SAMPLE - CUSTOM (Q2) Retail User Guide
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Published by Murphy & Company, Inc. 13610 Barrett Office Dr. St. Louis, MO 63021 www.mcompany.com
© 2009-2015 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries. © 2012 Portions of this guide are written by Q2 eBanking. Please Note: The information contained in this guide may not apply to your specific Internet Banking options based on the services you are eligible for with your current account(s). Additionally, the services displayed within the guide may change periodically to better reflect upgrades and changes to the service offerings within TCU Internet Banking.
Welcome
We work hard to provide our members with the financial tools they need to achieve the goals in life that matter. Internet Banking is an important one of those tools. Our Internet Banking system is designed for ease of use. Whether you access it from your desktop, tablet or smart phone, it looks and functions the same across all devices. Plus, 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 Internet Banking with TCU.
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Table of Contents
Teachers Credit Union
General Information Security.................................................................................................................... 3 Logging In.............................................................................................................. 7 Home Accounts................................................................................................................. 8 Account Details.................................................................................................... 9 Messages Messages...............................................................................................................10 Transfers Make a Transfer..................................................................................................11 Member to Member Transfer........................................................................12 Recent Activity....................................................................................................13 Add External Account......................................................................................14 Verify External Account...................................................................................15 Account Services Add an Account..................................................................................................16 Pay Bills..................................................................................................................17 eDeposit Enrollment.........................................................................................18 eStatements.........................................................................................................19 Debit Card Rebate.............................................................................................20 Debit Assurance.................................................................................................21 Everyday Savings...............................................................................................22 Loan Holiday........................................................................................................23 Stop Payment......................................................................................................24 Address Change.................................................................................................25 Check Reorder.....................................................................................................26 My Money Manager..........................................................................................27 Loan Services Credit Card Services..........................................................................................28 Apply for Credit Card........................................................................................29 Mortgage Services.............................................................................................30 Locations Branches and ATMs...........................................................................................31 Settings Alerts......................................................................................................................32 Text Banking........................................................................................................33 Account Preferences.........................................................................................34 Security Preferences.........................................................................................35 Themes..................................................................................................................36 Help Online Guides & Demos..................................................................................37 Log Off Logging Off..........................................................................................................38
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General Information
Security
TCU Internet Banking is a safe and convenient method for accessing your account information at anytime, from anywhere. Please make sure to follow these tips to help further protect your personal information when conducting business online:
User Identification and Password Security starts at your device. 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 personally identifiable 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 device and TCU, making it difficult for anyone to access your account information. Secure Access Code You need a Secure Access Code each time you log into our Internet Banking system unless you register your device for future log ins. It is delivered to you via phone call, email, or SMS Text Message. If you delete the security certificate or “cookie” that acti- vates your computer for later use, or if you log in from a new device, you will need another Secure Access Code the next time that you log in. 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. Internet 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 TCU Banking session when finished. > Do not leave your device unattended when logged into Internet Banking. > Do not use public computers or unsecured WiFi when accessing Internet Banking. > If you receive an error when logged into your Internet Banking account, report the error to a member service representative at 800.552.4745.
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General Information
Security
Please remember, we 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 TCU, please report the incident to a member service representa- tive 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 unsus- pecting 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.
For additional information on how to protect your personal information when conducting business online, visit tcunet.com/security.
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General Information
New Banking Users
1. Type tcunet.com into the address bar on your browser. 2. Go to the Internet Banking Login box on the Home Page, click Enroll . 3. This opens the Internet 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 call us during our business hours at 800.552.4745. 4. A new browser window will open congratulating you for having successfully enrolled in Internet Banking. Make note of your temporary password, you will need it to log into Internet Banking with TCU to complete the enrollment process. Follow the Click Here link instructions to go to the Home Page again. 5. Enter your newly created Login ID and click Login . 6. Enter your temporary Password and click Login . 7. You will be directed to a page where you will select the delivery method of your Secure Access Code. This page will display the contact information on file for your account. Select either the phone, text message, or email option that will enable TCU to reach you immediately with your one-time Secure Access Code. 8. When you receive your eight-digit Secure Access Code, enter it in the access code screen and click Submit . The Secure Access Code is valid for only 15 minutes. If it expires, you must request a new one. 9. Once your access code has been accepted, you will be asked if you would like to register your device. If you register your device, you will not have to generate a new Secure Access Code when you use that device in the future. 10. Review the welcome first time user screen, which presents the Internet Banking Terms & Conditions. Please click the link to view the agreement. Please read and acknowledge that you agree to the conditions by clicking, I Accept . 11. A view-only profile screen will appear for your review. It will be grayed-out and you cannot make any changes at this point. However, please note any contact information that you would like to change in the future. Once you have accessed Internet Banking, you will be able to use the Address Change screen to make corrections. Click Submit then OK to continue. 12. Now you can change your password. Use your temporary password as your old password. For your protection, you will need to create a password that meets the stated security requirements. Click Submit . When the pop-up window appears, click OK to confirm. 13. Congratulations! You are now logged into Internet Banking with TCU.
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General Information
Current Banking Users
1. Type tcunet.com into the address bar on your browser and enter your current Login ID and click Login . If you have forgotten your Login ID, please contact us at 800.552.4745. 2. Enter your current Password . 3. You will be directed to a page displaying the contact information on file for your account. Select your preferred contact method that will enable TCU to reach you immediately with your 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. 4. When you receive your eight-digit Secure Access Code, enter it in the access code screen and click Submit again. The one-time access code is only valid for 15 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. A view-only profile screen will appear for your review. It will be grayed-out and you cannot make any changes at this point. However, please note any contact information that you would like to change in the future. Once you have accessed Internet Banking, you will be able to use the Address Change screen to make corrections. Click Submit then OK to continue. 7. You are now presented with a copy of the Internet Banking Terms and Conditions. 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 a new Secure Access Code when you use that device in the future. 9. You will then be logged into Internet Banking with TCU.
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General Information
Logging In
Once you have enrolled as a New User, follow these steps for subsequent logins.
From our website’s Internet Banking Login box 1. Enter your Login ID and Password . 2. Click Sign In .
3. Forgot your password? Simply click “Forgot Password?” and select where you would like to receive your Secure Access Code, then follow the instructions to re-establish a Password.
What is a Secure Access Code? You need a Secure Access Code each time you log into our Internet Banking system. It is delivered to you via email, phone call, or SMS Text Message. If you delete the secu- rity certificate or “cookie” that activates your computer for later use, or if you log in from a new computer or device, you will need another Secure Access Code. Should I register my device? 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 where other people could have access to the same computer, for example at a public library.
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Home
Accounts
The Home Screen will give you an overview of all of your accounts at TCU displayed in a comprehensive list with available balances conveniently in one place.
To View an Overview of Your Accounts:
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. 2. Need an action done in a hurry? On the home screen you will notice options on the upper-right corner of the page. These Quick Action options allow you to swiftly: transfer money, eStatements and open new accounts.
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Home
Account Details
It is easy to see recent and pending transactions for each account. Simply click on the account name on the TCU Internet Banking Home page. The credits appear in green, the debits appear in red and pending transactions have a light gray background.
To View Account Details:
Click on the account for which you would like detailed information. 1. The top of this screen shows you an overview of this account. 2. If you choose to Show Filters , you will be able to filter out certain transactions to view, export or print 3. To apply filters, click Export . 4. Once you have filtered the transactions that you would like to print, click Print . 5. You can also organize your view, date, description or amount by clicking the column header. 6. Looking for a specific transaction? You can also search transaction descriptions.
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Messages
Messages
Our message center allows you to communicate securely with TCU. Messages can be saved by topic for easy reference. Check here for your alerts, replies to your inquiries and secure messages from TCU.
To View Messages:
Click on Messages tab. 1. Messages are displayed at the left side of the screen. 2. Delete or reply
to a message in the upper right corner of the message.
3. Create a new message by selecting New Conversation . 4. Messages automatically expire after a certain period of time has passed. A message can be saved indefinitely by selecting this box.
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Transfers
Make a Transfer
Internet Banking enables you to transfer funds between your own TCU accounts quickly and easily.
To Transfer Funds:
Click on Transfers tab, then select Make a 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, specify the date the transfer should be made. 3. For a one-time transfer, click Transfer Funds.
You have the option to create a recurring transfer which will automatically process the transaction so that you do not have to remember to process it manually.
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Transfers
Member to Member Transfer
With the Member to Member Transfer feature, you can send money to any TCU member. You can also conveniently link another Member’s account for deposit purposes only. All you need is the member number, account number and the first three letters of the member’s last name.
To Send Money to a Member or Company:
Click on Transfer tab, then select Member to Member Transfers . 1. Choose whether you will be making a Single Transfer or whether you would like to link the account to your TCU Internet Banking. 2. For a Single Transfer, use the dropdown to choose the account you wish to with- draw funds from. 3. Enter the recipient member account information. 4. Click Submit .
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Transfers
Recent Activity
The Activity Center shows only your Internet Banking transaction activity. Depending on the type of account and access, you can review and cancel unprocessed Internet Banking transactions. Whether single or recurring transactions, view debits/credits and the status, type, amount, account and date of your online activity.
To View Unprocessed Internet Banking Transactions:
Click on Transfers tab, then select Recent Activity . 1. You can choose to view Single Transactions , Recurring Transactions , or Desposited Checks by clicking on the corresponding tab. 2. Click the > next to the transaction to view details. 3. Click Show Filters for additional search options, click the > to expand search options.
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Transfers
Add External Account
In order to transfer funds to and from an account outside TCU, you must first enroll the new external account. This will ensure the ability to make transfers to and from the outside account by integrating it into one, simple location.
To Add an External Account:
Click on Transfers tab, then select Add External Account. 1. 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 external account to show the process has been initialized. Once received, go to Verify External Account to enter the amounts and activate your external account.
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Transfers
Verify External Account
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 External Transfer Accounts:
Click on Transfers tab, then select Verify External Account . 1. Choose an account to verify using the amounts that were deposited to your account. 2. In the spaces provided, enter the amounts of the micro deposits. 3. Click Continue .
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Account Services
Add an Account
You can conveniently open a new account online whether you are a new or existing member of TCU.
To Add an Account:
Click on Account Services tab and Add an Account . 1. Select the Open an Additional Deposit Account link. 2. Follow the instructions to complete the online application.
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Account Services
Pay Bills
Securely and conveniently pay your bills online in minutes.
To Pay Bills:
Click on Account Services tab and select Pay Bills tab 1. To add the people and businesses you pay, click on Biller Setup Assistant . 2. To add a person or business, click on Pay Bills .
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Account Services
eDeposit Enrollment
Conveniently deposit your checks online or on the go with your smartphone or tablet.
To Enroll for eDeposits:
Click on Account Services tab and select eDeposit . 1. If you have not enrolled for eDeposit, simply accept the Terms & Conditions to begin using TCU eDeposit on any device..
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Account Services
eStatements
The eStatements feature is a great virtual filing system, saving paper and space in your home or office by allowing you to view and store your statements electronically.
To View Your eStatements:
Click on Account Services tab and select eStatements . 1. Select Register . 2. Enter your personal information. 3. Select Next . 4. Select which items you prefer to receive electronically and select Next 5. Click to accept the Terms and Conditions . 6. Select Finish . 7. Once registered for eStatements, simply click on the document you wish to view or View All.
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Account Services
Debit Card Rebate
Conveniently redeem your TCU Debit MasterCard® Rebate online.
To Redeem Your Debit Card Rebate:
Click on Account Services tab and select Debit Card Rebate . 1. View Redemption Available. 2. Expand the “ Click here to redeem ” section. 3. Enter the amount to redeem. 4. Select the account you wish to deposit your Rebate into. 5. Click Redeem .
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Account Services
Debit Assurance
Assure your debit card transactions are covered. Opt in for Debit Assurance.
To Get Started with Debit Assurance:
Click on Account Services tab and select Debit Assurance . 1. Select Next to Opt In/Out of Debit Assurance. 2. Select the Account you wish to Opt In/Out. 3. Select your Opt In/Out preference from the dropdown. 4. Click to accept the Terms and Conditions. 5. Select Next . 6. Confirm your preference was successfully submitted to TCU.
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Account Services
Everyday Savings
Saving money is easy with TCU Everyday Savings. Each time you use your Debit MasterCard® for purchases, we’ll round up the amount and transfer the difference into your savings account.
To Get Started with Everyday Savings:
Click on Account Services Tab and select Everyday Savings . 1. Select the account you would like the savings deposited into (the Destination Account). 2. Accept the Terms & Conditions. 3. Click Next .
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Account Services
Loan Holiday
Trying to save for something special or catch up on some bills? Take a break from your loan payment by skipping your payment until later for a small $25 fee.
To Schedule a Loan Holiday:
Click on Account Services Tab and select Loan Holiday . 1. Click Schedule to select the loan you wish to schedule the holiday. 2. Use the drop down to select the month and year.
3. Select the Starting Date and Ending Date to block your automatic payments. If you do not have automatic payments - please select the day before your payment is due. Please Note: If you have scheduled the payments as a recurring transfer in within the Transfer tab in Internet Banking, we are unable to stop the transfer for you. Please visit the Transfer tab to stop the transfer from occurring. 4. Select Next .
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Account Services
Stop Payment
Place a stop payment on a check.
To Initiate a Stop Payment Request:
Click on the Account Services tab and select Stop Payment . 1. Select request type; single or multiple checks. 2. Select an account, check number, and select save. 3. Enter the payee name and select set. 4. Enter the check amount and select save. 5. Select the date the check was written. 6. Enter a description and select set. 7. Click Send Request .
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Account Services
Address Change
You can change your address information for one or more of your accounts.
To Make Address Changes:
Select Account Services and click Address Change . 1. Make any address changes you wish. 2. Select the account(s) you would like changes to apply. 3. Click Submit .
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Account Services
Check Reorder
With Internet Banking, you can conveniently reorder checks online.
If you notice that you are missing checks, please contact us right away so that we can take precautions to safeguard against identity theft and fraud.
To Reorder Checks:
Click on the Account Services tab and select Check Reorder . 1. Enter your routing and transit number. 2. Enter your member number. 3. Follow the simple steps to complete your order.
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Account Services
My Money Manager
Simplify your finances and see all of your accounts in one place.
My Money Manager:
Click on the Account Services tab and select My Money Manager . 1. Click Add An Account . 2. Follow the instructions to add your accounts and manage your money with this simple tool.
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Loan Services
Credit Card Services
Add your TCU Credit Card information into Internet Banking so you can view recent transactions, make payments, view payment history, and much more..
Credit Card Services:
Click on Loan Services tab and select Credit Card Services . 1. If you have not registered your Credit Card within TCU Internet Banking, simply enter your Credit Card information to register your card. 2. Select Submit .
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Loan Services
Apply for Credit Card
Apply for a TCU Credit Card .
To Apply for Credit Card:
Click on Loan Services tab and select Apply for Credit Card . 1. Select the Apply for a Credit Card link.. 2. Follow the instructions to complete the online application.
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Loan Services
Mortgage Services
Apply for a mortgage, contact a TCU Mortgage Representative, check rates and check out our valuable mortgage resources.
Mortgage Services:
Click on the Loan Services tab and select Mortgage Services . 1. If you wish to apply for a new Mortgage loan, a. Select Apply Now . b. Complete the application process. c. Submit your application to TCU Mortgage. 2. If you would like to finish and submit an application you previously started, a. Select Finish Applying . b. Enter your User ID and Password .
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Locations
Branches and ATMs
Looking for the branch location or ATM nearest to you? You can click on the appropri- ate button to locate TCU’s branches and, ATMs as well as Shared Service Centers.
COMING SOON.
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Settings
Alerts
You can create and manage alerts to remind you of important dates, warn you about the status of your accounts or notify you when certain transactions occur. When you create an alert, you specify the conditions that trigger the alert as well as the delivery option to receive that alert. All alerts will automatically be sent to your Internet Banking account via Secure Messages, regardless of the additional delivery preferences you have chosen.
To Edit Alert Delivery Preferences: You can edit specific Account, History, and Transaction alert preferences found in Alerts under the Settings menu .
Delivery preferences include: •
Secure Message within Internet Banking
• •
Phone Call
SMS Text Message
To Set Up Alerts:
Click on the Settings tab and select Alerts . 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 side of the alert boxes.
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Settings
Text Banking
Enable and authorize Text Banking for your mobile devices.
To Enroll in Text Banking
Click on the Settings tab and select Text Banking . 1. 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.
To enable your accounts for TCU Text Alerts, simply follow the steps to set up Your Account and Alert Preferences outlined in this guide.
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Settings
Account Preferences
You have the ability to customize your Internet Banking account preferences by creating nicknames and determining the order in which your accounts are displayed on TCU Internet Banking or within Text Banking.
To Create Your Account Preferences:
Click on the Settings tab and select Account Preferences . 1. Select Online or Text field. 2. Enter the new account nickname. 3. Enter the order in which you would like your accounts to appear. 4. Click Submit when finished.
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Settings
Security Preferences
In Security Preferences, you can change your security preferences to ensure your account is secure.
To Set Up or Change Your Security Preferences: Click on the Security Preferences tab.
Security Preferences Select each field and input your information.
Password When changing your
password, make sure you follow the guidelines for creating a strong password.
Login ID Be sure to create a login that you will remember, but that is not too recognizable.
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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Settings
Themes
In our Themes tab, you can change the way your Internet Banking appears. It is as simple as clicking the sample screen.
To Change Your Theme:
Click on the Settings tab and select Themes . 1. Simply click on the theme you prefer.
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Help
Online Guides & Demos
We offer several options in case you have questions or need additional support for Internet Banking. You can quickly reach us by sending a secure email or calling us. Additionally, we have an extensive video library and an online Internet Banking guide.
Choose Help:
Click on the Help tab and select from the options. . 1. Online Guides and Demos. 2. Send a Message. 3. Call us.
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Log Off
Logging Off
To Log Off:
Logging Off 1. Simply click Log Off from any screen to securely end your TCU Internet Banking session.
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