Malauzai Retail Guide for iPhone

Retail Banking Guide for iPhone

Table of Contents

3 4 6 8

Introduction

Security Enrolling Logging In

10 11 12 14 18 22 23 27 31 32 33 36 40 46 48 51 54 56 58 60

Menu

Account Summary & Details

Attach Images Transfer Funds

Deposit a Check (RDC)

Picture Pay

Picture Pay – New Bill Payment Picture Pay – Recurring Payments Picture Pay – Scheduled Payments Picture Pay – Payment History

Picture Pay – Add a Payee

Card Management Secure Messaging

Alerts

Alerts – Security Alerts – Account

Settings

Locations

Help

Share

2

Introduction

3

Security By following our tips, iPhone Retail Banking with Malauzai can be a safe and efficient method for handling your Online Banking needs. For additional security tips, visit our site at malauzai.com . Username and Password Security starts with your mobile device. 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. Secure Sockets Layer Encryption We use Secure Sockets Layer (SSL) encryption, a trusted method for securing Online Banking transactions. This technology scrambles data as it travels between your mobile device and Malauzai, making it difficult for anyone to access your account information. Secure Access Code You need a Secure Access Code to access your accounts when you log in to iPhone Retail Banking with Malauzai for the first time or the first time from any new mobile device. This code is delivered to you via email, phone call or SMS text message. You can opt to register your mobile device so that you do not have to complete the Secure Access Code process the next time that you access the Malauzai iPhone Retail Banking system from that same device. If you delete the security certificate or “cookie” that recognizes your mobile device as previously registered, you will need to request another Secure Access Code. 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 regularly. • Exit your Online Banking session when finished. • Do not leave your mobile device unattended when logged in to Online Banking. • Do not access Online Banking on other mobile devices or unsecured Wifi networks. • If you receive an error when logged in to your account, report the error to a customer service representative at (512) 961-5699.

4

Security Malauzai will never send unsolicited emails asking you to provide, update or verify personal or confidential information via return email. If you receive an alleged email inquiry from Malauzai, please report the incident to a customer service representative as quickly as possible. To reduce the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phishing is an online scam tactic that lures users into unknowingly providing personal data such as credit card information or Username and Passwords. By using realistic-looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convinces them that vital information is being requested by a vendor that they may already have a relationship with, such as their financial institution. 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. 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 mobile device. Additionally, Malauzai will log you off automatically due to inactivity or when your Malauzai session reaches the maximum time limit. Fraud Prevention Tips • Do not open email attachments or click on links from unsolicited sources. • Avoid completing email forms or responding to 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.

5

Enrolling

6

Enrolling

7

Logging In

1 A welcome display appears upon activating our mobile app. Tap Get Started to log in. 2 Next, enter your Username and Password credentials within the provided spaces. 3 You can choose to save your Username and Password before tapping Log In . To do so, tap and drag the Save toggle switch to the right to highlight it.

8

Logging In

4 You will receive a message confirming that your information has successfully saved. 5 Tap Log In to continue. 6 Then, you will be presented with a verification question for added login security. Enter the answer to the verification question within the provided space. Tap Enter when finished. You are now successfully logged in!

9

Menu

After you log in, you can view the menu items and options we have provided for you, such as viewing your accounts, depositing a check and managing alerts.

1 Tap the menu icon that is displayed on top-left side of the screen to reveal main menu items. Press and drag the menu back to the left to retract. Menu items include: • Accounts – View your account summary and transaction details • Transfer Funds – Move money and schedule transfers between accounts • Deposit a Check – Capture a check image to deposit money into your account • Picture Pay – Pay new and existing bills with your camera • Card Management – Manage your card account and view transactions • Messaging – Compose and receive messages, alerts and updates • Alerts – Manage security and account alerts to your email or smartphone 2 Additional menu options are also located at the bottom of the menu panel.

10

Accounts Summary & Details

The Accounts screen displays your active accounts along with the available and current balances for each.

1 Enter relevant transaction information into the Search Transactions bar to reveal search results. 2 Current accounts are displayed in a list. 3 Additional transaction information will display underneath each account. 4 Tap the corresponding green camera icon underneath an amount to reveal a snapshot of details about that transaction. The adjacent gray triangular icon will activate, and transaction details will display. 5 Tap the paper clip icon to attach an image to a transaction. 6 To attach a check image to a transaction, tap the corresponding check icon.

11

Attach Images

Attaching an image to a transaction can serve as a helpful reminder when reviewing your account activities at a later time.

1 Tap the paper clip icon to attach an image to a transaction. 2 To attach a check image to a transaction, tap the corresponding check icon. 3 A menu of options will display if you chose to attach an image to a transaction. Select whether you would like to manually capture or upload an image.

12

Attach Images

4 If you choose to attach a check image to a transaction, your smartphone will automatically switch to camera mode. Place your check on a high-contrasting surface, and align the check within the camera window. Tap inside the camera window to capture the check image. Tap Done when finished.

13

Transfer Funds

14

Transfer Funds

15

Transfer Funds

16

Transfer Funds

17

Deposit a Check (RDC)

Remote Deposit Capture (RDC) allows you to directly deposit a check from your phone using our app.

1 Tap Deposit a Check in the main menu, and then tap Snap a picture of a check on the next screen. 2 The next screen allows you to enter the required information to successfully deposit a check. To begin, tap the To required field. Please note that checks deposited before 5:00 p.m. between Monday and Friday process the same day. Deposits after this time will credit your account on the next business day.

18

Deposit a Check (RDC)

3 Next, tap the account that will receive the deposit from the account list. 4 Tap the Amount required field, then enter the stated amount on your check using the keypad.

19

Deposit a Check (RDC)

5 You will then capture a photo of the front of your check. Place your check on a high-contrasting surface, and align the check within the camera window. Tap inside the camera window to capture the check image. 6 Follow the same instructions for the reverse side of the check. Please note that the back of your check must contain a signature in order to be deposited.

20

Deposit a Check (RDC)

7 You will be notified whether your check images have been successfully captured. 8 Tap Submit . 9 The next screen summarizes your check deposit. Tap Confirm to submit your deposit for review. This deposit will appear as a pending transaction in your receiving account until it is approved.

21

Picture Pay

Picture Pay saves you time and effort by allowing you to pay your bills with your camera.

22

Picture Pay – New Bill Payment

1 Tap Pay a bill with your camera from the main Picture Pay screen to initiate a new bill payment. Your smartphone will automatically switch to the camera mode. If applicable, detatch the payment voucher from your paper bill, and place it on a high-contrasting surface. Be sure that the full account number and the biller's address as well as all four corners of the voucher are visible. 2 Tap the capture button.

23

Picture Pay – New Bill Payment

3 The captured payment voucher will display under the Submitted Image field. To proceed, tap the Pay From required field to assign the debit account. 4 Then, tap the account that will be debited from the account list.

24

Picture Pay – New Bill Payment

5 Tap the Amount required field, then enter the amount stated on your check using the keypad. 6 Next, select the Deliver By date. When the calendar feature appears, the date you choose will highlight in green. The Send On Date will appear within a highlighted red circle, indicating the date a payment must be sent in order to meet the selected Deliver By deadline.

25

Picture Pay – New Bill Payment

7 Tap Delivery Option from the calendar feature and choose the delivery method you prefer. The length of time between the Deliver By date and the Send On Date depends on the delivery option you select. 8 The next screen will summarize your bill payment. Tap Submit . This payment will appear within the Scheduled category on the main Picture Pay screen until it is delivered.

26

Picture Pay – Recurring Payments

Picture Pay also conveniently allows you to schedule recurring bills so you never miss a payment.

1 Tap the Pay an existing bill again option from the main Picture Pay screen to initiate a recurring payment. 2 Next, tap the Pay From required field, and the account that will be debited from the account list.

27

Picture Pay – Recurring Payments

3 Tap the Payee Name required field and select the desired name from the list. 4 Next, tap the Amount required field, then enter the appropriate amount using the keypad.

28

Picture Pay – Recurring Payments

5 Tap the Frequency required field and select the option you prefer. 6 Next, tap the Deliver By required field and select the appropriate date when the calendar feature appears. The date you choose will highlight in green. The Send On Date will appear within a highlighted red circle, indicating the date a payment must be sent in order to meet the selected Deliver By deadline.

29

Picture Pay – Recurring Payments

7 Tap Delivery Option from the calendar feature and choose the delivery method you prefer. The length of time between the Deliver By date and the Send On Date depends on the delivery option you select. 8 The next screen will summarize your recurring bill payment. Tap Submit . This payment will appear within the Scheduled category on the main Picture Pay screen until it is delivered.

30

Picture Pay – Scheduled Payments

31

Picture Pay – Payment History

32

Picture Pay – Add a Payee

By creating a Payee, you manage who you send your money to by saving their information for future use.

1 Tap Payees from the main Picture Pay screen to add a new payee. On the next screen, tap the Pay From required field to assign the debit account. 2 Next, tap the account that will be debited from the account list.

33

Picture Pay – Add a Payee

3 Enter the Payee Name, Payee Nickname and Account Number using the keypad. 4 Scroll down to enter the Address for the payee, including the City, State and Zip Code.

34

Picture Pay – Add a Payee

5 You will receive a message confirming that the new payee information has successfully submitted.

35

Card Management

36

Card Management

37

Card Management

38

Card Management

39

Secure Messaging

40

Secure Messaging

41

Secure Messaging

42

Secure Messaging

43

Secure Messaging

44

Secure Messaging

45

Alerts

Alerts help you stay on top of your accounts by notifying you through Email or SMS/Text when certain triggers occur.

1 Tap Alerts from the main menu. On the next screen, you can establish or edit your Email and SMS/Text Delivery Options or configure your Security and Account Alerts. Tap the paper airplane icon in the Delivery Options panel to change your Email Settings. 2 Enter or edit your email address within the provided space. Tap Save when finished.

46

Alerts

3 Tap the smartphone icon in the Delivery Options panel to manage your Phone Settings. Enter or edit your phone number within the provided space. Tap Save when finished. 4 You will receive a message confirming that the new Email or SMS/Text Delivery Option information has successfully saved.

47

Alerts – Security

1 Tap Security Alerts from the main Alerts screen. On the next screen, tap on a scenario entry to activate the option to receive Email Alerts. 2 Once you have tapped on a scenario entry, the panel will expand to reveal a paper airplane icon. If a scenario has not been activated for Email Alerts, it will display as "OFF."

48

Alerts – Security

3 To activate a scenario for Email Alerts, tap the paper airplane icon. The "OFF" display will disappear, and the icon features will become more prominent. 4 If a scenario requires you to enter an amount, enter it within the provided space using the keypad.

49

Alerts – Security

5 Once you have entered an amount, you may also expand the panel to activate the scenario for Email Alerts. 6 You will receive a message confirming that the new Security Alerts information has successfully saved.

50

Alerts – Account

1 Tap Account Alerts from the main Alerts screen. On the next screen, tap an account to activate the option to receive Email or SMS/Text Alerts. 2 Tap a scenario entry on the next screen.

51

Alerts – Account

3 If a scenario requires you to enter an amount, enter it within the provided space using the keypad. 4 Once you enter an amount, you can also expand the panel to activate the scenario for Email or SMS/Text Alerts. If a scenario has not been activated for either, it will display as "OFF."

52

Alerts – Account

5 To activate a scenario for Email or SMS/Text Alerts, tap the paper airplane or smartphone icon. The "OFF" display will disappear, and the icon features will become more prominent. 6 You will receive a message confirming that the new Account Alerts information has successfully saved.

53

Settings

Settings allows you to manage your personal preferences such as Account Order and Language.

1 From the main menu, tap the Settings menu icon that is displayed at the bottom. 2 Tap the option on the Settings screen that you would like to configure.

54

Settings

55

Locations

Here you can locate our nearest branches or ATMs.

1 From the main menu, tap the Locations menu icon that is displayed at the bottom. 2 Enter branch or ATM information within the Search bar at the top of the Locations screen to reveal search results. 3 Locations will display in a list.

56

Locations

57

Help

58

Help

59

Share

60

Share

61

12301 Research Blvd., Suite 100 | Austin, TX 78759 (512) 961-5699 | malauzai.com