Bank OnLine User`s Guide

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Bank OnLine User`s Guide
Bank OnLine User’s Guide
Table of Contents
Account Overview - Quick Action
3
Account Overview - Pending Transactions/Secure Messages
4
Account Overview - Secure Messages
5
Account History - History Overview
6
Account History - History Overview/Search
7
Account History - Export
8
Transfers and Online Activity - Setup Transfers – One-Time Transfers
9
Transfers and Online Activity - Setup Transfers – One-Time Transfers
10
Transfers and Online Activity - Setup Transfers - Recurring Transfers
11
Transfers and Online Activity –
12
Pending Transfers and Activity
12
Transfers and Online Activity –
13
Pending Transfers and Activity
13
Transfers and Online Activity –
14
Pending Transfers and Activity
14
Transfers and Online Activity - Pay Bills
15
Services - Messages
16
Services - Stop Payment
17
Services - Check Reorder
18
Preferences - Account
20
Preferences - Alerts
21
Preferences - Alerts
22
Preferences - Security
23
Preferences - Security
24
Preferences - User
25
Preferences - Mobile
26
Sign-Off
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Bank OnLine User’s Guide
Account Overview Quick Action
Quick Action
The Account Overview page
displays a summary of accounts
associated with your online
profile after you log in. You can
initiate Quick Action
transactions, view which
accounts have Pending
Transactions, and also view and
access Secure Messages.
Accounts are categorized by
account type (checking, savings,
loan, certificate of deposit, etc.)
For a Quick Action transaction,
place your cursor over the
lightning bolt icon located to
the right of the Available
Balance.
Choose from these drop-down
options:
View History - Takes you to the
history of the selected account.
Account Details - Displays the
details for this account.
Pending Items - Displays the
items that are pending for this
account.
Transfer From - Allows you to
initiate a quick transfer from
this account.
Transfer To - Allows you to
initiate a quick transfer to this
account.
Print-Print the history of this
account.
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Bank OnLine User’s Guide
Account Overview -
Pending Transactions
Pending Transactions/Secure Messages
If the account name is in red, is
bolded and has an asterisk in
front of it, this indicates that
there is at least one pending
transaction for this account.
Secure Messages
There is a hyperlink at the top
of the Account Overview page
which indicates if you have
unread secure messages.
Clicking on the link will take you
directly to your secure message
mailbox.
Once there, you can highlight
the desired message by single
clicking on it.
IMPORTANT NOTE- You can also access your secure
messages from the Services menu by choosing Messages.
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Bank OnLine User’s Guide
Account Overview Secure Messages
Double-click on the highlighted
message you wish to view to
display the secured message.
To create and send a secure
message to American Bank
Customer Service, click on the
New Message icon.
This function also allows you to
send attachments securely to
American Bank Customer
Service.
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Bank OnLine User’s Guide
Account History History Overview
History Overview
The Account History page
provides access to transaction
history for your accounts.
To access it, you can choose the
History option under Accounts
or double-click on the desired
account from the Overview
page, or select View History in
the Quick Action (lightning bolt)
drop-down menu.
You can collapse Account
Details to view more History on
the page.
You can easily switch accounts
by selecting a different account
from the Account drop down
menu, then clicking Submit.
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Bank OnLine User’s Guide
The magnifying glass displayed
here has an associated image
(such as a check image.)
Account History -
History Overview/Search
Sort the detailed posted history
column in ascending or
descending order by clicking on
the Sorted By option displayed.
Search
You can search for specific
information within the history
presented by choosing the
Search option.
Note: The Default View is the
last fifty items unless changed
under Preferences/Accounts.
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Bank OnLine User’s Guide
Account History Export
Export
Click Display to view the
following Output Options:
Display Results
Export to File
In exporting the file, click the
Submit button, then, when the
pop-up message appears, click
the OK button to create a
temporary Internet file and
choose to Open, Save, or
Cancel.
You must have appropriate
software to utilize the export
options.
Export To File allows you to export history to a file type such as:
Spreadsheet (XLS)
Spreadsheet (CSV)
Microsoft Money
Quicken
QuickBooks
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Bank OnLine User’s Guide
Transfers and Online Activity -
Setup Transfers – One-Time Transfers
One-Time Transfers
Transfer funds from one of your
American Bank accounts to
another with ease. Just use the
Quick Action icons shown
earlier (Transfer From or
Transfer To).
You can also follow the steps below:
Click the Transfers and
Online Activity tab from
the menu.
Choose Setup Transfers.
Select a From Account and
a To Account.
Choose a Transfer Date
(can be in the future.)
Key in the Amount.
Description optional.
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Bank OnLine User’s Guide
Transfers and Online Activity -
Setup Transfers – One-Time Transfers
The system automatically defaults to
One-Time Transfer.
You will be prompted to either
Cancel or OK to view the transfer
information just entered.
After clicking OK a preview will
appear titled Submit Transaction.
This will give you the opportunity to
Approve or Cancel transfers, save
transfers in Draft status or request
Mobile Authorization via Mobile
Alerts.
A Transfer will not be processed
until the Approve button has been
selected
Approve: Authorizes the
transaction.
Draft: Places the transaction
in a pending state until either
Approved or Cancelled at
another time.
Cancel: Cancels the transaction
from processing.
The Repeat this process box at
the bottom of the Submit
Transaction screen returns you
to the Funds Transfer screen to
initiate another transaction.
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Bank OnLine User’s Guide
Transfers and Online Activity -
Recurring Transfers
Setup Transfers - Recurring Transfers
As discussed on the previous
page, the system automatically
defaults to the One-Time
Transfer option when
transferring funds. You can
make recurring transfers by
expanding the Enter Payment
Frequency category.
To set up a recurring
transfer online, follow
the same process as a
one-time transfer
except you will change
the option under Enter
Payment Frequency to
Recurring
Choose Frequency
(Weekly Payment or
Monthly Payment)
Select the Recur By
category (Days of the
Week or Calendar
Days)
Select either Initiate
payment every month
or Initiate the
payment every X
month(s) (key in
number of months)
Choose one of the
three End Date
options.
For both One-Time and
Recurring Funds Transfers, if
you do not choose to Repeat
this process you will be taken to
the Online Activity page.
Important Note: To
cancel a series of
Recurring Transfers, you
must do so under Manage
Recurring Transfers.
Approving the Recurring
Transfer is the same process as
a One-Time Transfer
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Bank OnLine User’s Guide
Pending Transfers and Activity
Transfers and Online Activity –
Pending Transfers and Activity
Pending Transfers and Activity
is a listing of ALL transactions
you originated online or
through Mobile Banking.
Under Transfer and
Online Activity, click
Pending Transfers and
Activity.
The next page shows
the transactions for all
of your online accounts
- whether you manage
one account or
multiple accounts.
(Tracking number, user
name, creation date,
status, process date,
originating account
number, etc.)
The Online Activity lightning
bolts are where you can
Approve or Cancel previously
drafted or saved transactions.
In addition, you can Copy a
transaction regardless of its
status.
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Bank OnLine User’s Guide
Transfers and Online Activity –
Pending Transfers and Activity
View Transaction allows you to
see the details of that specific
Internet generated transaction.
Online activity can be grouped
by several options (type of
transaction, date created,
account and user name.) This is
done by clicking on the Group
By drop-down box located in
the tool bar.
You can also search for specific
transactions through various
Search Criteria.
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Bank OnLine User’s Guide
Transfers and Online Activity –
Pending Transfers and Activity
If you need to make changes to
a transaction, you must start
over by either using the Copy
function or by creating it from
scratch and deleting the original
transaction, if it has not already
been processed.
If you are using Copy to just
repeat a transaction, you can do
so from ALL statuses.
Online Transaction Status Terms-To-Know
Active: Any transaction generated online that has been initiated within the last week or is in a
status that still allows action to be taken.
Drafted: Any transaction you have put in a pending (Drafted) state can still be either approved or
cancelled.
Authorized: When a transaction, such as a funds transfer, has been approved by a user with
approval rights, the transaction displays in the Authorized category in Pending Transfers and
Activity. Authorized indicates that a user is ready for American Bank to process the transaction.
Cancelled: When a transaction, such as a funds transfer, has been cancelled by a user from the
Transaction Details page, the transaction displays in the Cancelled category in Online Activity.
Processed: When a transaction, such as funds transfer, has been approved by a user with
approval rights and then later processed, the transaction displays in the Processed category in
Pending Transfers and Activity.
Other: Any transaction that might have been unsuccessful (processing failure), or does not fall
under the previous categories.
Please note: Cancelled transactions cannot be restored, so cancel only if you are sure you
do not intend to send the transaction for processing.
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Bank OnLine User’s Guide
Transfers and Online Activity Pay Bills
Pay Bills
With the Pay Bills feature, you
can pay your bills in a
convenient and paperless way.
Under the Transfers and Online
Activity menu, choose Pay Bills.
The first time you use Bill Pay,
you will choose a main account
from the drop-down menu and
agree to the Terms of Use. Then
you will be transferred to the
Bill Pay website.
Next, you will set-up four
challenge questions used for
security purposes within Bill
Pay. You can easily add
additional pay-from accounts in
Bill Pay by going to the Options
tab and clicking on Pay From
Accounts. Under View Options,
you can then Add an Account.
The transactions initiated
through Bill Pay will be
managed through the Bill Pay
website. Once processed, you
will also be able to see your Bill
Pay transactions in your Bank
OnLine Account History.
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Bank OnLine User’s Guide
Services Messages
Messages
As stated on pages 5-6, you can
access your Secure Mailbox
from two different areas in
online banking.
The first place is through the
Account Overview screen.
You can also access your Secure
Mailbox from the Services
menu by choosing Messages.
By allowing more than one
avenue to access your Secure
Mailbox, you have fewer clicks
and easier navigation.
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Bank OnLine User’s Guide
Stop Payment
Stop payment requests may
now be submitted for individual
or multiple checks using the
Stop Payment option under
Services.
Services -
Stop Payment
Click Stop Payment
under the Services
menu.
In Enter Account
Information select an
Account and enter a
Reason.
Choose For a Single
Check or For Multiple
Checks.
Key in Number, Payee,
Amount, and Date
Written.
Click Submit.
You will be prompted to either
Cancel or OK to view the
information just entered.
After clicking OK a preview will
appear titled Submit
Transaction. This will give you
the opportunity to Approve,
Draft, Cancel, or select Help.
A Stop Payment will not be
processed until the Approve
button is selected.
A check box at the bottom of the Submit
Transaction screen allows you to make
another transaction if you desire to do so. If
this box is checked, the system returns you
to the Stop Payment Request screen. If this
box is not checked the system goes to
Online Activity. A window appears: Are you
sure you want to approve this transaction?
Click OK.
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Bank OnLine User’s Guide
Services -
Check Reorder
Check Reorder
Check reorder requests may be
submitted via the Check
Reorder option under Services.
Click Check Reorder.
Select an account from
the drop-down menu
and click Submit.
NOTE: You must have already
placed at least one previous
check order with American
Bank before you can reorder
checks through Bank OnLine.
You will be redirected to the
Harland Clarke website to
complete your check reorder.
Please make sure your pop-up
blocker is disabled so the
Harland Clarke site can open in
a new window.
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Bank OnLine User’s Guide
Other Services
You can transfer money to
External Accounts or make
Person-to-Person Transfers
under Other Services.
Services -
Other Services
You can transfer money to nonAmerican Bank accounts via the
feature Add External Account.
The page will walk you through
the instructions to set up your
external accounts.
You’ll use the feature Verify
External Account Requests to
verify the micro-deposit
amounts transferred to your
external accounts for
authentication purposes.
The feature called Transfer to
another account allows you to
make Person-to-Person
transfers. You can either make a
single transfer to another
American Bank account holder,
or link the other American Bank
OnLine account holder’s
account to your login for later
use.
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Bank OnLine User’s Guide
Account Preferences
Accounts may be renamed or
nicknamed by selecting the
Account option on the
Preferences menu. The account
names you create will display
throughout the online banking
system. This is also where you
can set the default for the
number of history items or
history days to display on each
account.
Preferences Account
Click Account.
Choose an account to
modify.
Key in the Display
Name (nickname.)
Key in “#” (number of
history items or days to
display)
Choose Items or Days.
Click Submit Changes.
Tip: including the last four
digits of the account
number in the nickname is
helpful for future
reference.
A window appears: “Are you sure you want to
submit these account preference changes?” Click
OK. After submitting the changes, the screen
returns to Account Overview.
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Bank OnLine User’s Guide
Preferences Alerts
Alerts
The Alerts feature under the
Preferences menu allows you to
set up account-based and/or
date-based alerts.
To Set an Account Alert:
Select Alerts under the
Preferences menu.
Choose Add Alert and
select the type of alert
from the list provided.
A New Account Alert is
account-based and notifies you
of important changes to your
account (i.e. the balance drops
below a specified level.)
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Bank OnLine User’s Guide
Preferences Alerts
A New Date Alert is date-based
and notifies you of important
events (i.e. birthdays,
anniversaries, wakeup calls.)
A New History Alert notifies
you of specific activity that can
affect your account (i.e. checks,
debits, credits.)
A New Transaction Alert
notifies you of a specific onlineoriginated transaction that can
affect your account.
Choose an account
from the drop-down
box and fill out the
Alert Criteria.
Choose a Type and
Status of action from
the drop-down box
under Alert Criteria.
Choose an action from
the choices under
Notification
Frequency.
Click OK to submit.
These alerts can
be delivered via
your preferred
telephone number
or e-mail address.
Use
Note: Notifications are
always sent to your
secure mailbox within
Bank OnLine in addition
to any other notification
channels you select.
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Bank OnLine User’s Guide
Preferences Security Preferences
Security
The Security feature under the Preferences
menu allows you to manage security-related
preferences for online banking. Utilizing these
security features and keeping them up-to-date
ensures that online information is more
secure.
To get to the Security feature, choose Security
under the Preferences menu. You will be able
to do the following:
Change Password
Update Secure Delivery Information
Set up Security Alerts
To Change Password:
Key in Old Password
Key in New Password (Password
requirements are outlined on the
page)
Key in the new Password again in
Confirm Password
Click Submit Password Change
Click OK
To Update Secure Delivery Information
(please note that this option will appear only
after you have registered your browser):
Choose the Secure Delivery tab.
Update or add phone numbers for
secure contact information.
E-mail addresses are NOT used for secure
delivery.
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Bank OnLine User’s Guide
Security Alerts
Preferences Security
Security Alerts allow you to set
up additional notifications for
your added safety and security.
Some Security Alerts are set up
by default for security purposes
and cannot be changed. Others
can be selected as desired.
These alerts can be
delivered via your
preferred telephone
number or e-mail
address.
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Bank OnLine User’s Guide
Preferences User Preferences
User
The User option under
Preferences allows you to
update your online user profile
information only. If you need to
change your address on file with
American Bank, please contact
Customer Service.
Click User under the
Preferences menu.
Change the necessary
fields in the Online
Profile section.
Change the necessary
fields in the Online
Contact Information
section.
Click Submit.
Click OK.
Important Note: This menu option will
automatically update your online banking
information only. To request that we change
your Address of Account (this would be the
address where your statement and notifications
are sent) please contact Customer Service.
25
Bank OnLine User’s Guide
Mobile Preferences
Preferences Mobile
In order to use Mobile Banking,
you must first enroll under the
Mobile option in the
Preferences menu.
You will then have access to the
web-enabled Mobile Banking
URL for smartphones at
https://ebank.americanbank.co
m/mobile, as well as to the
American Bank App for the
iPhone, iPad and iPod Touch
(available for download in the
App Store).
If you plan to use the
Mobile Banking URL for
web-enabled
smartphones, click
Send to have the URL
sent to your email
address.
Click Submit to enroll
in Mobile Banking.
If you plan to initiate
and/or approve funds
transfers using Mobile
Banking, click on the
Mobile Authorizations
tab.
Enter a 4-digit Mobile
Authorization Code
and click Submit.
Use your Bank OnLine User
Name and Password to log into
Mobile Banking.
26
Bank OnLine User’s Guide
Sign Off
Sign-Off
Always properly end your online
banking session by selecting
Sign Off, located at the top of
your Bank OnLine menu. This
will ensure the safety and
integrity of your information.
27

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