Mobile Banking Frequently Asked Questions

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1 Mobile Banking Frequently Asked Questions What types of Mobile Banking does Midwest BankCentre offer? We offer three types of Mobile Banking: Mobile Apps allows you to easily connect to Midwest BankCentre via an app designed for your iphone, ipad or Android device. Mobile Browser Banking allows you to connect to Midwest BankCentre via our enhanced mobile site via a dedicated and direct URL. Text Banking is a quick and easy way to get very basic account information such as balances and account history by sending short text messages to a dedicated mobile number. Can I enroll in all three types of Mobile Banking? Yes; you can enroll in one or all three forms of Mobile Banking. What type of mobile device can I use to access my account information through Mobile Banking? Mobile Banking works with any web-enabled mobile device, such as a smartphone, whose network allows secure, encrypted SSL (secure sockets layer) traffic and is enabled to receive text messaging. Do I have to be enrolled in Online Banking? Yes for security purposes, in order to enroll in Mobile Banking, you must first enroll in Online Banking, and then you will be able to enroll in Mobile Banking while logged in to Online Banking. Is there a charge for Mobile Banking? Midwest BankCentre currently does not charge for Mobile Banking. Data fees and/or text message fees may apply it depends on the plan you have with your wireless provider. Please check with provider for details. What accounts are eligible? Any account that you can access via Online Banking can be eligible for Mobile Banking. This means you can have your Checking, Savings, Certificate of Deposit, IRA, Loan and Line of Credit account information available at your fingertips! Do I have to have all my accounts available in Mobile Banking? No. When you enroll in Mobile Banking, you will be asked to authorize the accounts that you wish to see in Mobile Banking. You do not have to make all accounts available on your mobile phone. What features does Mobile Banking offer? Mobile Banking has the following features: Via the My Accounts icon, you can view balances for all accounts which you have selected to view in Online Banking. You can then select one of your enrolled accounts to see the account transaction history. Via the Transfer Icon, you can transfer funds between Midwest BankCentre accounts you have selected to view in Mobile Banking.

2 Via the Pay Bills icon you can make a payment to one of your existing payees. Note you must already be enrolled in Bill Pay through Online Banking to have access in Mobile Banking. Click on the Alerts icon to view the account alerts (such as low balance alerts) you have previously set up in Online Banking. Click on the Locations icon to obtain information on our locations. Will I use my Online Banking credentials to sign into Mobile Banking? Yes, you will use your existing Online Banking Sign-on ID and Password. Keep in mind you may be prompted to answer your pre-selected Security Questions or to verify your Personal Image (when using Browser Banking). Can I view my monthly statement via Mobile Banking? No; limited transaction history is available via the My Accounts icon. How many days of history can I have displayed in Mobile Banking? The number of days of history in Mobile Banking is determined by the number of days of history you have selected in Online Banking. When using Browser Banking, can I use my browser s back button? It is recommended you only use the Menu bar to navigate inside the Browser Banking product. This helps to ensure your transactions follow the appropriate flow and are completed accurately. What kind of security does the system use? Midwest BankCentre employs the latest in security features for Online Banking and Mobile Banking, including but not limited to: Automatic timeout of session if idle No storage of login IDs or passwords Challenge questions for enhanced authentication SSL (secure socket layer) protection of all mobile sessions Personal Image verification (for Browser Banking) Tell me a little more about the security of Mobile Banking. Account data is not stored on your device. Text messages do not contain personal financial information. Our app uses SSL and the same security standards as Online Banking. You should always secure your phone from unauthorized users. What if something is not working properly? Please call us at (314) or (800) during normal banking hours, or send an to support@midwestbankcentre.com. Will a Mobile Banking session time out? Yes; as an added layer of security, your session will time out after 10 minutes of inactivity. You will receive an onscreen message warning you that your session is about to expire and you can elect to continue with the session or log out. If you do not respond to this on-screen message, your session will automatically close after 10 minutes.

3 What should I do if I lose my mobile device? If your mobile device is lost or stolen, immediately contact your mobile device carrier. Be sure to monitor your accounts via Online Banking. You should contact us immediately so that we can remove your Mobile Banking access as an added precaution. Please contact us at (314) or (800) Can I enroll more than one phone? Each Online Banking user may only enroll one phone for Mobile Banking. What should I do if I change my mobile number or service provider? First, log in to Online Banking using your PC. Then, select the 'Options' tab, and you will see the Mobile Settings tab; select the Web Mobile Settings sub-tab. You can now enter your new mobile number and/or wireless provider. If you are also enrolled in Text Banking, you will change your phone number via the Text Mobile settings sub-tab. If I don t use a smartphone, can I still use Mobile Banking? Yes, but only certain functions are available. Text Banking is the best product for you if you do not have a smartphone. What are the Text Commands I can use if I select Text Banking? If you enroll in Text Banking, you will be able to send Text Commands. Text Commands are short text messages you send from your mobile device in order to receive account information. For example, you may request your account balance or account activity information anytime from your cell phone simply by texting the following codes to 89549: Bal = Will return the balances for all enrolled accounts Bal Acct Name = Will return the balance for the account requested Hist = Will return a brief list of history for all enrolled accounts Hist Acct name = Will return a brief list of history for the account requested Help = Will return the list of commands you can perform Stop = Send this command if you wish to cancel the text banking service How does the Pay Bills function work? To view the Pay Bills icon in Mobile Banking, you must already be an established Bill Payment user. For security purposes, the Pay Bills function will only initiate payments to payees that have already been established in Online Banking. Will I receive confirmation of a payment made in Mobile Banking? Yes; you will receive an onscreen confirmation which will provide the Confirmation Number, Payee, Pay From Account, Amount and the Deliver By date. You will also receive a text message to confirm the payment. What if I need to make a change to a bill payment? As long as the payment has not yet processed from your selected account, you would log into Online Banking/Bill Pay and perform the edit or cancel the payment.

4 Mobile Deposit - Frequently Asked Questions What is Mobile Deposit? Mobile Deposit is a safe and secure way to make a deposit to your Midwest BankCentre checking or savings account from your mobile phone anytime, anywhere. Mobile Deposit will save you a trip to the bank! Mobile Deposit is available to qualified customers who have applied for and been approved for this service. To use Mobile Deposit, you must be an iphone or Android user and enrolled in Online Banking and Mobile Banking. What kind of device can I use? Any Android smartphone, iphone, or ipad can be used with Mobile Deposit. Who is eligible to use Mobile Deposit? Customers interested in Mobile Deposit must apply for this service. You must have Online Banking and Mobile Banking before you can apply for Mobile Deposit. Is there a fee to use Mobile Deposit? Currently, we do not assess a fee to utilize Mobile Deposit. Keep in mind, however, standard data/text message rates may apply from your cellular provider. How can I start using Mobile Deposit? Visit our website at and then click on the Personal Tab and select the Mobile Banking link within Online Tools. Here you will find the Mobile Deposit Application and Agreement; provide the required information; read and accept the Mobile Deposit Agreement and click submit. We will reach you via the address associated with your Online Banking account within two business days with a response to your application. My application for Mobile Deposit has been approved; how do I use it? Simply log in to our Mobile Banking App then choose the Mobile Deposit icon. Using the camera on your phone, you will be prompted to take a picture of the front and back of the check, enter the dollar amount to deposit and choose the account where you want it deposited; click on Deposit and that s it! You will receive an onscreen confirmation of your deposit. When will I have access to the funds deposited? If the deposit is submitted before 7 pm CST, you generally will have access to use those funds the next business day. A Business Day is any weekday except for a bank holiday. Funds from your deposit may not be available for immediate withdrawal. Depending on the type of check deposited, funds may not be available until the second business day after your deposit or may be delayed for a longer period of time under certain circumstances. If these circumstances apply, we will notify you in writing if we delay withdrawal for any reason. Will I be able to see my mobile deposit in Online Banking? Your Mobile Deposit will not show in Online Banking until after nightly processing. However, you will be able to see your mobile deposit by clicking on Review Deposit within the Mobile Deposit icon of your Midwest BankCentre Mobile Banking App.

5 What types of accounts can receive a mobile deposit? Deposit into any checking, savings or money market account tied to your Online Banking account and that you have elected to have available in Mobile Banking. Is there a limit to the number and dollar amount of checks I can deposit? Yes, we have set daily and monthly deposit limitations per Mobile Deposit user. You may deposit up to 5 checks per day for a total of $1,500; for the month, you may deposit no more than 20 checks for a total of $5,000. What should I do with the paper check after depositing? Securely store the paper check for 60 days after the date of deposit. After the 60 days, please shred the check. What happens if there is a problem with the picture of the check to deposit? The system will detect if there is an issue with the picture of the front or back of your check; you will receive an onscreen message if an issue is detected. Why is my check image being rejected? If the system is not able to detect a clear image, it will reject your photos. For the best results, lay your check on a flat, dark surface with adequate lighting. Hold the camera steady and make sure all four corners of the check are captured. Should I endorse the check before depositing? Yes, the check must be endorsed for the deposit to be accepted. What if I no longer want to use Mobile Deposit? We hope you will enjoy the convenience of Mobile Deposit, but if you find it no longer fits your needs, simply contact us at (314) or (800) and we will cancel the product. Can I add or remove an account from Mobile Deposit? Yes; keep in mind that you can opt to have any account in Mobile Deposit but the account must first be available in Online Banking and you must have selected it via the Options/Web Mobile Settings tab in Online Banking. How will I know if there was a problem with my mobile deposit? You will receive an notification indicating if there is a problem with your deposited item. You will receive two types of notification that your deposit has been successful. First, a pop-up window will appear confirming your transaction. You will also receive an confirming your transaction. Mobile Deposit s will be sent from mobiledeposit@midwestbankcentre.com. Important Note: If you do not receive an confirming your transaction you should check your SPAM folder and take steps to ensure that future s from this address are not blocked.

6 What types of checks are not eligible for Mobile Deposit? Checks must be made payable to only you. Checks must not be drawn on an international bank or payable in a foreign currency. Checks must not be altered on the front of the check in any way. Checks must have an authorized signature. Checks must not be dated more than six months prior to the date of deposit. Checks must not have previously been returned as stop payment or account closed. Android is a trademark of Google Inc. Apple, iphone and ipad are trademarks of Apple Inc., registered in the U.S. and other countries.