Guide to Getting Started Personal Online Banking & Bill Pay
What s Inside Welcome to National Bank of Arizona s Online Banking. Whether you re at home, at work, or on the road, our online services are here for you 24 hours a day, seven days a week. This guide is designed to answer your questions about Online Banking and Bill Pay and explain how these services can help you manager your finances online. Learn how to: View account information Transfer funds Pay and manage bills Download account transactions Receive statements online Contents Security at National Bank of Arizona... 4 Getting Started Online... 5 Setting Up SecurEntry... 6 My Bank Overview... 7 Account Preferences... 8 Change Account Preferences... 8 Manage My Favorites View... 8 Message Center... 9 Secured Messages...9 Security Alerts...9 Account Alerts...9 Personal Reminders...9 Search Transaction History... 11 Download Account Transactions... 12 estatements and enotices... 13 Transfer Funds... 14 Add External Transfer Accounts... 15 Add Transfer-to-a-Friend Accounts... 15 Zelle... 16 Online Wires... 17 Bill Pay Overview... 18 Add Biller... 18 Make Bill Payments... 19 Schedule Repeating Payments In Advance... 19 Receive Your Bills Electronically... 19 https://www.nbaz.com Page 2
Receive Your Bills Electronically... 19 Other Services... 20 Request a Copy of a Check, Deposit, Withdrawal, or Statement... 20 Request Stop Payments... 20 Enhanced Account Protection... 21 Contact Us... 22 Please CLICK HERE to review our Digital Banking Service Agreement. The information in this Guide, and the look, feel, and operation of National Bank of Arizona s Personal Online Banking, are all subject to change by National Bank of Arizona at any time, with or without prior notice. https://www.nbaz.com Page 3
Security at National Bank of Arizona What We Do: National Bank of Arizona understands the importance of customer security. We employ many different types of technology to help protect your funds and account information when you use Personal Online Banking. For example: We use Secure Sockets Layer (SSL) technology to encrypt and to help protect your data as it crosses the Internet. We open sessions when you access Personal Online Banking, which expire within minutes of inactivity on your browser. We employ detection and prevention technologies to help protect our network and access to your information. We email Security Alerts to you automatically when certain high-risk activities occur online, such as Login ID changes, password changes, or when new External Accounts and Transfer-to-Friend Accounts are added to your profile. What You Can Do: Internet Security is a cooperative effort and we encourage you to exercise safe online banking practices, including: Keeping your information secure: don t share or write down your username or password; monitor your account regularly, check your statements promptly, and report any suspicious activity immediately; and sign up for estatements to keep paper statements from waiting in your mailbox for others to steal. Keeping your computer secure: use anti-virus and anti-spyware software and update them regularly; install intrusion prevention software; close your browser after logging out of your account; and update your browser to make sure you have the latest version. Bookmarking https://www.nbaz.com: access your NB AZ account by clicking on that bookmark, or by typing that address into your browser directly, rather than clicking on links embedded in emails or other websites; before entering your login credentials, verify that the s in https appears in your browser address line. Sign up for the services listed below Services Available to You: National Bank of Arizona has products and services designed specifically to help you avoid internal security breaches. We invite you to take advantage of these services to improve your internal security: Install IBM Security Trusteer Rapport Browser Protection Software: NB AZ lets you download Trusteer Rapport security software from IBM Security free of charge! Run Trusteer Rapport in addition to your anti-virus, anti-malware, and firewall software. Trusteer Rapport helps you protect your browser from malware attacks and fraudulent websites. Trusteer Rapport s innovative technology helps pick up where conventional security software fails. Opt out of traditional paper statements and receive only estatements: Avoid paper statements sitting around in your mailbox waiting for you to retrieve them. Online statements are password protected and encrypted on our online banking platform. Register for free estatements in Online Banking. Use Bill Pay to eliminate mail fraud: Stop the fraudsters from stealing your account information by directly receiving E-bills and paying them online. Enroll in Enhanced Account Protection: This mobile-based transaction authentication service adds an additional layer of security in Personal Online Banking. Transactions that meet the threshold defined by NB AZ Bank require SMS authentication before they can be completed. https://www.nbaz.com Page 4
Getting Started Online Logging into Online Banking is easy. Just open your Web browser and type nbaz.com in the address line*. You ll be able to view your account information, transfer funds and more in seconds. 1 Open your Web browser and type https://www.nbaz.com.* 2 Select LOGIN in the upper right corner Enter your Login ID and Password Not banking online yet? Click Enroll Now to get started today. Forgot your Password? Use our Password Reset tool to reset your password online. Looking for the nearest branch? Enter a zip code in our ATM & Branch Locator tool. *Look for the s in the https to verify you are at our secured site and then bookmark the page for future use. Avoid accessing your accounts by clicking links embedded in emails or other websites. Quick Tip: For your protection, if you or someone trying to access your accounts uses an invalid password three times, we will block your account. To regain access, please call us at 1-800-497-8168 Monday to Saturday 7am to 8pm MST. Once we confirm your identity, we will email you a temporary password. https://www.nbaz.com Page 5
Setting Up SecurEntry National Bank of Arizona has encryption, firewalls and intrusion monitoring systems in place to help prevent fraud. When logging in for the first time, you will be asked to provide identifying information that will help our system to recognize you when necessary. 1. Choose SecurEntry Challenge Questions from the drop-down menus. 2. Provide an answer to each Challenge Question. 3. Click Continue. 4. Review the answers you provided and then click Submit. These steps add extra layers of identification to help confirm it s really you logging in. https://www.nbaz.com Page 6
My Bank Overview My Bank Overview is the first page you see once you log in to Online Banking. Here s where you can see an overview and summary of your NB AZ Bank accounts. From the My Bank page, you can: Navigate to almost any feature in Online Banking with one click Create My Favorites account views. View prior day, current and available balances. See different account types in your profile. Click the Account Name to display detailed history for that account. Initiate Quick Transfers between accounts. Click the or to expand/collapse panels. View outstanding messages from the Info Center. See scheduled, pending and cleared transactions. Review credits and debits posting to your accounts. Review multiple pages of transaction history. Contact us, get help, or log out of Online Banking. View date and last login. https://www.nbaz.com Page 7
Account Preferences Change Account Preferences The Change Account Preferences page enables you to set preferences specific to each of your accounts in relationship with Online Banking. Use the Change Account Preferences page to: Define the account nickname. Define the default number of days cleared transactions are displayed in history. Define which account information is displayed in Online Banking. Define the default account. Manage My Favorites View My Bank Account Preferences page enables you to define multiple, personalized, account Favorites Views as well as define the default view displayed on the My Bank page. Navigate by clicking on the My Bank View > Manage Favorites View from the Favorites View consists of a selected group of accounts. When the view is selected on the My Bank page, the Account section of the page only displays the accounts defined in that Favorites View. You can manage and create new views by selecting the links on the page. https://www.nbaz.com Page 8
Message Center The Message Center is a centralized location where you can work with messages, alerts, and reminders. You can manage alerts and reminders for notification of account and transaction activities and events. These notifications are delivered to one or more locations, based on your defined delivery options. The Manage Alerts page enables you to create, edit, view, or delete alerts. Secured Messages The Messages feature in Online Banking enables you to send, receive, and view secured messages from the NB AZ Online Banking Support Team. Security Alerts When profile adjustments are made to your online banking profile, security alerts are automatically sent to your email address to provide you with information, such as when your password or login ID were changed. Security Alerts are automatically sent by email for the following online activities: New Transfer-to-Friend Account added to profile New External Account added to profile Login ID Change Password Change or Reset Account Alerts These alerts are optional. You can choose which alerts you want to receive, and then define specific details of the message. Account Alerts include period balance, alerts that an account balance is over or under a certain dollar amount, and successful transfers. Personal Reminders Reminders are notifications you can create to help you remember an event or task. You could set up reminders, for example, to remember to make a loan payment or to reorder checks. https://www.nbaz.com Page 9
Account Activity You can get detailed information* in two ways. You can either select an account from the list on the My Bank page, or you can use the Account Register link under the Accounts tab from the navigation menu. 1. From the Accounts tab, choose Activity. 2. Use the Account Register Selection to select an account and search by category. 3. Click View to see an overview of the account for the search by category you selected. 4. View up to 18 months of your transaction history, as well as pending transactions, scheduled payments, scheduled transfers, and check images. 5. Click on transaction links to see more detailed information, to view check images, or to adjust scheduled transactions. *Detailed transaction history is not available for certain account types. Quick Tip: You can sort your transactions by date, type, description, status, debit, or credit by clicking on the column headings. https://www.nbaz.com Page 10
Search Transaction History The Transaction Search page also makes it easy for you to locate and view detailed information about specific transactions. You can also view images of cleared checks and deposits by clicking on the transaction link. 1. Select account. 2. Choose the search criteria: Date Range, Check Number, Keyword, Amount, Deposits by Date or Withdrawals by Date. 3. Input the information and click. 4. You can begin a new search at any time by selecting. https://www.nbaz.com Page 11
Download Account Transactions To help manage your finances, download your transaction data into personal financial management software, such as Quicken or QuickBooks. Save time and monitor your cash flow with this convenient feature. 1. From the Accounts menu, choose Balances. 2. Select the appropriate download option. If your software is not on the list, you can choose the.csv format, which is compatible with most spreadsheet applications. 3. Click the Download button. The Download Activity page appears. 4. Click to select the check boxes for the accounts to download. 5. Select one of these options: All transactions since last download or date option. Quick Tip: Use your personal financial management software, such as Quicken or QuickBooks, to reconcile your accounts and forecast account balances. https://www.nbaz.com Page 12
estatements and enotices Receiving statements and notices online saves time and cuts down on paper clutter. This service is available for eligible deposit accounts and loans, for the life of the account. Online statements have the same information as the paper version and are available sooner. The bank notifies you through email when an estatement or enotice is ready. 1. From the Accounts tab select edocuments or from the Services menu, select estatements/enotices. 2. Select the My edocuments Preferences link under Quick Links to enroll into estatements or enotices. 3. Select to receive electronic versions of statements, notices, or both. Choose to go paperless by selecting the check box next to the account in the enrollment preferences or select Opt me out of paper delivery for statements and notices to apply the change to all eligible accounts. 4. And that s it! Online delivery will begin at the start of the next statement cycle. 5. Once enrolled, filter account statements or notices by selecting the account, document type, and the time-period desired. 6. Select the specific document by name to view the statement or notice. 7. View a list of enotices or your Statement Inserts using Quick Links. https://www.nbaz.com Page 13
Transfer Funds From the Transfers menu, you can access the Transfer Center, where you can create, edit and view transfers. You can also create, edit, delete, and view transfers to your External Account and Transfer-to-Friend Accounts. The Transfer Center provides a central place where you can view and manage transfers among your NB AZ accounts, or between your NB AZ account and an External Account at another financial institution. Using this page you can: View a list of scheduled, completed and all transfers by a specified date range Create a printable view of the transfers list Create a transfer View and print a transaction receipt View an individual transfer Edit a scheduled transfer View the history for a scheduled transfer Delete a scheduled transfer Other Accounts provides a central place where you can view and manage your External Transfer and Transfer to a Friend Accounts. View status of pending External Transfer Accounts Add External or Transfer to a Friend Account Change nickname for the accounts Delete accounts you no longer need https://www.nbaz.com Page 14
Add External Transfer Accounts Add accounts you hold with other financial institutions to make transfers between the external account and your NB AZ accounts. With an external account you can transfer funds, but you will not be able to view the balances or history of the external account. Enter your account number, account type, bank name and bank ID (routing number). Note: You can also add friend accounts at other financial institutions to make transfers between your NB AZ accounts and your Friend s External Account. Simply complete the form under the Other Accounts submenu titled Add Friends External Account. Add Transfer-to-a-Friend Accounts Transfer-to-Friend Accounts are owned by someone else. Your permission with this account type only allows you to transfer to the account. You can add a Transfer to a Friend account to which you can transfer funds, if the friend s account is held at NB AZ and the friend is also enrolled in Business or Personal Online banking. Enter your friend s NB AZ account number. Once added, this account will be displayed in the transfer list of available accounts to credit. https://www.nbaz.com Page 15
Zelle Easily send month to people you know and trust. It s a great way to send and receive money you can easily split the bill, request month for a group gift or pay back your roommate for your share of the rent. 1. From the Payments tab select Send Money. 2. Follow the on-screen instructions to complete enrollment. 3. That s it! You re all set to send and rqeuest money. 4. Click HERE to watch a short video on Zelle! https://www.nbaz.com Page 16
Online Wires If you have a need to send wire transfers, you can enroll for Online Wires and initiate wire transfers from the comfort of your home or office. 1. From the Payments tab select Wires Application. 2. You can enroll for online wires by following the screen prompts. Or, you can obtain the paper Wire Application and Agreement by visiting the online Agreement Center. 3. Once your application has been approved, you will receive an email with a step-by-step guide to walk you through the entire wire process. 4. Access your wire history online, anytime. 5. It s Simple, Easy and FAST! https://www.nbaz.com Page 17
Bill Pay Overview Pay bills your way with Bill Pay. It saves you time and is convenient. You can schedule recurring payments for bills that are due the same time each month, like your car, mortgage, or cable payment. Or, make payments manually each time. You choose. Add Biller To begin paying bills, you need to add a biller (payee). A biller is any company or person you pay, such as your utility company, cable provider or baby sitter. You ll need biller information (i.e., a recent bill or statement) to get started. 1. Select the Add a company or person to pay button and select a category or use the search field. 2. You will then be instructed to provide the account number and billing address of the payee. 3. Click Add Bill and the new payee will be added to your payee list. https://www.nbaz.com Page 18
Make Bill Payments Making payments with Bill Pay is easier than writing a check. Select the payee and enter the amount and date that you want your payment delivered by. Then click Make Payments. The item will move to the Pending Payments section. You can edit or cancel a payment up until it is processed. Schedule Repeating Payments In Advance Pay regularly occurring bills for a fixed amount, such as a mortgage or car payment. 1. Select Add an automatic payment from Manage My Bills. 2. Set the specifics (amount, frequency, delivery date, etc.). Receive Your Bills Electronically An E-bill is an invoice from a biller that you can view and pay online through Bill Pay. E-bills contain the same information found in a paper bill. If your biller has the capability to send an E-bill, there will be an option next to the biller name. 1. Select Get Bill next to the payee to start a Trial E-bill or set up your E-bill service. (A Trial E-bill allows you to try the service for 90 days while still receiving a paper bill in the mail.) 2. At 14 days prior to the end of the Trial E-bill period, messages advise you on the steps to take to continue the E-bill service. 3. If a Trial E-bill period expires and no action has been taken, a message advises you that the E-bill is no longer active. 4. Following the simple steps to continue the E-bill service offers easy, online access! https://www.nbaz.com Page 19
Other Services The Services menu provides you with other online services that are convenient, that save time, and that can be done right within Personal Online Banking. There s a variety of online service options available to you. Request a Copy of a Check, Deposit, Withdrawal, or Statement Occasionally you may need to order a copy of a check or a withdrawal slip. Simply fill in the details, submit the request, and the bank will send the item through the mail. It s just as easy to request copies of other items. Keep in mind that you still have the option of viewing copies of checks and transaction slips in your online transaction history or even in your estatements. Request Stop Payments You can also make online requests to stop payment on certain types of checks. Simply fill in the details, submit the request, and the bank will begin processing the stop payment. Online requests to place stop payments can take one full business day to take effect. https://www.nbaz.com Page 20
Enhanced Account Protection Enhanced Account Protection, or EAP, is a mobile-based transaction authentication service that adds an additional layer of security to help protect your account from fraudulent transactions. If you are enrolled in EAP, certain online activity will require authentication via SMS text messages before the request can be completed. 1. When online activity requires EAP, you are presented with a page where you must successfully enter the correct PIN and SMS token code before the online request can be completed. You define your PIN when you enroll in Enhanced Account Protection. 2. The token code is system-generated and is sent to your mobile device as a text message, along with the transaction information or activity being requested. This unique token code is only valid for one transaction at a time and expires after 8 minutes. You can also become locked if there are too many unsuccessful validation attempts. https://www.nbaz.com Page 21
Contact Us Ready When You Are. Banking at National Bank of Arizona. At National Bank of Arizona, we understand the importance of providing access to your financial information when you need it. And we want to be there when you d like to speak to a real, live person as well. To contact a NB AZ Bank representative by phone (Monday Saturday from 7am 7pm MT) please call 1-800-497-8168, Option 4 or choose from the other options listed below. Banking and Customer Service (or to report unauthorized or erroneous transactions): 1-800-497-8168 (Monday Saturday, 8 am 8 pm MST) Online Banking Support: 1-800-884-6725 (Monday Saturday, 7am 8pm MT) PC Banking Software Support (Quicken & QuickBooks): 1-800-884-6725 (Monday Friday, 8am - 6pm MT) Report a lost or stolen credit card: 1-888-758-5349 Consumer Loan Payments can be mailed to the following address: National Bank of Arizona P.O. Box 30813 Salt Lake City, UT 84130 https://www.nbaz.com Page 22