USERS GUIDE Revision 0 06
I. TABLE OF CONTENTS... II. AVAILABLE SERVICES QUICK REFERENCE... 4 III. USEFUL SECURITY TIPS... 5. LOGIN AND NAVIGATION... 6.. The Login Screen... 6 Logging into Web Banking... 6.. Navigating the Web Banking interface... 7 Web Banking interface field descriptions... 7. CUSTOMER SERVICES TAB... 8.. Bulletins option... 8... Bulletins (Main Customer Services Screen)... 8 Navigating the Bulletins Screen... 8.. Miscellaneous... 9... Forex Rates Inquiry... 9 Performing a Foreign Exchange Rate Inquiry... 9.3. Verisign tokens... 0.3.. Activate Verisign Token... 0 Activating your Verisign token... 0.3.. Synchronize Verisign Token... Synchronizing your Verisign token... 3. CASH MANAGEMENT TAB... 3.. Accounts... 3... Accounts Summary... Navigating the Accounts Summary Screen... 3... Account Activity... 4 Using the Accounts Activity search function... 4 Viewing the results of the Accounts Activity search function... 5 Printing the results of the Accounts Activity search function... 5 Downloading the results of the Accounts Activity search in PDF format... 6 Downloading the results of the Accounts Activity search in Comma Delimited format... 7 3..3. Account Balance Inquiry... 8 Using the Account Balance Inquiry function... 8 3.. Beneficiaries... 9 3... Beneficiary Maintenance... 9 Searching Beneficiary information... 9 Modifying Beneficiary information... 0 Adding a Beneficiary... 3.3. Payments... Performing a Domestic Local Transfer... 3.3.. Domestic Foreign Currency Transfer... 3 Performing an Domestic Foreign Currency Transfer... 3 3.3.3 Own Transfer... 6 Performing an Own Transfer... 6 3.3.4 Internal Transfer... 8 Performing an Internal Transfer... 8 3.3.5 Utility Transfer... 3 Performing an Utility Transfer... 3 P a g e
3.3.8 Credit Card... 34 Performing a Credit Card Recharge... 34 3.4 View Funds Transfer... 37 Performing a Funds Transfer Inquiry... 37 ADMINISTRATION TAB... 38 3.5 Change Password Screen... 38 Changing the User Password... 38 PENDING AUTHORIZATIONS TAB... 39 3.6 Pending Authorizations (for authorizers only)... 39 Authorizing Pending Transactions... 39 3 P a g e
I. AVAILABLE SERVICES QUICK REFERENCE Administrative/General Logging into Web Banking... 6 Web Banking interface field descriptions... 7 Navigating the Bulletins Screen... 8 Activating your Verisign token... 0 Synchronizing your Verisign token... Navigating the Accounts Summary Screen... Changing the User Password... 9 Foreign Exchange Performing a Foreign Exchange Rate Inquiry... 9 Account Activity/Balance Using the Accounts Activity search function... 3 Viewing the results of the Accounts Activity search function... 4 Printing the results of the Accounts Activity search function... 4 Downloading the results of the Accounts Activity search in PDF format... 5 Downloading the results of the Accounts Activity search in Comma Delimited format... 6 Using the Account Balance Inquiry function... 7 Beneficiary Maintenance Searching Beneficiary information... 8 Modifying Beneficiary information... 9 Adding a Beneficiary... 0 Transfers Performing an Domestic Transfer... 4 Performing an Own Account Transfer... 30 Performing an Internal Account Transfer... 3 Performing a Utility Payment... 35 Performing a Credit Card Recharge..40 Performing a Funds Transfer Inquiry...44 Transaction Authorization Authorizing Pending Transactions... 45 4 P a g e
USEFUL SECURITY TIPS!!!!! Alpha Bank will never ask you for your access codes in any way (e.g. via phone or e-mail). These codes are strictly personal and you must never reveal them to anyone. Select access codes that are not easily guessed and are not being used on other systems and services. Keep the access codes confidential in a way that it is not feasible to be disclosed / stolen Sign on to Alpha Web Banking only via the official website of Alpha Bank (www.alphabank.al) and never via other links appearing on other websites, search engines or e-mail messages. Verify the validity of the Alpha Web Banking page and the security certificate by clicking on the lock icon in the address bar of the browser.! Inspect regularly your PC for viruses and other malicious programs using the latest versions of antivirus and antimalware utilities!! Update your PC with the latest versions and security patches of the operating system (e.g. Windows) and the browser (e.g. Internet Explorer, Firefox). Ignore and delete immediately «suspicious» e-mails that ask you to provide your personal data, include links or attachments. ATTENTION! There are malicious programs which could be installed unintentionally at your PC, trying to steal access codes. If, during your sign-on to Alpha Web Banking, you notice any unusual messages that drive you to re-enter your access codes, stop the procedure. Call our Customer Service at 00355 4 78 736 and/or have your PC cleaned from viruses and other malicious software with which it may have been infected. 5 P a g e
. LOGIN AND NAVIGATION. The Login Screen Visit the Login Screen by clicking on the link provided to you on the Alpha Bank website. The Login Screen will appear: 3 Figure Login Screen Logging into Web Banking Enter the Login ID provided to you by the Bank Enter the Password provided to you by the Bank 3 Press the Login button! If you have received a Verisign token, please proceed to step Activating your Verisign token in order to activate the service 6 P a g e
. Navigating the Web Banking interface After entering the correct Login information, the Web Banking interface will appear: 3 T O Figure Web Banking Interface Web Banking interface field descriptions 3 T O Login information Logout button Help button Navigation Tabs Tab Options Login ID of the user that is currently logged in. The Login IDs last login into the Web Banking service Press this button when you wish to log out of the Web Banking system Press this button if you require additional help with the Web Banking system Used to access the various Web Banking services When selecting a Navigation Tab, the Tab Options will change in order to access the various Web Banking services under the selected Tab 7 P a g e
. CUSTOMER SERVICES TAB. Bulletins option.. Bulletins (Main Customer Services Screen) The Bulletins screen appears when initially entering the Web Banking environment (as a Main Screen) or by clicking on Bulletins option under the Customer Services tab. Figure 3 Bulletins Screen Navigating the Bulletins Screen If there are any Bulletin messages that require the users attention, they will appear in the order in which they were received. If there are no bulletins, the following message will appear:! Bulletins duration depends on the policies of the Bank and will remain on the Bulleting screen until they expire 8 P a g e
. Miscellaneous.. Forex Rates Inquiry The Forex Rates appear by clicking on Forex Rates option under the Customer Services tab. This screen displays current foreign exchange rates. 3 4 5 6 Figure 4 Forex Rates Screen Performing a Foreign Exchange Rate Inquiry 3 4 5 6 Validity Date - The date that the exchange rates are valid for. Select the currencies to be displayed in the Inquiry. The user can choose All or individual currencies. Select the Rate Type to be displayed in the Inquiry. Press Search after changing Currency and/or Rate Type in order to display the new inquiry results Press Clear to clear the results from the previous inquiry The results of the Forex Rate inquiry will be displayed in this area. 9 P a g e
.3 Verisign tokens.3. Activate Verisign Token A Verisign token is provided to you by the Bank as a tool of extra security. In order to use the service, you must first activate it by entering two successive passwords generated by the token. 4 3 Figure 5 Activate Verisign Token Screen Activating your Verisign token Verify that the Token serial number matches the number that is located on the rear of the Verisign token provided to you by the Bank. If the serial number does not match, contact your Bank. Press the button on the Verisign token provided to you by the Bank. The token will display the letters O t P and then display a 6 digit password. Enter the password provided by the Verisign token in the Verisign Password field. Wait until the Verisign token turns off and press the button again. After displaying the letters O t P again, another 6 digit password will appear. 3 4 Enter the second password provided by the Verisign token in the Verisign Password field. Press the Activate Verisign Token button to complete the process. If the process completes successfully, the following message will appear: 0 P a g e
.3. Synchronize Verisign Token If your Verisign token has not been used for a long period of time, it may become unsynchronized. Once unsynchronized, the user must synchronize the token by entering two successive passwords generated by the token. 3 Figure 6 Synchronize Verisign Token Screen Synchronizing your Verisign token Press the button on the Verisign token provided to you by the Bank. The token will display the letters O t P and then display a 6 digit password. Enter the password provided by the Verisign token in the Verisign Password field. Wait until the Verisign token turns off and press the button again. After displaying the letters O t P again, another 6 digit password will appear. 3 Enter the second password provided by the Verisign token in the Verisign Password field. Press the Synchronize Verisign Token button to complete the process. If the process completes successfully, the following message will appear: P a g e
3. CASH MANAGEMENT TAB 3. Accounts 3.. Accounts Summary The Accounts Summary screen appears when initially entering the Cash Management tab or by clicking on the Accounts Summary option on the Tab Options menu. The user can see an overview of his/her accounts, their balances in various currencies and the date of last update. 7 5 3 4 8 6 Figure 7 Accounts Summary Screen Navigating the Accounts Summary Screen 3 4 5 Current Accounts Last Updated Current Balance Indicative Balance Currency drop down All current accounts are displayed. The user can click on the links to access its Account Balance Inquiry screen The date on which the account was last updated The current balance of the account in the currency in which it was opened The current balance of the account in an alternative currency The user can change the currency in which the Indicative Current Balance is displayed by selecting the desired P a g e
6 7 8 menu Equivalent Total IBAN Number Saving Accounts currency from the drop down menu. The total value of all the accounts in the selected local or alternative currency The IBAN number All saving accounts are displayed. The user can click on the links to access its Account Balance Inquiry screen 3 P a g e
3.. Account Activity The Accounts Activity screen allows the user to search his/her accounts for specific transactions depending on the criteria described below. 3 4 5 6 Figure 8 Account Activity Screen Using the Accounts Activity search function 3 Select the account you wish to query Indicate how many transactions you wish to display per page. The user can search using one or more of the following Advanced Search Fields: Start Date End Date From Amount To Amount Debit/Credit Reference No. Sort Order 4 P a g e
Viewing the results of the Accounts Activity search function 4 After inputting all desired fields, press the View button to view the results of the transaction inquiry on the screen. The results screen will appear: (a) Figure 9 View Account Activity Results Screen Press the Back (a) button to return to the Accounts Activity search screen Printing the results of the Accounts Activity search function 5 After inputting all desired fields, press the Print button to view and/or print the results of the transaction inquiry. The results screen will appear: (b) (c) Figure 0 Print Account Activity Results Screen Press the Back (b) button to return to the Accounts Activity search screen Press the Print (c) button to print the Accounts Activity search results 5 P a g e
Downloading the results of the Accounts Activity search in PDF format 6 After inputting all desired fields, press the Download button to download the results of the transaction inquiry. The following screen will appear: (a) (b) Figure Download Account Activity Results as PDF Screen Press the Back button to return to the Accounts Activity search screen Select the PDF Download option from the Type of Download menu (a) and press the Download button (b). The PDF file will load: (c) Figure Save Account Activity PDF Screen Press the button (c) to save the file 6 P a g e
Downloading the results of the Accounts Activity search in Comma Delimited format 6 After inputting all desired fields, press the Download button to download the results of the transaction inquiry. The following screen will appear: (a) (b) Figure 3 Download Account Activity Results as Comma Delimited Screen (c) Press the Back button to return to the Accounts Activity search screen Select the Comma Delimited option from the Type of Download menu (a) Select the fields you wish to download using the buttons (b) Press the Download button (c) and save the file. 7 P a g e
3..3. Account Balance Inquiry The Account Balance Inquiry screen allows the user to view details regarding a specific account. 4 3 Figure 4 Account Balance Inquiry Screen Using the Account Balance Inquiry function 3 Select the account for which you want to perform the inquiry Press the Go button to perform the inquiry The account details will appear in this area. Details include: A) Current Balance B) Un cleared Funds C) Available Credit D) Net Available Balance 4 Press the Account Summary button in order to view the Account summary for the specific account 8 P a g e
3.. Beneficiaries 3.. Beneficiary Maintenance The Beneficiary Maintenance screen allows the user to add or modify the details of Beneficiaries that he/she frequently performs payment transactions with. 3 4 Figure 5 Search Beneficiary Screen Searching Beneficiary information 3 The user can search the Beneficiaries already stored by using any of the following options: A) Beneficiary Id B) Payment Type Press the Clear button to clear the results from the previous search Press the Search button to perform the search. The following screen will appear: (a) Figure 6 Account Balance Search Results Screen 9 P a g e
Click on any of the Beneficiary IDS (a) to modify the Beneficiary Modifying Beneficiary information Click on any of the Beneficiary Ids (a) you wish to modify (see Figure 6). The following screen will appear: (b) Figure 7 Modify Beneficiary Screen Modify the Beneficiary details you wish to change and press the Modify button (b) to proceed. The following screen will appear: (c) (d) Figure 8 Confirm Beneficiary Modification Screen Review the changes and press the Confirm button (c) to apply or the Change button (d) to go back to the Modify screen 0 P a g e
Adding a Beneficiary 4 Press the Add Beneficiary button (see Figure 5). The following screen appears: (a) (b) Figure 9 Beneficiary Type Screen Select the Payment Type (a) you wish for the Beneficiary and press the Add Beneficiary button (b). The following screen will appear: (c)! Figure 0 Beneficiary Details Screen The Beneficiary Details screen will depend on the Payment Type selected in the previous screen (Figure 9) Enter the necessary details and press the Add button (c). The following screen appears: P a g e
(d) Figure Beneficiary Confirmation Screen Review the entered details and press the Confirm button (d). The following confirmation message appears: 3.3 Payments Domestic Local Currency The Internal Transfer screen allows the user to send funds to an account of the Bank within the country. The Domestic Transfer screen allows the user to send funds to an account of a different bank within the country (Domestic).! In order to perform an Internal or Domestic Transfer, a Verisign token must be assigned to the account and activated. Performing a Domestic Local Transfer Figure Verify Token Password Screen P a g e
After selecting the Domestic Local Currency tab option, the Verify Password screen will appear. Press the button on the Verisign token provided to you by the Bank. The token will display the letters O t P and then display a 6 digit password. Enter the password provided by the Verisign token in the Enter verisign token password field. Press the Submit button to continue. The following screen appears: 3.3. Domestic Foreign Currency Transfer The Domestic Foreign Currency Transfer screen allows the user to send funds to an account within the country, in foreign currency.! In order to perform a Domestic Foreign Currency Transfer, a Verisign token must be assigned to the account and activated. Performing an Domestic Foreign Currency Transfer Figure 6 Verify Token Password Screen After selecting the Domestic Foreign Currency Transfer tab option, the Verify Password screen will appear. Press the button on the Verisign token provided to you by the Bank. The token will display the letters O t P and then display a 6 digit 3 P a g e
password. Enter the password provided by the Verisign token in the Enter verisign token password field. Press the Submit button to continue. The following screen appears: (a) (c) (b) (e) (d) (f) (g)! Figure 7 Domestic Foreign Currency Initiation Screen Select the account number you wish to use from the drop down menu (a). Enter the transaction amount (b). After selecting the account, the balance of the selected account can be checked by following the Balance Available link (c) to the Account Balance Inquiry screen. Enter the IBAN number you wish to transfer the funds to (d). Ensure the IBAN number is correct before entering it into the system. The system does not verify the destination IBAN number. Select the Beneficiary from the drop down list (e) or enter the Beneficiary details manually. Enter the Payment Details (required) and the Sender to receiver details (f) Press the Initiate button (g) to continue. The following verification screen will appear: 4 P a g e
(a) (b) Figure 8 Domestic Foreign Currency Verification Screen Review the entered details and press the Change (b) button to go back and change the details or the Confirm button (a) to proceed. The following confirmation screen will appear: Figure 9 Domestic Foreign Currency Confirmation Screen 5 P a g e
3.3. Own Transfer The Own Transfer screen allows the user to send funds between his own accounts.! In order to perform an Own Transfer, a Verisign token must be assigned to the account and activated. Performing an Own Transfer Figure 6 Verify Token Password Screen After selecting the Own Transfer tab option, the Verify Password screen will appear. Press the button on the Verisign token provided to you by the Bank. The token will display the letters O t P and then display a 6 digit password. Enter the password provided by the Verisign token in the Enter verisign token password field. Press the Submit button to continue. The following screen appears: 6 P a g e
(a) (d) (b) (c) (e) (f) Select the debited account number you wish to use from the drop down menu (a). Select the credited account number you wish to use from the drop down menu (b). Enter the transaction amount (c). After selecting the account, the balance of the selected account can be checked by following the Balance Available link (d) to the Account () Balance Inquiry screen. Enter the Payment Details (required) (e) Press the Initiate button (f) to continue. The following verification screen will appear: (a) (b) Review the entered details and press the Change (b) button to go back and change the details or the Confirm button (a) to proceed. The following confirmation screen will appear: 7 P a g e
3.3.3 Internal Transfer The Internal Transfer screen allows the user to send funds between his own accounts.! In order to perform an Internal Transfer, a Verisign token must be assigned to the account and activated. Performing an Internal Transfer Figure 6 Verify Token Password Screen After selecting the Internal Transfer tab option, the Verify Password screen will appear. Press the button on the Verisign token provided to you by the Bank. The token will display the letters O t P and then display a 6 digit 8 P a g e
password. Enter the password provided by the Verisign token in the Enter verisign token password field. Press the Submit button to continue. The following screen appears: (c) (d) (a) (e) (b) (f) Select the debited account number you wish to use from the drop down menu (a). Enter the credited account number you wish to use (b). Enter the transaction amount (c). After selecting the account, the balance of the selected account can be checked by following the Balance Available link (d) to the Account Balance Inquiry screen. Enter the Payment Details (required) (e) 9 P a g e
Press the Initiate button (f) to continue. The following verification screen will appear: (a) (b) Review the entered details and press the Change (b) button to go back and change the details or the Confirm button (a) to proceed. The following confirmation screen will appear: 30 P a g e
3.3.4 Utility Transfer The Utility Transfer screen allows the user to pay his bills.! In order to perform a Utility Transfer, a Verisign token must be assigned to the account and activated. Performing an Utility Transfer Figure 6 Verify Token Password Screen After selecting the Utility Transfer tab option, the Verify Password screen will appear. Press the button on the Verisign token provided to you by the Bank. The token will display the letters O t P and then display a 6 digit password. Enter the password provided by the Verisign token in the Enter verisign token password field. Press the Submit button to continue. The following screen appears: 3 P a g e
(c) (a) (e) (b) (d) (f) (g) Select the debited account number you wish to use from the drop down menu (a). Select one of the Utilities that you want to use to pay the bill (b). Enter the transaction amount (c). After selecting the account, the balance of the selected account can be checked by following the Balance Available link (d) to the Account Balance Inquiry screen. Enter the Reference Number (e) Enter the Payment Details (required) (f) Press the Initiate button (g) to continue. The following verification screen will appear: 3 P a g e
(a) (b) Review the entered details and press the Change (b) button to go back and change the details or the Confirm button (a) to proceed. The following confirmation screen will appear: 33 P a g e
3.3.5 Credit Card The Credit Card Recharge screen allows the user to pay his credit cards.! In order to perform a Credit Card Recharge, a Verisign token must be assigned to the account and activated. Performing a Credit Card Recharge Figure 6 Verify Token Password Screen 34 P a g e
After selecting the Credit Card Recharge tab option, the Verify Password screen will appear. Press the button on the Verisign token provided to you by the Bank. The token will display the letters O t P and then display a 6 digit password. Enter the password provided by the Verisign token in the Enter verisign token password field. Press the Submit button to continue. The following screen appears: (a) (c) (b) (d) Select the debited account number you wish to use from the drop down menu (a). Select the credit card you want to pay (b). Enter the transaction amount (c). Enter the Payment Details (required) (h) Press the Initiate button (i) to continue. The following verification screen will appear: 35 P a g e
(a) (a) (b) (b) Review the entered details and press the Change (b) button to go back and change the details or the Confirm button (a) to proceed. The following confirmation screen will appear: 36 P a g e
3.4 View Funds Transfer The View Funds Transfer screen allows the user to view the Transfer history for the accounts. The history displayed includes all types of transfers. 3 5 4 Figure 30 Fund Transfer View Screen Performing a Funds Transfer Inquiry 3 The user can search the Funds Transfers already performed by using any of the following options: A) Transfer Mode B) Initiator C) Status D) User Reference E) Fcat Reference No F) Initiation Date From G) Initiation Date To Press Search in order to display the new inquiry results Press Clear to clear the results from the previous inquiry 37 P a g e
4 5 The results of the Funds Transfer inquiry will be displayed in this area The user can click on one of the Fcat Reference numbers to view the Transfer Verification screen for the particular transfer ADMINISTRATION TAB 3.5 Change Password Screen The Change Password screen allows the user to change his/her password after verifying the current one. It is the only option currently available under the Administration Tab. 5 3 4 Figure 3 Change Password Screen Changing the User Password 3 4 Read and follow the instructions regarding password format Enter the current password in the Enter Old Password field. Enter the password you wish to use in the Enter New Password field. Enter the password you wish to use again in the Confirm New Password field. 38 P a g e
5 Press the Change button to accept new password. The following confirmation message will appear: PENDING AUTHORIZATIONS TAB 3.6 Pending Authorizations (for authorizers only) The Pending Authorizations screen displays transactions pending authorization. Figure 33 Pending Authorizations Summary Screen Authorizing Pending Transactions Click on the transaction you wish to authorize. The following screen will appear: (a) (b) (e) (c) (d) Figure 33 Transaction Authorization Screen Review the details of the transaction (a) and check the box (b) to proceed To reject the transaction, complete the Reason for rejection field (c) and press the Reject Selected button (d) To authorize the transaction, press the Authorize Selected button (e). The following screen will appear: 39 P a g e
(a) Figure 33 Transaction Authorization Verification Screen To confirm authorization, press the Authorize button (a). The following confirmation screen appears: Figure 34 Transaction Authorization Confirmation Screen 40 P a g e