Murphy & Company- Jack Henry Sample
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Disclaimer 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 Pilot Bank 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.
© 2016 Murphy & Company, Inc. Published by Murphy & Company, Inc. 13610 Barrett Office Drive, Suite 206 St. Louis, MO 63021 mcompany.com
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Welcome
Welcome to Murphy Bank’s Cash Management Services for individual and small business online banking. Whether at home or at the office, from a mobile phone, tablet or laptop, we strive to make your online banking experience easy and convenient. We invite you to take a moment to learn more about Murphy Bank’s Cash Management Services.
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Table of Contents
Getting Started Security.................................................................................................3 Login Process First Time Login.................................................................................6 Subsequent Logins.........................................................................11 Account Listing Account Listing................................................................................12 My View Configuration...................................................................................13 Account Activity Transactions......................................................................................15 Download Transactions................................................................16 Search Transactions.......................................................................17 Transfers.............................................................................................18 Stop Payments.................................................................................20 Statements........................................................................................22
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Getting Started
Security
Keeping your personal information safe and secure remains one of our top priorities. By following our tips, Murphy Bank’s Cash Management Services can be an efficient method for handling your online banking needs. For additional security tips, visit mcompany.com. User Identification and Password Security starts at your computer. To make your passwords hard to guess, avoid using your pet’s name, hometown or other personally identifiable choices and combine random numbers instead of using your birth date. Logging Off As a secure practice, you should log off of your online banking session before you close the browser window or anytime you walk away from your computer. Additionally, Murphy Bank will log you off automatically due to inactivity or when your Murph session reaches the maximum time limit. 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 and change them periodically. • Always log off of your online banking session when finished. • Do not leave your computer unattended while logged in to online banking. • Do not access online banking on public computers or unsecured Wifi networks. • If you receive an error while logged in to your account, call a customer service representative at at 636-394-2116.
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Getting Started
Security
Multi-Factor Authentication We use a variety of tools to protect your account against fraud, including security questions for logging in and secure tokens. Secure tokens are small electronic devices that provide an extra level of assurance to the user by requiring two- factor authentication. The owner of the device uses a PIN number which authorizes them as the owner; the device then displays a unique number, identifying the user to the device. ID numbers for each user are changed regularly for additional security. Phishing Phishing is an online scam tactic that lures users into providing personal data by posing as a legitimate, trustworthy company. By using realistic-looking websites and emails, phishers gain the trust of their victims for malicious purposes. Murphy Bank will never send unsolicited emails that ask you to provide, update or verify personal or confidential information. If you receive an alleged email inquiry from Murphy Bank, report the incident to a customer service representative. Malware Malware includes viruses and spyware designed to infiltrate or damage a computer system. This intrusive software can steal personal information to commit fraud. To safeguard against malware, do not open links or files from
unsolicited sources. 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. It is important to be aware of the dangers of identity theft so that you can take the steps to avoid becoming a victim.
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Getting Started
Security
Fraud Prevention Tips: • Avoid completing email forms or responding to messages that ask for personal information. • Do not open email attachments or links from unknown sources. • Do not trust emails asking you to use links for verification of login or account details. • Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers and expired cards before disposing of them. • Contact the sender by phone if you are suspicious of an email attachment. • Monitor your account transactions for unauthorized use. • Contact your financial institution immediately if you suspect your financial information has been compromised.
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Login Process
First Time Login
The company administrator will need to create a Single Sign-On ID and password using both the NetTeller ID (Company ID) and Cash User ID. This new Single Sign- On ID and password will replace your NetTeller ID and Cash User ID and will be required during each subsequent login.
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1. Enter your NetTeller ID in the login box and click Submit. 2. Enter your password which is the four-digit number provided by Murphy Bank. 3. Review the terms and conditions. Click the check box next to I agree, and then click Accept. 4. You must change your password by entering your current password and your new password in the designated boxes. 5. If you would like to change your NetTeller ID, do so in the provided box and click Continue . 10 11 12 13 14 15 16 17 18 19 20 1 2 3 4 5 6 7 8 9
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Login Process First Time Login
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6. Enter your Cash Management ID and password and click Login . 7. You must change your password by entering your current password and your new password in the designated boxes. Click Login . 8. Create a new Single Sign-On ID and password. This will replace your NetTeller ID and your Cash User ID. The new Single Sign-On ID and password is required for all future logins. 9. Indicate whether or not you have received your physical token.
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Login Process
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10. Enter the token serial number and six-digit token code, and then click Submit . 11. Select a watermark image that will appear during all future logins and on all pages within online banking.
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Login Process First Time Login
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12. For security reasons, you are required to select and answer three security questions. Click Continue . 13. Select three different questions from the drop-downs and input answers into the designated boxes. Click Submit . 14. Verify your questions and answers, then click either Edit or Confirm.
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Login Process First Time Login
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15. Enter a phone number for call back feature, and then click Next. 16. Review phone numbers, and then click either Edit or Confirm. 17. Enter or update the company email address on file and click Submit.
Note : This step is only for the company administrator with Full Admin rights.
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Login Process
Once an administrator enrolls as a new user and establishes the online banking profile, a new user can log in from our website. Each user will need the Single Sign-On ID and password created during first-time login. Subsequent Logins
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1. Enter the Single Sign-On ID in the NetTeller ID box and click Submit . 2. Enter the password, then click Submit . 3. Enter the six-digit Secure Credential Token Code from your Secure Credential. Click either Submit or Log Out .
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Account Listing
After logging in, the Online Banking Accounts page displays an overview of available balances in all your accounts. You can access this page at any time by clicking the Online Banking home tab in the top left corner of your screen. Account Listing
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1. Click on an account. 2. A transactions page appears for that account where you can view debits and credits as well as the current and available balance.
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My View
The My View page under the Online Banking home tab lets you create a customized dashboard by inserting specific widgets. A widget is a visual application that enables an activity and displays data. Although each widget is different and performs separate functions, the set up and configuration is the same. Configuration
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My View Configuration
1. .Click Configure This Page to customize your view. You can also set this page as your start page instead of the Accounts page by checking the box next to “ Set As Start Page .” 2. Choose a column to edit using the Select Column To Configure drop-down field. Widgets are pre-assigned to specific columns and cannot be moved to different columns. 3. Drag and drop widgets into the order you would like them to appear. You can add or remove widgets by clicking + or – on the right side of the bar. 4. When changes are made, click either Cancel or Save .
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Account Activity
Transactions
The Transactions page lets you view and manage your account activity in a comprehensive detailed list. There are multiple ways you can access this page including: • Clicking on the account name in the Account Listing page.
• Selecting the account in the My Accounts widget. • Clicking the arrow in the Recent Transactions widget. • Clicking Transactions in the Go To widget.
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1. Current Transactions appear in chronological order and include details and a running balance. 2. You can view transactions for different accounts by using the “View Transactions for” drop-down. 3. Your current balance appears on the right. This is the amount of money in your account at the beginning of a business day and does not include any pending deposits or withdrawals. 4. The available balance is located next to the current balance and shows your balance after all pending transactions. 5. You can view transaction history for different date ranges including last statement cycle, last seven days, last fifteen days, last thirty days or all. 6. Clicking on the print arrow will create a PDF document of your transactions.
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Account Activity
If you use a third-party software to manage your finances, you can download yourMurphy Bank account transactions into a different format. Download Transactions
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1. Use the drop-down to select the account you would like to download transactions from. 2. Select the date range for the download using the drop-down. 3. Using the drop-down, choose which format to download your transaction history to. 4. Click Download for further instructions on downloading or viewing your file.
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Account Activity
The Search Transactions Go To widget or individual search bars lets you easily find a transaction and its details by typing out identifying criteria into the appropriate boxes. Search Transactions
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10 11 12 13 14 15 16 17 18 19 20 1 2 3 4 5 6 7 8 9 1. Search for a certain transaction using the search feature to narrow down results. Use the drop-down to select an account to search within. 2. Use the calendar feature or manually enter the date range that the transaction occurred. 3. Enter a dollar amount you would like to search for. 4. Search by a specific check number. 5. Use the drop-down to select what type of transaction you are looking for, either debits, credits or debits and credits. 6. Select whether you would like checks or electronic transactions included in your search by checking the boxes next to “ Include Checks ” or “ Include Electronic Transfers .” 7. Click Search . 10 1 2 3 4 5 6 7 8 19 20 1 2 3 4 5 6 7 8 9
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Account Activity
Transfers
You can quickly transfer funds between your accounts or loans by clicking on the Transfers page under the Online Banking home tab. There are multiple ways you can access this page including:
• Selecting Transfers in the Online Banking home tab. • Click the Transfers widget for a one-time transfer. • Click New Transfer within the Go To widget.
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1. Select accounts to transfer funds from and to and enter an amount in the designated box. Use the frequency drop-down to select whether you would like this transfer to repeat one time, weekly, bi-weekly, semi-monthly or monthly. Use the calendar feature or manually enter the transfer date. You can also enter a memo for this transfer. 2. Click Submit .
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Account Activity
Transfer History Your transfer history is conveniently displayed in the Transfers page, where you can view and edit new and pending transfers. Transfers
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1. Click the Online Banking home page and select Transfers . 2. Choose either New, Pending or History to view your transfers.
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Account Activity
If a check or payment has not already processed, you can request a stop payment within the Pending Transfers page. Initiating a stop payment may accrue a fee; refer to the terms and conditions of your account for more information. Stop Payments
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1. Select New Stop Payment in the Pending Transfers page. 2. Enter information about the check including check date, starting check number and payee. 3. Click Submit or Cancel . 4. Review the request and click either Edit or Confirm. A confirmation screen will appear if the check has not already cleared.
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Account Activity
Stop Payments
View Existing Stop Payments You can view details of existing Stop Payments in the Issued Stop Payments tab. Stop Payments cannot be reversed or deleted in online banking.
Please note : Refer to the terms and conditions of the account for more information on any fees which may be associated with the stop payment feature.
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Account Activity
Murphy Bank’s Cash Management Services functions as a virtual filing system for your bank statements. You can find copies of your previous statements under the Account Listing page. Statements
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1. Using the drop-down, select an account to view a statement for. 2. Choose a statement to view and the format to view it in. 3. Your statement will display in a new page.
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