TDECU Online/Mobile Banking and Bill Pay Guide

Published by Murphy & Company, Inc. 13610 Barrett Office Dr. St. Louis, MO 63021 www.mcompany.com

© 2009-2015 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries. © 2015 Portions of this guide are written by Q2 eBanking. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author/ publisher, nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

Welcome

We work hard to provide our members with the financial tools they need to achieve the goals in life that matter. Online Banking is an important one of those tools. Our Online Banking system is designed for ease of use. Whether you access it from your desktop, tablet, or smartphone, it looks and functions the same across all devices. And it’s full of powerful features that make it easy to keep track of your finances.

We invite you to take a moment to learn more about the “anytime, anywhere” convenience of Online Banking at TDECU.

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Table of Contents

General Information Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 For New Online Banking Users . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Logging In . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Messages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Bill Pay Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Paying a Bill . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 Confirmation Message . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Pending/Processed Payment History . . . . . . . . . . . . . . . . . . . . . . .12 Pending/Processed/Canceled Details . . . . . . . . . . . . . . . . . . . . . . .13 List View of Overview Screen . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Grid View of Overview Screen . . . . . . . . . . . . . . . . . . . . . . . . . . 15 Advanced Drop-Down Menu . . . . . . . . . . . . . . . . . . . . . . . . . . .16 Advanced Bill Pay Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Payees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 E-bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Schedule Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 Automatic Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21 Change and Cancel Payments . . . . . . . . . . . . . . . . . . . . . . . . . . 22 View Bill History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 Transactions Funds Transfer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24 Member to Member Transfer . . . . . . . . . . . . . . . . . . . . . . . . . . .25 Activity Center . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26 Locations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 Services Stop Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .28 GoToMyCard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Mobile Deposit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 Settings Profile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33 Account Preferences . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .34 Security Preferences . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35 Alerts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36

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General Information – Security

By following our tips, Online Banking can be a safe, secure and efficient method for handling your banking needs.

User Identification and Password Security starts at your computer. Never share your login ID or password with anyone. Make sure your password is hard to guess by combining random numbers and letters instead of using your birth date, pet’s name or other obvious choices. Secure Sockets Layer Encryption (SSL) We use Secure Sockets Layer (SSL) encryption, a trusted method of securing internet transactions. This technology scrambles data as it travels between your computer and TDECU, making it difficult for anyone to access your account information. Browser Registration In addition to your personal password security, we have added another layer of security called browser registration that runs in the background and helps verify your identity at login.

Online Banking Safety Tips

> Ensure your web browser, operating system, anti-virus software and other applications are current and support 128-bit encryption. > Memorize your passwords. > Exit your Online Banking session when finished. > Do not leave your computer unattended when logged into Online Banking. > Do not use public computers or unsecured WiFi when accessing Online Banking. > If you receive an error when logged into your Online Banking account, report the error to a member service representative.

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General Information – Security

TDECU will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an email inquiry allegedly from TDECU, please report the incident to a member service representative as quickly as possible. To mitigate the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phishing is an online scam tactic that is used to lure users into unknowingly providing personal data, such as credit card information or login IDs and passwords. Using realistic-looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convince them that vital information is being requested by a vendor they may already have a relationship with, such as TDECU. Identity Theft It is important that you are aware of the dangers of identity theft. Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your personal accounts, open new accounts, apply for credit, purchase merchandise, and commit other crimes using your identity.

Fraud Prevention Tips

> Do not open email attachments or click on a link from unsolicited sources. > Avoid completing email forms or messages that ask for personal or financial information. > Do not trust an email asking you to use a link for verification of login or account details. > Monitor your account transactions for unauthorized use. > Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers and expired charge cards before disposing of them. > Contact the sender by phone if you are suspicious of an email attachment.

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General Information – For New Online Banking Users

1. To enroll, click on the Enroll in Online Banking link from our home page at www.tdecu.org. 2. Complete all fields contained in the enrollment form. Click Submit Enrollment . Our system will then create and display a login ID and temporary password for you. 3. Return to our home page and enter the login ID and temporary password in the spaces provided. Then, click Login . 4. Next, indicate how you want your Secure Access Code delivered by clicking the phone number or email address’ corresponding button. 5. When you receive your Secure Access Code, enter it in the access code screen and click Submit. If the access code expires, you must request a new one. If you close the login screen and then receive the code, follow the above steps again and select I have a Secure Access Code . 6. You will be asked if you would like to register your device. If you register

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your device, you will not have to generate a new Secure Access Code when you use that device in the future.

7. You will then be asked to read our Online Access Agreement. Please read carefully. Click I Accept if you agree to our terms. 8. You will next be presented with the information that will be associated to your online profile. Verify the information is correct and fill in all required fields (fields marked with an asterisk). 9. You will then be asked to create a new password that only you will know. Enter and confirm the new password and you will then be logged into Online Banking.

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General Information – Logging In

Once you have enrolled as a New User, and logged into Online Banking at least once, follow these steps for subsequent logins.

1. From the website’s Online Banking login box, enter your Login ID and Password . 2. Click Login .

We use a second out-of-band authentication step to protect your login. We do this by delivering a Secure Access Code via email or phone call to a number you have registered with us. If you select to register the device you are logging in from, your future logins from this device will not require you to receive another Secure Access Code, because you have already proved you are the account holder using this device. If you delete the security certificate or “cookie” that registers your computer for later use, or if you log in from a new computer, you will need another Secure Access Code. What is a Secure Access Code? If this device is “private”, you may want to register to have it recognized for future logins to save time. We do not recommend registering a public device. Should I register my device?

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General Information – Home

The Home screen will give you an overview of all of your Online Banking accounts displayed in a comprehensive list with available balances. View account details by clicking an account name. Below the list of accounts, you will see the account summary pie chart. This chart displays the total of all deposit accounts, and allows you to view both current balance and available balance.

1. For account transaction history, click the account name to view the Account Details screen. View details or a check image by clicking “ + ” next to the transaction. Select Show Filters for search options.

2. Need an action done in a hurry? On the home page you will notice options on the upper-right corner of the page. These Quick Action options allow you to swiftly transfer money and access bill pay.

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General Information – Messages

Our message center allows you to communicate securely with TDECU. Messages can be saved by conversation for easy reference. Check here for your enrolled security and account alerts. We will reply to your inquiries and to other credit union communications.

To View Your Messages:

1. Messages are displayed on the left side of the screen. 2. You can delete or reply to a message in the upper right corner of the original message, or send a new message by selecting New Conversation . 3. You can also delete multiple messages by placing a check mark in the box for each message you wish to get rid of, and selecting Delete . Click on the Messages tab.

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Bill Pay – Overview

The Bill Pay overview screen lists your payees, as well as pending and processed bill payment history. This is the first screen that will display once a user finished enrolling in Bill Pay.

To enroll in Bill Pay, select Bill Payment from the Transactions menu. If the system recognizes you are not enrolled, you will be taken to an enrollment form and then to this Overview Screen once enrollment is complete.

Click on the Bill Payment tab.

1. To search for a specific payee, simply enter the name of the payee in the Search bar at the top of the page. To view a payee or begin making a payment, simply click on a payee panel. 2. You can view your pending or processed payments in the panel on the right side of the screen. 3. For additional bill pay functionality, such as adding a payee, setting up a recurring payment, and other things, click on the Advanced drop-down menu and select Visit Bill Pay Site .

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Bill Pay – Paying a Bill

Once you select a payee from the overview screen, complete the necessary fields to schedule a new bill payment. The pending and processed payment history information for the chosen payee will display on the right-side of the screen. Each field builds upon the previous one, so the fields must be completed in the order in which they appear on the screen. For example, you cannot select the date you want to make the payment first. You have to start with the From account and then move your way down.

1. To begin making a payment, choose the account from which the funds will be debited. 2. Next, enter the amount of the payment, the delivery method and the date. When finished, click Send Payment .

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Bill Pay – Confirmation Message

After successfully completing a payment, a confirmation screen will be presented.

1. Review confirmed payment information for accuracy. 2. Simply click Close to leave this screen.

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Bill Pay – Pending/Processed Payment History

Pending/Processed payment information for a payee can be found on right-side of the screen.

Quickly view information between Pending and Processed payment information by using the easy-to-use toggle bar.

1. Enter keywords in the provided field to search for specific payment information. 2. Utilize the toggle bar to quickly switch between Pending and Processed payment information. 3. Click an entry to review important payment information.

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Bill Pay – Pending/Processed/Canceled Details

To view details of a payment previously processed or canceled or to terminate a pending payment, simply select the appropriate entry from the payment panel located at the right-hand side of the payment screen.

The option to Cancel a payment displayed in the example below is available since the payment has not yet been made.

1. Review confirmed payment information for accuracy. 2. Simply click Cancel Payment to terminate a pending payment.

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Bill Pay – List View of Overview Screen

Customize your Bill Pay viewing experience by switching bewteen a List or a Grid view. The List view eliminates the large payee panels on the overview screen and maintains an organized format.

1. Utilize the toggle bar on the right-side of the screen to click List and begin viewing payee information in a list format as shown.

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Bill Pay – Grid View of Overview Screen

Customize your Bill Pay viewing experience by switching bewteen a List or a Grid view. The Grid view displays information providing a more visual format using panels for each payee.

1. Utilize the toggle bar on the right-side of the screen to click Grid and begin viewing payee information in a grid format as shown. 2. To quickly view payment history, simply click See payment history to flip the panel to display information in a graph format for an easy review.

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Bill Pay – Advanced Drop-Down Menu

The Advanced menu option is located at the top of the main Bill Pay page to redirect you to our full bill pay site or to manage your payment accounts.

1. Click Advanced to display additional menu options. To visit our full bill pay site, click Visit Bill Pay Site . To review or edit your funding accounts, click Manage Payment Accounts .

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Advanced Bill Pay – Overview

What is more reassuring than being in control of your finances? Staying in control of your bills! With Bill Pay, you have the ability to stay on top of your monthly finances with utmost ease and turnkey efficiency. Free yourself from the hassle of writing checks and the clutter that comes with traditional ways of paying bills.

The Payment Center is a guide to your payees, bills due, as well as editing or deleting scheduled payments. Also featured are icons in the Features column which will assist you and are defined below:

Recurring payment A recurring payment has been set up in Manage My Bills. E-bill enrolled Enrolled to receive E-bill for this payee. Enroll payee(s) to E-bills Receive billing information straight to your Online Account. E-bill payment due An E-bill has been posted to your account, ready for payment.

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Advanced Bill Pay – Payees

The person or company to whom you are sending funds is known as the payee. A payee can be almost any company or person you would send a check, like an auto finance company, a cable TV provider or even a lawn care service. With a variety of payees that one may need to keep track of, we pride ourselves in keeping them organized for you to ensure an effortless experience!

Click the Payment Center tab to begin. 1. You will see the payees are listed by name and account number. By clicking on a Payee , detailed information about the payee will be displayed, including address, telephone number and even recent payments completed.

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Advanced Bill Pay – E-bills

E-bills are a fast and convenient way to receive your bills each month. If your payee offers an electronic version of your bill, the E-bill icon will be located next to their name within the Payment Center. After activating a payee with E-bills, you will start receiving your bill directly within your Online Bill Pay account. No need to shuffle through payee information or access each individual payee’s website to pay your bills — you can get it all right here and never miss a payment!

As mentioned before, in the Payment Center , payees may be accompanied by an icon in the Features column indicating the option to receive E-bills. Set up E-bills for an existing payee by clicking on the icon illustration shown:

1. After selecting to sign up an existing payee for E-bills, fill in the required fields. When completed, click Submit .

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Advanced Bill Pay – Schedule Payments

No check, no pen, no problem! Our payment scheduling feature is the only thing you need to accomplish your bill pay needs–and with only a few quick and easy steps! Hassle-free bill pay is just a couple mouse clicks away!

In the Payment Center , notice the payees are listed by name and account number. 1. To schedule your payment, enter the Amount in the required field. Next, enter the Payment Due Date . You may even use the calendar feature for your convenience. 2. Click Make Payments when finished.

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Advanced Bill Pay – Automatic Payments

It may be convenient to set up a payee to receive payments on a regular basis, such as a loan. Why must you pay by repeating the same scheduling process each month? With our Automatic Payment option, you can remain confident that your payments are taken care of automatically without even touching your keyboard!

In Manage My Bills , select the payee for which you would like to set up automatic payments. Select Add an Automatic Payment . 1. Fill in the required fields to complete your request for a automatic payment, including process date and frequency. When completed, click Set Up Payment .

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Advanced Bill Pay – Change & Cancel Payments

Even after you have scheduled a payment, you have the ability to change or cancel your payment up to the time it is begins processing. This convenient feature gives you the freedom to change the way you make your payments.

To access this feature, look for the Pending Payments box in the Payment Center. 1. Click Change to edit your payment in a secondary screen. You may change the Pay From Account, Pay Date or Pay Amount. 2. Click Cancel if you do not wish to process the payment.

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Advanced Bill Pay – View Bill History

You have the luxury of viewing your bill history directly from your Online Banking Account. What’s even better? You may also print the information for future reference so you are always a step ahead!

To access this feature, select Bill History from the Payment Center menu. 1. In the pop-up window, review the pay date, amount, confirmation number and status. Once you have reviewed the details, click Finished . 2. Click Print to provide copies of history information for your records.

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Transactions – Funds Transfer

Online Banking enables you to transfer funds between your accounts quickly and easily. You can create on-time or recurring funds transfers, however you cannot exceed more than six funds transfers per account per statement cycle.

To Transfer Funds:

Click on the Funds Transfer tab.

1. Select the accounts you wish to transfer funds From and To using the drop-down menus. 2. Enter the dollar amount to be transferred. To create a recurring transfer, place a checkmark in the box labeled Make this a recurring transaction and complete the fields that display. 3. Enter a date for the funds transfer to occur. 4. Click Transfer Funds .

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Transactions – Member to Member Transfer

With our Member-to-Member Transfer feature, you can choose to make a single transfer to another member or link another member’s account (for deposit purposes only). If you plan to make more than one transfer to the other member, or if you need to create a recurring or future-dated transfer, linking the account is required.

Member-to-Member Transfers require you to share your account number with the other member involved.

1. Choose Make a

single transfer to another member if you are planning on this being your only transfer to this member. Choose Link the other member’s account to your login for later use if you plan to make other transfers to this member in the future. screen will appear asking for more information for your transfer. To initiate a transfer, you will need the account number, the account suffix (confirm with the other member what to use for the suffix), the account type and the first three letters of the last name (example; “SMI” “Jr”, or “LLC”).

2. Based on your selection a new

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Transactions – Activity Center

The Activity Center shows only your Online Banking transaction activity. Depending on the type of account and access, you can review and cancel unprocessed transactions, inquire about a transaction or copy a transaction. Whether individual or recurring transactions, view debits/credits and the status, type, amount, account and date of your online activity.

Click on the Activity Center tab.

1. You can choose to view Individual Transactions or Recurring Transactions by clicking on the corresponding tab. Click the “ + ” next to the transaction to view details.

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Locations

Mapping from your current location, you can click on the Locations or ATMs button to locate your credit union Member Centers and fee-free ATMs. As an alternative, you can use the Search field to find locations by entering a zip code or city and state.

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Services – Stop Check Payment

With Online Banking, you can initiate a stop check payment request from any device. Visit Activity Center to review the status of your request. The stop payment will remain in effect for six months on checks and one year for ACH items. See our Fee Schedule for applicable fees.

To Initiate a Stop Payment Request :

Click on the Stop Payment tab.

1. Select request type; single or multiple checks . 2. Next, select an account. Then, follow each required step and enter a check number, assign a payee and enter the check amount. 3. Enter the date of the check. 4. Click Send Request .

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Services – GoToMyCard

Our GoToMyCard feature is available if you have TDECU credit cards, which allows you to manage your TDECU credit card account.

The Account Summary page allows you to choose an account to view: the current balance, recent activity, payment information, credit information and more. You can even make a payment on this page. transaction details. Here you can view your processed and pending transactions. On the Payments page you can pay your bills online, set up automatic payments, pay your bills online and view your payment history. The payments page makes making your bills fast and easy. The Activity and Statements page displays your

View additional conveniences such as account alerts, E-Statements and more by choosing the Products and Services page.

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Services – Rates

To view our current rates for checking, savings, and certificate accounts, simply click on the Rates tab under Services in the main navigation menu.

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Services – Mobile Deposit Enrollment

1. Login to the app and select the menu. 2. Navigate down to Settings on your menu options and expand. 3. Select Mobile Deposit Enrollment . 4. Scroll to the bottom of the enrollment page. To accept the Terms and Conditions, place a checkmark in the box next to the “ I accept.. ” statement and then click Accept . 5. Once you accept the Terms and Conditions you will receive a confirmation of your enrollment. Once your information has been reviewed by the credit union you will receive a secure message indicating that the mobile banking service is turned on. You can now log into the app and find mobile deposit under Transactions .

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Services – Remote Check Deposit

With our Mobile App on your Android or iOS device, you can deposit checks into your Online Banking account by simply snapping a photo of a paper check.

This feature is only available when using our mobile app on your mobile device.

1. Choose Menu , Transactions , then click Deposit a Check . Next, choose the deposit account. Then, enter the check number and amount. 2. Click Capture Image . 3. Next, capture an image of the front and back of the check. Verify that both images show all four corners of the check and are legible. Make sure the endorsement on the back of the check is on the left side of the image. Depending on the side of the check being photographed, click either the Capture Front or Capture Back button. Once both sides of the check have been captured successfully, click Submit Deposit .

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Settings – Profile

If you have a new address, phone number, email or even a new surname, updating your profile is an essential step in order for us to keep up with the changes in your life!

This profile update is for your online-only profile. It does not update your mailing address, etc., that is on file at TDECU. You must contact Member Care to update that information.

1. To update your profile, enter the correct information in the spaces provided. Click Submit Profile .

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Settings – Account Preferences

In Account Preferences, you can select name and viewing preferences for your Online Banking accounts. Customize your account display name and choose the order preference for viewing.

Click on the Account Preferences under the Settings menu.

1. To update your preferences, enter the correct information in the spaces provided. Click Submit .

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Settings – Security Preferences

In Security Preferences, you can change your password and update delivery contact options.

To Set Up or Change Your Security Preferences:

Click on the Security Preferences tab.

Change Password: When changing your

password, make sure you follow the guidelines for creating a strong valid password.

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Settings – Alerts

You can create and manage alerts to remind you of important dates, warn you about the status of your accounts, and when certain transactions occur. When you create an alert, you specify the conditions that trigger the alert and delivery options to receive that alert. All alerts will automatically be sent to your Online Banking account via Secure Messages, regardless of the additional delivery preferences you have established. You can edit specific Account, History, Date and Transaction alert preferences found in Alerts under the Settings menu. Delivery preferences include:

• • •

Secure Message within Online Banking Phone call to a phone number you specify

Email to an address you specify

Setting up Security Alerts is a great way to monitor the security of your Online Banking account.

To Set Up Alerts:

Click on the Alerts tab.

1. To create an alert, click the New Alert menu. 2. To view details of an already existing alert, choose the Click to show details link on the right of the alert.

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Notes

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