Getting Started with Our Progressive Bank CONSUMER Online Banking Update

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1 Getting Started with Our Progressive Bank CONSUMER Online Banking Update October 21, 2015 MEMBER FDIC

2 FIRST TIME LOG IN -- BEGINNING 10/21/2015 When you access our new Online Banking website for the first time, you will see this new page requesting your log-in credentials. At this point, you will use your current Login ID, but you can enter anything for the password. You will establish a new password in a later step. After successfully entering the Login ID, you will be prompted to receive a Secure Access Code. The Secure Access Code is a one-time password that allows secure access to our new Online Banking. The contact information is drawn from our mainframe system. If you don t have valid contact phone numbers or addresses on file, we will need to update that information before you can proceed. After choosing where you would like to receive the Secure Access Code, you will select I have a Secure Access Code in gold. 2 P a g e

3 You will then be prompted to enter the Secure Access Code you received. Secure Access Codes are only good for 15 minutes so must be entered promptly. After entering the Secure Access Code, you will be given the option to Register the device you are accessing Online Banking from. Once you register the device, you won t have to go through the Secure Access Code steps again unless you are logging in from a computer you have not previously used to access Online Banking. NOTE: Only register a device if it s a personal or work computer, phone, or tablet. Do not register public devices, such as computers at the library or school. 3 P a g e

4 After choosing whether or not to register the device, you will be prompted to create a new password. Note: The Old Password option only appears in this screenshot because the user has previously gone through the Onboarding Process. First-time users will only have a New Password and Confirm Password prompt. After establishing a new Password, you will then automatically enter Online Banking. Helpful Tips: - Internet Explorer 9 will no longer be supported for Online Banking as of 10/21/2015. Older browsers may have security issues that could leave you vulnerable to fraudsters. For most customers, an upgrade to Internet Explorer 10 will be free and easy. If you have an older computer, both Firefox and Chrome are fully compatible and free. Links for these browsers are below: Firefox: Chrome: - If you don t have valid contact information, you won t be able to complete the Onboarding Process. Once your information has been updated in our mainframe system, it should flow immediately to the Q2 system and allow you to continue. - If you see a plain white background after logging in, or the page doesn t seem to load correctly, be sure to contact us as we may need to adjust your Online Banking settings within our system. 4 P a g e

5 QUICK TOUR of the ONLINE BANKING SYSTEM When you access our new Online Banking system, the first screen you will encounter is the Landing Page. This page is the Control Center for everything you do in Online Banking. A Navigation Bar runs along the left side of the page. Account Information is displayed in the center. And, the Quick Action Bar is on the right side of the screen. To view additional detailed account information, including balance information and transaction details, simply click on the arrow to the right of each account name. 5 P a g e

6 The Navigation Bar on the left has several sections that can be expanded to reveal additional functionality. The Messages section houses our new Secure Message Center where important communications are displayed and where you can initiate secure conversations with Bank staff. The Transactions section displays both transactions you can perform as well as history of previous transactions. Funds Transfer displays account transfer options between customer accounts Bill Payment opens the Bill Payment website in a new window The Activity Center displays transactions initiated through Online Banking along with the current status, recurring transactions, and a history of Mobile Check deposits Statements displays e-statements for each of your accounts linked to Online Banking Person to Person Transfers allow the you to send money TO another Progressive Bank customer s account The Branches section displays a listing of all Progressive Bank branches and ATMs with maps and directions. The Services section displays additional services available to you through Online Banking. Stop Payment allows you to place stop pays online Add External Account allows you to attach accounts that you own at other institutions to your Progressive Bank Online Banking platform and to transfer funds TO and FROM those accounts Verify External Account is used as part of the external account linking process Manage Finance opens the NEW PRO VIEW 360 Personal Financial Management tool in a new window Mobile Deposit Enrollment is used to request the Mobile Deposit Capture functionality be added to your list of mobile capabilities 6 P a g e

7 The Settings section displays options for you to change the way your accounts are displayed and to utilize additional features and services. Account Preferences allows you to change the nicknames of accounts, the order the accounts are displayed, on the Landing Page, and the nicknames to be used for Text Banking (if enrolled) Security Preferences allows you to reset Online Banking passwords and to change contact information for Secure Access Codes used when logging in from unrecognized devices Alerts allows you to set up a variety of different automated text alerts Text Enrollment allows you to sign up for SMS Text Banking Address Change allows you to submit changes of address online for any of your Progressive Bank accounts Statement Delivery allows you to enroll in e-statements for any of your deposit accounts for which you are not already enrolled in e-statements Themes allows you to choose among three available background themes The Quick Action Bar on the right side provides short-cuts to the most frequently used transactions. You will also find Marketing Messages displayed in this section as well. Currently, the Quick Actions available are Funds Transfers and a recent Mobile Deposited Checks History. 7 P a g e

8 WHAT s NEW? WHAT s DIFFERENT? What Should We Know? TOP 5 ANTICIPATED QUESTIONS / ISSUES: o o o o Your Contact Info is Incorrect or You re Having Problems with a Secure Access Code Please contact our Electronic Banking Team at or your usual financial center for assistance. Your Browser (not operating system) has a Compatibility Error Because of security concerns, browsers (not operating systems) older than Internet Explorer 10 are no longer compatible. You can freely upgrade to Internet Explorer 10. Both Chrome and Firefox are fully compatible and upgrades are also free. See Page 4 for links. Bill Pay Will Payees migrate over and will future-dated bills be paid? Yes, all Payees will migrate over; however, e-bill connections will need to be reset since the URL for Online Banking is changing. Yes, all future-dated payments scheduled before Wednesday, October 14 th, will be paid. PLEASE NOTE: Futuredated payments created in the old bill-pay system WILL NOT be visible in our new system but are still scheduled to be paid. Please do not initiate those payments again in the new system as that will result in double-payment of those bills. Bill Pay Will the Payment Process change? Not really. On the Payment Date Calendar, choose the date for the Payee to receive the payment. This will be the Deliver by date, i.e. the Payment Date. For Electronic Payments, the funds will generally be deducted on the Payment Date. For payments by check, the funds will be withdrawn from the account when the Payee cashes or deposits the check. Once the payment is set up, you have the option to Rush the payment for an additional fee or to set the payment to Recur at regular intervals. LOGIN (AFTER 1 st TIME) o You will continue to access Online Banking directly from the Login circle on the Progressive Bank Home Page. o You WILL NOT select Personal or Business but will simply key in your Login ID and click the Login button. o You will then be prompted for your Password. Once you key in your Password and Submit, you will then see your new Dashboard. 8 P a g e

9 SECURE MESSAGING o You can now directly send and receive Secure Messages through the Messages link. TRANSFERS o Balances transferred between accounts at Progressive Bank through the Funds Transfer link will be immediately available in the Transfer To account and deducted from the balance of the Transfer From account but the transaction will show as Pending (instead of an *) in the Account Transaction Detail for both until daily internal processing is complete. TRANSACTIONS o In the Transactions section, if you are entering an amount and a Save button is present, the amount must be Saved or the transaction will not be completed. RECURRING TRANSFERS o Any recurring transfer arrangements between Progressive Bank accounts currently set up in Online Banking WILL NOT transfer over to the new system. You will have to set those transfers up again in the new system. EXTERNAL TRANSFERS (to and from your accounts outside Progressive Bank) o External Account Verification micro-deposits can take up to 5 business days to appear in the External Account. o Once External Accounts are linked and verified, these accounts will be listed in the From and To options in Funds Transfer. o External Account Transfers can take up to 3 business days to complete. PERSON TO PERSON TRANSFERS (TO another person s Progressive Bank accounts) o You can transfer OUT of your accounts ONLY. You cannot use this function to pull money from another person s PB account into yours and the other customer MUST have Online Banking access. MOBILE CHECK DEPOSIT o You will not automatically be able to utilize the Mobile Check Deposit function. Enrollment is easy through the Mobile Deposit Enrollment link under SERVICES. o Mobile Check Deposit History (right Navigation bar) will show Mobile Deposits processed in the previous seven days only. o Mobile Check Deposit limits: $5,000 Daily; $12,000 Monthly o Mobile Check Deposit Endorsement: Signature and For Deposit Only to Progressive Bank. ALERTS o Please note that Account, History, and Transaction Alerts ARE NOT real-time but will refresh at the beginning of each day. Please use caution when selecting the Send/Call Immediately box on these Alert types as the alert will arrive immediately after overnight processing very early in the morning. o Each time you set up a new automatic Text Alert, you will have to Agree to Terms for the SMS Delivery Program. o Text Enrollment involves setting up your phone to manually text the Bank for account information this is NOT the same thing as automated Text Alerts. 9 P a g e

10 BILL PAYMENT o Bill Payment will be in a Blackout Period beginning October 14 th. During this Blackout, previously scheduled payments will be processed as requested; however, customers will not be able to schedule additional payments or to set up new Payees during this window. PLEASE NOTE: Future-dated payments created in the old bill-pay system WILL NOT be visible in our new system but are still scheduled to be paid. Please do not initiate those payments again in the new system as that will result in double-payment of those bills. o Bill Payment Vendors/Payees will automatically transfer to the new Bill Payer service; HOWEVER, e-bills will not transfer and will have to be set up again beginning on October 21 st. o Bill Payment Payees will be listed in Nickname Order, rather than Payee Name order as they are in the current system. If there is no Nickname set up for the Payee, it will be listed by Payee Name. o A Bill Payer Payee can be a Company, an Individual (similar to POP Money), or a Financial Institution SYSTEM TIMEOUT o The Online Banking system is set to Time Out every 30 minutes whether you are actively working in the system or not. This is a new security feature and cannot be disabled. You will receive an Approaching Timeout Warning 60 seconds before the timeout actually occurs. MOBILE APPS o New Mobile Apps will be available for both smartphone and tablet and for Business Online Banking as well. o Current PB Mobile iphone customers should receive an Update to move to the new App. Android users will have to Delete the old app and download the new PB Mobile App o PB Mobile Apps will not be immediately available for the new iphone 6S and 6S Plus but will be available soon after conversion. 10 P a g e

11 Online Banking Landing Page & Selection Details ACCOUNT INFORMATION This center section of the Control Center will display a listing of all your accounts along with your available balance (checking) or current balance (savings). This section also includes an Account Summary at the bottom which will present a graphic representation of your Total Assets and will also present additional summary information about the selected account. 11 P a g e

12 To view Detailed Transaction information, simply click on the arrow to the right of the Account Balance. NOTE: Debit transactions appear in Red and Credit transactions appear in Green. To expand the transaction information, simply click on the selected transaction. For a question or more information about the selected transaction, click on the Ask about transaction link. 12 P a g e

13 This opens a Secure message window to complete an to Customer Service about the transaction. Additional documents can be easily attached using the Supported Attachments link (Online Banking only not available with Apps). The transaction can also be printed. MESSAGES CENTER All important communications, including Alerts (Security Alerts as well as any customer-initiated Alerts), can be found in the SECURE Message Center link. You can choose to save or delete Alerts as you wish. 13 P a g e

14 To initiate a Secure Message to communicate with Bank staff, simply click on the New Conversation link to open the new secure window. This channel can be used for general Customer Service issues, to Report a Lost or Stolen Card, for Online Banking Assistance, for help with Business Services (Payroll, Wires, etc.), or for other General Assistance. NOTE: Our Electronic Banking team is committed to same-day response to Customer Service Conversations received during normal business hours; and to next-day response to Conversations received after business hours or on weekends. 14 P a g e

15 TRANSACTIONS Several options and activities are available in the Transactions Section. Funds Transfer In this section, you can transfer funds between your accounts at Progressive Bank and TO and FROM External Accounts (for which you are an account owner) that you have previously linked and verified (See Services Add External Account). To make a transfer, simply: select the From and To accounts; type in the amount (at this point you can choose to make this a recurring transaction); choose the transfer date; and optionally include any notes to accompany the transfer. Once the information is finished, simply click on Transfer Funds. If the transaction is successfully authorized and scheduled, a Transaction Authorized screen will appear with all of the pertinent information. A successfully input Funds Transfer will also appear in the Activity Center. 15 P a g e

16 Bill Payment For current Bill Pay subscribers, the Bill Payment link opens the new ipay Bill Payment site in a new window. The ipay system functions are very similar to the bill payment system you are familiar with. The very first time that you access Bill Payments, you will be presented with this Welcome to the new Online Bill Pay screen which will briefly acclimate you to the new system and its features and functionality. 16 P a g e

17 The Welcome Screen will only appear at the first access of Bill Payment. Subsequent access will be directed to the Bill Pay Landing Page where you can view your Bill Pay activity, add Payees, set up payments, and more. See APPENDIX A for more information on some of our new Bill Pay features or refer to the Online Bill Pay Guide available on our Progressive Bank home page located at Activity Center The Activity Center displays transactions that have been initiated through Online Banking (including their current status), recurring transactions, and a history of Mobile Check deposits. A Search feature is also available to display specific transactions. The first tab displays Single Transactions initiated through Online Banking. The date created, status, transaction type, account number, amount, and any available actions (Cancel, Inquire, Copy, and Print) are displayed. 17 P a g e

18 The Recurring Transactions tab will display transactions initiated through Online Banking which are set to repeat at regular intervals. o Any recurring transfer arrangements between Progressive Bank accounts currently set up in Online Banking WILL NOT transfer over to the new system. You will have to set those transfers up again in the new system. The Deposited Checks tab will display information about checks deposited via the PB Mobile phone or tablet apps. 18 P a g e

19 Statements The Statements link displays e-statements for each of your accounts. 19 P a g e

20 Person-to-Person Transfers Person-to-Person Transfers is a great new feature which allows you to transfer funds TO accounts of other Progressive Bank customers. You can choose to make a single, one-time transfer OR can Link the account if these transfers will occur on a regular basis. All that s required are the last 4 digits of the recipient s Progressive Bank account number. NOTE: The other Progressive Bank customer MUST have Online Banking access. To complete a Person-to- Person Transfer, simply choose your FROM account, enter the Amount and an optional Description. Then complete the Recipient s Address and the Last 4 Digits of the Recipient s Progressive Bank Account number. Once all of the information is input, simply Submit to initiate the transfer. You will receive a Transaction Authorized screen for successful transaction completion. 20 P a g e

21 If you will be making regular transfers to another Progressive Bank customer s account, you may want to Link the account to make the transfers even easier. Once the accounts are Linked, the account will appear in the TO drop-down box on the Funds Transfer screen. To Link the account, simply input the recipient s Address and the Last 4 Digits of the Recipient s account number. Remember that Person-to-Person Transfers are ONLY available to make Deposits into another Progressive Bank customer s account. You will not be able to make any withdrawals from the account through these transfers or Linked accounts. BRANCHES In the Branches link, you can find Progressive Bank Financial Center location information including maps/directions and hours of operation. All Progressive Bank or Progressive Bank-branded ATM locations are also included in this section along with maps/directions. 21 P a g e

22 SERVICES The Services section displays additional banking services that may be available to you online. Stop Payment This link allows you to place stop pays online for checks you ve written. You will first choose whether you are placing a stop for a Single Check or a range of checks (Multiple Checks). Then you will select the Account on which the check was written. The next step is to key in the Check Number (or range for Multiple Checks). Keep in mind that the number can be input directly into the box or through the key pad and be sure to click SAVE to save the information. 22 P a g e

23 Next, enter the Payee Name and click SET. The next step is to key in the Check Amount. Again, keep in mind that the number can be input directly into the box or through the keypad and be sure to click SAVE to save the Check Amount. Next, enter the Date of the Check. Finally, input a brief Description. Click Set and then Send Request. NOTE: The initial request is valid for up to 14 calendar days. To enforce for up to 6 months, print and sign the Confirmation page and upload through Secure Messaging, fax to or drop by any branch location. Also note that requests are PROHIBITED for debit card transactions. 23 P a g e

24 External Accounts With our new Online Banking system, our customers are now able to make funds transfers to accounts they own at other financial institutions. The financial institution must be located in the U.S. or a U.S. territory and must use an ABA routing number. Establishing the links to make this feature active is a two-step process. Add External Accounts The first step in the process is to Add the External Account. To add the account, simply input the account number and routing number for the account at the other financial institution. You will also select the type of account from the Account Type dropdown menu. Once this information is complete, click on the Continue button. The system will then generate two micro deposits to be sent to your external account to assure that everything is set up correctly and that you have access to that account as well. NOTE: This process could take up to 5 business days. Once the deposits are made, make note of the amounts as these will be important in the verification step. Verify External Accounts The second step in the process is to Verify the External Account. To accomplish this, simply select Verify External Account from the Services Menu, key in the two micro deposit amounts in the boxes provided, and Continue. If the amounts that are keyed in match the system-generated deposit amounts, the account will then be accessible through, and appear in, the Funds Transfer screen in the Transactions menu. 24 P a g e

25 Manage Finance With our new Online Banking system, you will now have access to your own Personal Financial Management Tool PRO View 360. This system will offer a holistic view of your financial assets, liabilities, cash flows, goals, and budgets. Everyone has goals and PRO View 360 will help you track and manage yours. Selecting Manage Finance opens PRO View 360 in a new window. For more information, refer to the PRO View 360 Personal Financial Management Guide available on our Progressive Bank Home Page located at Mobile Deposit Enrollment You can now use the PB Mobile App to deposit checks into your accounts. NOTE: This is a by-request service we will not automatically enroll every Online Banking customer for Mobile Deposit capabilities. To request the service, you simply choose the Mobile Deposit Enrollment link and follow the instructions provided on the screen. Some information to note regarding Mobile Check Deposit. o o o o o o o o You are eligible for Mobile Deposit if your account is Active and in Good Standing (as defined by the Mobile Remote Deposit Capture User Agreement). There are no fees for this service Checks must be payable to one of the owners, or to the business name if a business, of the account into which the check is being deposited Deposit Limits: $5, per business day - $12, per 30 consecutive calendar day period No Money Orders, Official Checks, Travelers Checks, etc. may be deposited Checks MUST be Endorsed in this manner: Depositor/Payee signature For deposit only to Progressive Bank. Checks not endorsed in this manner may be rejected. Funds deposited before 6:00 p.m. on a business day will generally be made available the next business day after the business day on which the deposit was made. Note that deposits made into NEW accounts may be subject to extended New Account Holds. You should retain the check for at least 30 days and should mark the check VOID or render it incapable of further transmission. Mobile Deposit -- Step-by-step Instructions Before beginning this process, be sure to properly endorse the back of the check (Signature For Deposit Only to Progressive Bank) In the PB Mobile app, select Deposit Check from the Transactions link. Select the TO Account and enter the Check Amount you must use the provided keypad to enter the Amount and Save. Select Capture Image - Place the check on a flat surface, Sally Customer with your smartphone or tablet, line up the Front View of the check within the provided brackets and click Capture Front. Repeat the process with the Back View. If either of the images is not clear, you will have the opportunity to Retake Front or Retake Back. 25 P a g e

26 Once you are happy with the image quality, simply click Submit Deposit. You will receive this Deposit Submitted screen if your check was successfully submitted. If the system discovers a problem with the image, duplicate check number, etc. a different message will appear with instructions on how to proceed. You will also receive a confirmation from ebanking@progressivebank.com when the Mobile Deposit is accepted SETTINGS The Settings section displays options for you to change the way your accounts are displayed and to utilize additional features and services. Account Preferences Account Preferences allows you to change the nicknames of accounts, the order the accounts are displayed on the Landing Page, and the nicknames to be used for Text Banking (if enrolled) In Account Preferences, you can assign Nicknames to your accounts and also determine in which order accounts will appear on the Dashboard. 26 P a g e

27 Security Preferences Security Preferences allows you to reset Online Banking passwords and to change contact information for Secure Access Codes used when logging in from unrecognized devices. To Change Password, you will simply input the Old Password, New Password, and Confirm New Password. To update Secure Delivery Contact Information, you will simply choose the contact method to update, Edit, and Save. Or, you can add a New Address, Phone Number, or Text Number. Alerts Alerts allows you to set up a number of different automated text alerts. There are several different Alert types including Date Alerts, Account Alerts, History Alerts, and Transaction Alerts. When you create an Alert, it takes effect immediately and stays in effect until you disable or delete it. Delivery methods may include: Secure Messages (in the Message Center), , Phone, SMS/Text Message To create an Alert: In the Menu you will select the type of Alert you want to create, enter a message, and select a delivery method. You will also have to Agree to the Terms and Conditions (will have to Agree each time you set up a new Text Message). NOTE: If you miss an Alert call, our alert system will leave a message on voice mail. If you did not receive a phone call, check your message mailbox under the Message menu to confirm receipt. If there is no Alert in the secure mailbox, confirm that the alert is enabled. o Please note that Account, History, and Transaction Alerts ARE NOT real-time but will refresh at the beginning of each day. Please use caution when selecting the Send/Call Immediately box on these Alert types as the alert will arrive immediately after overnight processing very early in the morning. 27 P a g e

28 Date Alert types include: Birthday, Anniversary, Meeting, Appointment, Call, Wakeup, Vacation, Travel, and General. Account Alerts can be set for any account available in Online Banking and will alert to specific balance fluctuations defined by you. If an Alert is saved correctly, this Save Alert screen will appear. History Alerts can be set for any account available in Online Banking and will alert to specific transaction types, or check numbers or amounts. You will choose the transaction type, check number, or transaction amount and Save. 28 P a g e

29 Transaction Alerts can be set for any account available in Online Banking for specific pre-defined transaction types. Please note that a number of these available transaction types are for commercial customers only. You will choose the transaction type, accounts, and status (Authorized, Cancelled, Drafted, Failed, Processed) to Alert for. There are also a number of pre-set and customer-set Security Alerts that will notify you regarding changes to your Online Banking Profile or Preferences. These can be delivered in the same ways as the other Alerts and will also appear in your Messages. 29 P a g e

30 Text Enrollment Text Enrollment allows you to sign up for SMS Text Banking. To use Text Banking, you send a text message to the Bank with a command (see below). When the action is complete, the text message reply includes the information or the results of the action 30 P a g e

31 Address Change Address Change allows you to submit changes of address online for any of your Progressive Bank accounts. You simply select ALL accounts or only the ones that should change, along with any changes in phone or address, and click SUBMIT. You will receive the Change of Address Successful screen if the change is successfully submitted this DOES NOT mean that the change has been applied. Deposit Operations will complete their normal verification process before the final changes are made to the accounts. This avenue simply provides an easy means for you to request a change without making a trip to a financial center. 31 P a g e

32 Statement Delivery Statement Delivery allows you to enroll in e-statements for all of your deposit accounts. You will have to review the system requirements detailed in the E-Statement Enrollment Form and click the I Accept button to complete e-statement enrollment. Themes Themes allows you to choose among three available background themes PB Financial Center (Default), Music, or Large Print versions. 32 P a g e

33 System Timeout As a security precaution, the Online Banking system will Timeout every 30 minutes, whether or not you are actively working in the system. You will receive an Approaching Timeout warning 60 seconds before Timeout will occur. To go back to the session, simply click the browser Back button when the PB Home Page appears and Login again. You should then be returned to the last screen viewed within Online Banking. 33 P a g e

34 APPENDIX A ipay Bill Pay System 34 P a g e

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