Valley Republic Bank Personal Online Banking & Bill Pay eGuide
Aquick and easy guide to Personal OnlineBankingandBill Pay
PublishedbyMurphy&Company, Inc. 13610Barrett OfficeDrive Suite 206 St. Louis,MO 63021 www.mcompany.com
© 2009-2013Murphy&Company, Inc.Microsoft,MicrosoftMoney,Windows and Internet Explorer are registered trademarks ofMicrosoft Corporation. Firefox is a registered trademark of theMozilla Foundation. Quicken is a registered trademark of Intuit, Inc.Macintosh is a registered trademark of AppleComputer, Inc. AdobeReader are registered trademarks of AdobeSystems Incorporated in theUnitedStates and/or other countries.© 2011-2012 Portions of this guidearewrittenbyQ2 eBanking. Disclaimer Concepts, strategies andprocedures outlined in this guidecananddochangeandmay not beapplicable to all readers. Thecontent in this guide is notwarranted tooffer aparticular result or benefit. Neither theauthor/ publisher, nor any other party associatedwith this product shall be liable for any damages arisingout of theuse of this guide, includingbut not limited to loss of profit, commercial, special, incidental or other damages. For completeproduct and service information, please refer to the terms, conditions anddisclosures for eachproduct and service.
Welcome
AQuick and EasyGuide to PersonalOnlineBanking
Welcome!Whether you’reat home, atworkor on the road,wearehere for you 24hoursaday, 7daysaweekwithourOnlineBanking&Bill Payment services. Thisguide isdesigned tohelp youanswer your questionsabout howPersonal OnlineBankingcanhelpmanage your financesonline. Inaddition toaccessing your account informationand transferring fundsonline, you’ll alsobeable to export account information tofinancialmanagement software, suchasQuicken ® orQuickBooks ® , andpay your billsonline. After becomingaPersonal Online Bankingcustomer, you’ll find youareable to reduce theamount of time spent managingyour finances. Welcome, andwehope youenjoy thisquickandconvenient guide toPersonal OnlineBanking.
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Table of Contents
General Information Security ........................................................................................................................3–4 GettingStarted& Logging In .........................................................................................5 Accounts Overview............................................................................................................................6 History ............................................................................................................................7 OnlineActivity ..............................................................................................................8–9 Statements......................................................................................................................10 Transactions Funds Transfer ...............................................................................................................11 RecurringTransfers .....................................................................................................12 Bill PayOverview.....................................................................................................13–14 Payees.. ...........................................................................................................................15 PayeeSetup....................................................................................................................16 Categories.......................................................................................................................17 ViewBill History ............................................................................................................18 MakeaPayment ...........................................................................................................19 SchedulePayments ......................................................................................................20 Bill History ......................................................................................................................21 Change&Cancel Payments .......................................................................................22 Services SecureMessage............................................................................................................23 AddressChange.............................................................................................................24 StopPayment .................................................................................................................25 Reorder Checks..............................................................................................................26 Preferences Account ..........................................................................................................................27 Alerts ...............................................................................................................................28 User .................................................................................................................................29 Mobile ............................................................................................................................30 Security ..........................................................................................................................33
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Security
OnlineBankingSafety 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 sessionwhen finished. > Do not leave your computer unattendedwhen logged intoOnline Banking. > Do not use public computers or unsecuredWiFi when accessing online banking. > If you receive an error when logged into your online banking account, report the error to customer service. By followingour tips, OnlineBankingcanbea safeandefficientmethod for handling your bankingneeds. User IdentificationandPassword Security starts at your computer. Never share your login IDor passwordwith anyone.Make sure your password is hard toguess by combining random numbers and letters insteadof using your birthdate, pet’s nameor other obvious clues. SecureSockets Layer Encryption (SSL) This technology scrambles dataas it travels between your computer and your bank, making it difficult for anyone toaccess your account information. SSL is a trustedmethodof securing internet transactions. Browser Registration Inaddition to your personal password security, wehaveaddedadditional securitymeasureswithBrowser Registration. Browser Registration strengthens the safeguards inplaceat loginby addingadditional steps to verify your identity. Although these security enhancements arebenefiting youand your security, youprobablywill not notice themduring your regular day-to-day experience.
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Security
FraudPreventionTips > 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. Your financial institutionwill never sendunsolicitedemails asking you to provide, updateor verify personal or confidential information via returnemail. If you receiveanemail inquiry allegedly from your financial institution, please report the incident toacustomer service representativeas quickly as possible. Tomitigate the risk of online fraudand identity theft, your first andbest protection is awareness. Phishing Phishing is anonline scam tactic that is used to lureusers intounknowingly providingpersonal data, suchas credit card informationor login IDs and passwords. Using spoof (look-a-like) emails andwebsites, the tacticattempts to gain the trust of unsuspecting targets andconvince them that vital information is being requestedby a vendor theymay already havea relationshipwith, suchas their bank. Identity Theft It is important that our customers areawareof thedangers of identity theft. Identity theft canoccurwhencriminals findaway to steal your personal or other identifying informationandassume theuseof that data toaccess your personal accounts, opennewaccounts, apply for credit in your name, purchase merchandiseandcommit other fraudor relatedcrimes using your identity.
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GettingStarted& Logging In
If this is your first time logging in, clickNewUser. Enter your Login ID, leave the “Password” fieldblank, check the “I ama First TimeUser” box andclick Login. Select onecontact from the list that youcan immediately access andour system will deliver youa temporarySecureAccessCodewithinminutes. Note: If all of thecontact informationwehaveon file is inaccurateor out-of- date, youcannot proceedany further. Pleasecontact us toprovideupdated information.
What is aSecureAccessCode?ASecureAccessCode is aone-timeusecode, that allows you to securely login toour OnlineBanking system. It is delivered to you viaemail, phonecall or SMS text. If youare logging in for the first time, youwill beprompted tocreateanewpassword. SecureAccessCodes arealso used if youdelete the security certificateor “cookie” thatwe’ve storedon your computer, or if you request login fromacomputer not setup for repeateduse. Choosing “activatemy computer for later use” authorizes us to storea security certificateon your computerwhichwill speedup the verificationprocess in the future, andeliminate theneed touseaSecureAccessCodeoneach login.
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Account Overview
Account Overviewwill provide youwithaquick viewof your accounts and balances. Here youcanmakeaquick transfer betweenaccounts, viewpending transactions andevencheck your securemessages.
1 | Clickanyof themenu items toexpandor collapseeachdrop-down item.
2 | If youhaveanyunreadSecureMessages, itwill be indicatedhere.
3 | Hover over theQuickAction Icon next to your account to viewa varietyof standardoptions.
ViewHistory: Aquick link to thehistoryof that account. AccountDetails: View thedetailsof that account. Pending Items: Displays transactions that arecurrentlypending for thisaccount. Transfer From: Aquick transfer from that account. Transfer To: Aquick transfer to that account. Print: Print the transactionhistoryof that account. 4 | If anyof your account namesare shown in redwithanasterisk, there isat least onepending transaction in that account.
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Account History
OnlineBankingallows you toconveniently access ahistory of your account transactions, always keeping you in the knowwith your account balances. To begin, double-click theaccount name youwish to view from theAccount Overviewpage. Youmay also select ViewHistory from theQuickAction Icon. Quickly switchbetweenaccounts by selectinganaccount from theAccount drop-downmenuandclickSubmit.
1 | Quicklyexpandor collapse thePendingorPosted sectionsbyclickingon the Plus/Minus button. 2 | Change theway you view yourAccountHistory from theoptionsavailable in theSearch drop-downmenu. Youmayalso search for transactionsbychecknumber, date, amount or evendescription!
3 | Viewcheck imagesbyclickingon the MagnifyingGlass Icon .
4 |Want toexport yourAccountHistory?Click theDisplaydrop-downmenuandselect Export . Then select your export format (spreadsheet, Quicken ® , Quickbooks ® , etc.) and click Submit . Prefer toprint?Simplyclick theprinter icon!
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OnlineActivity
OnlineActivity quickly organizes all transactions youoriginatedonline. This includes account transfers, wire transfers, ACHpayments andmore. From the OnlineActivitymenu, youcangroup items by category, viewall transactions, approvedrafted transactions andcancel authorizedor drafted transactions. Pleasenote that oncea transaction is processed, it can’t becancelled.
1 | Hover over the QuickAction Icon to viewadrop-downmenuwithmoreoptions.
2 | Clickingon ViewTransaction will allowyou to seemoredetails regarding the transactionalongwithproviding you theability toeither approve, cancel, copyor print.
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OnlineActivity
Your OnlineActivity transaction statusmay vary from item to item. Tohelp you better understandwhat eachof theOnlineTransactionStatus termsmean, we’ve includedahelpful guide touseas yougrowaccustomed to the feature .
Active: Any transactiongeneratedonline that has been initiatedwithin the lastweek or is ina status that still allows action tobe taken. Drafted: Any transaction that has beenput inapending (Drafted) stateby theuser andcan still beeither approvedor cancelled. Authorized: Whena transaction, suchas funds transfer, has beenapproved by auserwithapproval rights, the transactiondisplays in the Authorizedcategory inOnlineActivity. Authorized indicates that youare ready for your financial institution toprocess the transaction. Cancelled: Whena transaction, suchas funds transfer, has beencancelledby auser from theTransactionDetails page, the transactiondisplays in thecancelledcategory inOnlineActivity. Processed: Whena transaction, suchas funds transfer, has beenapproved by auserwithapproval rights and then later processedby your financial institution, the transactiondisplays in theProcessed category inOnlineActivity. Other: Any transaction thatmight havebeenunsuccessful, or does not fall under theprevious categories.
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Statements
TheeStatements feature is agreat virtual filing system, savingpaper and space in your homeor officeby allowing you to viewand save your statements electronically. Toenroll in theeStatement feature, click onStatements and complete the registrationdocument.Within 24 hours, youwill beapproved for theeStatement feature.
Beginbychoosing Statements from theAccountsmenu.
1 | Select theaccount you’d like to viewandclick Submit. Youcaneven saveandprint your statement!
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FundsTransfer
OnlineBankingenables you to transfer funds betweenaccounts quickly andeasily.
1 | Start by selecting the From and To Accounts. Enter your desired TransferDate , or use thehandycalendar feature.Next, enter the Amount you’d like to transfer. If you’d like, enter a Description of the transfer for future reference.
2 | Click Submit toprocess your Transfer.Next clickon Approve in the submit transaction screen.
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RecurringTransfers
Do youwish youcould remember to transfermoney to your savings account eachmonth?Are you in thehabit of transferringmoney to your checking accountwhen you sit down topay your bills?Recurring transfersmake life easy by automating this task onadate that you specify.
1 | Begin just as youwouldwithaOne-TimeTransfer, and select FundsTransfer from the Transactionsmenu. 2 | Click thebox in the top right corner of theEnter Transfer Frequencybox.Next, select thedetails for your recurring transfer, including Frequency and StartDate .
3 | Click Submit toprocess yourRecurringTransfer.
4 | TomanageyourRecurringTransfers, just click Recurring in theTransactions menu. A newwindowwill open confirming the details of your Recurring Transfer transaction. You can either click Approve or Cancel .
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Bill PayOverview
WithOnlineBill Pay, it’s safe, fast andeasy tomanage your finances on your own terms. Toenroll, clickBill Payment under theTransactionsmenu, complete theenrollment formandmail or deliver to your financial institution. Now you candoeverything youneed to fromhome, work or anywhere youhave internet access. Plus, you’renot limited tobusiness hours—OnlineBill Pay is open 24 hours aday, 7 days aweek! WithOnlineBill Pay, YouCan: > Receive, view, manage and pay bills all on one convenient website. > Set up alerts for electronic bill arrivals. > Schedule automatic payment rules for each biller. > Review bill history and, for some payees, payment posting information. > Usemultiple funding accounts to pay bills.
1 | Payees:
Roll over thismenuoption toaddor viewapayee(s).
2 | Payments:
Scheduleaone-timepayment or schedulemultiplepayments for the selectedpayee(s).
3 | Transfers:
Quickly and safelymove funds betweenaccounts.
4 | Options:
Update informationandpersonal settings.
5 | Calendar:
Set up important dates and reminders.
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Bill PayOverview
What ismore reassuring thanbeing incontrol of your finances?Staying in control of your bills!WithBill Pay, youhave theability to stay on topof your monthly financeswithutmost easeand turnkey efficiency. Free yourself from thehassleofwritingchecks and theclutter that comeswith traditional ways of payingbills. OnlineBill Paymakes aquick andeasy alternative topaying your bills online.
ClickBill Payment under the Transactionsmenu to beginmanaging your bills online. You’ll then be directed to a payment centerwhere youwill be able to view newmessages and alerts, aswell as previous activity and scheduled transactions.
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Payees
The person or company towhom you are sending funds is known as the payee. A payee can be almost any company or person youwould send a check, like an auto finance company, a cable TV provider or even a lawn care service.With a variety of payees that onemay need to keep track of, we pride ourselves in keeping them organized for you to ensure an effortless experience!
In thePayeesmenu, select ViewPayees .
1 | Payees are listed by name and account number.
2 | Click Edit to update payee information. Click Pay tomake a payment to this payee or Delete to remove this payee from your account
Note: This system should not be used to pay alimony or court ordered payments.
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PayeeSetup
The first step in the bill pay process is to add one ormore payee(s) by entering information in the provided fields. A recent bill or statement should have all the necessary details.Manymajor payees are set up in a predetermined list of payeeswithin the system, so that youmay use the search option.When a search is initiated, just a few pieces of information will be needed to finish. Once a payee is set up, you can begin processing payments and ultimately access billing and history details for the specified payee.
In thePayeesmenu, select Add aPayee .
1 | Determine the type of payee to be added.
2 | Select whether the payee is aCompany, Individual, Bank or Credit Union.
3 | Enter the required information in the provided fields. Click Next to proceed.
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Categories
Assign and organize your payees into specific groups to ensure increased conveniencewhen paying your bills.
In thePayeesmenu, select Categories .
1 | To initiate a new group of payees, click Add aCategory . Youwill then be directed to awindow that will ask you to choose a name for theCategory, aswell aswhich payees to includewithin. 2 | If youwish to view a list of payees that has been already formulated, simply click next to the assignedCategory title. 3 | Use these links if youwish to either change the name of theCategory or Delete it all together.
4 | Using the drop-downmenu, youmay assign a payee to a new existingCategory.
5 | Click Submit Changes to save any changesmade.
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ViewBill History
View and print bill history and details by entering the appropriate search criteria.
In thePaymentsmenu, select Payment History .
1 | Narrow down your search using the provided drop-downmenus and options.
2 | To print the search results for your records, click here.
3 | Click NewSearch to view additonal payment history.
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Make a Payment
It may be convenient to set up a payee to receive payments on a regular basis, such as a loan.Whymust you pay by repeating the same scheduling process eachmonth?With our quick payment option, you can remain confident that your bills can be paid in no time!
In thePaymentsmenu, select SinglePayment . If you desire to set up automatic payments, choose RecurringPayment . Youwill then be directed to enter the payment information, alongwith the payment frequency.
1 | Select the type of payment to bemade.
2 | Choose the payee.
3 | From the drop-downmenu, choose the account fromwhich the payment will be made. Next, enter the Amount and ProcessDate . Youmay use the calendar feature for added ease.
4 | Click Next to proceed.
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ScheduledPayments
Our scheduled payment feature keeps you ahead of your tasks and organizedwith only a few quick and easy steps!
In thePaymentsmenu, select ScheduledPayments .
1 | Payees are listed by name and account number according to the details chosen using the drop-downmenus.
2 | To print the search results for your records, click here.
3 | Click Edit to revise the payment information. Click Stop to cancel.
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Bill History
You now have the power to control your present and future payments! View details, edit or cancel your pending payments to better customize your bill pay experience. Youmay also specify the amount of time prior to the present date to view your account activity.
In thePaymentsmenu, select ScheduledPayments .
1 | Payees are listed by name and account number according to the details chosen using the drop-downmenus.
2 | Click Edit to revise the payment information. Click Stop to cancel.
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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 begins processing. This convenient feature gives you the freedom to change theway youmake your payments.
1 | Once you have selected to edit a payment, youwill be directed to awindow from which you can revise the information. Click Submit Changes to proceed. 2 | If you choose to cancel a payment, youwill be directed to review the payment information. Click StopPayment to complete the process.
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SecureMessage
TheSecureMessage feature is a notification servicewhere youwill find Alerts andNotifications regarding your account.Whether it is amessage for a password change or security alert, this is the location to stay up-to-date with your account and our services!
Begin by selecting Messages from theServicesmenu.
1 | Click on the Message youwould like to read.
2 | Yourmessagewill open in a newwindow. Here you can Reply, Delete, Save& Print yourmessages.
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AddressChange
Maintaining current information on your account is very important to us. It allows us to get in touchwith you themoment we notice any suspicious activity, keep you up-to-datewith any account changes and simply guarantee that yourmonthly statement is being delivered to the correct address. Now keeping your personal information current is easier than ever!
To get started, select Address Change from theServicesmenu.
1 | Enter your information in the provided fields.
2 | Select the accounts youwould like to update.
3 | Be sure to double check your informationwas entered correctly, then click Submit .
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StopPayments
Placing aStopPayment for individual ormultiple checks is an option with your financial institution. If you notice you aremissing checks, please contact us as quickly as possible so that we can take the proper precautions tomaintain the highest level of security against identity theft and fraud.
Begin by choosing StopPayment from the Servicesmenu.
1 | Choose theAccount forwhich theStopPayment should bemade.
2 | Enter all pertinent data relating to the check or range of checks.
3 | When you are finished, click Submit . A newwindowwill open confirming the details of your StopPayment transaction. You can either click Approve or Cancel . We recommend printing a copy of the confirmationwindow for your records.
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Reorder Checks
Before youwrite your last check, save yourself a trip to the branch by placing your check order request online.
Click the CheckReorder link to begin.
1 | From the Account drop-downmenu, choosewhich account youwould like to reorder checks.
2 |When you have chosen the desired account to order new checks, click Submit .
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Account Preferences
TheAccount Preferences feature allows you to change theway your accounts are displayedwithinOnlineBanking. Here you can create “nicknames” for your accounts, like “Payroll Account” or “John’s Checking Account”.
Begin by choosing Account from thePreferencesmenu. 1 | The Order feature allows you to prioritize the order inwhich you see your accounts. All accounts are grouped by account type, such as checking, savings, etc., however, youwill see this change reflected in your Account Overview page.
2 | Enter any “nicknames” or DisplayNames for your accounts.
3 | Choose how you’d prefer to view your account by choosing either history items or days and the amount of either.
4 | Click Submit when you are finished.
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Alert Preferences
Alert Preferences allow you to be in-the-knowwith your account balances, transactions and a variety of other alerts. You can even be alertedwhen a transaction takes place at a specified retailer. Depending on your preference, wewill send you an email, a text message, phone call or a securemessagewhen the alerts you choose are triggered.
Begin by choosing Alerts from thePreferencesmenu.
1 | Click the AddAlert drop-downmenu, then choose NewAccount Alert .
2 | Chose from the provided options and enter any information required.
3 |When finished, click OK .
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User Preferences
TheUser Preferences feature allows you to update your online user profile. Where theAddress Change featurewill change your contact information at the account level, thiswill only update your informationwithin your online user profile.
Begin by choosing User from thePreferencesmenu.
1 | Enter your information in the fields provided. Fieldsmarkedwith an asterisk are required.
2 |When finished, click Submit .
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MobileEnrollment
Wegowhere yougo.WithMobileBanking fromRocklandTrust, youcan access your accounts in justmoments. Anyweb-enableddevicewith internet accesswill do. So insteadof spendingprecious time running to thenearest computer or preferredbranch, wegive you thecontrol tomanage your finances on your own terms. TheMobileEnrollment featureallows you to sync yourmobiledevice to your bank account, for quick anduser-friendly access to your account(s).Mobile Enrollment is your first step toMobileBanking.
To begin choose the Mobile tab in thePreferencesmenu. 1 | Check Yes, enablemyUser ID andPassword for usewithmymobile device. 2 | Formobileweb users only, enter your email address, then click Send . 3 |When finished, click Submit . 4 | Activate yourmobile device on the next page.
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MobileAuthorizations
MobileActivation isanextra securitymeasure toensurenobodybut you is accessingyour account.
To begin choose the Mobile tab in thePreferencesmenu. 1 | Next, click on the MobileAuthorization tab and enter any 4 digit code. Youwill need this code tomake transfers and approve transactions using your mobile device. 2 | If youwould like to confirm transactions via email ormobile phone, please list the phone number or email account here. 3 | In thiswindow, select the feature youwould like to enable formobile confirmation. 4 | Click Submit when finished.
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Text Banking
Thefinal step in settingup yourMobileBankingaccess is tocomplete theText Bankingoptionswhichwill accessour text services.
To begin choose the Text Banking tab in thePreferencesmenu. 1 | Choose Enable to allow Text Banking on yourmobile device. 2 | Enter your SMS Text Number (if you are using a cell phone, thiswill be your phone number) and choose Agree to Terms . 3 |When finished, click Submit .
Text CommandOptions To ##### For The Following Information:
BAL or BAL
Transfer funds between accounts
LIST HELP
Receive a list of keywords
Receive a list of contact points for information on text banking
STOP
Stop all text messages to themobile device (for text banking andSMS alerts/notifications)
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SecurityPreferences
To access theSecurity FeatureswithinOnlineBanking, choose Security under thePreferencesmenu. Thiswill allow you to change your password, enter a phishing phrase that will verify you’re on our site, set up security alerts and add your secure delivery contact options. Setting up security alerts is an excellent way to prevent fraud and keep informed of changes to your account and online profile.
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