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BUSINESS FIRST ONLINE REFERENCE GUIDE

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TABLE OF CONTENTS

Section Slide

LOGIN PROCESS & DEVICE REGISTRATION 3HOME PAGE 8ACCOUNT DETAILS & HISTORY 11ACTIVITY CENTER 16SECURE MESSAGES 19FUNDS TRANSFERS 23ONLINE BANKING ALERTS 26USER MANAGEMENT 38RECIPIENT MANAGEMENT 45ONLINE WIRES 50SYMANTEC TOKENS 54

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LOGIN PROCESS & DEVICE REGISTRATION

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1. Enter your ‘Login ID’ and ‘Password’.

2. Select ‘Log In’.

3. Select the delivery point to where you would like to have a secure access code delivered.

• Phone option will send a secure access code to the phone number on file as a voice call.

• SMS will send a secure access code to the phone number on file as a text message.

LOGIN PROCESS

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4. Enter the secure access code in the box once it has been received.

5. Select ‘Submit’.

6. Select the appropriate registration option

NOTE:

If you are at a private computer that you will use regularly to access online banking, you can register your browser for future access by selecting ‘Register Device’. To register your computer, we will place a secure token, or ‘cookie’ in your browser. Your PC must be configured to accept 'cookies' from this site. The next time you log on, you will only need to enter your User ID and password. The number of allowable registrations may be limited for the security of your account.

If you are at a public computer, select 'Do Not Register Device' and this computer will not be registered.

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7. Enter your current password in the “Old Password” field.

8. Enter a new password in the “New Password” and “Confirm New Password” fields.

9. The new password requirements are:

• At least 1 lower case letter

• At least 1 upper case letter

• At least 1 number

• At least 1 special character

• Minimum of 8 digits

10. Select ‘Submit’.

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10. Review the “First Time User Disclaimer” and click ‘Yes, I Agree’ to complete the first-time login process and proceed to Online Banking.

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HOME PAGE

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HOME PAGE

• The Home Page displays a listing of accounts accessible through Online Banking.

• The icon, allows you to view account activity and quick transfer.

• The Asset Summary displays the asset and debt allocation for accounts.

OVERVIEW

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HOME PAGE

How to Group Accounts:

To group accounts, grab an account tile from the home page and drag the tile to the drop box at the bottom of the screen. The drop box will only appear if you grab an account tile. You will then be prompted to create a group nickname for the new group you are creating.

The group nicknames that are displayed can be renamed by selecting the pencil icon.

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ACCOUNT DETAILS & HISTORY

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1. From the home page screen, select an account tile to view a listing of the details associated with the account.

2. Click on ‘Details’ to view information about the account.

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3. Transaction history associated with the account is listed on the screen below the account details. The newest transaction will appear on top by default.

NOTE: Transactions performed the same day, which are waiting to post to the account, will appear as ‘Pending’ in red font. All historical transactions will display the date the transaction posted to the account.

4. Select ‘Filters’ to view the various search criteria for transaction history.

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5. Transactions displaying an icon to the left of the description have an associated image. Click on the transaction to view the front and back of the item.

6. Select the down arrow icon on the top right side of the screen to display a listing of available download formats. The export will include all transactions specified in the filters chosen by the user.

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7. Select the message icon in the top right hand corner of the page to initiate a secure message directly to First United Bank’s Customer Service for any inquiries related to your account.

ACCOUNT INQUIRY

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ACTIVITY CENTER

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ACTIVITY CENTER

Single Transactions

• Select the ‘Single Transactions’ tab within the ‘Activity Center’ to view one-time online transactions.

• Select the ‘Filters’ option to reveal searchable fields.

Recurring Transactions

• Select the ‘Recurring Transactions’ tab within the ‘Activity Center’ to view online transactions which are setup to occur in a series.

Deposited Checks

• Select the ‘Mobile Checks Deposited’ tab within the ‘Activity Center’ to view historical checks that have been deposited using the Mobile Remote Deposit Capture functionality.

NOTE: This tab will not appear until you complete your first mobile deposit.

‘Activity Center’ lists all user activity initiated from within Online Banking.

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ACTIVITY CENTER

• Select ‘Actions’ to display a listing of available actions corresponding with the transaction.

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SECURE MESSAGES

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SECURE MESSAGES

1. A numeric indicator will appear in red next to the ‘Messages’ menu indicating how many unread messages are in your inbox.

2. Select ‘Messages’ from the menu bar along the side of the screen to view your messages.

3. Select ‘New Conversation’ on the right side of the screen to send a secure message to First United Bank.

NOTE: The ‘Messages’ feature is a secure messaging function which allows a two-way communication between the online banking user and First United Bank. Since the message is delivered securely within the Online Banking system, sensitive material may be sent back and forth between the customer and the bank.

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SECURE MESSAGES

4. Select the appropriate topic from the drop-down menu.

5. Click the ‘Supported Attachments’ link on the right side of the screen to show what file types are supported.

6. Click the paper clip icon to attach a file or document if desired.

7. Click ‘Send’ at the bottom of the screen to submit the message to First United.

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SECURE MESSAGES

8. Both incoming and outgoing messages will appear in the column directly to the right of the menus in descending date order (newest on top).

9. Select the arrow icon beneath ‘New Conversation’ to reply to a secure message or the trash box to delete the message.

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FUNDS TRANSFERS

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FUNDS TRANSFERS

1. Select ‘Payments and Transfers’ and then select ‘Funds Transfers’.

2. Select a ‘From’ account.

3. Select a ‘To’ account.

4. Enter a dollar amount.

5. Enter a memo for the transaction. (Optional)

6. Select the check box ‘Make this a recurring transaction’ if applicable. Then follow steps 7 and 8. If not utilized, skip to steps 8 and 9.

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FUNDS TRANSFERS

7. Select the desired transaction frequency from the drop-down menu if applicable.

8. Enter ‘Date’ for a one-time transaction. Enter a Start Date and End Date for a recurring transaction.

9. Select ‘Transfer Funds’.

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ONLINE BANKING ALERTS

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1. Select the ‘Settings’ tab in the menu and then select ‘Alerts’.

2. Select the desired type of alert from the drop-down menu in the top right corner of the screen.

OVERVIEW

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1. Select an account.

2. Select a field for the alert.

ACCOUNT ALERTS

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3. Select a comparison for which you would like to receive an alert for.

4. Designate a dollar amount and select ‘Save’.

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5. Select the delivery method for the alert.

6. Enter the delivery method.

7. Designate the desired time for the alert or select the ‘Send Immediately’ option.

8. Select the desired frequency.

9. Select the ‘Save’ button.

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1. Select the account.

2. Select a transaction type.

HISTORY ALERTS

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3. Select a comparison for which you would like to receive an alert for.

4. Enter an amount.

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5. Select a delivery method.

6. Enter the delivery point.


8. Click the ‘Save’ button.

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1. Select an online transaction type.

2. Select an account.

ONLINE TRANSACTION ALERTS

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3. Select the status of the online transaction that triggers the alert.

4. Select a delivery method.

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5. Enter the delivery method.

6. Designate the desired time for the alert or select the ‘Call Immediately’ option.


8. Click the ‘Save’ button.

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NOTE: Security alerts are listed at the bottom of the screen. Click the down arrow to expand the listing of available alerts. Some alerts are clickable and may be turned on or off. The most critical alerts are mandatory and cannot be turned off. These alerts are greyed out.

• Click ‘Edit Delivery Preferences’ to modify how and where to receive security alerts.

NOTE: Changes can also be made under the ‘Settings’ tab by selecting ‘Security Preferences’.

SECURITY ALERTS

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USER MANAGEMENT

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USER MANAGEMENT

1. Select ‘Commercial’ and then select ‘Manage Users”.

2. Click the ‘Add User’ button on the right side of the screen.

CREATING NEW USERS

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USER MANAGEMENT

3. Enter the required fields for the new user.

Note: If the chosen user ID is already in use it will not allow you to save.

4. Password assignment is temporary. User must login and change password within 72 hours before the password expires.

5. Click the ‘Save’ button on the bottom right hand corner of the screen.

6. Click on each transaction type to configure the user’s entitlements.

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USER MANAGEMENT

7. Within the transaction type, use the ‘Rights’ tab, to select the user’s transaction rights by toggling the checkmarks on/off.

8. Click on the icon to adjust the view rights.

a) Can view the user’s own transactions only.

b) Cannot view any transactions.

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USER MANAGEMENT

9. Click on the ‘Features’ tab

10. On the ‘Features’ tab, select the appropriate non-transactional features.

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USER MANAGEMENT

10. Click on the ‘Accounts’ tab.

11. On the ‘Accounts’ tab, select the appropriate entitlements for the user.

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USER MANAGEMENT

1. Click the pencil icon to edit the existing user.

2. Click on ‘Assign Rights’ towards the bottom right corner of the screen.

3. Follow steps 6-11 in the ‘Creating New Users’ section above.

MAINTAINING EXISTING USERS

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RECIPIENT MANAGEMENT

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NOTE: A ‘Recipient’ is an individual or company which is the wire will be sent too.

1. Select ‘Commercial’ and then select ‘Recipients’.

2. Select ‘Add Recipient’ on the right side of the screen

ADD RECIPIENT

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3. Enter ‘Display Name’, and ‘Wire Name’. These can be the same.

NOTE: ‘Send e-mail notifications’ generates an e-mail to the recipient at the time the Wire transaction is processed by First United Bank. The email message does not contain confidential information.

4. Complete recipient’s address. This is required for Wire Transfers.

5. Select ‘Next’ to add a recipient account.

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7. ‘Payment Types Allowed’ designates what transaction type(s) the account is eligible for.

a) ‘Wire Only’ will display only on fields corresponding with Wires. Enter the recipient’s account number, Wire Routing Number and address information.

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1. Select the ‘Wire Only’ under ‘Payment Types Allowed’

2. Select ‘International’ under ‘Beneficiary Type’.

3. Select ‘SWIFT/BIC’ under ‘International Account Type’.

4. Enter the account number under the ‘Account Detail’ heading.

NOTE: The ‘Financial Institution (FI)’ field is for Domestic Wires only if applicable.

5. Enter the Beneficiary financial institution’s name and country.

6. Enter the Beneficiary financial institution’s IBAN or SWIFT/BIC code.

7. Enter the Receiving Bank’s information if applicable.

8. Enter the Intermediary financial institution’s information.

NOTE: Once the domestic or international recipient has been successfully setup, it will be listed on the ‘Recipient Management’ page.

INTERNATIONAL RECIPIENT

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ONLINE WIRES

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ONLINE WIRES

1. Select ‘Commercial’ and then select ‘Payments’.

2. Select ‘New Payment’ on the right side of the screen

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ONLINE WIRES

3. Select ‘New Recipient’ to create a new payee. It will take you to the ‘Add Recipient’ page to insert the payee information.

4. Search by Recipient Name or account. Fill out the fields to complete the transaction details.

NOTE: You must check the ‘Pay’ in order to move to the next step. If you listed the email address when creating the recipient information, by selecting ‘Notify’ allows an email to be sent to the recipient when the payment is processed. It will not contain confidential information.

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ONLINE WIRES

5.. Select ‘Draft’ to initiate the wire transaction.

6. If you are an approver, you will be able to review the transaction prior to selecting ‘Approve’

NOTE: Only Users who are delegated as an ‘Approver’ will need to use a token in order to complete the transaction.

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SYMANTEC TOKENS – VIP ACCESS

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1. Go to Google Play store and search for the ‘VIP Access’ app.

2. Download the app to your Android device.

3. Contact First United Treasury Management to connect your VIP Access Credential ID with your login.

NOTE: The Security Code will be used for transaction authentication. The value changes every 30 seconds for security purposes.

ANDROID VIP ACCESS APP

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1. Go to the App Store and search for the ‘VIP Access’ app.

2. Download the app to your Apple device.

3. Contact First United Treasury Management to connect your VIP Access Credential ID with your login.

NOTE: The Security Code will be used for transaction authentication. The value changes every 30 seconds for security purposes.

APPLE / iOS VIP ACCESS APP

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