Internet Banking 101

1. Internet Banking 101 Intuit Financial Services University Internet Banking Certification Training

2. Internet Banking Objectives By the end of this section, you will know how to: • access Internet Banking • check account balances • transfer funds (on a one-time and recurring basis (if applicable)) • set up notifications (if applicable) • export Internet Banking transaction into a personal finance manager • change user options • access secure forms (if applicable)

3. Forgotten Password Easy Registration ARS* or Standard Registration Combined Enrollment Pre-filled BP Registration form Auto Approval Alternate User ID Email Management Scheduled and Recurring Transfers* Quick Transfer Account Nicknames Email Alerts/Notifications* Bill Pay Login prompt Pre-filled Login info for the demo *DPV Dependent Internet Banking “Sticky Features” “Sticky Features” reduce attrition and build stronger relationships between your consumers and your financial institution.

4. Internet Banking Login Page The Internet Banking Login Page is customized for your financial institution. • Terms to Know: • Customer Number/ Member Number / User ID - • Password - • Message of the Day - Note: You can choose to enable a Start Page dropdown option. This will take the consumer directly to the designated page for this session only.

5. Internet Banking Overview • Account Access - Summary, Transfer, Export, Savings Bonds, Stop Payment, **Online Statements, Check Imaging, Notifications, Scheduled Transfers, Search Account History, FinanceWorks** • **Bill Payment - View pending and historic payments, create and edit payees, schedule payments, customer support (if your FI has **Funds Transfer, this button will be called Payment Manager) • Custom Reports - Create reports on past account information • User Options- Change Internet Banking options, including password, timeout, etc. • Online Forms - Forms to allow consumers to apply for financial institution products • **TurboTax Online Banking – Information from the financial institution populates the consumer’s TurboTax forms when accessed from Internet Banking • **FinanceWorks – allows consumers to manage all their accounts in one location and track their spending • Help, Email, Logoff • Italics represents optional features • ** Covered in a separate class/online course.

6. Features of Internet Banking • Message of the Day (MOTD) • Financial Institution Name Branding on Every Page • Demo has Narrative Text • Context Specific Help • Welcome Page • Last Login Alert on Welcome Screen • Auto Screen Blank on Timeout • Exit Confirmation

7. Regulation DD - Detail Regulation DD requires that if the Available Balance is presented to the consumer, a notation that those funds may include additional funds for paying overdrafts is to be displayed. For full details regarding Regulation DD, review the information provided by the Federal Deposit Insurance Corporation (FDIC). Regulation DD only applies to banks. Features • To assist banks in complying with Regulation DD, both account balance and available balance are accessible for view anywhere balances are displayed (e.g. Account Transfer, Schedules Transfer and the U.S. Savings Bond menus). Note: The labels (account and available balance) may differ on the bank’s website. • A double asterisk (**) is displayed next to the Available Balance label within Internet Banking to notate that additional funds are added (e.g. ODP, LOC). In addition, a corresponding footnote displays on the same page as the double asterisk. The default footnote reads: “This balance may include overdraft or line of credit funds.” Text is customizable by the bank, and the footnote can be turned off if desired. • The DPV for each bank will handle Account Balance and Available Balance differently. TIP: Check with your DPV to confirm when and where additional funds are added to balances.

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9. Account Access

10. Account Access ** • Features • Banners help promote other products • Printer Friendly Pages • Account Detail Plus • Quick Jump to Next Account • Sort on Account Detail Screen • Dedicated Transfer Screen • Account Details in Transfer Menu • Quick Transfer Note: Your financial institution may not have all features shown.

11. Account Access - Summary • Features • Hyperlink to each account’s details page • The Pay your bills link appears next to each checking account name, whether that account is enabled for bill pay or not.. • If the consumer has not registered for bill pay, clicking on this link takes them to the BP application. • If the consumer has registered, clicking on this link takes them to bill pay. • This behavior is the same for accounts that are and are not enabled for bill pay. • Account Balance • Available Balance • Listed by Accounts, then Investments (and Loans if available to your financial institution) • Number of notifications sent in the last 30 days for each account (if your financial institution offers notifications, is on the real-time SRT engine (see pg 22), and chooses to display this column). Clicking on the hyperlinked number takes the consumer to the Notification Summary screen.

12. Account Access - Details The information visible here is the information that your consumers normally get in their statements. • Features • Sort by any column by clicking on the appropriate column link • Go to User Options and Default History Sort Order to set this screen to sort either by ascending or descending date. (You can always change this later.)

13. Account Access - Transfer A consumer can make one-time transfers two ways: 1. Use Quick Transfer from the bottom of the Account Summary screen 2. Click on the Account Transfer sub-navigation button to reach the separate account transfer screen

14. Account Access – Scheduled Transfer To create a scheduled transfer click Add. Note: This is an optional feature. Call your Client Relations Manager for more detail.

15. Scheduled Transfer - Add Transfer • Input Transfer Amount ($99,999.00 max or as allowed by the DPV). • Select a FROM and TO account from the dropdown boxes. The lists include all accounts that allow transfers (per your DPV). • Select Start Date and Frequency. • Input the Number of Transfers (max of 9999 or processing date after 12/31/2031).

16. Scheduled Transfer - Add Transfer • NOTE: If you are on the real-time SRT Engine (see page 20), additional options will be presented: • Additional frequency choices • Checkbox labeled “Please send me an email after the last recurring transfer”. This is helpful to remind the consumer that their current scheduled transfer is about to expire. This is an optional feature. If you already have Internet Banking, your consumers that have any SRTs now will be able to edit their SRT to receive this notification when their SRT ends.

17. Scheduled Transfer - Add Transfer Verify the information and click Confirm Transfer. The consumer receives a confirmation screen advising if the transfer was successful.

18. Scheduled Transfer – Delete or Edit From the Scheduled Transfers Summary screen the consumer can either delete or edit existing transfers. To edit an existing transfer click Edit. Then modify the desired field(s) and click the Save Transfer button. Note: The Start Date field is now “Next Date” when editing. To delete an existing transfer, click Delete. A confirmation screen appears. Select the Delete button to confirm.

19. Account Access - Export A consumer can export transactions two ways: 1. Use Export from the bottom of the Account Summary screen 2. Click on the Export sub-navigation button to reach the separate export screen. All transactions in the history range will be downloaded, even if they don’t appear on the screen. Note: Bisys Total Plus clients will see the following message once the export begins:“Transactions occurring today may not appear in your download export file.”

20. Notifications Overview • Intuit Financial Services offers two notifications processing types (also called “SRT Engines”): Real-time and Batch. These are NOT related to your Internet Banking processing types, but are rather completely separate. If you are not sure what type you are, please ask your Project Manager or call Customer Service if you are already live. • Some of the features listed here are only available to those financial institutions on the real-time SRT Engine. These features are noted. • You can instruct the system to check either Available Balance or Ledger Balance for the Greater Than Balance Notifications, the Less Than Balance Notifications and the Periodic Balance Notifications. This configuration can be implemented at the Deposit, Investment and Loan account-type level. (real-time FIs only) • You will select many of these features via the implementations form or the release preference form. Each feature that is not automatic is noted. • This section also covers notification management and reporting in Management Console. • This is an optional feature. Call your Client Relations Manager for more detail.

21. Account Access – Notifications Click on the Notifications sub-navigation button to reach the Notification Summary screen. Note that if your financial institution will offer mobile banking alerts, setup is from this screen, and the screen name includes “E-mail Alerts”. Some screens also include banner ads and FAQs about mobile banking alerts. The financial institution can also enable a pop-up to prompt consumers upon login as well.

22. Notifications – Summary Screen • The Summary screen contains the Setup Table and the History Table. • The Setup Table shows all existing notifications. Edit or delete notifications in this section. • The History Table shows notifications that have been sent in the last 30 days (not shown - Real-Time financial institutions only). • Add a notification using the Add New dropdown list (see next page for possible types) or click the Express Setup link.

23. Notification Types • Notifications for All processing SRT Engine types: • Balance – Sent if an account balance is greater than or less than the trigger amount set up. • Check Cleared – Sent when the specified check has cleared. (this is host dependent) • Maturity Date – Sent a pre-determined number of days prior to the maturity date. (this is host dependent) • Notifications for Real-Time SRT Engines only (all of these are optional): • Payment Due – Sent a pre-determined number of days prior to the due date of a loan account. (this is host dependent) • Payment Past Due – Sent when and if the selected account is now flagged as past due. (this is host dependent) • Personal Reminder – Sent on a pre-selected date and a recurring basis. Not associated with any account type. Use primarily for personal reminders such as birthdays or anniversaries. • Periodic Balance – Sent to notify consumer of their account balance. Can be recurring, and the frequency can be set. • SRT Concluded – Sent when the last transfer of a series of Scheduled and Recurring Transfers has completed. Warns that the scheduled and recurring transfer has concluded.

24. Notifications - Add Choose the type of notification and click Add. For all notifications except Check Cleared and Personal Reminder, select multiple accounts in the dropdown by holding down the Ctrl key, if desired. • Balance Notification Example: • Select an account listed in the drop-down box. • Choose the comparison (Greater Than or Less Than). • Input an amount in the Balance Field. • Enter email address. • Type in custom message • Click Save Notification.

25. Notifications - Add • Check Cleared Notification Example: • Select checking account. • Input a check number (max number is 7 digits). • Input email address. • Enter custom message. • Maturity Date Notification Example: • Select the account (CD and CD IRAs). • Enter number of days prior to maturity to receive notification (max 99). • Input email address. • Enter custom message.

26. Notifications – Express Setup Express Setup allows you to set up basic notifications quickly.

27. Notifications – Express Setup • You can choose to have the following notifications display here: • Payment Due (real-time FIs only) • Payment Past Due (real-time FIs only) • Personal Reminder (real-time FIs only) • Periodic Balance (real-time FIs only) • Maturity Date • Check Cleared • Multiple accounts can be selected for each option. • Note that setup choices are limited; if you want to have more options, click on Add next to Advanced Setup. • Note the link to allow you to jump to the Notification History page (for Real-Time financial institutions only).

28. Notifications – Edit or Delete From the Notifications Summary screen the consumer can either delete or edit existing notifications. To delete an existing notification click Delete. On the confirmation screen that appears, select the Delete button to confirm. To edit an existing notification click Edit. Modify the desired field(s) and then click the Save Notification button.

29. Custom Reports

30. Custom Reports (Batch only) • Features • Consumers can choose or filter account information by account type, date, check number, amount, or transaction type to create their own custom report. • Consumers can vary the number or records displayed per page.

31. Products & Services

32. Products & Services Overview • Features • This button may be called by another name, such as Additional Services. • This section of Internet Banking allows you to link consumers to other services provided by our trusted partners, including but not limited to your preferred Check Reorder partner.

33. User Options

34. Features Allows consumers to customize their online experience Some features displayed may be optional per financial institution User Options

35. Secure Forms

36. Secure Forms • Features • Online forms are available from the Intuit Financial Services Service Center • Eight forms are currently available • Financial institution selects which forms they want • Financial institution can also elect the custom package • These forms do not interact with your DPV (core processor). You process them as if they were paper forms. Note: This is an optional feature.

37. Internet Banking Objectives Recap In this section, we learned how to: • access Internet Banking • check account balances • transfer funds (on a one-time and recurring basis (if applicable)) • set up notifications (if applicable) • export Internet Banking transaction into a personal finance manager • change user options • access secure forms (if applicable)