MORE Banking Online and Mobile Banking User Guide
Table of Contents Signing Up 1 Forgotten Password 1 Account Listing 1 Account View Maintenance 1 Account History Download 1 Transfers 2 Buddy Payments 2 Wire Orders 3 Cash Orders 3 Check Orders 3 Draft Orders 4 Alerts 4 Secure Messaging 5 Change Card Address 5 Stop Payments 6 Report Lost or Stolen Card 6 Payroll 7 MORE banking i
Signing Up To apply for MOREBanking you must complete our Online Banking Application Form and sign the Agreement. These forms can be obtained by downloading them from our website www.ecabank.com or by visiting any of our four (4) Branches. Change/Forgotten Password To change your password click on the change password option in the settings tab at the top of your home screen. The following screen will be displayed: Input your current password, input your new password and confirm it. If you have forgotten your password please select the Forget Password option on the login screen, enter your response to the security question you would have entered on your initial log in and an email will be sent to you with a link to change your password. If you have forgotten your security answer or suspended your account after the third attempt please contact the bank by sending an email to info@ecabank.com Account Listing and Account View Maintenance When you login to MoreBanking the home screen will automatically display your account listing. You can manage the viewing order of your accounts under Accounts> Account View Maintenance. On this screen you can change account order, input account aliases and hide accounts. Simply click and hold any account and move it up and down to re-arrange the account order. To hide accounts, simply tick the check box under Hide Account beside the account you do not wish to see on the NB. You are not able to hide accounts if they are attached to an alert, text payment, or set up for a main accounts page or on merchant payment. If you have alerts attached to the account you wish to hide, they will remain visible. drop-down lists throughout You will not be able to set up NEW alerts using this account. the application. To set up an alias, click on the Setup alias link. Follow the prompts to give your accounts aliases. Account History Download You can download statements and view transaction history details under Accounts> Account History Download. You can select an account, the length of history required and the file format you prefer. You can choose to download the file to your computer or have the file emailed to you. 1
Transfers Internal Transfers by Web You can access this function by clicking on the Transfers link on the main menu once you have logged in securely. The following screen will be opened: 1. Select the account that you want to transfer money from. 2. Select the account that you want to transfer money to. 3. Enter the amount you want to transfer, and click on Transfer button to proceed or select Cancel to go back to the previous screen. A confirmation screen will appear. 4. Click on Confirm button to proceed with the transaction. 5. The security code entry box will appear. Go to your email to retrieve the code. 6. Enter the code and select submit. * Click on Cancel button if the input information is incorrect and you wish to update again. Buddy Payment Create a Buddy Account You can create buddy payments under Payments> Make a Payment >Add a Buddy 1. Enter a Nickname for your Buddy (It can be any combination of letters and numbers up to 15 characters but without any spaces). 2. Enter your Buddys Mobile ID (the previouslycreated Mobile ID of the buddy they are attempting to pay). 3. Enter the Account Number you wish to make a payment to. 4. Enter the narration you would like your buddy to see in Transaction Reference. Making a Buddy Payment 1. Select Make a Payment. 2. Select Pay next to the Nickname of the Buddy you wish to pay. 3. Choose the from account to debit to pay your buddy. 4. Input the Amount you wish to pay. 5. Click pay. 6. The security code entry box will appear. Go to your email to retrieve the code. 7. Enter the code and select submit. 2
Orders Wire Orders You can make a wire order under Orders>Wire transfer. 1. Fill out the payment information. This includes the account you wish to debit, the amount of the wire and the reason for the transaction. 2. Fill out the beneficiary information, this includes the name and address of the beneficiary. 3. Fill out the beneficiary bank information. This includes the bank account number, IBAN, swift code, name and address of the beneficiary bank. 4. You can fill in the optional intermediary and correspondent bank information, if necessary. 5. Click ok to complete your order. N.B. You can tick the box which will alert you when your wire has been sent. Cash Order You can make a cash order under Orders>Cash Order. 1. Select the desired currency and click OK 2. Select the quantity of the bills or coins required and the totals will automatically populate in the table. 3. When you have completed your order select the branch you would like to collect the order and the collection date. 4. You can choose to tick the box which will alert you when your order is ready for collection. Cheque Orders You can Make a Cheque Book Order under Orders>Cheque book Order. 1. Select the account you wish to order cheque books for. 2. Select the amount of cheques required.* 3. Insert the last cheque number of your previous cheque book for that account. 4. Select the date you would like to collect your cheque book. ** 5. Tick the box to receive notification when your order is ready. 6. State in the special instructions your choice of Register, Stubs or Commercial Book and the total number of books required. *The Eastern Caribbean Amalgamated Bank only provides books of 24, 48 or 99 cheques. **Please set pickup date to 3 business days in the future. 3
Draft Order You can order drafts under Orders>Draft Order. 1. Select the type of Draft either Local or International. 2. Input requesting customer information as follows: Draft Amount From Account Address City Country Branch for Pickup Date Needed Input Beneficiary Customer information, as follows: Customer Name Address City Country Remittance information Special Instructions You can tick the box to send an alert when your draft is ready for collection. Alerts The alerts tab allows you to customize exactly which alerts you would like to receive. The alerts are first grouped by account type. Chequeing alerts are at the top, then Savings alerts followed by Certificate of Deposits alerts. International debit card and point of sale alerts are automatically set up for all customers as an added security feature. Enable an Alert If a customer has not activated an alert for any of their accounts, they must click the Enable button in the right hand side of the screen. You can select to enable alerts for: 1. All accounts: Choosing this option will enable the alert for all accounts 2. Select accounts: Choosing this option will allow you to determine which accounts you wish to have this alert activated for. Disable an Alert From the main alert screen,you can disable the alert for all accounts by clicking on the Disable button on the right side of the screen. Requests to disable International Debit Card and Point of Sale alerts must be submitted to the bank. This is not recommended. Alert Limits Where applicable, you will be prompted to select an alert limit dollar amount once you have clicked enable for an alert. 4
Secure Messaging Secure messages enable you to communicate directly with the bank. You can use this medium to send secure account related information and documentation. Messages can only accept commas and periods. Do not use other punctuation. You can access secure messages under Services> Secure Messaging> Send a Secure Message. Change Card Address You can request to change the secondary address on your card under Services>Change Card Address. 1. Choose a Card Type from the drop down list. Available values are Debit or Credit. 2. Choose an address type from the drop down list. The available value is Second Address to be Added. 3. Choose an account number from the drop down list. 4. Input your street address on Line 1, you can use Line 2 if needed. 5. Input the City. 6. Choose your country from the drop down list provided. 7. Enter your postal code, if required 8. Enter your home phone number the phone number must be entered without spaces or dashes. 9. You have the option to enter your business phone number or other phone number without spaces or dashes. 10. Clicking on the Update button will send you to a confirmation screen where you can review your request. 11. If you are satisfied with the information entered, you can click on the Confirm button. This will complete the request and submit your request to the bank. 5
Stop Payments You can access Stop Payments via the Services tab on the main menu. You can choose to create a new stop payment or view your Stop Payment history. Create Stop Payment 1. Choose the chequeing account from the drop down list provided. 2. Enter the Cheque number or cheque sequence. 3. Enter the Cheque amount or amount range. 4. Enter the payee name. 5. Enter the reason for the stop payment. 6. Click on Create to submit the stop payment request. You will be presented with a confirmation screen. When you are satisfied with the information entered, click on Confirm to submit the stop payment. If you choose not to continue, click on Cancel. This will send you back to the previous screen where you can make additional changes or cancel the request. Stop Payment history You can view previous stop payments under Services >Stop payment >Stop payment History. Choose the account number from the dropdown box and click Go. This will produce a report detailing the stop payment history for that account. Report Lost or Stolen Card You Can report a lost or stolen card under Services> Card > Report Lost or stolen Cards. 1. Select card type, the available values are Debit and Credit. 2. Choose an account number from the dropdown list provided. 3. Choose a reason from the dropdown list provided. The available values are Lost or Stolen. 4. Click submit. This will generate a message that will be sent to the bank. This is not an automatic service request. A representative from the bank will contact you to complete this request. It is recommended that you contact the bank, or the number at the back of your card after hours if you have not been notified within 24 hours. 6
Payroll Payroll service has to be requested from the bank and is not automatic without completing the agreement form. Please contact the following numbers if you require to setup online payroll services 268-480-5388/268-480-5432. You can create a payroll under Payments>Payroll. You must first create the department of people you would like to post their payments to. Once the department has been created, you will be able to post payroll to the members of the department. Please note that you can only add members that have an ECAB Online banking account. You will need to obtain the employee s Full Name, Account number and the type of account (E.G. Checking or Savings). Creation of a Payroll Department-Manual Click on the Add Department button to the right side of the screen beside the section titled Payroll Departments. 1. At the top of the screen, input the Department Name. 2. Beside the Department Name, input a Description. 3. You can add any number of people to the Department by entering first name, last name, account number and account type. You can also add a new member by Name or by Mobile ID. After completing the requited fields, hit add. 4. When you have added the required number of people to this department, you will be prompted to click Save and Exit. Or, if you prefer, you can Save Changes, then Exit. NOTE: This is a TWO STEP PROCESS. Once the Payroll Department has been created, you will then create a Batch in order to process payments to the people in this department. The creation of a new Department does not automatically post any transactions. Creation of a Payroll Department-Upload From the main screen of Payroll Processing, you can opt to upload a file in order to create a Payroll Department. File Format The file format for uploading to the Mobilearth application is a comma delimited(.cvs or.txt) entry for each department member that is being added. Each entry will look like this: First Name,Last Name,Account Number,Account Type, Amount,Description An Example is as follows: Graeme,Cox,88085860,DDA,1102.45,Overtime Each entry is ONE line. You cannot input multiple customers on the same line. This must be in either the notepad or wordpad programs with the.txt extension. You must enter the additional comma after the account number, as well as the last comma, to ensure the same amount of fields for all lines, even when there is no description present. Clicking the Update button of uploaded payroll batch will launch the Update Payroll Batch screen where the you can see the list of payroll members that you have uploaded. 7
Uploading a Payroll File In the section titled Upload Payroll File, choose the department you wish your payroll file to be uploaded to. After the department is chosen, upload the payroll file using the Choose File and hit the Upload File button. Clicking OK will cause the file to be uploaded and you will be sent to Payroll Batches screen where you can view the uploaded payrolls across all departments. At this time you must now: 1. Input a Default Description that will be shown in cases where a description has NOT been entered. This field is required. 2. Verify the amounts are correct. If they are incorrect, you have the option to either REMOVE that person from the list or EDIT the amount. 3. Add any additional members you want by using the Add New Member section in the middle of the screen. 4. Update Batch title if you wish we suggest this be a date so that as additional batches are created, it is clear when each batch was created. 5. The Total Amount is displayed for the user to verify. 6. When input is complete, click on Save Changes and then Exit. From the main menu of Payroll processing, click on the link View All Payroll Batches. You will be presented with a screen detailing all batches attached to your departments. When a batch has not yet been posted, the Post button will appear as one of the options. When a batch has already been posted, no Post button will appear. Once you click on the Post button, you will be presented with a screen that shows the transactions to be posted for this batch. Posting A Payroll batch 1. Select the account you wish to use for the debit side of the transaction. You can review the entries. If you opt to make changes, you must use the Cancel button to exit from this screen and then go into Update. 2. Once you are satisfied with the screen entries, click on the Post button to complete the process and begin the transactions from your debit account to the payroll members listed on the screen. Once the processing is completed, you will return to the payroll batches screen. After that, click on View to look at the Payroll Details 8
BANK LOCATIONS 1000 Airport Boulevard Coolidge, Antigua Redcliffe Street St. John s Woods Centre Friars Hill Road Nelson s Dockyard English Harbour HOURS OF OPERATION Coolidge, Redcliffe Street and Woods Centre Branches Monday - Thursday 8:00am 2:00pm Friday 8:00am 4:00pm Dockyard Branch Monday - Thursday 8:30am 1:30pm Friday 8:30am 3:30pm ATM LOCATIONS 1000 Airport Boulevard Coolidge, Antigua Redcliffe Street St. John s, Antigua High Street St. John s, Antigua Woods Centre Friars Hill Road Nelson s Dockyard English Harbour Jolly Harbour St. Mary s Bargain Centre Perry Bay, St. John s Epicurean Fine Foods & Pharmacy Friars Hill Road, Antigua Contact us today at (268) 480 6187 info@ecabank.com www.ecabank.com