/ 1. Online Banking User Guide SouthStateBank.com / (800)

Transcription

1 / 1 Online Banking User Guide SouthStateBank.com / (800)

2 Welcome Thank you for using South State s Online Banking. Whether you are a first time user or an existing user, this guide will walk you step by step through our Online Banking and how to use it. Our free service allows you to do your banking anytime and anywhere so you can focus on what matters most. Support Hours Monday Friday: 8am 7pm Saturday: 8am 3pm Member FDIC

3 Table of Contents A. Security Identifying You Identifying Us Secure Webpages Firewall Automatic Log Out B. How to Enroll How do I enroll? First Time Login C. Home Accounts Transfers Recent Transactions Alerts BillPay D. Account Information Transaction History Search Transactions Categorize E. Transfer Funds Internal Transfers - Same Day Transfers - Scheduled Transfers Recurring Transfers External Transfers (Bank to Bank) - Set Up an External Account - Schedule a Transfer - Manage Accounts Reorder Checks F. Documents, Mail and Credit Cards View estatements Send Secure Messages Access Credit Card Information G. BillPay and Popmoney Setting Up BillPay Paying a Bill Same Day and Next Day BillPay Recurring Payments History ebills Reminders Popmoney H. Stop Payment I. Profile estatement enrollment J. Mobile Banking Access Options Enrollment Instance Balance Mobile Deposits Text Banking Mobile Deposits K. Quicken Direct Connect Web Connect

4 Security / A1 Security Keeping your information safe and secure is important to us. We use multiple layers of protection to help us identify you and for you to identify us. Identifying You Online Banking identifies and authenticates you and your device each time you log in. Here s how it works. A valid Username and Password must be entered correctly to log in. Challenge Questions are created the first time you login. You will be asked to answer a Challenge Question or receive a one-time passcode to log into Online Banking. The device you are using to log in computer, mobile phone, or tablet must be recognized and registered through Online Banking. Your location is detected as you log in to Online Banking. If a login is made from a new location, (for example while you are on vacation) you may be prompted to answer one of your challenge questions. Identifying Us Each time you log in, the system will verify you through your Username and Password. It also lets you identify us by using an Extended Validation (EV) certificate. EV certificates are an anti-phishing security feature, providing a visual confirmation that you are on an authentic website. With this certificate, you will see some or all of the following features to verify you are entering our secure site: All or part of your website address bar will be green. Our Online Banking partner s name, Fiserv, Inc. or Trusted will appear in the address bar. A padlock icon will appear in the address bar. The EV certificate may display differently depending on the type of web browser you use. Secure Webpages Our website and Online Banking both utilize Secure Sockets Layer (SSL) protocols. SSL provides a secure channel for data transmission by encrypting the data and ensures the data cannot be altered during transmission. To use Online Banking, South State Bank requires an internet browser that supports 128-bit encryption. Please note: anytime you see a website that begins with https instead of http, you know you are using a secure connection through SSL. In addition to SSL encryption, South State Bank was issued a certificate for the bank s server. This means our Online Banking is a safe and secure site that has been verified and passed a malware scan. Firewall To stop unauthorized users from reaching our bank s servers, we utilize hardware and software firewalls. These firewalls act as a communications filter to stop malicious communications. For added security, your data passes through a series of firewalls that scramble your information to ensure only authorized South State Bank representatives can read it.

5 Security / A2 Automatic Log Out Using the Log Out button on any site is the best way to safely end the secure connection between your computer and a server. Online Banking has an automatic log out feature that will automatically end your session if there is no activity for 15 minutes. Forgot Password If you forget your Password, you can reset it by clicking Forgot Password on the login screen. From there, follow the instructions on the screen to reset your Password. Your new Online Banking Password must include between 8-17 characters, at least one number, one uppercase letter and one lowercase letter.

6 How to Enroll / B1 How to Enroll Enrolling in Online Banking and Mobile Banking only takes a few minutes. You will need your South State Bank Account Number and Phone Banking PIN. Your Initial Phone Banking PIN will be the last four digits of your Social Security Number. How do I enroll? 1. Visit SouthStateBank.com or download and open the South State Bank Mobile Banking App. Click Enroll Now at the bottom of the View Your Accounts box or from the Mobile Banking App. 2. Complete the enrollment form and click Submit. 3. Read the Agreement and click I Agree. 4. Next, you will set up your Security Information. This consists of confirming your address and selecting and answering three Challenge questions. 5. Create an Username and Password, then click Submit. 6. You will now be directed to your Online Banking or Mobile Banking account.

7 Home / C1 Home Once you log in to Online Banking, you will see the Home page. This page allows you to quickly access commonly used features. 1. List of Accounts 2. Transfers 3. Recent Transactions 4. BillPay 5. Alerts Accounts The Accounts Section will display all of your accounts with current balances. Each account is an active link, allowing you to get additional detail by clicking on your account name. You can also initiate a transfer and view recent transactions. Transfers To make an internal transfer from one South State account to another, select transfer next to the account or in the top navigation. Then, you can initiate a one-time, scheduled or recurring transfer. Recent Transactions From the Home page, click Recent next to your account to view the last 10 transactions. To view more transactions, click on your account and view the Transactions section. Helpful Tip Click into each account to view account details and additional information.

8 Home / C2 Alerts Alerts are a great way to manage your accounts. You can set up a low balance or daily balance alert and stay on top of your money. Visit our website to see a complete listing of all alerts. Setting up a new alert: 1. Log in to Online Banking. 2. On the top of the screen, click on Alerts. 3. Click Alert - Checking or Alert - Savings from the pop-up box. 4. Click Setup New Alert. 5. Choose an Alert from the drop down box and click Next. 6. Fill in the appropriate fields and click Finish. 7. You will receive an or text notification to confirm you have registered for Alerts. BillPay The BillPay section on the Home page is an easy way to pay a single bill or a person once you are enrolled in BillPay. Please note billers and people cannot be added from this screen. To add or edit payees, click on BillPay at the top of Online Banking. Bill payments set up within BillPay will be paid according to how the biller will accept payments. One of the following will occur: The payment amount is debited from your account and sent electronically to the biller. The payment amount is debited from your account, converted to a check, then mailed to the biller. A check is created for the payment amount and mailed to the biller. Once the biller receives and deposits the check, the amount is debited from your account.

9 Account Information / D1 Account Information Detailed account information is available for each of your accounts. Once you click on one of your accounts from the Overview page, you will have several new options. Search Transactions The Search Transactions section under account activity allows you to do a simple or in-depth search on your transaction. You can search for transactions by amount, amount range, check number, date or date range. Categorize Your spending by account is automatically categorized for you and displayed in colorful charts. By clicking categorize, you can easily see an expense report and an income report for a specified time period. Transaction History Under the Account Information section, you will be able to view your transaction history, search and export transactions and download current and previous statements. Your transactions can easily be sorted by any of the column headers: Date, Description, or Amount. You can also view an image of the check as soon as it is processed by the bank just by clicking on the check number. You can rotate the check, view the back of the check, or print it from the file menu. Changing Categories Click the pencil icon next to the transactions and category you want to change Then, choose the new category from the drop down menu and click the Save icon If a business is not automatically categorized, you can request that it be added. Please call Customer Care or your Personal Banker. Report To view an expense report and income report, follow the instruction below: Complete the fields under Transaction Activity and click Report. Your expense report and categories and income report and categories will display.

10 Transfer Funds / E1 Transfer Funds Internal Transfers Same Day Transfers Same Day transfers allow you to transfer funds from one South State Bank account to another and takes place immediately. You can initiate a transfer from the items page or from the accounts page. Scheduled Transfers Scheduled transfers allow you to choose a future date to transfer funds from one South State Bank account to another. This can be accessed from the Home page or once you click into an account. Recurring Transfers By setting up a recurring transfer, you have the option to repeat a transfer for the frequency you choose, the date you prefer and for a specific length of time. Recurring transfers can be set up on the Home page or from an account s page. Helpful Tip The cut off time for internal transfers is 8:30 PM EST. Any transfer initiated after this time will be posted the next business day. External Transfers Bank to Bank Transfers This service allows you to transfer funds between accounts you have with us and other financial institutions. There is a fee for this service. To access this service, simply click on Transfers from the top of the Home page and select the Bank to Bank Transfers link. Set Up and Validate an External Account There are two ways you can set up and validate an external account. Please note the option you are given to validate your external account is based on what s required from the other financial institution. 1. Online Banking Credential Verification confirms your access to the account through an Online Banking account with the other financial institution. You will be required to enter your login credentials for the other financial institution to validate Once your external account is validated, you ll have transfer capability immediately Not all banks participate in this method of validation 2. Trial Deposit Verification confirms your access to the account through two small deposits made to your external account. After entering your external account information, the system will send two small credits to your account at the other financial institution. It may take 1-2 days to receive Once the credits have been received, you will login to South State s Online Banking and enter the amounts. This confirms that you have access to the account To confirm the amounts, log in to South State s Online Banking Click on an account and then on Bank to Bank Transfers Next, click on Manage Accounts and enter the deposit amounts for the financial institution that you are setting up If Trial deposits are entered incorrectly, you will need to remove the account and renter the information to begin the validation process again

11 Transfer Funds / E2 Schedule a Transfer Once your external account has been validated, you are ready to transfer funds. Simply click on the Transfer Funds link and enter the appropriate fields. Please note Bank to Bank Transfers have a three (3) day delivery speed. Manage Accounts The Manage Accounts tab is where you Edit, Add, and Delete your external accounts. Reorder Checks To reorder checks, first click into the account you would like to order checks for. Then click Reorder checks. Please note to reorder checks online, you ll need your account number and routing number from your checks. Helpful Tip The cut-off time for Bank to Bank transfers is 1am EST. All transfers can be canceled until the 1am EST cut-off time. After this time, all transfers will be processed and can not be canceled.

12 Documents, Mail and Credit Cards / F1 Documents, Mail, and Credit Cards View estatements and Check Images Once you click into an account, the Documents tab will allow you to access your historical statements (estatements), as well as check images and notices. You can search by date range and by account. You ll have access to approximately two years of statements and 90 days of check images. Send Secure Messages At any time you can send our bankers a secure message with a question, and we ll respond within hours. Simply click on the Mail link at the top of Online Banking. From here, you can compose a new message, view previous message or reviews sent mail. Access Credit Card Information If you have a South State credit card, you can access your credit card transaction information by clicking on the Credit Cards link. Please note that you will have to use a separate login for this site. If you have not enrolled for credit card access online: Click the Credit Cards link within Online Banking On the credit card login page, click enroll at the top Enter the required fields and click Submit

13 BillPay and Popmoney / G1 BillPay and Popmoney Managing your bills can be quick and easy. In addition to paying bills online, you can set up automatic payments and reminders, receive ebills instead of paper statements, and even pay a person. Setting up BillPay To access BillPay, log in to Online Banking. Next, click BillPay at the top of the screen. The first time you access BillPay, you will be asked to agree to the Terms and Conditions and verify your information. Now, you are ready to set up your billers. 1. Click Add a Company or Person. You will have different options for how to set up a biller. Company Search for the company name (or you can enter all information from a current bill). Enter additional information such as account number and mailing address. Person Add based on an or mobile number through Popmoney or address to mail a check. 2. Enter required information about the biller and click Add. 3. Next, enter in the amount and date of payment next to the company or person you would like to pay. Click Make Payments at the bottom. You will have a chance to review and confirm all payments. Helpful Tip If you need assistance with BillPay, please give us a call at (800)

14 BillPay and Popmoney / G2 Paying a Bill Once you have set up your billers, you are ready to pay a bill. Simply enter the amount and date of payment next to the company or person you would like to pay. Once you ve entered in one or multiple billers to pay, click Send Money at the bottom. Same Day and Next Day BillPay If you forget to pay a bill and want to avoid it being late, we have two options within BillPay - Same Day($9.95) and Next Day ($14.95) BillPay. Based on the biller, you will either be given the option to pay the bill electronically the same day or overnight by check the next day for a fee. For each bill that is available for the service, you will see a highlighted date with a fee. These options are only available within Online Banking accessed on a computer, not through Mobile Banking. Next, review and confirm all payments are correct and click Submit Payments. Please note: If you have BillPay set up on multiple accounts, please be sure to select the account you wish to use to pay your bill in the drop-down box in the Payment Center. To set up additional accounts for BillPay, contact us at (800) Helpful Tip You can schedule a payment up to a year in advance. The cut-off time for Next Day BillPay is 4 PM EST. The cut-off time for Same Day BillPay it is 10 PM EST. History You can view your BillPay history on the right side of the screen or by clicking activity at the top of the BillPay screen. If you need to search for additional history, simply click the View Activity link at the bottom.

15 BillPay and Popmoney / G3 Recurring Payments You can send payments automatically for bills that have a fixed amount due each month (ex: car payment). You also have the flexibility to pick the date and duration, as well as receive notifications when the payment has been sent. To get started: 1. Click the AutoPay link. 2. Fill in appropriate fields. 3. Click Start Sending Payments. ebills ebills are an electronic version of your bills. If an ebill is offered by one of your billers, you will see an ebill link next to the AutoPay link below each biller name as well as a Get ebills flag under the payee details. To get started: 1. Click the ebills link then Get ebills. 2. Enter and/or verify your information 3. Agree to the Terms & Conditions. 4. Click the Add button. Once a recurring payment has been scheduled, a graphical on indicator will appear next to the AutoPay link. Once you have enrolled in ebills, active ebills will be represented with a graphical On indicator next to the ebill link.

16 BillPay and Popmoney / G4 Once your new ebill arrives, we will notify you several ways. 1. You will receive an notification with details of the bill. 2. When you access BillPay online, a ribbon will display by the biller name with the due date and amount. 3. Through our South State Mobile Banking app or Mobile Banking Internet Browser, you will also have a notification under BillPay that shows you when an ebill has arrived. Reminders BillPay Reminders are a perfect way to stay on top of your bills. Some of the reminders that you can set are: Remind me when a bill is due Remind me if it is not paid by the due date Notify me when a payment has been sent. Popmoney Popmoney is a convenient way to pay a person. You don t have to write a check, and the money is deposited directly into their account once they ve entered their information. We ll also send you notifications throughout the process so you know when the money has been delivered. You only need an address or mobile number to get started. As a new user, you will need complete the following steps to verify your address or phone number before receiving your first incoming payment: 1. Navigate to the Popmoney tab 2. Select the Preferences section 3. Click the Verify link 4. You will receive an with a six-digit verification code 5. Input the code into the Verification Code box 6. Click the Verify button Popmoney can be accessed through Online Banking and Mobile Banking. Fees may apply, see banker for details. Must have an open U.S. bank account. Non-customers must register on Popmoney. com to receive funds. Customers must be enrolled in BillPay to use Popmoney. Cannot process to foreign countries. Popmoney is a registered trademark of Fiserv, Inc. or its affiliates.

17 BillPay and Popmoney / G5 Sending Money Through Popmoney Online Banking 1. Login to Online Banking and click BillPay. You must be enrolled in BillPay to use this service. 2. Click Popmoney 3. Select Send Money or Request Money 4. Enter the person s address or mobile number, the amount you want to send/receive and a personal message. If you know the person s account information, you can use the option to pay as a direct deposit. Mobile Banking* 1. Login to Mobile Banking 2. Click Payments, then Pay a Person 3. Select Contact to pay, or Add New Contact 4. Select From to choose which account you would like to pay from 5. Select Amount to enter the amount being sent, then click Done 6. Select Message to include personalized message to recipient, then click Done 7. Click Next at the bottom 8. For your security, please enter in your Password and click Next 9. Review Payment then select Confirm *This service is not available with Text Banking. Receiving Money Through Popmoney Automatic Deposits This feature allows money sent to you through Popmoney to be deposited automatically into your account. To activate: 1. Navigate to the Popmoney tab 2. Select the Preference section 3. Under Accounts, you will see Automatic Deposit 4. Select the Enable radio button Please note Popmoney defaults to disabled for all new users. If this option is not selected, you will need to take the following steps to deposit the money in to your account. 1. Navigate to the Popmoney tab 2. Select the Overview section 3. Your incoming payments will be displayed 4. Click Deposit next to the payment you want to receive

18 Stop Payments / H6 Stop Payments A Stop Payment can be placed on a check only and is valid for six months. Please refer to the Online Banking confirmation screen for the stop payment fee. To place a stop payment, you ll need to enter the following information on the Stop Payment screen. Enter the check number Enter the amount of the check Enter the Payee information on the check To view previously issued stop payments, view the Issued Stop Payments section on the Stop Payments page.

19 Profile / I1 Profile Under the Profile Tab, you can manage your personal information and access resources on how to use Online Banking. Under the Profile Section, you can: Edit Passwords Edit Address Edit Challenge questions Enroll for estatements Enroll for Mobile Banking View Phone Number For security purposes, we will send confirmation s once you change this information.

20 Profile / I2 estatements Enrollment Electronic statements are the fastest, safest, and most convenient way to receive your monthly bank statements. They are just like paper statements, but can be accessed securely through online banking. estatements are available for any checking, savings, or home equity line of credit. Internet access and a few simple clicks are all you need to sign up! If you are a secondary account holder or a HELOC customer, please visit SouthStateBank.com/estatementenrollment to enroll for estatements. How to enroll in estatements 1. Go to SouthStateBank.com. 2. Login to Online Banking. 3. Click on Profile in the top right. 4. Scroll down to the estatement section and click Edit. 5. Select the account(s) that you want to sign up for estatements and confirm your address. 6. Check the box that you agree to the terms and click Submit.

21 Mobile Banking / J1 Mobile Banking Mobile Banking is a secure way to access your account, pay bills, pay people, transfer money between your South State accounts, and find the nearest branch or ATM location. Mobile Banking can be accessed through: 1. South State Mobile Banking App (iphone and Android Only) 2. South State ipad App 3. Mobile Internet Browser (any phone with Internet access) How Do I Enroll? Mobile Banking App 1. Download the South State Bank Mobile Banking App. Click the Enroll Now button in the Mobile Banking App. 2. Complete the enrollment form and click Submit. 3. Read the Agreement and click I Agree 4. Next, you will set up your Security Information. This consist of confirming your address and selecting and answering three Challenge questions. 5. Create an Username and Password, then click Submit. 6. You will now be directed to your Mobile Banking account. ipad App 1. Please note that you must already be enrolled in Online Banking or Mobile Banking to access your accounts. 2. Go to the itunes App Store. 3. Search for South State Mobile Banking for ipad 4. Once you install the App enter your Online Banking Username and Password. Mobile Internet Browser 1. Login to Online Banking. 2. Click Profile, then Account Services at the top and scroll to the Mobile Banking enrollment section. 3. Agree to the Terms & Conditions. 4. Select the box for Mobile Browser and follow the prompts. 5. Next, you will receive text(s) with instructions on how to access your accounts. *Message and data rates may apply. Apple and the Apple logos are trademarks of Apple Inc., registered in the U.S. and other countries. iphone and ipad are trademarks of Apple, Inc. App Store is a service mark of Apple, Inc. Android is a trademark of Google, Inc. Blackberry is a trademark of Research In Motion Limited. Instant Balance (Mobile App Only) To turn feature on: 1. Update your South State Mobile Banking App to the latest version. 2. Click on the Instant Balance icon above the username field. 3. Click Log in and Set up. 4. Enter your Password and click Log In. 5. Slide the Instant Balance button to green. 6. Choose the account balance(s) you want to view (choose up to six) and click Save. From Log In page, click the Instant Balance icon (above username field).

22 Mobile Banking / J2 Mobile Deposits Mobile Deposits is an easy way to deposit your checks anytime, anywhere. To get started, enroll in Mobile Banking and download our South State Mobile Banking App. Then, take a photo of your check using your smartphone or tablet. It s that easy! How it works 1. On the back of each check, sign your name and write Mobile Deposits on MM/DD/YY (current date). 2. Log into Mobile Banking using your smartphone or tablet. 3. Tap Deposits at the bottom of the app. 4. Select Deposit Check. 5. Select the account you wish to deposit into. 6. Enter the check amount you are depositing. 7. Click each link to take a photo of the front and back of your check. 8. Click Next. 9. Confirm your deposit details and tap Yes or No. 10. To review your pending deposit, go to Deposits and tap on Deposit History. It may take up to three business days for the funds to be available in your account. Text Banking Text Banking offers an on-the-go resource to get quick responses to inquiries about your account(s). You can: 1. View Account Balances 2. View Recent Transaction History 3. Locate a branch or ATM How to Enroll: 1. Login to Online Banking. 2. Click Profile, then scroll to the Mobile Banking enrollment section. 3. Agree to Terms & Conditions. 4. Select the box for Text Messaging and follow the prompts. Next, you will receive text(s) with instructions on how to access your accounts. Once Enrolled: You can text the following short codes to to receive information about your accounts: BAL - Request Balance HIST + Text Nickname - Request Transaction History ATM + Street or Zip - Find Location of Nearest ATM Branch + Street or Zip - Find Location of Nearest Branch Helpful Tip You can click on Deposits and then Deposit History to see the status of your deposit. Visit our website for frequently asked questions and an online demo.

23 Mobile Banking / J3 Fingerprint Login Login without a password when you enable Apple Touch ID/Android Fingerprint ID from your phone. Enjoy a secure and faster log in process with just a touch of your finger. To enable, follow these steps: 1. When you log into the Mobile App from your phone, Apple Touch ID 1 / Android Fingerprint ID will appear on the bottom left of the login screen. 2. Once on the Apple Touch ID/Android Fingerprint ID Settings page, toggle to On position to enable. 3. After enabling Apple Touch ID/Android Fingerprint ID, you will be automatically promoted for a fingerprint when the app is launched. 4. For security reasons, we will require a password when transferring money, paying bills or paying other people. In this case, a password will only be requested once during a single user session. 1. Apple Pay and Touch ID are trademarks of Apple Inc.

24 Quicken / K1 Quicken South State s Online Banking supports Quicken and QuickBooks financial software to manage your finances. You have two options for downloading your transactions, Direct Connect and Web Connect. Both options are available at no charge. Direct Connect Establishes a connection between Quicken and South State s Online Banking to automatically update without having to import transactions. Web Connect Allows you to download your account information from South State s Online Banking and then upload to Quicken. Please visit SouthStateBank.com to access our Quicken reference guide on how to disconnect from a previous financial institution and to reconnect under South State Bank. Quicken is a trademark and service mark of Intuit, Inc., registered in the United States and other countries.