Your Online & Mobile Banking Guide

Transcription

1 Your Online & Mobile Banking Guide 1 Online Banking Mobile Banking Mobile Deposit

2 Contents Online Banking 3 Options 7 estatements 8 Bill Pay 10 Alerts 11 Mobile Banking 12 Mobile Deposit 15 Frequently Asked Questions 16 2

3 Online Banking Two Ways to Enroll Self-Enroll Visit and click New Enrollment in the Online Banking Sign-In box, and: 1. Accept the Terms and Conditions 2. Enter the requested information 3. Click Send verification* 4. Open the you receive and click on the link* 5. Make note of your temporary 12-digit User ID (you ll be able to change this later!) *Please note that the enrollment process must be completed within the same browser session and on the same computer within one hour. Or, call Customer Service at (256) for assistance. First Southern Online & Mobile Banking Guide 3

4 Your Online Banking My Web Teller Page At firstsouthern.com go to the Online Banking Sign-In box to enter your temporary 12-digit User ID and click log-in. Enter the last four digits of your Social Security number as your password, then click Submit. Now you re just six steps away from taking charge of your finances! Step One: Step Two: Step Three: Step Four: Step Five: Step Six: Change your password (required) Change your User ID (optional) Select a personal image Select and answer three security questions Enable password reset option in your Options tab Select Mobile Setting under your Options tab to enter a mobile phone number to receive important security verification codes via text (this additional security measure will be used in the setup of other Online Banking features to verify your identity). When you have completed these steps return to your Online Banking My Web Teller page to get started. 4

5 Your Online Banking My Web Teller Page This page provides a convenient, configurable financial snapshot. Customizable page/widget layout Quick access to accounts Customizable widget content Secure messages and alerts at a glance Helpful tips and resources First Southern Online & Mobile Banking Guide 5

6 Your Online Banking Accounts Page The Accounts page offers several account management options which are easily accessible using the Select Option drop-down menu or by clicking on the account name. From this page you can: View transaction details Choose number of transactions displayed Search by account, date range, amount, check number, debits or credits Transfer funds View check and deposit images Download transactions to financial management software or a spreadsheet View statements Initiate stop payments Sort columns to customize view Select the option you need 6

7 Options Customize your Online Banking experience by clicking on the Settings tab, where you ll find the following options: Personal Change your address Change your password reset question & answer Customize your personal authentication image Change your Online Banking User ID Change your password Account Assign nicknames to your accounts Display Set defaults for displaying account information and confirmation options Assign Account Nicknames to appear in your Online Banking screens First Southern Online & Mobile Banking Guide 7

8 estatements and enotices estatements and enotices are environmentally friendly, safe, secure and accessible. If you d prefer to receive your account statements and notices electronically, click on the estatement tab within Online Banking to start the enrollment process. Enrollment Process (continued on next page) Step One: Step Two: Click Details to see which accounts and document types you can enroll. Remove the check boxes from any documents you wish to receive on paper. Make sure your address is correct. If not correct, please update in the space provided. Step Three: Enter a word or words that you will recognize. This is called your estatement security phrase. s from us regarding estatements will contain this phrase. Step Four: This step is your key to knowing if you ll be able to read estatements online. You must have Adobe Reader 6.0 or higher installed on your computer. To see the passcode, click on the link provided. In the center of the PDF you will see a passcode word. This word is case-sensitive. Make a note of the passcode. Return to the enrollment screen and type the passcode into the field provided. After enrollement, you will no longer need the passcode from this step. 8

9 estatements and enotices Enrollment Process (continued) Step Five: Read our Terms and Conditions and check the box that reads I agree. Finish by clicking the submit button. To see a sample statement, click the link in the lower right hand corner of the page. You ll soon receive an from First Southern Bank confirming your enrollment. When your statements are ready or you have a notice available, we ll send you an containing your security phrase and a message that your document is ready for viewing. We ll store up to 18 months of statements and notices for your easy access and management. First Southern Online & Mobile Banking Guide 9

10 Bill Pay Pay bills quickly and easily with Bill Pay. No need to spend time writing checks and stamping envelopes. With Online Banking with Bill Pay, it only takes a few minutes and a click of the mouse to conveniently pay your bills. To sign up, log in to your online banking account at Then click the Bill Pay link to access the enrollment form or call us at You can also find helpful links in our Bill Pay section of our website to watch our demos for a Bill Pay overview, to schedule a payment, or learn how to pay a person (P2P). 10

11 Alerts Keep tabs on your finances with handy Online Banking alerts! On the Options tab, click Alerts. From here you can schedule your own customized alerts for: Events like incoming direct deposits, funds transfer information or statement notifications Balance so you ll know when an account reaches a certain threshold Items including cleared checks Personal reminders of important dates like upcoming birthdays and anniversaries. For each alert choose to be notified by , via text message, or upon login to Online Banking by checking the , Text or Login boxes. Alerts can be sent to any valid address. You can easily add or edit alerts First Southern Online & Mobile Banking Guide 11

12 Mobile Banking First Southern Mobile Banking is fast, flexible and full of features designed for your on-the-go lifestyle. Optimized for your iphone or Android smart phones and your ipad tablet, Mobile Banking with our app or your device s browser offers security and convenience at your fingertips. If your mobile phone or ipad doesn t have Internet access, you can still access your accounts via Text Banking. Features View account balances View transaction history View alerts Pay bills Pay Individuals (P2P) Transfer funds between accounts Find a First Southern Bank location near you Just download the free First Southern Bank app from itunes or Google Play or visit firstsouthern.com on your mobile browser! Remember that your wireless provider s web access charges may apply. 12

13 Mobile Banking Enrollment for Browser and Text: Log in to Online Banking, and select the Options tab Select Mobile Settings Select Web Mobile Settings or Text Mobile Settings Click to enable web or text access on your mobile device Select to receive/not receive text message alerts for web banking* Enter your mobile number Select your wireless provider Select the accounts you d like to access on your mobile device For text banking create mobile short names for each selected acct. Click Submit Review your information and accept the Terms and Conditions Click Confirm to see instructions on completing the enrollment process *Charges and Fees may apply fom your cellular provider. First Southern Online & Mobile Banking Guide 13

14 List of Text Commands for Text Banking Text the following command to 89549: BAL BAL + Acct. Short Name (example: BAL SAV) HIST HIST + Acct. Short Name (example: HIST SAV) HELP STOP To receive the following information via text: Balances for all eligible accounts Balance for the selected account Last four transactions posted in the last 15 days to all eligible accounts Last four transactions posted in the last 15 days to the selected account List of all commands Disables Enrollment For more information on First Southern Bank s Online Banking services, visit firstsouthern.com for Frequently Asked Questions and helpful demo videos. 14

15 Mobile Deposit With Mobile Deposit, you can deposit checks using the camera on your iphone or Android phone! It s easy to make a Mobile Deposit! 1. Log in to Mobile Banking using the First Southern Bank app on your mobile phone or tablet 2. Select the Deposits icon 3. Accept Terms & Conditions/Enroll 4. Select Deposit a Check. 5. Tap Check Front to snap a photo of the front of your check using your device camera, then select Use if the photo is successful 6. Repeat this process using Check Back to capture the image of the back of your endorsed check. Checks must be endorsed For Mobile Deposit Only. 7. Enter the check amount and select the account for deposit 8. Select Deposit and you re done!** *Funds typically will be available on the next business day for Mobile Deposits made prior to 5:00p.m. First Southern Online & Mobile Banking Guide 15

16 Frequently Asked Questions: What is Mobile Banking? Mobile Banking is a free service that allows you to access your account information, transfer funds and pay bills with your mobile device. It works with any web enabled mobile phone device whose network allows SSL traffic. What functions can I perform from my mobile device? Locate branch offices View Transaction History View Account Balances Transfer Funds between your First Southern Bank accounts Pay Bills to existing Payees including individuals View Alerts View Statements Make a Check Deposit How do I enroll in Mobile Banking? If you are currently enrolled in First Southern Bank s Online Banking, simply download the First Southern Bank Mobile Banking App from the iphone App Store or Android Market. If you are a first time user of our Online Banking service or are in the midst of a password change, you must enroll for Mobile Banking via a personal computer rather than your mobile device. Can I use any mobile device to access my accounts? Yes. You can use any mobile device that is web-enabled and allows secure SSL traffic. However, SMS text messages will be sent to the mobile device number registered in WebTeller. 16

17 Frequently Asked Questions: Do I use the same user ID and password as WebTeller? Yes, use the same user ID and password as you do for traditional WebTeller via your personal computer.you can also use your fingerprint to sign in if your phone allows this feature. Are there fees for the Mobile Banking service? No, it is free for all of our personal and business customers. Does First Southern Bank have an IPhone or Android App? Yes! You can download our app at the iphone App Store or Android Market by searching for First Southern Bank. Can I schedule recurring transfers and bill payments using Mobile Banking? Yes, however, only one time, immediate transfers and bill payments may be entered. Recurring transfers and recurring bill payments must be entered via the traditional WebTeller on your personal computer. How late in the day can I make transfers? Transfers can be made at any time. However, please note the transfer cut-off time is 6 p.m. CST during regular banking days, which excludes weekends and holidays. (A list of our observed holidays is available by contacting us.) Any transfer made after 6 p.m. CST will be processed on the next business day. First Southern Online & Mobile Banking Guide 17

18 Frequently Asked Questions: How do I know if my transfer or bill payment was entered successfully? If you have selected to receive text alerts, each time you make a transfer or bill payment, a confirmation SMS text message will be sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through via traditional WebTeller. Mobile phone carrier text message fees may apply. How do I add a new Bill Payment payee? New payees can only be added through your personal computer via our traditional WebTeller. Mobile functionality is limited to sending payments to already established payees. Once payee is established on traditional WebTeller, you can submit one time payments to that payee via your mobile device. How do I delete a Bill Payment that I set up through my mobile device? You must log in to the traditional WebTeller via your personal computer and delete the payment from the Main Menu of the Bill Pay module. When I try to enter an amount for a bill payment or transfer, I can t enter any numbers, only letters. Why? Check your phone s settings to make sure you don t have Alpha-only enabled on the keypad. How do I securely end my Mobile Banking browser session? Select the Logout link to logout of Mobile Banking, then close your browser through your mobile device browsing options. Closing your browser will securely end your Mobile Banking login session. 18

19 Frequently Asked Questions: What if I can t get my mobile device to work with Internet Banking? There are a number of reasons that you may experience trouble accessing the mobile version of internet banking on your phone. You must first enroll in First Southern Bank s Mobile Banking before you can gain access. These steps were discussed previously. In addition, to use the mobile version of WebTeller, your phone needs to meet the following minimum requirements: 1. Your mobile device must be web enabled. 2. Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.) What happens if I lose communication/signal during a transaction? When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) and you have selected to receive text alerts, you will receive an SMS text message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process. What happens if I lose my mobile device? Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings via traditional WebTeller through your personal computer and make any changes to the wireless provider and/or phone number. For security measures, you should never save your passwords in your mobile device. First Southern Online & Mobile Banking Guide 19

20 Frequently Asked Questions: What do I need to do if I get a new phone? If you simply get a new phone but keep the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your WebTeller account via your personal computer and update your information on the Options > Mobile Settings page. You will not receive SMS text messages regarding Mobile Banking transactions if your phone number is not correct. What if I no longer want to be a mobile user? Log in to your WebTeller account via your personal computer and select Options, then click Mobile Settings and Deselect - Activate Mobile Banking Access, then click Agree. Is it safe to use Wi-Fi? When using a personal computer to perform sensitive searches/transactions such as checking your account balance, making a payment, etc. we do not recommend using the free Wi-Fi in a coffee shop or other access points. Use your password protected Wi-Fi at home to safeguard your account. 20