AltaOne Online Banking Business Member User Guide

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ONLINE BANKING BUSINESS MEMBER USER GUIDE

Published by Murphy & Company, Inc. 13610 Barrett Office Dr.

St. Louis, MO 63021 www.mcompany.com

© 2009-2016 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 is a registered trademark of Adobe Systems, Inc. in the United States and/or other countries. © 2012 Portions of this guide were written by Q2 eBanking. Disclaimer Concepts, strategies, and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author/publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental, or other damages. For complete product and service information, please refer to the terms, conditions, and disclosures for each product and service.

Welcome

At AltaOne, we work hard to provide our members with the financial tools they need to achieve the goals in life that matter. One of those important tools is Online Banking. Our Online Banking system is designed with the user in mind. Whether you access it from your desktop, tablet, or smart phone, it looks and functions the same across all devices. It is 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 with AltaOne.

Table of Contents

General Information Security...............................................................................4 New Enrollment.................................................................8 Current Users...................................................................10 Logging In.........................................................................11 Home................................................................................12 Account Details................................................................14 Messages..........................................................................16 Transactions Funds Transfer.................................................................17 Member to Member Transfer........................................19 People Pay........................................................................21 Online Activity Center.....................................................22 Add an External Account................................................24 Verify an External Account.............................................26 Order Checks...................................................................28 Bill Pay Quick View .......................................................................29 Create a Payee.................................................................31 Make a Manual Payment................................................33 Search Bill Pay..................................................................35 Edit or Cancel Pending Transactions............................36

Table of Contents

Commercial Add a User........................................................................37 Edit User...........................................................................39 Add a User/Adding Rights..............................................41 Adding Recipients............................................................43 Edit or Delete a Recipient...............................................45 Template Overview.........................................................47 Create a Template...........................................................48 ACH Pass Thru.................................................................54 Services Stop Check Payment.......................................................56 e-Statements....................................................................58 Update Your Contact Info...............................................59 Personal Financial Manager...........................................60 Mobile Deposits...............................................................61 Settings Account Preferences.......................................................62 Security Preferences.......................................................63 Alerts.................................................................................64 Security Alerts..................................................................66 Text Enrollment...............................................................68 Display Options. ..............................................................70 Locations Locations and ATMs.......................................................71

General Information

Security

By following our tips, Online Banking with AltaOne is a safe and efficient method for handling your banking needs. For additional security tips, visit altaone.org. User Identification and Password Security starts at your computer. Never share your Login ID or password with anyone, and always keep your login information in a safe place. 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 of securing internet transactions. This technology scrambles data as it travels between your computer and AltaOne, 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 Online Banking with AltaOne for the first time or the first time from any unregistered device. This code is delivered to you via email, phone call, or SMS text message. You can opt to register your device so that you do not have to complete the Secure Access Code process the next time that you access AltaOne’s Online Banking system from that same device. If you delete the security certificate or “cookie” that recognizes your device as previously registered, you will need to request another Secure Access Code.

General Information

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 computer unattended when logged in to Online Banking. • Do not access Online Banking on public computers or unsecured Wifi networks. • If you receive an error when logged in to your account, report the error to a member service representative at 800-433-9727. Security

General Information

Security

AltaOne 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 AltaOne, please report the incident to a member 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 Login IDs 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 computer. Additionally, AltaOne will log you off automatically due to inactivity or when your AltaOne session reaches the maximum time limit.

General Information

Security

Fraud Prevention Tips: • Do not open email attachments or click on links 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.

General Information

New Enrollment

1. Type altaone.org into the address bar on your browser, and 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. The details that you provide are verified by comparing them 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 800-433-9727. 3. A new browser window will open congratulating you for successfully enrolling in Online Banking. 4. You will then be directed to a page where you will select the delivery method of your Secure Access Code. This page displays the contact information on file for your account. Select either the phone, text message, or email option that enables AltaOne to reach you immediately with your one-time Secure Access Code. If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact us at 800-433-9727 to update your contact information. 5. When you receive your six-digit Secure Access Code, enter it on the access code screen, and then click Submit . This one-time access code is valid for only fifteen minutes. If it expires before you use it, you must request a new one. If you close the login screen and then receive the code, follow the above steps again but instead select “ I already have a Secure Access Code .” 6. Once your code is accepted, you will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future. 7. Review the Welcome First Time User screen, which presents a PDF link to the Online Banking Services Agreement. Click the link to view the agreement, and read and acknowledge that you agree to the conditions by clicking I Accept . 8. A view-only online profile screen will appear for you to review. It will be grayed-out, and you cannot make any changes at this point. However, note any contact information that you would like to change in the future. Once you access Online Banking, you can to use the Update Your Contact Info screen to make corrections. Click Submit then OK to continue.

General Information New Enrollment

9. You can now create your password. For your protection, you need to create a password that meets the stated security criteria. When finished, click Submit . When the pop-up window appears, click OK to confirm. 10. Congratulations! You are now logged in to Online Banking with AltaOne.

General Information

Current Users

1. Type altaone.org into the address bar on your browser, and go to the Online Banking login box on the Home Page, enter your user name and password and click Login . If you have forgotten your Login ID, please contact us at 800-433-9727. 2. You will then 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 AltaOne to reach you immediately with your one-time Secure Access Code, then click Submit . If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact us at 800-433-9727 to update your contact information. 3. When you receive your six-digit Secure Access Code, enter it in the access code screen, then click Submit . The one-time access code is only valid for fifteen minutes. If it expires before you can use it, you must request a new one. If you happen to close the login screen and then receive the code, follow the above steps again but instead select “ I already have a Secure Access Code .” 4. Once your code is accepted, you will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future. 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 online profile screen will appear for you to review. It will be grayed-out, and you cannot make any changes at this point. However, note any contact information that you would like to change in the future. Once you have accessed Online Banking, you will be able to use the Update Your Contact Info screen to make corrections. Click Submit , then OK to continue. 7. You will then be presented with a copy of the Online Banking Services Agreement. Read and acknowledge that you agree to the conditions by clicking I Accept . 8. Congratulations! You are now logged in to Online Banking with AltaOne.

General Information

Logging In

Once you enroll as a New User and log in to Online Banking at least once, follow these steps for subsequent logins.

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1. From AltaOne’s Online Banking login box, enter your Login ID and Password . Click Log In . 2. If you don’t remember your password, simply enter your Login ID , leave the Password field blank, and click on the “ Forgot Password? ” option. Should I register my device? If this device is a “private” device where you have exclusive access, you may want to register your device so it is recognized during future logins to save time. We do not recommend registering a public device, such as one at a public library, where other people have access to the same computer. Logging Off As a secure practice, you should log off of your Online Banking session before you close the browser window or anytime before walking away from your computer. Additionally, AltaOne will log you off automatically due to inactivity or when your Online Banking session reaches the maximum time limit.

General Information

Home

The Home Page gives you an overview of available balances.

To View an Overview of Your Accounts:

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General Information

Home

1. For account transaction history, click the account name to view the Account Details screen. From here you can view transaction details by clicking the transaction. 2. Click the Edit button, and you will be directed to Account Preferences where you can modify the nicknames of accounts and the order in which they appear. The Print button will print a quick summary of your current available funds in all accounts. 3. If you are in a hurry, there is an option for easy access tools in the top right corner. These Quick Action options allow you to swiftly transfer money.

General Information

Account Details

To View Account Details:

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General Information

Account Details

From your Home Page , click on an account for more information. 1. For account transaction history, click the account name to view the Account Details screen. You can view transaction details by clicking that transaction. 2. If you click on the description of a specific transaction, you will see more details of that transaction. You can then get more information, like the image of a check, by clicking a single element. 3. You can choose to print only this transaction or click “ Ask about transaction ” to send a secure message to AltaOne. 4. If you choose to Show Filters , you can sort out particular transactions to view, export, or print. 5. Once you’ve made your selections, click Apply Filters . 6. Click the icon to print your filtered transactions. 7. When working from your computer, you can also Export a list of transactions.

Messages

The Message Center allows you to communicate securely with your credit union. Check here for alerts, replies to your inquiries, and credit union communications. To View Messages:

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Click on Messages . 1. Messages are listed on the left side of the screen. Click the message that you would like to read, and the entire message will appear on the right. 2. If you would like to delete a message, click the icon, or you can reply to a message by clicking the icon. Both icons are located in the upper right corner of a message. 3. Create a new message by selecting New Conversation . 4. Messages automatically expire after six months. A message can be saved indefinitely by clicking the check box by “ This message should never expire .”

Transactions

Funds Transfer

Online Banking enables you to quickly and easily transfer funds between your AltaOne accounts. To Transfer Funds:

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Transactions Funds Transfer

In the Transactions tab, click on Funds Transfer . 1. Select the accounts that you wish to transfer funds From and To using the drop-down menus. 2. Enter the dollar Amount and Date to process the transaction. 3. If you wish to set up a recurring transaction, click the check box “ Make this a recurring transaction .” New input fields will appear, and you will need to specify the Frequency and Date range for this transaction. You can choose to make this transaction Repeat Forever by checking the box under Frequency . 4. When you have finished entering all of the needed information, select Transfer Funds . 5. If successful, a screen with an overview of your transaction appears. All funds transfers appear in the Activity Center , whether dated immediately or for the future. You can view them at this time, or you can click Close and review them at your convenience.

You can view or cancel unprocessed transactions by accessing the Recurring Transfer tab within the Activity Center.

Note Note

Note

Transactions Member to Member Transfer

With the Member to Member Transfer feature, you can send money to any AltaOne member. You can also conveniently link to their account for deposit purposes only. To Send Money to an AltaOne Member:

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Transactions Member to Member Transfer

In the Transactions tab, click on Member to Member Transfer . 1. Choose whether you are making a Single Transfer or if you would like to Link Account for future use. 2. For a Single Transfer , use the drop-down to choose the From Account where funds will be taken out of. Enter a Description of the transfer in the provided box. 3. Enter the required information for the person you wish to receive the funds. 4. Click Submit . 5. If you would like to link this account for future use, click Link Account on the first window. Fill out the requested information, then click Submit .

Transactions

You can effortlessly send debit-to-debit card payments by using our People Pay feature. People Pay

Transactions

Online Activity Center

The Online Activity Center shows transaction activity initiated through Online Banking with AltaOne. Depending on the type of account and your accessibility, you can review, approve, and cancel unprocessed transactions. You can view the status, type, amount, date of activity, and account of debits and credits from

single and recurring transactions. To View Online Transactions:

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Transactions

In the Transactions tab, click on Activity Center . 1. You can choose to view Single Transactions , Recurring Transactions , or Deposited Checks by clicking on the appropriate tab at the top. 2. Click on a transaction to view more details. 3. Click Show Filters for additional search options. 4. Click Apply Filters when you are satisfied with your filter criteria. 5. Select Actions to perform additional functions, such as choosing Inquire to compose secure messages to AltaOne or to Copy a transaction. Online Activity Center

Transactions

Add an External Account

In order to transfer funds to an account outside of AltaOne, you must first enroll the external account to ensure your ability to make fund transfers to the outside account. To Add an External Account

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Transactions

Add an External Account

In the Transactions tab, click on Add External Account . 1. Enter your Account Number and your financial institution’s Routing Number in the spaces provided. These numbers are located at the bottom of a paper check or deposit slip from your check book. 2. Choose the Account Type from the drop-down menu. 3. Click Continue . In two to three business days, you will receive two micro- deposits in the external account to show that the process has been initialized. Once you receive those deposits, go to the Verify External Account tab to enter the amounts and activate your external account.

Transactions

Verify an External Account

Once you request to add an external account, check the history of that account and locate the two micro-deposits that have been made. You will then be asked to provide those amounts, which verifies your ability to make transfer and proves

your ownership of the outside account. To Verify an External Account:

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Transactions

In the Transactions tab, click on Verify External Account . 1. Click Submit . You will be directed to a new window. 2. Select the Account you would like to verify. 3. Enter the amounts of the micro-deposits that have been made in your external account. 4. Click Submit . Verify an External Account

Do not use decimals for the micro-deposit amount. Simply enter the number (ex. $0.84 = “84”).

Note Note

Note

Transactions

You can conveniently reorder checks through Online Banking. To Order Checks: Order Checks

In the Services tab, click on Check Reorder . 1. Choose the account you would like to reorder checks for. 2. You will then be redirected to our trusted vendor’s website to complete your order.

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.

Note Note

Note

Bill Pay Quick View

Online Bill Payment with AltaOne allows you to stay on top of your monthly finances with utmost ease and turnkey efficiency while accessing your account from a computer or smart device. Linking your bills to your AltaOne account is a neat, hassle-free alternative because you can electronically write checks and send payments in one easy place. The first time that you click the Bill Payment tab, you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions.

New Bill Pay Features: You may choose to view your payees as a List or Grid.

Grid View

List View

Bill Pay Quick View

Getting Started with Bill Pay: In the Transactions tab, click on Bill Payment to begin managing your bills online. You may also view your payees, pending payments, and bill history regarding your online account with AltaOne.

Bill Pay

Create a Payee 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 normally send a written check, such as a utility company, a cable TV provider, or even a relative. It may also be convenient to set up a payee to receive payments on a regular basis. To Create a Payee:

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Bill Pay

Create a Payee

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In the Transactions tab, click on Bill Payment. 1. Click the Advanced drop-down and choose Add a Payee . 2. Fill out the required information regarding the payee, then click Save . 3. You will get a confirmation screen that your payee has now been created and added to your payee list.

Bill Pay

Once you set up your payees, it is easy to pay your bills. When you click on the Bill Payment tab, you will see all of the existing payees you have established so far. To pay a bill, simply find your payee and fill out the payment information beside their name. To Make a Payment: Make a Manual Payment

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In the Transactions tab, click on Bill Payment. 1. Select a payee. 2. Click the Account you would like to send the payment from.

Bill Pay Make a Manual Payment

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3. Enter the Amount and the Delivery Method , and then click Save . 4. Choose the Date to complete the transaction. 5. After you verify the information, click Send Payment . 6. When you get a confirmation screen saying that your payment is scheduled, click Close .

Bill Pay

The Search Bill Pay option allows you to quickly pay bills by searching payees by name, last payment date, scheduled payment, or status. To Search Your Bill Pay History: Search Bill Pay

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In the Transactions tab, click on Bill Payment. 1. You can view Pending or Processed transactions on the right side panel. 2. You can find your previous payees in the search bar in any view. 3. In List view, you can sort by headers by simply clicking the arrow next to the desired category. 4. To see payment history for a specific payee in Grid view, select See Payment History on the bottom of each box. 5. To access additional screens, click the Advanced drop-down and then Visit Bill Pay Site .

Bill Pay

You can see all Pending and Processed transactions on the right-hand panel. To Cancel a Pending Transaction: Edit or Cancel Pending Transactions

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In the Transactions tab, click on Bill Payment. 1. You can view only Pending or Processed transactions by selecting the appropriate button on the right-hand panel. 2. You can see scheduled Pending payments marked in green under the Status header. 3. To edit payee information, like address or phone number, click the icon. 4. To cancel a pending payment, click the appropriate line item in the right- hand panel. 5. A new screen will appear. Click Cancel Payment . You will see a confirmation screen to show that this action is complete.

Commercial

Add a User

To Set Up Users: Our Online Banking system allows business owners and managers to set up multiple levels of access to their Online Banking accounts. Each user will have a unique login ID and password. If you are a larger business and think multiple accounts would be beneficial, please contact your accountant or business financial advisors to establish the business policies. Once those policies are in place, the pages in this section will help you establish and configure your Online Banking users and their individual allowances within your accounts. If you manage a small company with only one person needing an Online Banking ID and password, you can skip this section.

Note : For your convenience, several features within Online Banking have a Grid/List option in the upper-right corner. Click on both to discover which view option you prefer.

Commercial

Add a User

To Add a New User:

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In the Commercial tab, click on User Management . 1. Click the Add User button on the right-hand side of the screen. 2. Enter the new user’s personal information. Fields marked with an asterisk are required. Click Save when finished.

Commercial

Adding users and specifying their individual rights and accessible features helps create a checks and balances system within your organization or business. To Edit or Delete a User: Edit User

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In the Commercial tab, click on User Management . 1. Find the user whose rights you would like to change, then click the to edit. 2. If you wish to delete a User, click Delete . Verify by clicking Yes , and then Close when you are finished. 3. Click Assign Rights at the bottom of the screen.

icon

Commercial Edit User

4. Under the Overview tab, you can view transaction types and indicate whether you want this user to have the ability to Draft, Approve , Cancel , or View the transaction. Simply click on the check mark to disable the rights. User View: Can only view own activity. View All Transactions: Can view activity of all users. Cannot View : Cannot view activity of any user. You can set limits for the number of transactions and dollar amount a user can approve. Click on the Transaction Type name link to update user limits. 5. Under the Features tab, you can choose which features this user can access. Dark colored features indicate they are active. To deactivate a feature, simply click on it, and the box surrounding it will turn white to signify that it is now inactive. Manage Templates On • Create, edit, and delete any type of template. Manage Recipients On • Create, edit, and delete recipients. • Add or remove recipients to/from templates. 6. Under the Accounts tab, you can choose which accounts this user can View , Deposit funds to, or Withdraw funds from. 7. Click Save when finished.

Note : Approvers must have “View All Transactions” view rights enabled.

Commercial Add a User/Adding Rights

Note : If the User Management feature is assigned to a user, they can change their own rights and limits. Be sure to limit which users have this feature.

Commercial Adding Recipients

A recipient is any person or business that receives payments from your business. After a recipient is created, you can simultaneously include them in multiple payments or templates. Each entry contains the recipient’s contact and account information. To Add a Recipient:

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Commercial Adding Recipients

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In the Commercial tab, click on Recipients . 1. Click Add Recipient on the right. 2. Fill out the required information regarding the recipient. Fields marked with an asterisk are required fields. 3. Click Add Account on the right. A new tab will appear called Account New . 4. Select the Account Type, and then enter the Account and Routing Number . 5. If you plan to use this account with wire transfers, you will need to enter the Name , Country , and Postal Address . 6. Click Save Recipient when finished.

Commercial

Edit or Delete a Recipient

To Edit or Delete a Recipient:

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In the Commercial tab, click on Recipients . 1. To Delete a recipient , click

icon. Verify by clicking Delete Recipient, and

then Close when you are finished. 2. Find the recipient whose rights you would like to change, and then click the icon to edit. 3. Make the necessary changes, then click Next .

Commercial

Edit or Delete a Recipient

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4. Make the needed changes to the account details. 5. The templates section shows the particular payment templates a recipient is assigned to and how much money they will receive. 6. Use the account drop-down to change which account the funds are being taken from. 7. Click Access to look over the template. 8. When you are finished, click Save Recipient .

Commercial

Making payments within Online Banking is simple when you create templates for each type of transaction that you frequently make. Be sure to monitor who can to create or modify a template by altering user rights. Template Overview: Template Overview

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In the Commercial tab, click on Payments . 1. Templates can be viewed in either list or grid form. You can change the view by clicking List or Grid near the right-hand corner of any page in the Payments section. 2. The Last Amount that was paid and the Last Date each template was used are also listed. 3. Click the icon to edit a template. 4. Click the icon to favorite a template. 5. Click the icon to copy a template.

Commercial Create a Template

The Payments tab allows you to establish one-time or recurring payments. From here, you can create templates to automate your routine payments. The following template and payment types include a single-recipient:

• ACH Payment • Domestic Wire • ACH Receipt • International Wire The following transaction types include multiple-recipients: • ACH Batch • ACH Collection • Payroll

To Create Payments: Step One: Info and Users

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Commercial Create a Template

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In the Commercial tab, click on Payments . 1. Select an available template or create a template by choosing New Template in the upper right corner. If you choose to create a new template, type a unique name in the space provided. 2. Indicate which users will have access to this template in the Info & Users tab. Check the box next to the recipient’s name or type their name in the search bar. 3. When you have established a template name and user access, click Next .

Commercial Create a Template

Step Two: Recipient and Amount

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1. Check the box next to the recipient’s name or type their name in the search bar. 2. Enter the Amount you wish to pay the recipient. You can also include an Addendum . 3. You can also add another recipient at this point and remain within your template. Click Add Recipient , it will direct you to the Add Recipient page, and then you will conveniently return to where you were in the payment workflow. 4. Once you have selected the recipients and entered payment amounts for each, click Next .

Note : When using the ACH Template in the Recipients and Amount Step, choose whether the ACH class code is for an Individual (PPD) or Company (CCD).

Commercial Create a Template

Step Three: Subsidiary

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1. Select the Subsidiary . You can find subsidiaries by checking the box next to their name or typing it into the search bar. 2. You can also add a subsidiary at this point and remain within your template. Click Add Subsidiary . It will direct you to the Add Subsidiary page to enter their information, and then you will conveniently return to where you were in the payment workflow. 3. Click Next when finished.

Commercial

Create a Template

Step Four: Account

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1. Choose the Account you wish to withdraw from. 2. When finished, click Next .

Commercial Create a Template

Step Five: Review & Submit

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1. Select the Effective Date . 2. Review the information, and click Save 3. Depending on your user rights, select Draft or Approve .

Commercial

ACH Pass Thru

If you use a software package that can generate a file of ACH transactions, you can upload it to our website using this page. To Import ACH Transactions:

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In the Commercial tab, click on ACH Pass Thru . 1. Indicate which file you would like to import.

2. Choose the Process Date. 3. Click Submit when finished.

Commercial

Tax Payment

Never run to the local branch with a tax payment check again! Initiate a Federal or State Tax Payment through the Electronic Federal Tax Payment System (EFTPS) from your home or office up to thirty days in advance. To Initiate a Tax Payment:

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In the Commercial tab, click on Tax Payments . 1. Select Tax Authority using the drop-down menu. 2. Choose a form from the list by clicking on it. 3. Enter the required information for the payment, and then click Submit .

Services

You can initiate a Stop Check Payment request from any device through Online Banking with AltaOne. You can review the status of your request in the Activity Center. The stop payment, once confirmed, will remain in effect for six months. If you need our current fee information, please call us during our business hours at 800-433-9727 or visit the schedule of fees and charges located on altaone.org. To Initiate a Stop Payment Request: Stop Check Payment

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Services Stop Check Payment

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In the Services tab, click on Stop Payment . 1. Choose Request type, either single or multiple checks. 2. Click on each category header on the left to select an Account , enter a Check Number , Amount , and choose the Date of the check. 3. Be sure to click Save when changes are made. 4. When complete, click Send Request .

Services

The e-Statement feature is a great virtual filing system, which saves paper and space in your home or office by allowing you to view and store your statements electronically. To View Your Statements: e-Statements

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In the Services tab, click on e-Statements . 1. To verify that you are able to view a PDF on your computer or smart device, you will need to click the Get Code button. Your computer or device will prompt you to save a PDF, and then save it in an easily accessible place like your desktop or document’s folder on your computer. You can then delete this temporary file after you complete the verification process. 2. Open the PDF. You will see a short code. Type that code into the verification code field, then click Verify .

Services

Update Your Contact Info

It is important to maintain current contact information on your AltaOne account. To Update Your Contact Info:

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In the Settings tab, click on Address Change . 1. Update your contact information, including phone, email, and mailing address. 2. This does not change your secure access delivery points. To make changes to your secure delivery information, visit the Security Preferences tab and edit Secure Delivery . 3. Once you update your information, please click Submit to send us your changes.

Services

Our Personal Financial Manager tool allows you to manage your money from your Online Banking account by allowing you to view your investment, mortgage, credit card, account balances, and transactions in one place. You can easily create budgets, categorize and track spending habits, and tag your transactions to see where and how your spend your money. Personal Financial Manager

• Dashboard : You will 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 by adding targets that will help you better control expenses such as shopping or dining out. • Cashflow : View incoming and outgoing transactions on a monthly basis. • Goals : Set a personal financial goal and actively set aside money you wish to use towards that goal. • Net Worth : Sum up your assets and debts and view pie charts to see how they are allocated.

Services

Mobile Deposits

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. To Deposit a Check via Your Smartphone:

This feature is only available when using our mobile app on your mobile device. Note

Note Note

Note

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Click Menu, Select Transactions & Deposit Check. 1. Choose an Account you would like the check deposited to. 2. Enter the Check Number and Amount , then tap Capture Image . 3. You may need to allow the app access to your camera 4. Sign the back of the check, then tap Capture Front for the front side of the check and then tap Capture Back for the backside. 5. You can recapture image if needed. 6. Verify that all four corners of the check are visible and all elements are legible and then tap Submit Deposit .

Settings

In Account Preferences, you can select names and viewing preferences for your Online Banking accounts. To Set Up or Change Your Account Nicknames: Account Preferences

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In the Settings tab, click on Account Preferences . 1. For Online , you can customize your account display names and choose the viewing order preference by entering a number in the box to the right side. 2. Toggle to the Text button for Text Banking account preferences. To enroll in Text Banking, select Text Enrollment from the Settings menu option. To view an account in Text Banking, check Enabled . Customize a four character account nickname to display and choose the viewing order. 3. When you are happy with your choices, click Submit.

Settings

Security Preferences

In Security Preferences, you can change the different designations that help keep your account secure. To Set Up or Change Your Security Preferences: In the Settings tab, click on Security Preferences and choose a preference to edit.

Password When changing your password, be sure that you follow the guidelines for creating a strong password.

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

Settings

You can create and manage alerts to remind you of important dates, warn you about the status of your accounts, and tell 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 Online Banking account via Secure Messages, regardless of the additional delivery preferences you have chosen. To Edit Alert Delivery Preferences: You can create specific Date, Account, History, Transaction, and Security Alerts and edit their delivery methods. Delivery methods include: • Secure Message within Online Banking • Email • Phone Call • SMS Text Message To Set Up New Alerts: Alerts

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Settings

Alerts

In the Settings tab, click Alerts . 1. To create a new alert, click the New Alert drop-down. Choose the kind of alert that you wish to create from the drop-down. A new screen will appear where you can enter the necessary information. Be sure to click Save when you are finished. 2. To view the alerts for each category, click the category header. 3. You can easily turn an alert On/Off without deleting it by toggling the Enabled button. 4. To view or change details of an already-existing alert, choose the Edit link on the right end of the one you would like to edit. Be sure to click Save after you change any alert details.

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