Shore United Bank Online & Mobile Banking User's Guide

Business Edition

ONLINE & MOBILE BANKING USER’S GUIDE

ShoreUnitedBank.com | 877.758.1600

» Welcome!

A definitive and true Online & Mobile Banking experience should mean that it is available to you 24 hours a day, 7 days a week; without holding back on service excellence and a “customer first” outlook. This guide seeks to further define this endeavor by helping to explain how Online & Mobile Banking can help manage your finances, while keeping you updated on how our current system operates. Please use this guide as a quick reference or an in-depth insight to the ways of Online Banking & Mobile Banking and the many options it provides!

Thank you!

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» Table of Contents

Security . . . . . . . . . . 2 Logging In . . . . . . . . . . . . . . . . . 4 Home . . . . . . . . . . . 5 Messages . . . . . . . . . . 6 Accounts . . . . . . . . . . 7 Account Detail . . . . . . . 8 Account History . . . . . . 9 Transfers . . . . . . . . . 10 External Transfers . . . . . 11 Cash Management . . . . . 12 ACH Overview/ ACH History . . . . . . . . 13 Pending ACH Batches . . . 14 Consumer Transactions: Payroll & Credit Batch . . . 15 Consumer Transactions: Collect Payment & Debit Batch . . . . . . . . 16 Commercial Transactions: Credit & Debit Batch . . . . 17 NACHA Import . . . . . . 18 Wire Transfer Overview/ Pending Wires . . . . . . . 19 Wire History . . . . . . . 20 Single Wire Transfer . . . . 21 Multiple Wire Transfer . . . 22 Single Book Transfers . . . 23 Book Transfers History . . 24 Multiple Book Transfers . . 25 Positive Pay (Enter Issued Items) . . . . 26

Positive Pay (Search Issued Items) . . . 27 Positive Pay (Reconciliation Reports) . . 28 Balance Reporting . . . . 29 Services & Settings . . . . 30 Notify Me Alerts . . . . . . 31 eStatements . . . . . . . 32 Bill Pay Overview . . . . . 34 Add a Bill . . . . . . . . 35 Make Payments . . . . . . 36 Manage My Bills . . . . . . . . . . . 37 Bill History . . . . . . . . . . . . . . . . 38 Person to Person Payments (P2P) . . . . . 39 Mobile Banking Overview . 40 Mobile Check Deposit . . . 41

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» Security

By following our tips, Online Banking can be a safe and efficient method for handling your banking needs. User Identification & Password Security starts at your computer. Never share your User 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 clues. Secure Sockets Layer Encryption (SSL) This technology scrambles data as it travels between your computer and your financial institution, making it difficult for anyone to access your account information. SSL is a trusted method of securing internet transactions. Browser Registration In addition to your personal password security, your financial institution has added additional security measures with Browser Registration. Browser Registration strengthens the safeguards in place at login by adding additional steps to verify your identity. Although these security enhancements are benefiting you and your security, you probably will not notice them during your regular day-to-day experience. 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. > Log out and exit your Online Banking session when finished. > Do not leave your computer unattended when logged into Online Banking.

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» Security 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. Please read the security tips/fraud prevention content located under Personal Banking > Services > Security Tips for additional information on how to make yourself more secure online. Just click on the link located on our website’s home page. Phishing Phishing is an online scam tactic that is used to lure users into unknowingly providing personal data, such as credit card information or User IDs and Passwords. Using spoof (look-a- like) emails and websites, the 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 bank. Identity Theft It is important that our customers 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 in your name, purchase merchandise and commit other fraud or related 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. If possible, use a phone number not listed in a suspicious email.

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» Logging In

Logging in is simple and easy to do. Begin by launching your web browser and go to www.shoreunitedbank.com .

1 Click Login located on the right-hand side of the screen. 2 Select Banking. Enter your Access ID and Passcode in the fields located in the login box, then click Login . 3 If you are not currently enrolled, select either “Personal Enrollment” or “Business Enrollment”. Note: Always remember to logout when you are no longer accessing your account.

When you are logged in, please familiarize yourself with our main menu, located at the top of each screen. Your account inquiries and managing processes will begin here.

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» Home Home is a summary of different areas within your Online Banking experience—all in one easy-to-access view. Return to this page by clicking on the Home tab or Shore United Bank logo.

The following information and options are located on the Home page: > Click on Welcome to access Services & Settings > Messages/Alerts

> Make a One-Time Transfer > View Contact Information

1 All accounts are listed on the Home page menu. Search and Sort by options are available. 2 Click on an Account Name/Number to reveal more information and options.

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» Messages The messages screen is where you can view all of your messages in your online box. It is located in the upper right corner of your screen.

1 To view an unread message, simply click on the View All Messages option. Read and when finished select whether you would like to Delete or Reply . 2 To send a secure message, use the Message tab then New Messages . Or when in View All Messages , use the I want to drop-down menu and select Contact Us . In the next window, you will need to make a selection regarding the account and category. Type in your subject, message and click Send Message . Note: A Help link is available in the upper-right hand corner next to the print icon. This link will assist you with the page displayed while logged in.

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» Accounts The Accounts screen displays all of your accounts. You can view your current deposit, savings/X-mas Club, CD, IRA and loan balances, and access two years of transaction history for each account viewing 80 days at a time. To begin, click the Accounts tab.

1 Click the Account Name to display the Account Details and history for that account. 2 Use the links to the right to view More Details & Routing Numbers, Stop Check Payment, Future View or Transfer to and from accounts. 3 Click the Print icon to print a simplified copy of your account information.

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» Account Detail

Select an account name from the Account screen to view more detailed information about the account.

1 Current account details will display here. 2 In the Find Transaction bar, you can enter the name of the transaction. Click on More Details to display in a different date range. 3 For transaction history, simply scroll down the page. Your most recent transactions within the last 30 days will display here.

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» Account History The Account Activity screen is a great way to search your account for specific information you need. You can also download your financial transaction activity in the format of your choice.

1 Scrolling down the page allows you to query your account information by a specific date range. You can also sort your account information by subject. 2 Next to Find Transaction bar, the Download File allows you to download your account information in the format of your choice. 3 More Options allows you to search specifically by Transaction Type, Check number and Range, and Amount Range. Simply click ‘Add another filter’.

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» Transfers The Transfers screen allows you to quickly and easily transfer funds between internal accounts. You can make, one-time transfers or schedule transfers for a future date. Scheduled Recurring transfers will not end automatically; to end a Scheduled Transfer, use the edit/cancel feature. To begin, click the Transfers tab and appropriate option.

1 From the drop-down menus, choose the account you want to transfer funds From and To . 2 Enter the transfer details, such as the Transfer Description and Amount . Select the Frequency , and time Period then enter a Scheduled Date . 3 Click Transfer . 4 Review transfer details in the next window. Click Transfer to complete the transfer. 5 View and manage your pending and recent transfers as they appear in the window que.

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» External Transfers Transfer funds to and/or from another financial institution by providing the information for that account and clicking Submit . Clicking Submit will authorize us to verify its existence and ownership, and to transfer funds electronically between this account and your designated online accounts according to your instructions. To add a new external account, click the Transfer tab in the menu bar, then Add External Transfer Account .

1 Accept the Online Banking External Transfer Service Agreement. Enter the Financial Institution Name and the Account Owner Name . Select the Account Type from the drop-down menu and enter the Routing & Transit Number and the Account Number . 2 Enter a Nickname and choose either to Transfer To or From the external account. 3 Click Submit to save. Note: Once you click Submit , an Online Banking External Transfer Account Request form will appear. This form must be completed and returned, along with a voided check or deposit slip for the external account. We must receive your form within 2 weeks of submitting your information. Upon approval, you may begin using the External Transfer Account feature.

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» Cash Management The Cash Management features and functions available are displayed under the Cash Management tab. Just by simply clicking a link on this screen, you are able to perform necessary tasks, such as creating ACH batches, wire and book transfers, check reconciliation and viewing balance reports.

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» ACH Overview An Automated Clearing House (ACH) transfer is the electronic transmission of a file which contains pertinent information to the movement of funds between accounts. An ACH transfer is commonly used to expedite direct deposit of payroll, pay bills, concentrate funds from other financial institutions or collect membership dues. An ACH transfer generally consists of multiple transactions and is referred to as a “batch”. » ACH History To begin viewing ACH information and activity from a chosen date range, select I want to tab, then select View History from the ACH panel located under the Cash Management tab.

1 From the drop-down menus and calendar tool, select the Batch Type , the From and To date range and your viewing preference. 2 Select View History to display your results.

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» Pending ACH Batches This screen allows you to approve, edit, export or delete selected batches that are displayed in the cue. You may also create a detailed report for your records. Select Pending ACH Batches from the section in the Cash Management menu.

1 Select the checkbox to the left of the batch to include a batch in an ACH summary, report or other function. 2 Click Check All or Uncheck All for quicker selecting and deselecting. Click Create Report to view or print batch information. You may also export, delete, approve and copy batches. 3 Click the batch name to view, edit or approve the batch. 4 From the I want to menu, choose whether you would like to create a new batch or view batch history.

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» Consumer Transactions: Payroll & Credit Batch

Prearranged Payment and Deposit (PPD) transactions are organization-initiated debits and credits for single or recurring entries authorized by the customers or employees. Example transactions are mortgage and insurance payments, etc. To begin setting up a PPD credit batch, select either Payroll Batch or Credit Batch from the ACH panel located under the Cash Management menu.

1 To import batch information, utilize the I want to menu. 2 Enter a name for the batch. 3 From the drop-down menus, enter the Frequency , Period and Effective Date . 4 Next, enter the name of the company, their Tax ID# and Settlement Account . 5 Click Approve to finish. Click Save to hold entered information and resume this process at a later time. 6 Existing batch items are displayed in the panel below the PPD Credit Batch Header.

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» Consumer Transactions: Collect Payment & Debit Batch To begin setting up a PPD debit batch, select either Collect Payment or Debit Batch from the ACH panel located under the Cash Management menu.

1 Enter a name for the batch. 2 To import batch information, utilize the I want to menu. 3 From the drop-down menus, enter the Frequency , Period and Effective Date . 4 Next, enter the name of the company, their Tax ID# and Settlement Account . 5 Click Approve to finish. Click Save to hold entered information and resume this process at a later time. 6 Existing batch items are displayed in the panel below the Collect Payment section.

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» Commercial Transactions: Credit & Debit Batch

A Cash Concentration or Disbursement (CCD) batch is a type of ACH origination. CCD transactions are organization-initiated debits and credits to other commercial accounts for funds consolidating, or payments to a branch or vendor, etc. To begin setting up a CCD credit or debit batch, select either Credit Batch (CCD/CCD+) or Debit Batch (CCD/CCD+) from the ACH panel located under the Cash Management menu.

1 Enter a name for the batch. 2 To import batch information, utilize the I want to menu. 3 From the drop-down menus, enter the Frequency , Period and Effective Date . 4 Next, enter the name of the company, their Tax ID# and Settlement Account . 5 Click Approve to finish. Click Save to hold entered information and resume this process at a later time.

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» NACHA Import The NACHA Import function allows you to create a new or update existing batch templates using a file created by another application. You may import a Standard ACH File (formatted to NACHA specifications) to add new batches to the system. To begin importing batch information, select NACHA File Import from the ACH Origination panel located under the Cash Management menu.

1 Click Choose File to begin uploading batch information. From the drop-down menu, select the account the batch information will be attached to. 2 To finish, click Import NACHA File .

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» Wire Transfer Overview The Wire Transfer service allows you to move funds between accounts within different financial institutions. Transfers can be scheduled for the current day or (if applicable) a date in the future. Pending transfers can be reviewed and deleted. » Pending Wires This screen allows you to approve, edit, export or delete selected wires that are displayed in the cue. You may also create a detailed report for your records. To begin, select Pending Wires from the Wire Transfers panel located under the Cash Management menu.

1 Pending wires will be displayed in the window here. 2 Utilize the I want to menu to view or create single and repetitive wire transfers, or view wire history.

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» Wire History To begin viewing wire history, select History from the Wire Transfers panel under the Cash Management Menu. You will then be asked to narrow down your search criteria.

1 Using the calendar tool and drop-down menu, enter the From and To date range and your viewing preference. 2 Click View History to display your search results.

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» Single Wire Transfer To begin moving funds between accounts in a single instance, select Single Wire from the Wire Transfers panel under the Cash Management Menu.

> Information for Fields marked with an asterisk ‘*’ are required. Otherwise, the transfer will not be completed. 1 Enter all pertinent information regarding the Sender of the wire. 2 Enter all pertinent information regarding the wire Beneficiary , or whom will be receiving the wire. 3 Next, enter the Beneficiary Institution’s information. 4 Click Save Wire to hold entered information and resume this process at a later time. To approve, click Approve Wire .

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» Multiple Wire Transfer To begin moving funds between accounts in multiple instances, select Repetitive Wire from the Wire Transfers panel under the Cash Management Menu. > If no transfer templates are listed, create a new template using the I want to menu and select Create New Template .

1 Select Account to debit, dollar amount to transfer and date to transfer. Enter all pertinent information regarding the Sender of the repetitive wire. 2 Enter the Frequency of the wire. 3 Enter any special instructions for the Beneficiary . 4 Click Save Wire to hold entered information and resume this process at a later time. To approve, click Approve Wire .

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» Single Book Transfers The transfer of funds from one deposit account to another at the same financial institution is a Book Transfer . Complete a variety of functions from one screen, start by selecting Schedule Single Transfer, Schedule Multiple Transfer, Schedule Loan Payment and more from the Transfers Tab. You may also use the Cash Management menu selecting from the Book Transfers panel to see Pending Transfers, History, Schedule Single Transfer, Schedule Multiple Transfers and Transfer Templates.

1 Utilize the I want to menu to complete a loan payment. 2 Enter all pertinent information for scheduling a single or recurring book transfer, including the participating accounts, amount, frequency and transfer dates. 3 To complete the transfer, click Transfer . 4 Pending transfers are displayed to the right of the transfer scheduling window. Select an entry or utilize the I want to menu to view, edit or cancel a pending transfer. 5 Select a recent transfer entry to view transfer details by clicking on the highlighted account name. 6 To view book transfer history, click View Transfer History .

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» Book Transfers History To begin viewing book transfer history, select History from the Book Transfers panel under Cash Management menu.

1 From the drop-down menus, enter the From and To accounts. 2 Enter the date range of the transfer using the calendar tool. 3 Click View History .

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» Multiple Book Transfers Schedule multiple transfers with one click, starting by selecting Schedule Multiple Transfers under the Transfers tab or Cash Management menu > Book Transfers panel.

1 Enter all pertinent information for scheduling a single or recurring book transfer, including the participating accounts, amount, frequency and transfer dates. Complete the same steps for each transfer window. 2 To complete multiple transfers, click Transfer .

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» Positive Pay Enter Issued Items

The check reconciliation feature (also known as Positive Pay ) provides a strong defense against check fraud. This optional service allows business clients to maintain a list of issued details, such as check number, payee and amount to compare to their daily in-clearing checks. The Enter Issued Items feature lets you manually enter your check data and submit issued checks for reconciliation processing. There are two panels of the Enter Issued Items screen. The top panel, a user adds issued checks to send, the second panel is where you can stop or void the issued items prior to sending. To begin, select Enter Issued Items from the Check Reconciliation panel under the Cash Management menu.

1 Select an account from the Account drop-down menu. 2 Utilize the I want to menu if you would like to import issued items. 3 Enter the issue date, check number, payee and amount in the provided fields. 4 Click the Save Entered Items or look further to the Next 20 items. You can also click Cancel .

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» Positive Pay Search Issued Item

To begin searching for issued items to view or modify, select View/Modify Issued Items from the Check Reconciliation panel under the Cash Management menu.

By default the previous 30 days from today’s date appears in box. If searching different dates, fill in the necessary fields. 1 Enter the specific check number or range of numbers if looking for a specific check. 2 To include cleared/exception items in your search, click the checkbox. 3 Select View/Modify Items .

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» Positive Pay Check Reconciliation Reports By selecting either View Reconciliation Reports or Today’s Reconciliation Report from the Check Reconciliation panel under the Cash Management Menu, you can view the status of the entered issued items. > To enter issued items , select Check Reconciliation from the Cash Management drop down menu. Select the account on which the items are drawn then enter issued items information, Date, Check #, Payee, Amount and Status.

1 Enter the date pertaining to the report you wish to view. Click View Reports . 2 Issue details will then display. Click Done when finished. 3 Once you have clicked Today’s Reconciliation Report from the Check Reconciliation panel under the Cash Management Menu, you can view the most current report.

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» Balance Reporting View, export and print account balance reports quickly from one window! To begin, select Quick Balance Report from the Balance Reporting panel under the Cash Management Menu.

1 From the drop-down menu, select the account from which you would like to view a balance report. 2 Select the specific report you would like to view, such as Detail/Recent Transactions , Transfer To This Account, Transfer From This Account or Future View . 3 The Quick Balance Report shows you the individual and total balances of your listed accounts. 4 Utilize the I want to menu to save your search results as an HTML file, as a tab-separated file or for print. Also use the I want to menu to select accounts that you want to appear in your Quick Balance Report.

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» Services & Settings The Services & Settings feature enables you to edit your personal information as well as other important settings. It’s important that you keep your personal contact information up- to-date in case there is ever a need for us to contact you.

1 To manage your account, select the appropriate link in the Welcome (your name) section. From there, you can update or change your contact and security information, and go to the Services & Settings page. 2 From the All Services & Settings page, you can select the links of the different features to manage your accounts. 3 To stop a payment, change your contact information or reorder checks, select the appropriate link in either the Quick Links or All Services & Settings sections. 4 To change your passcode, security verification questions or security code delivery preference, select the appropriate link in the Security Settings section. 5 To send a secure message to us, click the Send a Secure Message link in the Contact Us section.

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» Alerts The Notify Me Alerts feature allows you to receive email and text notifications for a variety of transactions and account activities, such as low balance and account transfer notifications. You can also view your Alert History and manage your contact information. Click Alerts then select Settings to begin.

1 Begin managing your contact information for alerts from the Alerts drop-down menu. You can be notified by email or text when a message is sent to your inbox by clicking Settings menu. 2 Manage your Account Activity Alerts , Messaging Alerts and Security Alerts by selecting on the appropriate tab. 3 Click Edit Account Activity Alerts from the I want to drop- down menu to manage alerts and delivery methods for one or more accounts. 4 To set an Alert for one or more accounts, choose Edit from the I want to action menu located on the row with each alert type.

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» eStatements

Enroll in eStatements today by logging in to your Online Banking account using your access ID and passcode. Select the eStatements tab to complete the online enrollment. If you are not currently an Online Banking customer you will need to sign up for our Online Banking service before you can enroll to receive eStatements.

1 After selecting the eStatement tab, you will be presented with an Online Agreement and Disclosure for eStatements. Enter your validation code and click “I Accept.” 2 All of your accounts will default to Electronic delivery . If you wish to change any account back to printed/mailed, select the Preference tab and click the Statement drop down arrow next to the account that you’d like to change. Please note that if you choose printed/mailed, your statement(s) will no longer be viewable in the eStatement portal. 3 When your next statement cycles, you will receive an email notification stating that it is available.

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» eStatements

The eStatement portal also provides access to additional electronic statements and documents under the Taxes and Other Documents tabs.

Tax Forms

Other Documents

Preferences You can give others access to your eStatements by using the Interested Parties link. Choose each accessible account and provide the requested information to set up others associated with your eStatements.

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» Bills & Payments Overview Bill Payment offers you convenience and saves time. No more buying stamps and writing checks. You can view recent and pending transactions, pay bills, receive eBills, and view bill history all from the Payment Center.

1 To begin enrolling an account in bill pay, simply click the Welcome (your name) section in the main menu. Click All Services & Settings . 2 From the Preference section, you can add or edit an account by selecting either Add Account or Modify Access & Services . 3 From the Add Account section, click the radio button for Bill Pay, then click the Add Account(s) button. 4 The Modify Access & Services screen will give you the option to select the services you wish to update. Click the Edit or Remove Access options from the I want to drop-down menu. 5 You will receive a screen summarizing your request. Click Submit . Once approved, you will be notified to use Bill Pay.

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» Add a Bill Before making your first bill payment online, you must set up one or more designated bills. A biller can be any person or company you pay within the United States or whom you would normally send a check. It is helpful to have a recent bill or statement available for reference.

1 Click Add a company or person to pay from the Payment Center screen. 2 Enter the name of any company or person, or click a category to query our database of commonly paid billers. 3 Enter the requested information for the biller, then click Add . Note: You may use bill payments from anywhere, but billers must be within the United States. You can not use bill payment to pay court directed obligations such as alimony or child support or to pay taxes. Other restrictions may apply.

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» Make Payments The Payment Center enables you to enter one or all of your bill payments from a single screen. Billers who have been set up for automatic payments or e-Bills are designated with a corresponding icon.

1 Enter the amount for each bill. 2 The earliest possible Pay Date (date the biller will receive payment) will automatically prefill. You may manually select a later date if desired. 3 Click Send Money to submit all entered payments. You will be presented with a confirmation screen and must select Submit Payments once you review to submit the payments. The payments will display in the Pending Payments section of the Payment Center. To modify payments, click on Make Changes or Cancel to edit or delete the transaction.

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» Manage My Bills Update biller information, set up bill reminders or automatic payments and receive your bill online with just a few quick steps.

1 Select Bills & Payments in the main header to get to the Payment Center . 2 Find a biller to manage account. 3 Select the task you would like to complete by clicking on either Activity, Reminders or AutoPay options. From each of these screens you can either select More Activity, Set Up Reminders or Set Up AutoPay . 4 Once the task is selected, you can complete the information click the button at the bottom screen.

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» Bill Activity Keep track of the bills you have already paid with Activity . You can view your most recent payments in the Payment Center each time you log in. You can also choose Activity from the Payment Center menu for a more detailed payment list.

1 Select the date range you would like to view using the drop-down menu. 2 To see more details for a bill, click on the individual bill. You can view payment details including the Pay Date and the Status of a payment.

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» Person to Person Payments (P2P)

Person to Person Payments allow you to securely send funds to anyone in the US through Popmoney.

To send funds, follow these simple steps:

> Log in to your Online Banking account and select Bills & Payments . > Click on the Popmoney tab within the payment center. > Enter the payee’s mobile phone number, email address or bank account information. > Choose the amount and date you wish to send the money, select the account you would like the money to be debited from and select Continue . > A Person to Person payment fee will be charged.

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» Mobile Banking Overview With Mobile Banking, you can manage your accounts from any of your mobile devices! Make the most of Mobile Banking by texting, web browsing or with a downloadable application— anywhere, anytime and any way you want. Text Banking If you don’t have a smart phone, Text Banking allows you to receive current balance and recent transaction information instantly by text message (SMS). No log in or internet required! Mobile Banking Use our Mobile Banking browser or app on your smart phone to view account balances and recent transactions, transfer money between accounts, pay bills, make deposits or find nearby branch and ATM locations. To Get Started 1 Download the SUB Bank Mobile App from your device’s app store. 2 Log on and enter your Online Banking user ID and password. If you are not currently enrolled in Mobile Banking you will be presented with a series of security questions and prompted to enter your mobile phone number to enroll your device. 3 If you are not currently enrolled in Online Banking, select the Not enrolled in Online Banking? Click Here option. You will then be directed to the bank website where you can select the enroll now option for Online Banking. * Phone requirements include: > web capability for Mobile Banking > SMS/text message capability for Text Banking ** Other carrier fees per your mobile phone contract/plan may apply

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» Mobile Check Deposit Mobile Deposit allows you to deposit a single check into your checking or savings account by simply taking a picture of the front and back of the check with a camera-enabled smart phone or tablet. Mobile Check Deposit is available with Online Banking and Mobile enrollment.

Begin by following a few simple steps:

Step 1 Download the

Shore United Bank Mobile App from your device’s app store.

Step 2 Log on and enter your

Online Banking Access ID and password. If you are not currently enrolled in Mobile Banking you will be presented with a series of security questions and prompted to enter your mobile phone number to enroll your device.

Step 3 If you are not currently enrolled in Online

Banking, select the Not enrolled in Online Banking? Click Here option. You will then be directed to the bank website. Click Login button. Select Banking, scroll to find Business Enrollment and follow directions to enroll for Online Banking.

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» Mobile Check Deposit

Step 4 If it’s your first time using Mobile Check Deposit you will need to read and accept the Mobile Terms and Conditions, which you will only need to do once. Note that certain upgrades in the future may require that you accept the Mobile Terms and Conditions to proceed with the change.

Step 5 To get started, select Check Deposit from the menu.

You will then be presented with a

message on how to position your check. Tap Continue to start. Read and Accept the Welcome Notice.

Step 6 Select Amount and enter the value of the check and then select Done .

Step 7 Select the Deposit To

field and choose which account you would like to deposit your check to.

Step 8 Select Email Receipt to and enter your e-mail address to receive your deposit receipt and then select Continue .

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» Mobile Check Deposit

Step 9 Select the Front option; your mobile device camera will automatically turn on.

Place the check on a flat surface with a contrasting background. Line up the check image in the frame and hold your camera steady to take the picture. Select the to accept the picture. of the back of your check. Be sure you have properly endorsed your check with your “signature” and the description “mobile deposit only” under your signature. Line up the check image in the frame and hold your camera steady to take the picture. Select the to accept the picture.

Step 10 Next select the Back option to take a picture

Step 11 Review all of the information. If your deposit is correct, select the Approve option.

Step 12 Read and Accept Funds Availability Notice.

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» Mobile Check Deposit

Step 13 On the Home screen you will have the option to review your submission. Select More > Check Deposits. Click on Deposit date to review details. If you entered your e-mail address, you will receive an email confirmation when your deposit has been received, and also when it is accepted. If the transaction is rejected, you will receive a notice indicating why. Deposits made after 3:00 p.m. EST will typically be posted within two business days. Items deposited will not be available for viewing in Online Banking until daily processing has been completed. Processing days for Mobile Check Deposit are Monday-Friday, with the exception of Federal holidays. When making a deposit, we suggest that you hold on to your check until you see the deposit posted to your account. After that, you can securely destroy the original check.

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ShoreUnitedBank.com 877.758.1600

03/2018