Bank OnLine User`s Guide

Transcription

Bank OnLine User’s Guide
Table of Contents
Getting Started – First Time Login
3
Account Overview – Account Overview / Quick Action
5
Account Overview – Pending Transactions / Secure Messages
6
Account History – Account History / Account Details
8
Account History – Sort / Search
9
Account History – Display Results / Export to File
10
Transfers and Online Activity – One-Time Transfers
11
Transfers and Online Activity – Recurring Transfers
13
Transfers and Online Activity – Pending Transfers and Activity
14
Transfers and Online Activity – Pay Bills
17
Services – Messages
18
Services – Stop Payment
19
Services – Check Reorder
21
Services – Other Services: External Account Transfer / Person to Person Transfer
22
Services – Other Services: Total Snapshot
23
Preferences – Account
31
Preferences – Alerts
32
Preferences – Security
34
Preferences – User
36
Preferences – Mobile
37
Preferences – Mobile (Text Banking)
38
Sign-Off
40
2
Getting Started –
First Time Login
Login
To login for the first time (when
you have been provided with a
login ID): enter your login ID in
the Bank OnLine Login box on
the American Bank website’s
home page and click Submit.
You will be directed to the
password page. Select the
check box to indicate that you
are a First Time User. Then
click Login.
The next page displays the
secure contact information we
have on file for your account.
From the list, select one means
of contact from the list that you
have immediate access to and
our system will deliver a
temporary secure access code
to you via that point of contact
within minutes.
Note: If all of the contact
options we have on file are
inaccurate or out-of-date, you
cannot proceed any further.
Please contact us to provide
updated information.
Phone Delivery – If you select
phone delivery for your
temporary code, just answer
the phone normally when the
call arrives. You will be
prompted to make a selection
to hear your code, and the
system will give you the option
to repeat the code if necessary.
Our system will not leave a code
on voice mail so if you miss the
call, please repeat the process.
SMS (Text) Delivery – If you
select text message delivery for
your temporary code, you will
receive a text message
containing the requested code.
Standard text message fees may
apply, depending on your
carrier’s plan.
3
Getting Started –
First Time Login continued
Enter the temporary code you
receive on the Enter Delivered
Secure Access Code page.
Once you have successfully
entered your temporary code,
you will be directed, step-bystep, through the completion of
your enrollment. The process
will end with you creating and
confirming your preferred
password that will be used
along with your login ID on
future logins.
Note: The next time you login
to Bank OnLine, you may be
required to register your
computer. This step helps to
protect your account
information from being
accessed by non-registered
computers.
4
Account Overview –
Account Overview / Quick Action
Account Overview
Under Accounts, the Overview
page displays a summary of the
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.).
Quick Action
To access Quick Action options,
place your cursor over the
lightning bolt icon located to
the right of the Available
Balance.
Choose from these drop-down
items:
View History - Takes you to
the history of the selected
account.
Account Inquiry - Allows you
to submit an e-mail to the
bank concerning questions
related to a particular
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 - Prints the history of
this account.
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Pending Transactions / Secure Messages
Pending Transactions
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 any unread
secure messages that you have.
Clicking on the link will take you
directly to your secure message
mailbox.
Once there, you can read a
message by single clicking to
select it, and then clicking the
Read Message button (the
envelope icon) in the bar at
the top.
Or, double-click on the secure
message you wish to view to
display it.
Note: You can also access your
secure messages from the
Services menu by choosing
Messages.
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Secure Messages continued
You can create a secure reply or
delete the message using the
buttons at the top of the
message. You can also save it,
or print it if necessary.
To create and send a secure
message to American Bank
Customer Service, click on the
New icon on the Secure
Mailbox screen.
This function also allows you to
send attachments securely to
American Bank Customer
Service or American Bank Cash
Management.
7
Account History –
Account History / Account Details
Account History
Under Accounts, the History
page provides access to the
transaction history for your
accounts.
To access it, choose the History
option under Accounts, doubleclick on the desired account
from the Account Overview
page, or select View History in
the Quick Action (lightning bolt)
drop-down menu.
Account Details
Once you select an account, a
number of details are presented
for your review.
You can collapse Account
Details to allow more History to
be viewable on the page.
You can easily switch accounts
by selecting a different account
from the Account drop down
menu, then clicking Submit.
If a Transaction displays a
magnifying glass next to the
description, it has an associated
image available to view (such as
a check image or deposit
image).
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Account History –
Sort / Search
Sort
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 clicking on the
Search option.
Note: The Default View is the
last fifty items unless it is
changed under
Preferences/Accounts.
9
Account History –
Display Results / Export to File
Display
Clicking on the Display button
on the History screen makes
two Output Options available:


Display Results
Export to File
Display Results allows you to
display the selected account
history results on the screen.
Export To File allows you to
export history to a file type such
as:





Excel (XLS)
Spreadsheet (CSV)
Microsoft Money
Quicken
QuickBooks
To export a file, click the Submit
button and select the type of
file you want to export. Then,
when the pop-up message
appears, click the OK button to
create a temporary Internet file
and choose to Open, Save, or
Cancel.
Note: You must have the
appropriate software to utilize
the export option(s) chosen.
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Transfers and Online Activity –
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.
With a specific account
selected, choose Transfer From
or Transfer To.
Fill in the amount of the
transfer and include a
description (if desired).
Click on Submit.
You can also follow the steps
below:







Click the Transfers and
Online Activity tab on
the main menu on the
left hand side of the
screen.
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 is optional.
Click on the Enter
Transaction Frequency
button.
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One-Time Transfers continued
The system automatically
defaults to One-Time Transfer.
Click on Submit.
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 gives you the
opportunity to Approve or
Cancel, save in Draft status or
request Mobile Authorization
via Mobile Alerts.
Approve: Authorizes the
transaction.
Draft: Places the transaction
in a pending state until it’s
either Approved or Cancelled at
another time.
Cancel: Cancels the transaction
from processing.
Important: A transfer will not
be processed until the Approve
button has been selected.
The Repeat this process box at
the bottom of the Submit
Transaction screen returns you
to the Transfer Funds screen to
initiate another transaction.
If you do not choose Repeat
this process, you will be taken
to the Online Activity page.
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Recurring 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 for a one-time transfer
except you will change the
option under Enter Transfer
Frequency to Recurring. Then:
 Choose the Frequency
(Weekly Payment or
Monthly Payment).




Select the Recur By
option you desire
(Days of the Week or
Calendar Days).
Select either Initiate
the payment every
week/month or
Initiate the payment
every X week(s)/
month(s) (key in the
number of weeks or
months).
Indicate the Recur By
option (Calendar Days
or Days of the Week)
and select the day of
the month below it.
Choose one of the
three end date options:
o No end date,
o End after (if
selecting this,
enter the
number of
payments in
the box), or
o End on (enter
the date).
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Recurring Transfers / Pending Transfers and Activity
Note: Approving a Recurring
Transfer is the same process as
for a One-Time Transfer.
Important Note: To
cancel a series of
Recurring Transfers, you
must do so under
Manage Recurring
Transfers.
As with One-Time Transfers, if
you do not choose Repeat this
process you will be taken to the
Online Activity page.
Pending Transfers and Activity
Pending Transfers and Activity
provides a listing of ALL
transactions you originated
online or through Mobile
Banking.

Under Transfers and
Online Activity, click
Pending Transfers and
Activity.

The next page shows
the transactions for all
of your online accounts
- whether you manage
one or multiple
accounts. (Tracking
number, user name,
creation date, status,
process date,
originating account
number, etc. are
shown.)
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Pending Transfers and Activity continued
The Online Activity lightning
bolts allow you to View,
Approve or Cancel previously
drafted or saved transactions.
In addition, you can Copy a
transaction regardless of its
status.
View Transaction allows you to
see the details of that specific
Internet-generated transaction.
Approve authorizes the
transaction.
Cancel prevents the
transaction from being
processed.
Note: Cancelled transactions
cannot be restored, so cancel
only if you are sure you do not
intend to send the transaction
for processing.
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.
15
Pending Transfers and Activity continued
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
also find a transaction and
repeat it from the ALL status.
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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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 which will
be 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.
You can find more detailed
instructions and help within the
Bill Pay service.
17
Services –
Messages
Messages
You can send secure messages
to and receive secure messages
from American Bank via Bank
OnLine. Your Secure Mailbox is
accessible 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 providing more than one way
to access your Secure Mailbox,
you have fewer clicks and easier
navigation.
From the Secure Mailbox page,
you can:




Create new messages
Read selected messages
Reply to messages
Set messages to never
expire
 Delete messages
 Sort and group
messages
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Services –
Stop Payment
Stop Payment
Use the Make a Stop Payment
Request page to place an online
stop payment on a single check
or a consecutive series of
checks. An online request to
stop payment on a check or
series of checks does not
guarantee that the check(s) will
be stopped, as the item(s) may
have already been processed
and posted to your account.
To place an online stop
payment:

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



Click Stop Payment
under the Services
menu.
On the Make a Stop
Payment Request
screen, under Enter
Account Information,
select an Account and
enter a Reason for
stopping the payment.
Choose For a Single
Check or For Multiple
Checks.
For a single check, key
in the Number, Payee,
Amount, and Date
Written.
For multiple checks in a
series, enter the Start
Number, Start Date,
End Number and End
Date.
Click Submit.
You will be prompted to either
Cancel or OK to view the
information just entered.
19
Services –
Stop Payment continued
After clicking OK, a preview will
appear titled Submit
Transaction. This will give you
the opportunity to Approve,
Draft, Cancel or select Help.
Note: A Stop Payment will not
be processed until the Approve
button has been 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 will return you to the
Stop Payment Request screen.
If it is not checked, the system
takes you to Online Activity. A
window appears with the
question “Are you sure you
want to approve this
transaction?” Click OK.
20
Services –
Check Reorder
Check Reorder
The Check Reorder page makes
it quick and easy to securely
reorder checks for an account.
Each order submitted is for only
one account and orders for
multiple accounts must be
submitted separately.
Additionally, this page cannot
be used for first-time check
orders or to change the type or
style of your checks from
previous orders.
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.
21
Services –
Other Services
Other Services
You can transfer money to
External Accounts or make
Person-to-Person Transfers
under Other Services.
External Account Transfer
You can transfer money to nonAmerican Bank accounts via the
feature Add External Account.
The screen will walk you
through the instructions to set
up your external accounts,
including how to enter your
external account’s routing and
account numbers.
You will use the feature Verify
External Account Requests to
verify the micro-deposit
amounts transferred to your
external accounts for
authentication purposes.
Person to Person Transfer
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.
22
Other Services –
Total Snapshot
In addition to viewing your American Bank account information in Bank OnLine, you can also pull in account
information from other financial institutions you do business with, using our Total Snapshot tool. You can also
view auto-categorized transactions and current balances on all your accounts. Link your mortgage, investment,
retirement and reward accounts; use the budgeting and cash flow tools; and even calculate your total net worth.
Log In
You will find Total Snapshot within Bank OnLine, under the Services menu. Simply click on Total Snapshot and a
separate window will open. You can start using the tool at any time, and log in as frequently as you like.
Get Started
The Get Started screen displays quick links to pages and tools within Total Snapshot. If you are logging in for the
first time, take a few minutes to explore the site. All the American Bank accounts you have access to from within
Bank OnLine will automatically pull over, including balances and recent transactions. These accounts can be
displayed on the Account Balances screen or by clicking on the Total Snapshot tab at the top of the page.
You can start linking accounts from other financial institutions right away as well. Simply click on the Link Another
Account button on the Get Started page and follow the instructions.
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Other Services –
Total Snapshot continued
American Bank Accounts Displayed
American Bank accounts you have access to from within Bank OnLine, along with their balances and recent
transactions, will automatically appear in Total Snapshot. You cannot link an American Bank account that you
don’t have access to within Bank OnLine. If you have separate Bank OnLine logins, for personal and business use
for instance, each Bank OnLine profile will have its own Total Snapshot setup and session.
Link an Account From Another Financial Institution
You can link an account from another financial institution either by clicking on the Link Another Account button on
the Get Started tab or through the Quick Links on the Accounts Overview page under the Total Snapshot tab.
You will see a pop-up window that allows you to search for the financial institution of your choice. Make sure you
select the correct product or service within the bank as well (the description appears after the bank’s name).
Some large banks have several different account-linking profiles, for basic bank accounts, bill pay, credit cards,
mortgages, etc. Therefore, if you have more than one product or service at a particular bank, you may have to link
each product separately.
Depending on your financial institution’s login requirements, you may be asked to enter your user name,
password, passcode, PIN, security questions and answers, token ID and even captcha phrase.
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Other Services –
Once you’ve entered your login information, click the Link Account button. Total Snapshot creates a secure
connection to your financial institution and retrieves your account balances and transactions. (You will only need
to go through the account linking process once. Total Snapshot maintains the link from that point on, unless you
delete it.)
It may take the system a minute or two to verify your information. If you run into problems linking your account,
try again or try back later. You may even want to try a different search for your bank and/or product, to make sure
you’ve selected the correct login request to add the account.
If you need to delete an account setup and try again, you can do so from the Manage Accounts page.
Security
Your account data is safe with American Bank. Our Total Snapshot service is security-tested on a continuous basis
by leading security firms and federal regulators, and is certified to meet the highest security standards.
This highly-secure site helps thwart would-be thieves by reducing their opportunities for "phishing" attacks,
keystroke logging, and other means of ID theft. What's more, Total Snapshot lets you track every transaction on all
of your accounts, in one, easy-to-monitor list. And it's all backed by a name you can trust: American Bank.
If you have further questions about the security protections we offer, please contact American Bank Customer
Service at (800) 257-8316, 7 am to 6 pm, Monday through Friday.
Accounts Overview
Once your accounts are linked, you can easily see them displayed with balances under the Account Summary page.
Each account shows the total available balance and when the account was last updated or refreshed. You can also
manually update your accounts by clicking Update All Accounts. You’ll also see Quick Links off to the left-hand
side of the page. These allow you to link or group accounts, for example.
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Other Services –
Account Summary
The Account Summary page displays a list of individual account names as links that allow you to access the
Transactions page. The Account Summary page has four views available for you to choose from: All Accounts, My
Groups, My Bill Pay Accounts, and My Financial Accounts. Once you have selected an account summary view, this
will be the default view each time you log in unless you change it to another view.
Along with the Account Summary, the Accounts Overview section also includes the following tools which are
found by mousing over the Accounts Overview tab tile:
Dashboard
A one-stop shop to see your accounts, balances, rewards manager and net worth
statement. You can customize what you see on your Dashboard and the order in
which you see it under the Options tab from within the Personal Preferences menu.
Net Worth Statement
This feature allows you to track your assets and liabilities so you can see your overall
financial picture at-a-glance.
Investments Manager
Investments are a key part of financial planning. Knowing how they are performing
can help you reach your goals. With Total Snapshot, you can easily track all your investments on one screen. Link
investment accounts from almost any financial institution to Total Snapshot, including stocks, mutual funds, 529s,
401K accounts, IRAs, bonds, CDs, and other investments.
Rewards Manager
You can see all your accrued reward points and miles in a single view.
Bill Reminders
Total Snapshot makes it easy to manage all your bills. First, link your utilities, credit cards, insurance, and loans to
Total Snapshot. Then use Bill Reminders to track which bills are due - and establish convenient e-mail or text
message reminders. (NOTE: Total Snapshot does not automatically list bills from your Bank OnLine Bill Pay
account.)
Real Estate Center
In partnership with Zillow.com, Total Snapshot offers a way to include the current estimated value of your home
(house or condominium) as an asset to offset the mortgage liability and accurately represent your net worth.
Zillow keeps track of home prices across the United States and updates data frequently. As a result, you can keep
your balance sheet up-to-date and ensure your portfolio reflects changes in the housing market.
Transactions
All Accounts
The main screen under the Transactions section features a transaction register that displays the date, amount,
account name, category, and transaction status of each transaction. Once you start using Total Snapshot, your
transaction history begins to build, and history will be maintained in the system as long as you continue to log in on
a somewhat regular basis. Newly-linked accounts will bring over 2-4 weeks of transaction history, on average.
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Other Services –
Transaction Search allows you to find any transaction without having to remember the exact details such as which
account you may have used, the exact date of the transaction, or the exact name of the payee. Transaction Search
uses various elements of the transaction such as transaction description or memo value to perform the search.
Total Snapshot systematically categorizes all incoming transactions automatically, showing how money is being
spent or earned. With over 40 different preset categories such as restaurants, travel, and investment income,
Total Snapshot can accurately determine how most of your spending and earning is occurring.
You have the ability to categorize and re-categorize your transactions. The Total Snapshot categorization engine
continuously learns from user interaction and refines internal auto-categorization rules progressively to improve
future transaction categorization. You can also re-title categories so they have names that may be more
meaningful to you. Additionally, you can create subcategories where you may want to move transactions (for
example, if you knit you might give the Hobbies category two subcategories, one for yarn and one for needles).
More flexibility is offered by allowing you the option to split transactions. So a single $100 visit to Sam’s Club
could be divided between food, hobbies, and housewares, based on the items purchased, for more accurate
budgeting and expense tracking.
In addition to Transactions, the All Accounts section includes the following tools which can be found by mousing
over the Transactions tab title:
Custom Categorization Rules
You can use the Custom Categorization Rules page to create your own
categorization rules for transactions. The custom categorization rules can be
used to identify and correctly categorize transactions that the global
categorization rules may not be able to identify, such as your paycheck or
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Other Services –
rent check. For example, you can create a rule to automatically categorize your monthly rent and another rule to
automatically identify and categorize your paycheck.
Rules can be created based on specific transaction amounts or ranges, descriptions, and the like. You could create
a rule that says that any purchases using the word "books" in the description and exceeding $100 appear in the
Education category. Any purchases below that amount with "books" in the description should go to the
Entertainment category.
Manage Categories
Total Snapshot has a predefined set of transaction category names. You can use the Manage Categories page to
edit the predefined names. Changes made to the transaction category names are saved and will be displayed in
the Category drop-down list.
Spending Reports
Total Snapshot provides an easy-to-use interface for creating and maintaining
an individualized personalized budget. Using Total Snapshot, you can set
budgets and see how you are tracking against your spending limits. This
information is displayed in graphic and tabular formats.
You can evaluate and adjust your individual budget at any time based on better
awareness of your financial activities and spending habits. The Set Budget
Goals page provides an average monthly spending analysis, current monthly
totals, and the ability to establish budgets by category.
Cash Flow Analysis
The Cash Flow Analysis Chart report provides a graphic representation of your
income versus expenses over a specified period of time. At the bottom of the Cash Flow Analysis Chart you will
see the same data presented as a table. Each cell in the table is a link that takes you to the transactions that make
up that particular total.
You can choose to run the Cash Flow Analysis Chart report either for the past 3, 6, or 12 months, or for this year or
last year. The report also displays the average monthly net cash flow and total net cash flow for the selected
period. (NOTE: History begins to build when you link accounts, so a 12-month analysis may not be available until
you’ve been using Total Snapshot for a year or so.)
Expense Analysis
The Expense Analysis reports provide a graphical representation of data that has been categorized by you or the
system. A classic pie chart is shown to give you a sense of how your money is being spent.
Spending by Category
The Spending by Category report gives you the opportunity to see spending for an individual category in one or
more account groups over a designated period of time.
Budget vs. Actual Spending
With this took, you can track how you are doing against budget goals you have set for yourself on a category-bycategory basis.
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Other Services –
Credit Card Utilization
This is a graphical and tabular report showing with the credit line, outstanding balance, utilization percentage, and
interest rate for each of your linked credit cards.
Personalized Reports
Use this feature to create reports showing tax-deductible transactions, medical expenses, business transactions,
and personal expenses.
Set Budget Goals
Establish your budget goals and generate reports to see how the goals measure up to your spending reality with
this feature.
Manage Accounts
Use Account Groups to logically organize accounts to simplify the management of
your finances. For example, group all of your retirement investment accounts
together to see how close you are to your retirement goals.
The Manage Sites and Accounts page displays all the accounts you have added.
Using this module, you can edit your login information, auto-login, delete, or deactivate the account.
Deactivating a site in Total Snapshot will temporarily disable the site details and prevents data from being updated
in Total Snapshot. You can choose to reactivate it whenever you want. Deleting a site will permanently remove the
site and its login information from Total Snapshot.
Options
The Options tab gives you another way to get to the Manage Sites and Accounts page, and also allows you to edit
your application preferences, change your Dashboard layout, edit your Dashboard display, manage categories
and disable the Get Started tab.
29
Other Services –
Financial Calendar
The Financial Calendar displays all of your upcoming bills, bill payments and funds transfers that are either due or
scheduled in the current month. Bills, payments and transfers are noted on the exact due date in the calendar.
You can choose to view or edit payments, see transfers, or review bill information by clicking the applicable links.
Log Out of Total Snapshot
You can log out of Total Snapshot by clicking Log Out in the top right-hand corner of the page. If your Total
Snapshot session is inactive for 15 minutes or more, you will be automatically logged out and will see a session
termination message.
30
Preferences –
Account
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.






Click on Account.
Choose an account to
modify.
Key in the Display
Name (nickname).
Under #, enter the
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.
Account Preferences is also
where you will enable, order
and nickname accounts for Text
Banking once you are enrolled.




Select the Text
Accounts tab (only
available after Text
Banking enrollment is
complete).
Choose each account
you wish to Enable for
Text Banking.
Modify the order if
desired.
Choose a Nickname
you will use for Text
Banking (no more than
4 characters available).
31
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:
o
o
o
o
New Account
New Date
New History
New Transaction
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).
32
Preferences –
Alerts continued
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,
other debits, credits).
A New Transaction Alert
notifies you of a specific onlineoriginated transaction that can
affect your account.





Under Account
Criteria, choose an
account from the dropdown Account box.
Choose a Type and
Status of action from
the drop-down box
under Alert Criteria.
Choose a notification
option from the
choices under
Notification
Frequency.
And choose how you
want to receive the
alert under
Notification
Preferences.
Click OK to submit.
33
Preferences –
Security
Security Preferences
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 your Password.
Update Secure
Delivery information.
Set up security Alerts.
To Change Your Password:
 Key in Old Password.
 Key in New 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.
Click on Add Delivery
Contact to add new
numbers.
Update existing phone
numbers for secure
contact information.
E-mail addresses are NOT used
for secure delivery.
34
Preferences –
Security continued
Security Alerts
Security Alerts allows 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.
35
Preferences –
User
User Preferences
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 (the address where
statements and other
notifications are sent), please
contact Customer Service.
36
Preferences –
Mobile
Mobile Preferences
To use Mobile Banking services,
you must enroll under the
Mobile option in the
Preferences menu. This allows
you to use your existing Bank
OnLine User ID and Password
with Mobile Banking.
Once enrolled, you will have
access to the web-enabled Mobile
Banking URL for smartphones at
https://ebank.americanbank.com
/mobile, as well as to the
American Bank apps for the
Android, iPhone, iPad and iPod
Touch (available for download in
the appropriate App Store).







Click Mobile under the
Preferences menu.
Select the Mobile
Enrollment tab.
Click the Yes, enable
my User ID and
Password… check box.
To use the Mobile
Banking URL for webenabled smartphones
instead of an app,
enter your e-mail
address and click Send
to have the URL sent to
you.
Click Submit to enroll.
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.
Now you can use your Bank
OnLine User Name and
Password to log into Mobile
Banking.
37
Preferences –
Mobile continued (Text Banking)
Text Banking Enrollment
To use Text Banking services,
you must enroll using the
Mobile option in the
Preferences menu.





Click Mobile under the
Preferences menu.
Select the Text
Banking tab.
Select Yes, enable my
accounts for use on
my text device.
Enter the number for
your text-enabled
mobile device in the
SMS Text Number field
and agree to the Terms
and Conditions and
Privacy Policy.
Click on Submit.
A text message will be sent to
the mobile device you specified,
welcoming you to Text Banking.
You will be directed to the
Account Preferences page
where you can enable, order,
and nickname your accounts for
use with Text Banking.
38
Preferences –
Mobile continued (Text Banking)
Text Banking Commands
Text Banking can be used to
quickly access:




Balances
History
Funds Transfers
American Bank
information
Send text commands to
BANKME (226563).
Note: Signatures (or any other
text such as phone numbers)
appended to text messages may
cause errors in processing. It is
recommended that you disable
your automatic signature (or
any appended text) when
sending Text Banking
commands.
Text Command
Action
BAL or BAL <account nickname>
Receive your account balance (if you do not
specify an account nickname, the balances
of all enabled accounts will be provided).
Receive your account history.
HIST <account nickname>
XFER <from account nickname><to
account nickname><amount>
LIST
Transfer funds between accounts
HELP
Receive a list of contact points for
American Bank Text Banking.
Stop all text messages to the mobile device
(this stops SMS alerts/notifications as well
as text banking functions).
STOP
Receive a list of available text commands.
39
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.
40

Bank OnLine User`s Guide

Transcription

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