U S E R G U I D E July 2017

i July 2017

U S E R G U I D E

Section Page No.

Introducing: New Bil l Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

Benefits of New Bil l Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

Main Screen Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

Add a Payee: P icturePay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Add a Payee: Tradit ional Method . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Pay Your Bi l ls . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Recurr ing Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 1

Logout . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 1

Bil l Pay for Mobile Banking App . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Add a Payee .......................................................................................................................................... 12

Make a Payment .................................................................................................................................. 13

1 July 2017

U S E R G U I D E

Introducing: New Bill Pay As part of our conversion to the Next Generation Online Banking system, our Bill Pay system has been upgraded as well. Your current Bill Pay solution has a new look. The new Bill Pay product looks and performs much like the old Bill Pay system, so learning how to use new Bill Pay is simple and straightforward. And — the best part — all of your current Payees are in the new system already! Plus, we have added a convenient new capability – PicturePay. Create a new Payee or make a payment by simply taking a picture of your bill — fast and easy! As you begin to use new Bill Pay, refer to this User Guide for screen-by-screen instructions.

We want your mobile Online Banking experience to be the best it can be. So, if you use your Smartphone to get your online banking done on the go, please be sure to use our Mobile Banking App.

The App is designed and optimized for Smartphones, and has all of the same features that are available on our web-based system. When you use your browser instead of the App, you’ll be very frustrated because the screens will not display properly on your phone.

Save yourself that frustration and download the Mobile App today!

2 July 2017

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Benefits of New Bill Pay

Seamless Operation

New Bill Pay is integrated into your online banking platform to provide you with even more secure access. It is no longer necessary to leave one site for another when you want to pay your bills.

Easier, Cleaner Interface

We kept all of the important features of Bill Pay and cleaned up the screens to make processing a payment faster.

Payments Clear Just Like Checks No more pending payments on your account. Funds for electronic payments with large merchants are deducted from your account on the day the payment is sent electronically. Funds for payments sent to smaller payees clear just like a normal check.

Reminder: You must have sufficient funds when making your bill payments.

PicturePay Setting up a Payee is as fast as taking a picture of the Bill! We use the latest Optical Character Recognition (OCR) technology, so you may now populate the fields necessary to set up a payee in a few seconds. This eliminates the need to type in all of the information yourself. Nice, huh?

3 July 2017

U S E R G U I D E

Main Screen Overview New Bill Pay is much like your current Bill Pay. We simplified the main screen, keeping all of the essential functions necessary to set up a Payee and pay a bill. See for yourself:

OLD MAIN SCREEN

NEW MAIN SCREEN

4 July 2017

U S E R G U I D E

There are two ways to add a new Payee. The first method is the traditional way you’ve always entered payees. The second is new PicturePay. Let’s start with the new and fun method!

Add a Payee: PicturePay PicturePay is a new feature of Bill Pay that allows you to provide all of the information required to add a Payee simply by taking a picture of your bill! Navigate to Bill Pay from the Sidebar Menu or use the arrow keys in the blue Navigation Bar. Then, select NEW PAYMENT as shown below.

5 July 2017

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Take a picture of your bill, making sure to include all of the information needed to set up your new payee. Once you’ve taken a picture of your bill, select Upload Image. Select the appropriate file on your computer and click Open.

We use the latest Optical Character Recognition (OCR) technology that allows you to populate the fields necessary to set up a Payee in a few seconds. This eliminates the need to type in all of the information yourself. Nice, huh?

GoodtoKnow

6 July 2017

U S E R G U I D E

You will receive a confirmation message that your payee was submitted successfully. That’s all there is to it. Next time you open Bill Pay, your Payee will be there and all you need to do is enter the amount and the payment date.

You will now see the image of your bill at the top of the form. Verify that all information is correct, then press Next.

Your bill will be processed according to your instructions, so be sure that all information is correct, then press Confirm.

7 July 2017

U S E R G U I D E

Add a Payee: Traditional Method Navigate to Bill Pay from the Sidebar Menu or use the arrow keys in the blue Navigation Bar. Select ADD A PAYEE.

Using your bill for reference, complete each section of the pop-up form, then press Submit.

You will receive a confirmation message that your payee was submitted successfully. Next time you open Bill Pay, your Payee will be there and all you need to do is enter the amount and the payment date.

8 July 2017

U S E R G U I D E

Pay Your Bills After your Payees are added to your Bill Pay account, you may begin paying your bills. Navigate to Bill Pay from the Sidebar Menu or use the arrow keys in the blue Navigation Bar. Select the bill you wish to pay from your list of available bills and provide all required information.

Note that your list of Payees is very similar to the old Bill Pay, as shown here.

9 July 2017

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When you click into the field to enter the Deliver On date, a calendar will pop up. Select the date you want your payment to arrive at your Payee. Please note that payment dates will vary by Payee.

Keep in mind that payment-processing times vary by Payee. Be sure to check the pop-up calendar to determine when your payment will arrive for that particular bill. For an additional fee, some bills may be expedited.

GoodtoKnow

Just like on a paper check, you may write a memo to help you remember what the payment is for or to provide needed information. When you have entered your memo, press Okay.

10 July 2017

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Once you have entered all of your payment details, press Submit. You will receive a confirmation that your payment was submitted successfully along with a Confirmation Number.

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Recurring Payments The system defaults to a one-time only payment. If you wish to set up a recurring payment on a set schedule, click on Set Recurrence.

Logout When you are done paying your bills, simply click on in the upper right-hand corner of the screen.

Then, select one of the available recurring payment options from the drop-down list. Click Next.

12 July 2017

U S E R G U I D E

Bill Pay on the Mobile Banking App We want your mobile Online Banking experience to be the best it can be. So, if you use your Smartphone to get your online banking done on the go, please be sure to use our Mobile Banking App.

The App is designed and optimized for Smartphones, and has all of the same features that are available on our web-based system. When you use your browser instead of the App, you’ll be very frustrated because the screens will not display properly on your phone.

By their very nature, mobile apps tend to be very intuitive, so here we’re providing just a few screens to get you started.

Add a Payee You may add a Payee by clicking on SNAP A PHOTO � or by choosing ADD A PAYEE �.

If you choose SNAP A PHOTO �, the screen above will pop up. Be sure to follow the instructions provided for the fastest, highest quality result. Press Take Photo and then Accept.

If you choose ADD A PAYEE �, you will manually enter all information into each field and press Submit. If all of the information is correct on the Confirm Payee screen, press Confirm. Next time you open Bill Pay, your Payee will be there and all you need to do is enter the amount and the payment date.

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13 July 2017

U S E R G U I D E

Make a Payment Navigate to Bill Pay and select the bill you wish to pay from the list of Payees � available. Enter all required information on the Create Payment screen �. A calendar will pop up when you click on the Expected Delivery Date or Send Date fields �. Choose the appropriate date and press Done. To view the activity on any of your payments, click on the Activity bar. The status of each payment will be indicated below the Payee name.

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