USER GUIDE MOBILE BANKING

Transcription

1 MOBILE BANKING USER GUIDE Q2EBANKING IS OUR MOBILE BANKING PROVIDER AND HAS PREPARED THIS Q2MOBILITY APPS USER GUIDE TO HELP YOU GET THE MOST OUT OF OUR MOBILE BANKING SERVICES. If you have any questions or need additional information, please contact Electronic Banking at or Q2online Standard User Guide, Release 3.5

2 Contents Preface Audience Purpose Conventions Product Documentation Obtaining Documentation and Support iv iv iv iv iv v Chapter 1: Overview 1 Chapter 2: Administrative Tasks 2 Enable Mobile Banking in Q2central 2 Chapter 3: End User Tasks 3 Download the Application 3 Sign In 4 First-Time Users 7 Interstitial Page 8 Dashboard 8 View Account Details 9 Summary Metrics 11 Messages and Alerts 11 View Messages 12 Reply to a Message 12 Create a New Message 13 Delete a Message 15 Transactions 16 Make a Transfer 16 Make a Recurring Transaction 20 Make a Bill Payment 24 Deposit a Check 29 Commercial 34 ACH Payment 34 ACH Receipt 38 Domestic Wire 42 View ATM and Branch Locations 46 View News and Rates 50 Settings 51 - iii -

3 Preface Audience Purpose Conventions This preface explains the audience, purpose, and organization of the Q2mobility Apps User Guide. It also defines the conventions that are used to present instructions and information. The is designed for financial institutions (FIs) managing the use of tablet and smartphone applications for their end users. This guide is mainly for FIs, but includes end user tasks and information. The provides detailed information about administering rights to the tablet/smartphone applications, as well as information on how to use the mobile application. For additional information on related documentation, see the Product Documentation section. This document uses the following conventions. Item Commands and keywords Emphasis or variables for which you supply values Menu items and button names Selecting a menu item Convention boldface font italic font boldface font User > Preferences Note Tip Means reader take note. Notes contain helpful suggestions or references to material not contained in the publication. Means the following information will help you solve a problem. Product Documentation The following table lists any related documentation: Q2mobility Apps Customer Workbook - iv -

4 Preface Note We sometimes update the printed and electronic documentation after original publication. Therefore, you should also review the documentation on the Customer Self-Service Support portal for any updates. Obtaining Documentation and Support To obtain documentation, please visit the Customer Self-Service Support portal. If you need information on how to access the portal or need support assistance with the Q2mobility Apps, please contact Q2 Customer Support. - v -

5 Chapter 1: Overview The Q2mobility Apps provide your end users with ios (Apple) or Android tablet/smartphone mobile functionality in an application that can be downloaded from the Apple or Google Play stores. The following are features in the Q2mobility Apps: Optimized for smartphones and tablets Share login and entitlements with Q2online Display account balances and details Provide a graphical, brandable dashboard complete with account details and elements such as Facebook, Twitter, Quick Bill Payment, and Quick Transfer Cross sell to your end users by providing bank rates (such as loan and checking account rates) Provide them with mobile banking applications that are optimized for tablets and smartphones and adhere to ios and Android UI best practices Offer the ability for your end users to call your FI directly from a button within the application (for smartphones) Provide consistency with a mobile banking application that is branded to match the online banking experience Access various information about your FI without even logging in, such as rates, news, and branch/atm locations The following functionality is available with the Q2mobility Apps: Account Overview information Account/Transaction history ATM/Branch locations and information News and Rates - Display dynamically updatable news and rates or link to your FI s RSS feeds Commercial Payments - Submit ACH single payments/receipts and domestic wires, utilizing existing templates and the SmartCalendar feature Configurable direct dial to your FI call center Funds Transfers - Both internal and external Messages and Alerts - Send and receive secure messages Remote Deposit Capture - Capture check images and use them to make deposits into your eligible accounts Retail Bill Pay - Access your bill pay profile, set up new payments and view recent history - 1 -

6 Chapter 2: Administrative Tasks This chapter provides information about the administrative tasks necessary for your FI to enable mobile banking for your end users. Enable Mobile Banking in Q2central 2 Enable Mobile Banking in Q2central To ensure that your end users have the ability to utilize mobile banking, enable this feature in Q2central. 1. Under User Management, choose the desired Group for which you want to enable this feature. 2. Click the Features tab. 3. Enable the Mobile: Allow end users to self-enable mobile banking and Mobile: Allow Mobile Capture Access options. 4. For Bill Payment, click the General tab and enable the Bill Payment option. 5. Save the changes

7 This chapter provides information about the tasks necessary for your end users to use the Q2mobility Apps. Download the Application 3 Sign In 4 First-Time Users 7 Interstitial Page 8 Dashboard 8 View Account Details 9 Summary Metrics 11 Messages and Alerts 11 View Messages 12 Reply to a Message 12 Create a New Message 13 Delete a Message 15 Transactions 16 Make a Transfer 16 Make a Bill Payment 24 Deposit a Check 29 Commercial 34 ACH Payment 34 ACH Receipt 38 Domestic Wire 42 View ATM and Branch Locations 46 View News and Rates 50 Settings 51 Download the Application To download the application directly from the Apple (App Store) or Android (Play Store): 1. Launch the App or Play Store application on your mobile device. 2. Search for your FI s name and download the application. ipad users can also download the application directly from within itunes by searching for the application under the FI s name

8 Note If you download the application on your computer, you will need to sync your tablet with the computer to add the application. Sign In You can set up your ebanking access from the mobile device of your choice (tablet/smartphone). Certain information still must be added in online banking before being visible in your mobile application, such as bill payment payees, payment (credit) recipients, and payment templates. Once you have downloaded the application and have your user ID and password, you are now ready to sign in. 1. On your mobile device, launch the application. 2. To display the keyboard, simply tap an entry field or use the device keyboard

9 3. Enter a valid User ID and password and tap SIGN IN. If your information is correct, the Interstitial page appears as your information loads. Note IF you wish to have your device remember the User ID for your next sign in, select the Remember Me check box before signing in

10 Note You can also access rates, contact us, or locate branches and ATM locations prior to signing in to the application. If your profile is configured for Multi-factor Authentication, you will be prompted to select one of the contact options that we have on file for your account. Within minutes you will receive a Temporary Access Code to enter before continuing the sign in process

11 Enter the code you received and tap Submit to complete the Sign In process. Note Navigation procedures may vary slightly depending on your mobile device. First-Time Users If you are a first-time user, additional steps must be completed before gaining access to your accounts and application functionality. To sign in for the first time: 1. On your mobile device, launch the application. 2. To display the keyboard, simply tap an entry field or use the device keyboard. 3. Enter a valid User ID and password and tap SIGN IN. The First-Time User Enrollment User Identification page appears. 4. Select a delivery method to receive your Secure Access Code. 5. Submit the code you received. You are prompted to read and accept the disclaimer in the Complete Enrollment section. 6. Choose I Accept. The Complete Enrollment Step Two: Create Your Online Profile page appears. 7. Complete all required fields and tap Submit. The Change Your Password page appears. 8. Enter a new password and tap Submit. A confirmation dialog appears. 9. Tap OK. If your information is correct, the Interstitial page appears as your information loads. Note You will also be prompted to register your device. If you select the option to register, you will not be prompted again during subsequent sign-ins. If you decline - 7 -

12 Interstitial Page to register your device, you can still sign in, but will be prompted to register during future sign-in attempts. Once you sign in to the application, the Interstitial page appears briefly as the application loads and may provide information such as marketing messages, secure message notifications, quick links, or RSS feeds. Dashboard The Dashboard appears immediately following the Interstitial page and provides quick access to the following features: Accounts associated with your online profile Summary Metrics menu which displays amounts associated with each account - 8 -

13 Settings menu Quick funds transfers Bill payments Announcements and messages View Account Details The Dashboard displays a summary of accounts associated with your online profile. You can also initiate quick transfers as well as make bill payments. Accounts are categorized and displayed by account type (checking, savings, loan, time deposit, etc.). The following information appears for each account: Account Name - Either the default name for the account in our system or a custom display name (aka nickname) that you have created for the account in online banking. To make your accounts easily recognizable, you can assign display names to your accounts from the Preferences > Account menu in online banking. Display names can be changed as often as you wish and will be used consistently in account listings and menus. Account Number - The account number for the displayed account. The number maybe masked for security purposes, displaying only the last several numbers of the account

14 This ensures the confidentiality and privacy of your online information. For example, account number may be represented as XXXX-6789 or ****6789. Updated - The date that the displayed balances on the account were last updated. Account Balances - The most relevant summary balances (Available, Current) for the account type. To view your account details, simply tap any account icon 5) transactions (debits/credits) will display. and the most recent (up to To view additional transactions and account details, tap the expansion icon

15 Summary Metrics The Summary Metrics graph provides an additional access point to view details for each of your accounts. Just tap a section of the graph and the applicable account summary will display with the option to view associated transactions. Messages and Alerts Messages and Alerts to and from your FI are consistent between Mobile Web, tablet/smartphone applications, and online banking. This means if you elect to send a message while working within online banking, you can always use your tablet app to read

16 View Messages the reply. Our secure messaging is integrated so messages you receive in one channel are always visible in the other channel. To view secure messages, tap the Messages tab at the bottom of your application. All messages display in descending order on the right panel of the page. Reply to a Message To view message details, tap the desired message in the list. You can reply to any message available in your secure message queue. To reply to a message: 1. Tap the Messages tab. The Messages page appears. 2. Select a message in the secure message queue. The message details appear. 3. Tap Reply. A message window appears displaying the addressee and message subject

17 4. Compose your response and tap Send. The message details appear on the page as well as in the message queue. Create a New Message You can create a new secure message for distribution to many of our FI's departments. To create a new message: 1. Tap New at the top of the Messages page. A New Message window appears displaying a list of available recipients

18 2. Tap to select a recipient from the list. The new message template appears displaying the following: The selected recipient in the To field Subject field Message Content field (max 1000 characters)

19 Delete a Message 3. Compose your message and tap Send. The message details appear on the page as well as in the message queue. You can delete any sent or received secure messages available in your message queue. To delete a message: 1. Select a message in your message queue. The message details appear. 2. Tap the Delete Message icon. A confirmation window appears

20 Transactions Make a Transfer 3. Tap Yes. The message is deleted and removed from the message queue. The Transactions page allows you to conduct various personal transactions such as funds transfers, bill payments, and remote check deposits. The Transfers tab enables you to quickly and easily transfer funds between two of your accounts, deposits and withdrawals. You can make a one-time immediate transfer, a onetime future-dated transfer, as well as recurring transfers. To make a transfer: 1. Tap the Transactions tab at the bottom of your application. 2. Tap the Transfers tab. 3. Select a From and To account from the account menus. Note This can include both internal and external account transfers

21 4. Enter a transfer amount and tap Set Amount

22 5. Select a transfer date

23 6. Tap Transfer Funds. A confirmation dialog appears indicating the transfer date. Note All Pending and Processed Transactions appear in the right panel of the transactions page

24 Make a Recurring Transaction You have the ability to create a recurring transaction for some types of payments or transfers. A recurring transaction happens on a preset schedule that you determine. Each recurring instance of the transaction is scheduled when the previous instance of the transaction has been processed. You can review or delete each recurring transaction on the Transactions page. To create a recurring transaction: 1. Create your standard funds transfer and tap Repeat This Transaction. The Repeat Transfer window appears

25 2. Tap the Frequency tab. The transfer frequency options appear

26 3. Make your selection and tap the Duration tab. The transfer duration options appear

27 4. Tap Repeat Forever or Repeat Until to end transfers after a specified number of occurrences or to end on a specific date

28 Make a Bill Payment 5. Make your selection and tap Confirm. A confirmation window appears. You can conduct select ebanking transactions from the convenience of your mobile device when you tap the Bill Pay tab on the Transactions page. Note This feature is optional. With the Bill Payment feature, you can: Create payments Cancel pending payments View payees View pending payments View payment history Note You must be an existing online bill pay user and enabled for mobile bill pay

29 To make a bill payment: 1. On the Transactions page, tap the Bill Pay tab. A list of bill payees appears. The pending and processed payments also appear in the right panel. Note First-time users of this feature may be prompted to accept a disclaimer before proceeding. 2. Tap a payee. The payee tile flips to display the last four payments (if applicable)

30 3. To schedule a payment, tap the Pencil icon on the top right of the tile. The payment account(s) display

31 4. Select a From account from the list. 5. Enter the Amount, Delivery Method, and Delivery Date

32 6. Tap Send Payment. A confirmation window appears and the pending payment displays in the right bill payments panel

33 Deposit a Check Remote Deposit Capture is an optional feature allows you to use your mobile device camera to capture check images and use them to make a deposit using your mobile application. The Deposit Check tab also displays details and the status of the items captured as either pending or processed, representing the items' status through the capture process. Note You can also track the status of your remote deposits from the Account History and Mobile RDC History pages in online banking. To deposit a check: 1. Tap the Transactions tab on your application. 2. Tap the Deposit Check tab. A list of available To accounts appears. Note First-time users of this feature may be prompted to accept a disclaimer before proceeding

34 3. Select an account and enter the check number if prompted. Note This step may not be required depending on your application's configuration. 4. Enter the amount as it appears on the check and tap Set Amount

35 5. Tap Capture Image. A screen appears prompting the user to capture the front check image

36 6. Position the check as directed on the screen and tap Capture Front. 7. A screen appears prompting the user to capture the back check image

37 8. Position the check as directed and tap Capture Back. 9. A Summary page appears displaying the details of the transaction

38 Commercial 10. Review the transaction details. The option to retake check images is available if they are not clear and legible. 11. Tap Submit Deposit. A window appears displaying the confirmation of a successful deposit. With the Q2mobility Apps, you can initiate and approve select Commercial Payments directly from your mobile device. To initiate a Single ACH Payment, Single ACH Receipt or a Domestic Wire Transfer, the transaction template must be already created in online banking. Note You must have commercial banking rights in online banking and be enrolled in mobile banking with your commercial user information. Additionally, you will only see the transaction types and templates for which you have access. ACH Payment To create and authorize an ACH Payment transaction: 1. Tap the Commercial tab on your application. The Commercial page appears displaying the following commercial options:

39 ACH Payment ACH Receipt Domestic Wire 2. Tap the ACH Payment tab (if the option is not displayed by default). The ACH Payment templates appear. 3. Tap a template tile to view the payment details

40 4. If necessary, you can make adjustments to the template details. Otherwise, select a date for the transaction and tap Submit. Note You cannot adjust the destination account. 5. A screen appears indicating the ACH Payment is in a Drafted status

41 6. Tap Authorize. You may be prompted to select a TAC Target that you have established in online banking. 7. Enter your access code and tap Authorize

42 8. A screen appears indicating the ACH Payment is in an Authorized status. ACH Receipt To create and authorize an ACH Receipt transaction:

43 1. Tap the Commercial tab on your application. The Commercial page appears displaying the following commercial options: ACH Payment ACH Receipt Domestic Wire 2. Tap the ACH Receipt tab (if the option is not displayed by default). The ACH Receipt (collection) templates appear. 3. Tap a template tile to view the receipt details

44 4. If necessary, you can make adjustments to the template details. Otherwise, select a date for the transaction and tap Submit. Note You cannot adjust the destination account. 5. A screen appears indicating the ACH Receipt is in a Drafted status

45 6. Tap Authorize. You may be prompted to select a TAC Target that you established in online banking. 7. Enter your access code and tap Authorize

46 8. A screen appears indicating the ACH Receipt is in an Authorized status. Domestic Wire To create and authorize a Domestic Wire transaction:

47 1. Tap the Commercial tab on your application. The Commercial page appears displaying the following commercial options: ACH Payment ACH Receipt Domestic Wire 2. Tap the Domestic Wire tab (if the option is not displayed by default). The Domestic Wire templates appear. 3. Tap a template tile to view the domestic wire details

48 4. If necessary, you can make adjustments to the template details. Otherwise, select a date for the transaction and tap Submit. Note You cannot adjust the destination account. 5. A screen appears indicating the Wire Transfer is in a Drafted status

49 6. Tap Authorize. You may be prompted to select a TAC Target that you established in online banking. 7. Enter your access code and tap Authorize

50 8. A screen appears indicating the Wire Transfer is in an Authorized status. View ATM and Branch Locations On the Q2mobility Apps Sign In and Branches pages, you can quickly view your FI's ATM and branch locations on the map. You can also tap a placemark icon on the map to view addresses, contact information, and hours of operation

51 1. Tap the Branches tab. A map appears displaying a list of ATMs and branch locations. The addresses and distances to the locations also display in the right panel. Note Depending on your device's configuration, you may be prompted to enter your zip code to view the nearest locations. Additionally, if your device's Location Services are turned off, ATM/Branch locations will be based on approximations and the current location indicator may not display (typically represented by a red pin or blue dot). 2. Tap an ATM or branch location placemark icon on the map (or a location in the right panel). Additional ATM/branch details display

52 3. Tap Get Directions to access the most efficient route from your current location

53 4. If you select the Get Directions option, you can also swipe the lower right corner of the map to access additional map functionality

54 View News and Rates You can access news and rates RSS feeds from the News tab within the application as well as from the Sign In page

55 Settings The Settings feature allows you to create/edit your personal online profile and change your password as needed. To create/edit your personal profile: 1. Tap the Settings button located at the top right of any tablet page. The Settings page appears. 2. Tap Profile. The Profile and Contact Information entry fields appear

56 3. Enter/edit information and tap Save Changes to update your profile. To change your password: 1. Tap Edit Password. The Password entry fields appear

57 2. Enter your old password. 3. Enter and confirm your new password and tap Change Password to update your password

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