24 Hour Online Banking Guide

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1 TABLE OF CONTENTS Please review this online services e-booklet to review all convenient electronic services available to you as a member of Advia Credit Union. Our promise is to offer advantages to our members via innovative financial solutions! Getting Started with 24-Hour Online Banking...2 Convenient Bill Pay...3 Mobile & Text Banking (including electronic Check Deposits)...4 Additional Convenience Features...5 Troubleshooting Tips...6 Update

2 GETTING STARTED 24-Hour Online Banking provides secure and convenient access to your updated account information along with so much more! Schedule transfers, pay bills, receive e-alerts, update your important contact information and manage cash flow, all at your fingertips online or with your mobile device. Getting Started with 24-Hour Online Banking When Logging In for the first time: Your User ID is your Advia CU Account number preceded by A (example account number = A12345) Your initial password is the word ADVIA followed by the last 4-digits of primary account holder s Social Security Number (example ADVIA6789) Note a password change will be required following initial login Important Notes for Enrollment You ll be asked to confirm your address and agreement to terms and conditions of accessing 24-Hour Online Banking and Bill Pay. You will be asked to select from a gallery of identifying graphics known as a watermark for your account as well as three security questions that you can easily answer but would be difficult for another to guess. Lastly, you will be asked to create a password reset Q&A. It s all about selecting OPTIONS! Once you re complete with your set up of New 24-Hour Online banking, visit the Options tab, which allows you to do any of the following: Select Your Own Unique User ID and Password Personalize the naming of your account types Establish a password reset security question Set up E-Alerts such as balance notifications, security alerts and even personalized alerts such as birthday reminders! Enable your mobile device for mobile and text banking Enroll for e-statements to enable 14-months of statement history Manage Your Money and Open New Accounts The My Accounts tab is the default view of your Advia CU accounts, which is important in allowing you to view account summary information, schedule stop payments on checks, reorder checks and schedule one-time or recurring transfers to other Advia CU accounts on file. It s here that you can also open new Savings and CDs 24-hours a day! Setting Up Future Direct Deposits into your Account In order to schedule future direct deposits into any of your available savings or checking, you ll need to provide your account 13-digit MICR code to your payroll provider. To find your account MICR information, simply choose the Select Option drop down near your desired account type followed by Account Info.

3 USING CONVENIENT BILL PAY Please use this helpful guide in navigating set up and important features available with Advia Online Bill Pay. You may also visit us online for a complete Online Demo to help walk you through all of the tools you will enjoy! Following Online Banking Enrollment: Select the Bill Pay Tab to begin enrollment and agree to terms of using this convenient service. Bill Pay is Convenient, Simple and FREE Bill pay allows you to schedule one time or recurring payments to any person or company. You can even set up special payment alert notices and select to receive e-bills when available through your payee. How Payments are Processed (and funds withdrawn from your account) You ll notice that when scheduling a payment, you ll see the Deliver by Date this is the date your payment will be electronically received to the payee. Below the Deliver by date you will see the Process Date this is the date funds will be withdrawn from your Advia CU Checking. If the payee is not set up to receive funds electronically, a check will be mailed on the Process Date. In these cases, funds will not be withdrawn from your account until the payee processes the mailed check. Take the Short Cut View (an easier way to view payees and schedule payments) There s a faster way to pay, and speed up your payment scheduling. Within the Bill Pay Options tab, select Default Settings and then Short Cut. You ll enjoy a view of all your payees pre-loaded as your default view as well as any anticipated payments you might want to schedule based on how you ve paid bills historically. Pay Your Pals (person-to-person payment option) When setting up a Payee, you can also elect to Add a Person. There s a one-time set up process, so you will need the individual s address. A unique Activation Code will be submitted to allow activation. Your recipient will also have to complete a one-time activation process by providing a reply with the activation security test word you establish. Once complete, you can easily schedule ongoing payments from your computer or phone to pay friends online!

4 MOBILE & TEXT BANKING Stay updated while on the go it s getting easier with Mobile Web, Mobile Banking & Text Banking! Please use this helpful guide in navigating set up and convenient features available with your smart phone or tablet. Getting Enrolled With Mobile & Text Banking Advia Mobile Banking allows you to transfer funds, pay bills and view account balances with your tablet or smart phone. Once logged into 24-Hour Online Banking, Select the Options Tab, followed by Mobile Settings. You ll then see both the Web Mobile Settings and Text Mobile Settings areas to enable your mobile device for both Mobile & Text Banking. Download Your Mobile App Once you ve enabled your device within the Options tab, take the next step by downloading our App to your iphone or Android. Have another type of smart phone? Just visit our mobile web to access with your smartphone. Text for Balance Updates & More! Once you ve enabled your mobile phone settings within the Text Mobile Settings tab, select the accounts you want to enjoy text access from your mobile phone, and enter your own mobile short names for each account (Example Checking: CKG). Complete the set up process by confirming and submitting your enrollment. Review text commands available, such as: Bal = All selected accounts current balance Bal Mobile Short Name (example Bal CKG) = Single Account Balance Hist = All selected accounts recent activity Hist Mobile Short Name (example Hist CKG) = Single Account recent History Text HELP for a complete list of text commands available to you Once set up online, simply text your code provided (see message at top of screen) to This is the number you ll text your commands in order to receive information to your phone. To finalize enrollment, you must respond Yes to a confirmation text which will be sent to your phone. Deposit Checks with your Mobile Device or Desktop Scanner Enjoy the added convenience of Remote Deposit Anywhere! To get started, simply select the Additional Services tab to enroll for this free service. Make sure to review our Frequently Asked Questions and tutorial pages for helpful tips on using your phone or scanner as your 24-hour deposit service!

5 ADDITIONAL CONVENIENT FEATURES We continue to add new features to your 24-hour Online Banking experience! Check out these additional account access tools you ll enjoy! My Finance Your Budget Software Tool Within the My Finance Tab, you re able to establish your own financial goals, create a budget and help manage your expenditures within household finance categories to help stay on top of where your money is going. You will see an online suite of helpful tips when using this important financial management tool. 24-Hour Access to your Visa Card Information Within online banking, select your My Card Info tab to view up to date Advia CU Visa Platinum Credit Card activity, balance information and even to help you redeem valuable points earned if you hold one of our Visa Platinum with Advantage Points cards! External Transfers Transferring to and from other Financial Institutions You re now able to conveniently transfer funds into your Advia account from other financial institutions or from your account with us to another bank or credit union. To get started, select the Additional Services tab to follow prompts. The first time you set up an account to receive or send funds, there is a multi-step process to confirm security of your future transactions. Please download the helpful tips for important steps. Once set up, future transfers will be a breeze! Open New Savings and Certificates 24-Hours a Day! Why come to a branch when you can open additional sub-share savings and Certificates of Deposit easily online? From the My Accounts tab, simply select Open New Savings. You ll be able to walk through the final opening agreement for various savings accounts as well as termed Certificates of Deposit (certain account type restrictions apply).

6 TROUBLESHOOTING TIPS We re here to help when you experience difficulty in using our online services. Call or even chat with us online to help walk you through any problems you re encountering. Here are some helpful Troubleshooting Tips for Using 24-Hour Online Banking. Having difficulty getting Set Up for Online Banking If you are attempting to self enroll online by providing your social security number, account number and address, you may experience difficulty if your address or other information being submitted does not Having difficulty viewing pages? Select pages such as e-statements and My Card Info within 24-Hour Online Banking open new windows in order to view, which may require you to disable your pop up blocker if these are match what is held on file. If you experience difficulty in accessing any of our online services, please contact us at (844) and we will help correct any information and get your enrollment completed. currently enabled. You may select to allow our site as an allowed site while maintaining blocks on other online sites. Difficulty Viewing Check Images Check images will be viewable only when the check was deposited outside of our financial institution and has not been converted to an electronic check at time of deposit by the payee.