Sturdy Savings Bank Personal Online & Mobile Banking eGuide

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

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We work hard to provide our customers 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 our financial institution.

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General Information Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Enrollment & Logging In . . . . . . . . . . . . . . . . . . . . . . . . . 5 Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Bill Pay Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Mobile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Advanced Bill Pay – Navigation . . . . . . . . . . . . . . . . . . . . . 11 Advanced Bill Pay – Scheduled Payments . . . . . . . . . . . . . . . . 12 Advanced Bill Pay – Automatic Payments . . . . . . . . . . . . . . . . 13 Advanced Bill Pay – Change or Cancel Payments . . . . . . . . . . . . . 14 Advanced Bill Pay – View Bill History . . . . . . . . . . . . . . . . . . . 15 Transactions Funds Transfer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Activity Center . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Person to Person Transfer . . . . . . . . . . . . . . . . . . . . . . . . 18 Stop Check Payment . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Add External Account . . . . . . . . . . . . . . . . . . . . . . . . . . 20 Verify External Account . . . . . . . . . . . . . . . . . . . . . . . . . 21 Mobile Mobile Deposit Enrollment . . . . . . . . . . . . . . . . . . . . . . . 22 Deposit Check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 Text Enrollment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Additional Features Themes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 Money Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Branches . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 Check Reorder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 eStatements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Messages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Alerts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 Address Change . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 Account Preferences . . . . . . . . . . . . . . . . . . . . . . . . . . 33 Security Preferences . . . . . . . . . . . . . . . . . . . . . . . . . . 34

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By following our tips, Online Banking can be a safe 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 your financial institution, 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 customer service representative.

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Your financial institution 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 your financial institution, please report the incident to a customer 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 their financial institution. 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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1. Go to the Online Banking Login box on the Home Page, click Enroll . 2. This opens the Online Banking new enrollment account verification screen. Enter all the required information. It will be verified by comparing it to the current contact information in our system. When finished, click Submit Enrollment . If you need to update your contact information, please contact your local branch. 3. A new browser window will open congratulating you for having successfully enrolled in Online Banking. You will receive an email once your request has been approved or denied.

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1. Go to the home page and enter your current Login ID (Username) and click Login . If you have forgotten your Login ID, please contact us at 609-463-5230. 2. Click “ I am a new user ” on the next page. 3. You will be directed to a page displaying the contact information on file for your account. Select the contact method that will enable your financial institution to reach you immediately with your one-time Secure Access Code. Choose either phone, text message, or email, and click Submit . If you need to update your contact information in order to receive the access code, please call us during business hours at 609-463-5230. 4. When you receive your six-digit one-time Secure Access Code, enter it in the access code screen and click Submit again. The one-time access code is only valid for 10 minutes. If it 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 already have a Secure Access Code ”. 5. You will then be prompted to change your password. For your protection, you will need to create a password that meets the stated security criteria. When finished, click Submit . 6. Your online profile screen will appear for your review. Please change any out-dated or incorrect information. Click Submit then OK to continue. 7. You are now presented with a copy of the Online Banking Services Agreement. Read and acknowledge that you agree to the conditions by clicking, I Accept . 8. Next, you will be asked if you would like to register your device. If you register your device, you will not have to generate new one-time Secure Access Code when you use that device in the future. 9. You will then be logged in to Online Banking.

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Once you have enrolled as a New User, follow these steps for subsequent logins.

1. From the website’s Online Banking login box, enter your Username , and click Login . 2. Enter your Password and click Submit . 3. Forgot your password? Simply click “ Forgot your Password? ” and select where you would like to receive your one-time Secure Access Code, then follow the instructions to re-establish a password. You need a one-time Secure Access Code each time you login to our Online Banking system if you have not registered your device. It is delivered to you via email, phone call, or SMS text. If you delete the security certificate or “cookie” that activates your computer for later use, or if you log in from a new computer, you will need another one-time 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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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 detail by clicking an account name.

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 view bills.

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What is more reassuring than being in control of your finances? Staying in control of your bills! Our Online Bill Pay allows you to stay on top of your monthly finances with the utmost ease and turn-key efficiency. Free yourself from the hassle of writing checks and the clutter that comes with traditional ways of paying bills. This is a quick and easy alternative to paying your bills online at the sites of each individual company.

With Online Bill Pay, You Can:

> Receive, view, manage and pay bills all on one convenient website. > Set up alerts for electronic bill arrivals. > Schedule automatic payment. > Review bill history and, for some billers, payment posting information. > Use multiple funding accounts to pay bills. Alerts: Add alerts to provide real-time monitoring of your financial situation. Alerts can send emails or text messages to you when certain criteria are met. Bill and Payments: Access this page to make payments, view incoming bills, view and cancel pending payments and view all payments scheduled. Payment Records: This page is where you view past payments. Administration: This is where you select or change your default funding account. Help: This is a quick action how to guide.

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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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Click Bill Payment under the Transactions menu to begin managing your bills online. The Payment Center is a guide to your billers, bills due, as well as editing or deleting scheduled payments.

To Setup a Payee

1. Enter the name of the payee in the “ Pay someone new ” field. Click Add . Next, provide the account and other information and click Continue .

2. Confirm information, then click Make Payments . 3. Enter the amount and date to pay. Click Pay .

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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.

To Setup a Scheduled Payment

1. Under Bills & Payments, the billers are listed by name and account number. 2. 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. 3. Click Pay when finished.

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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 a utility company, a cable TV provider or even a lawn care service. It may be convenient to set up a payee to receive payments on a regular basis. With Automatic Payments there is no need for repeating the same scheduling process each month.

To Setup an Automatic Payment:

1. Under the biller’s name, click Autopay . 2. Check Pay automatically at regular intervals . 3. Enter the remaining details for the automatic payment. 4. When finished, click Save Changes .

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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 the way you make your payments.

To View Bill History

1. Under the Pending Payments section, click Edit 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 a payment.

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View details, edit or cancel your pending payments to better customize your bill pay experience. You may also specify the amount of time prior to the present date to view your account activity.

To View Bill History

1. From the Bill & Payments screen, click View history/reports to reveal recent payment history. 2. From the drop-down menu on the secondary screen, you may view reports for the current month or up to 12 months prior. Click View . 3. History information from your chosen criteria will display below. 4. Click to view Payment details or to Add a Note .

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Online Banking enables you to transfer funds between accounts quickly and easily. Access all linked accounts for single or recurring transfers.

To Transfer Funds:

Click on the Transactions tab, then Funds Transfer .

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. For a one-time transfer, click Submit Transfer .

It is optional to create a recurring transfer and to utilize the Memo field.

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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. Whether individual or recurring transactions, view debits/credits and the status, type, amount, account and date of your online activity.

Click on the Transactions tab, then Activity Center .

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. 2. Click Show Basic and then Search . Click the triangle icon to expand search options.

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With the Person-to-Person Transfer feature, you can send or receive money to or from anyone that banks with Sturdy Savings Bank. All you need is their email address and the last 4 digits of their account number.

1. Whether you would like to make a single transfer or link an account holder’s account to yours (for deposit purposes), click the corresponding radio button. 2. Next, enter the required transfer information. Click Submit . 3. To link another account holder’s account to yours, enter the required transfer information. Click Submit . Click on the Person-to-Person Transfer tab.

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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. See our Fee Schedule for applicable fees.

To Initiate a Stop Payment Request :

1. Select request type; single or multiple checks. 2. Select an account, check number, and other requested information. 3. Click Send Request . Click on the Services tab, then Stop Payment .

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In order to transfer funds from your account outside your main financial institution, you must first enroll the new external account. This will ensure the ability to make fund transfers to and from the outside account by integrating it into one, simple location.

To Add an External Account :

Click on the Transactions tab, then Add External Account .

1. To begin adding an external account, enter the Account Number and the financial institution’s Routing Number in the spaces provided. For reference, these numbers can be located towards the bottom of a paper check. Next, from the drop-down menu, choose the Account Type . 2. Click Continue . You should then receive micro deposits in the added account to show the process has been initialized. Once you receive the amounts of your micro deposits, go to Verify External Account to enter the amounts and activate your external account.

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Once you have made a request to add an external account, you will then be asked to verify the two micro deposits made to the new account to prove ownership.

To Verify an External Account :

Click on the Transactions tab, then Verify External Account .

1. To begin verifying the micro deposit amounts of your external account request, click Submit . You will then be directed to a new window. 2. Select the Account you would like to verify. 3. In the spaces provided, enter the amounts of the micro deposits. Click Submit to finish. 4. Once you have verified your micro deposits, you will be able to initiate transfers through the Funds Transfer tab.

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1. Login to the app and select the menu. 2. Navigate down to Services on your menu options and expand. 3. Select Mobile Deposit Enroll . 4. Scroll to the bottom of the enrollment page. Click the box to accept the T’s and C’s and then select 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 bank you will receive an email 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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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. Click on the Transactions tab and then the Deposit Check tab. Next, choose the deposit account and enter the check 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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Once enrolled in Text Banking, you can check balances, review account history and transfer funds from your Online Banking account using any text enabled device. To enroll, click Text Enrollment under the Setting menu.

To Enroll in Text Banking :

Click on the Services tab, then Text Enrollment .

1. The first step, turn the Text Enrollment button from OFF to ON . 2. Enter your phone/SMS text number . 3. Read the terms and conditions and check the Agree to Terms box. 4. Click Save to complete enrollment.

5. To enable your account to be viewed in Text Banking, visit Account Preferences under the settings menu. Click enabled , customize a (up to) six character account nickname to display and choose the order preference for viewing.

Text Command Options To 226563 For The Following Information:

BAL or BAL

Request account balance Request account history

HIST

XFER

Transfer funds between accounts

LIST

Receive a list of keywords

HELP

Receive a list of contact points for information on text banking Stop all text messages to the mobile device (for text banking and SMS alerts/notifications)

STOP

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Our Online Banking system offers a few different looks, a combination of fonts, colors and menus, that we call “themes”.

1. Click on the Settings tab and then click on the theme you would like to see and it will automatically display.

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Money Manager allows you to manage your money from your Online Banking account. Easily create budgets, categorize and track spending habits, and tag your transactions to see where and how you spend your money. View your investment, mortgage, credit card and account balances and transactions in one place, regardless of where you have your accounts. Access Money Manager under Services and start taking control of your finances today.

Dashboard: You’ll find a quick overview of your financial standing on the dashboard, as well a host of financial tools that you can use to manage your finances. Budget: Track your spending. Add targets that will help you better control such expenses as shopping or dining out. When you establish spending targets, you can also schedule notifications via delivery of your choice when you start getting close to your budget limit. Cashflow: View incoming and outgoing finances on a monthly basis. Goals: Set a personal financial goal and actively set aside money you wish to go towards that goal. Net Worth: Sum up your assets and debts. Use pie charts to see how these assets and debts are allocated. Alerts: Add alerts to provide real-time monitoring of your financial situation. Alerts can send emails or text messages to you when certain criteria are met.

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Mapping from your current location, you can click on the Branches or ATMs button to locate your credit union branches and ATMs.

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With Online Banking, you can conveniently reorder checks online.

If you notice you are missing checks, please contact us as quickly as possible so that we can take proper precautions to safeguard against identity theft and fraud.

1. Select the account you want to reorder checks for. 2. You will be redirected Click on the Services tab, then Check Reorder .

to our check vendor’s website to complete your order.

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The e-Statements feature is a great virtual filing system, saving paper and space in your home or office by allowing you to view and save your statements electronically. You can view an electronic statement in a few easy steps.

Click on the Settings tab, then Statement Preferences . 1. First you will need to read and accept our delivery agreement. Select the radio button next to either I accept or I decline . 2. For each desired account, select the delivery method from the drop-down menu, add the pertinent address needed, then click Save . 3. To view your statement electronically, select the statement account, the cycle and the image type. Click Get Statement .

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Our message center allows you to communicate securely with your bank. Messages can be saved by topic for easy reference. Check here for your alerts; bank replies to your inquiries and bank communications.

To View Your Messages:

1. Messages are displayed at 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 . Click on the Messages tab.

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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. To edit Security Alert Delivery Preferences , go to Security Alerts under the Settings menu. You can edit specific Account, History, and Transaction alert preferences found in Alerts under the Settings menu. Delivery preferences include:

• • • •

Secure Message within Online Banking

Phone Number

SMS text message number

Email to an address you specify Create and manage alerts for your accounts. Enable/disable security alerts for account activity and edit delivery preferences for receiving alerts.

To Set Up Alerts:

Click on the Alerts tab.

1. To create an alert, click the Create New Alert button. 2. To view details of an already existing alert, choose the Click to view details link on the left of the alert.

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It is important to maintain current contact information on your account. You can access this Address Change form under the Services menu.

To Change Your Address:

1. Update your contact information and click Submit . Click on the Services tab, then Address Change .

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In Account Preferences, you can select name and viewing preferences for your Online and Text Banking accounts. When selecting Online, customize your account display name in Online Banking and choose the order preference for viewing. Toggle to the Text button for Text Banking account preferences. To view an account in Text Banking, check “enabled”. Customize a five character account nickname to display and choose the order preference for viewing. Click on the Settings tab.

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In Security Preferences, you can change your password, Login ID and update contact options for delivery of your Secure Access Code.

Click on the Settings tab, then Security Preferences . To Set Up or Change Your Security Preferences:

Change Password: When changing your

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

Change Username: When changing your

username, be sure that you are choosing one that is between 6 – 50 characters long.

Secure Delivery: Make sure we have your correct email and phone number on file so you can receive Secure Access Codes when logging in from an unregistered device.

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