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Personal Online

Banking & Bill Pay

Guide to Getting Started

https://www.vectrabank.com 2 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC

What’s Inside…

Welcome to Vectra Bank Online Banking.

Whether you’re at home, at work, or on the

road, our online services are here for you 24

hours a day, seven days a week.

This guide is designed to answer your

questions about Vectra Bank Online Banking

and Bill Pay and explain how these services

can help you manager your finances online.

Learn how to:

View account information

Transfer funds

Pay and manage bills

Download account transactions

Receive statements online

Contents

Security at Vectra Bank .................................................................... 4

Getting Started Online ...................................................................... 5

Setting Up SecurEntry™ .................................................................... 6

My Bank Overview ............................................................................ 7

Account Preferences ......................................................................... 8

Change Account Preferences ........................................................... 8

Manage My Favorites View .............................................................. 8

Message Center ................................................................................ 9

Secured Messages ............................................................................ 9

Security Alerts .................................................................................. 9

Account Alerts .................................................................................. 9

Personal Reminders .......................................................................... 9

Search Transaction History ............................................................. 11

Download Account Transactions .................................................... 12

eStatements and eNotices .............................................................. 13

Transfer Funds ................................................................................ 14

Add External Transfer Accounts ..................................................... 15

........................................................................................................ 15

Add Transfer-to-a-Friend Accounts ................................................ 15

Bill Pay Overview ............................................................................ 16

Add Biller ........................................................................................ 16

Make Bill Payments ........................................................................ 17


Schedule Repeating Payments In Advance .................................... 17

Receive Your Bills Electronically ..................................................... 17

Other Services ................................................................................. 18

Request a Copy of a Check, Deposit, Withdrawal, or Statement... 18

........................................................................................................ 18

Request Stop Payments ................................................................. 18

Enhanced Account Protection ........................................................ 19

Contact Us ....................................................................................... 20

Note: the information in this Guide, and the look, feel, and

operation of Vectra Personal Online Banking, are all subject to

change by Vectra Bank at any time, with or without prior notice.


Security at Vectra Bank

What We Do: Vectra Bank understands the importance of customer security. We employ many different types of technology to help protect

your funds and account information when you use Personal Online Banking. For example:

We use Secure Sockets Layer (SSL) technology to encrypt and to help protect your data as it crosses the Internet.

We open sessions when you access Personal Online Banking, which expire within minutes of inactivity on your browser.

We employ detection and prevention technologies to help protect our network and access to your information.

We email Security Alerts to you automatically when certain high risk activities occur online, such as Login ID changes, password changes,

or when new External Accounts and Transfer-to-Friend Accounts are added to your profile.

What You Can Do: Internet Security is a cooperative effort and we encourage you to exercise safe online banking practices, including:

Keeping your information secure: don’t share or write down your username or password; monitor your account regularly, check your statements

promptly, and report any suspicious activity immediately; and sign up for eStatements to keep paper statements from waiting in your mailbox for others to

steal.

Keeping your computer secure: use anti-virus and anti-spyware software and update them regularly; install intrusion prevention software; close your

browser after logging out of your account; and update your browser to make sure you have the latest version.

Bookmarking https://www.vectrabank.com: access your Vectra account by clicking on that bookmark, or by typing that address into your browser

directly, rather than clicking on links embedded in emails or other websites; before entering your login credentials, verify that the “s” in “https” appears in

your browser address line.

Sign up for the services listed below

Services Available to You:

Vectra Bank has products and services designed specifically to help you avoid internal security breaches. We invite you to take advantage of these

services to improve your internal security:

Install IBM Security® Trusteer RapportTMBrowser Protection Software: Vectra lets you download Trusteer Rapport* security software from IBM

Security free of charge! Run Trusteer Rapport in addition to your anti-virus, anti-malware, and firewall software. Trusteer Rapport helps you protect your

browser from malware attacks and fraudulent websites. Trusteer Rapport’s innovative technology helps pick up where conventional security software fails.

Opt out of traditional paper statements and receive only eStatements: Avoid paper statements sitting around in your mailbox waiting for you to

retrieve them. Online statements are password protected and encrypted on our online banking platform. Register for free eStatements in Online Banking.

Use Bill Pay to eliminate mail fraud: Stop the fraudsters from stealing your account information by directly receiving E-bills and paying them online.

Enroll in Enhanced Account Protection: This mobile-based transaction authentication service adds an additional layer of security in Personal

Online Banking. Transactions that meet the threshold defined by Vectra Bank require SMS authentication before they can be completed.

*By downloading and installing IBM® Security Trusteer Rapport™, you agree with all of IBM Security’s terms and conditions. Zions Bancorporation, N.A. and other members of the Zions Bancorporation family of companies are not

associated with IBM and are not responsible for and do not guarantee the content, services or operation of Trusteer Rapport. All problems, questions or concerns regarding IBM Security Trusteer Rapport should be directed to

http://www.trusteer.com/support/submit-ticket. IBM® and Trusteer Rapport™ are trademarks or registered trademarks of the International Business Machines Corporation, registered in many jurisdictions worldwide.

http://www.trusteer.com/support/submit-ticket


Quick Tip: For your protection, if you or someone trying to access your accounts uses an invalid password three times, we will block your

account. To regain access, please call us at 1-800-884-6725 Monday to Saturday 7am to 8pm MST. Once we confirm your identity, we will give

you a temporary password.

Getting Started Online Logging into Online Banking is easy. Just open your Web browser and type vectrabank.com in the address line*. You’ll be able to view your account

information, transfer funds and more in seconds.

Not banking online yet? Click Enroll Now to get

started today.

Forgot your Password? Use our Password Reset tool

to reset your password online.

Looking for the nearest branch? Enter a zip code in

our ATM & Branch Locator tool.

*Look for the “s” in the “https” to verify you are at our

secured site and then bookmark the page for future use.

Avoid accessing your accounts by clicking links

embedded in emails or other websites.

Open your Web browser and type

https://www.vectrabank.com.* 1

• Enter your User ID.

• Enter your Password.

• Click the red arrow to proceed to

Personal Online Banking

2


Setting Up SecurEntry™ Vectra Bank has encryption, firewalls and intrusion monitoring systems in place to help prevent fraud. When logging in for the first time, you will be

asked to provide identifying information that will help our system to recognize you when necessary.

1. Choose SecurEntry Challenge Questions

from the drop down menus.

2. Provide an answer to each Challenge

Question.

3. Click Continue.

4. Review the answers you provided and then

click Submit.

These steps add extra layers of identification to

help confirm it’s really you logging in.


My Bank Overview My Bank Overview is the first page you see once you log in to Online Banking. Here’s where you can see an overview and summary of your Vectra

Bank accounts.

From the My Bank page, you can:

Navigate to almost any

feature in Online Banking

with one click

Create My Favorites

account views.

View prior day, current

and available balances.

See different account

types in your profile.

Click the Account Name

to display detailed history

for that account.

Initiate Quick Transfers

between accounts.

Contact us, get help, or

log out of Online Banking.

View date and last login.

Click the Red Arrows to

expand/collapse panels.

View outstanding

messages from the Info

Center.

See scheduled, pending

and cleared transactions.

Review credits and debits

posting to your accounts.

Review multiple pages of

transaction history.


Account Preferences

Change Account Preferences

The Change Account Preferences page enables you to set preferences

specific to each of your accounts in relationship with Online Banking.

Use the Change Account Preferences page to:

• Define the account nickname.

• Define the default number of days cleared transactions are

displayed in history.

• Define which account information is displayed in Online Banking.

• Define the default account.

Manage My Favorites View

My Bank Account Preferences page enables you to define multiple, personalized, account

Favorites Views as well as define the default view displayed on the My Bank page.

Navigate by clicking on the My Bank View link> Manage Favorites View from the My Bank page.

A Favorites View consists of a selected group of accounts. When the view is

selected on the My Bank page, the Account section of the page only displays

the accounts defined in that Favorites View.

You can manage and create new views by selecting the links on the page.


Message Center The Message Center is a centralized location where you can work with messages, alerts, and reminders. You can manage alerts and reminders for

notification of account and transaction activities and events. These notifications are delivered to one or more locations, based on your defined

delivery options. The Manage Alerts page enables you to create, edit, view, or delete alerts.

Secured Messages

The Messages feature in Online Banking enables you to send,

receive, and view secured messages from the Vectra’s Online

Banking Support Team.

Security Alerts

When profile adjustments are made to your online banking profile,

security alerts are automatically sent to your email address to

provide you with information, such as when your password or login

ID were changed.

Security Alerts are automatically sent by email for the following

online activities:

• New Transfer-to-Friend Account added to profile

• New External Account added to profile

• Login ID Change

• Password Change or Reset

Account Alerts

These alerts are optional. You can choose which alerts you want to receive, and then define specific details of the message. Account Alerts

include period balance, alerts that an account balance is over or under a certain dollar amount, and successful transfers.

Personal Reminders

Reminders are notifications you can create to help you remember an event or task. You could set up reminders, for example, to remember

to make a loan payment or to reorder checks


Quick Tip: You can sort your transactions

by date, type, description, status, debit, or

credit by clicking on the column headings.

Account Activity

You can get detailed information* in two ways. You can either select an account from the list on the My Bank page, or you can use the Account

Register link under the Accounts tab from the navigation menu.

1. From the Accounts tab, choose Activity.

2. Use the Account Register Selection to select

an account and search by category.

3. Click View to see an overview of the account

for the search by category you selected.

4. View up to 18 months of your transaction

history, as well as pending transactions,

scheduled payments, scheduled transfers, and

check images.

5. Click on transaction links to see more detailed

information, to view check images, or to adjust

scheduled transactions.

*Detailed transaction history is not available for certain

account types.


Search Transaction History The Transaction Search page also makes it easy for you to locate and view detailed information about specific transactions. You can also view

images of cleared checks and deposits by clicking on the transaction link.

1. Select account.

2. Choose the type of transaction you are looking for: ATM,

Check, Credit, Debit, Deposit, Fee or select All Types.

3. Enter a reference id, date, or amount. If you don’t know the

exact information use the range search.

4. Click Search.


Download Account Transactions To help manage your finances, download your transaction data into personal financial management software, such as Quicken® or QuickBooks®.

Save time and monitor your cash flow with this convenient feature.

1. From the Accounts menu, choose Balances.

2. Select the appropriate download option. If your

software is not on the list, you can choose the .csv

format, which is compatible with most spreadsheet

applications.

3. Click the Download button. The Download Activity

page appears.

4. Click to select the check boxes for the accounts to

download.

5. Select one of these options: All transactions since last

download or date option.

Quick Tip: Use your personal financial

management software, such as Quicken® or

QuickBooks®, to reconcile your accounts and

forecast account balances.


eStatements and eNotices Receiving statements and notices online saves time and cuts down on paper clutter. This service is available for eligible deposit accounts and

loans. 18 months of statement history will be stored online. Online statements have the same information as the paper version, and are available

sooner. The bank notifies you through email when an eStatement or eNotice is ready.

1. From the Accounts tab or from the Services

menu, select eStatements/eNotices

2. Select the Enroll – Stop Paper Documents

link under Quick Links to enroll into

eStatements or eNotices

3. Select to receive electronic versions of

statements, notices, or both. Choose to go

paperless by selecting the check box next to

the account in the enrollment preferences

4. And that’s it! Online delivery will begin at the start

of the next statement cycle.

5. Once enrolled, filter account statements or

notices by selecting the account, document type,

and the time period desired.

6. Select the specific document by name to view the

statement or notice.

7. View a list of eNotices or your Statement Inserts

using Quick Links.


Transfer Funds

From the Transfers menu, you can access the Transfer Center, where you can create, edit and view transfers. You can also create, edit, delete, and

view transfers to your External Account and Transfer-to-Friend Accounts.

The Transfer Center provides a central place where you can

view and manage transfers among your Vectra Accounts, or

between your Vectra Account and an External Account at another

financial institution. Using this page you can:

• View a list of scheduled, completed and all transfers by

a specified date range

• Create a printable view of the transfers list

• Create a transfer

• View and print a transaction receipt

• View an individual transfer

• Edit a scheduled transfer

• View the history for a scheduled transfer

• Delete a scheduled transfer

Other Accounts provides a central place where you can view

and manage your External Transfer and Transfer to a Friend

Accounts.

• View status of pending External Transfer Accounts

• Add External or Transfer to a Friend Account

• Change nickname for the accounts

• Delete accounts you no longer need


Add External Transfer Accounts

Add accounts you hold with other financial

institutions to make transfers between the

external account and your Vectra accounts.

With an external account you can transfer

funds, but you will not be able to view the

balances or history of the external account.

Note: You can also add friend accounts at other

financial institutions to make transfers between

your Vectra accounts and your Friend’s External

Account. Simply complete the form under the

Other Accounts submenu titled Add Friends

External Account.

Add Transfer-to-a-Friend Accounts

Transfer-to-Friend Accounts are owned by someone else. Your

permission with this account type only allows you to “transfer to”

the account. You can add a Transfer to a Friend account to which

you can transfer funds, as long as the friend’s account is held at

Vectra and the friend is also enrolled in Business or Personal

Online banking.

Enter your account number, account type,

bank name and bank ID (routing number).

Enter your friend’s Vectra account number. Once

added, this account will be displayed in the transfer

list of available accounts to credit.


Bill Pay Overview

Pay bills your way with Bill Pay. It saves you time and is convenient. You can schedule recurring payments for bills that are due the same time each

month, like your car, mortgage, or cable payment. Or, make payments manually each time. You choose.

Add Biller

To begin paying bills, you need to add a

biller (payee). A biller is any company or

person you pay, such as your utility

company, cable provider or baby sitter.

You’ll need biller information (i.e., a recent

bill or statement) to get started.

1. Select the Add a company or person

to pay button, and select a category

or use the search field.

2. You will then be instructed to provide

the account number and billing

address of the payee.

3. Click Add Bill and the new payee will

be added to your payee list.


Make Bill Payments

Making payments with Bill Pay is easier than writing a check. Select the

payee and enter the amount and date that you want your payment delivered

by. Then click Make Payments. The item will move to the Pending Payments

section. You can edit or cancel a payment up until it is processed.

Schedule Repeating Payments In Advance

Pay regularly occurring bills for a fixed amount, such as a mortgage or car

payment.

1. Select Add an automatic payment from Manage My Bills.

2. Set the specifics (amount, frequency, delivery date, etc.).

Receive Your Bills Electronically

An E-bill is an invoice from a biller that you can view and pay online through Bill

Pay. E-bills contain the same information found in a paper bill. If your biller has

the capability to send an E-bill, there will be an option next to the biller name.

1. Select Get Bill next to the payee to start a Trial E-bill or set up your E-bill

service. (A Trial E-bill allows you to try the service for 90 days while still

receiving a paper bill in the mail.)

2. At 14 days prior to the end of the Trial E-bill period, messages advise you on

the steps to take to continue the E-bill service.

3. If a Trial E-bill period expires and no action has been taken, a message

advises you that the E-bill is no longer active.


4. Following the simple steps to continue the E-bill service offers easy, online

access!

Other Services The Services menu provides you with other online services that are convenient, that save time, and that can be done right within Personal Online

Banking. There’s a variety of online service options available to you.

Request a Copy of a Check, Deposit, Withdrawal,

or Statement

Occasionally you may need to order a copy of a check or a

withdrawal slip.

Simply fill in the details, submit the request, and the bank will send

the item through the mail. It’s just as easy to request copies of other

items.

Keep in mind that you still have the option of viewing copies of

checks and transaction slips in your online transaction history or

even in your eStatements.

Request Stop Payments

You can also make online requests to stop

payment on certain types of checks.

Simply fill in the details, submit the request, and

the bank will begin processing the stop payment.


Online requests to place stop payments can take

one full business day to take effect.

Enhanced Account Protection

Enhanced Account Protection, or EAP, is a mobile-based transaction authentication service that adds an additional layer of security to help protect

your account from fraudulent transactions. If you are enrolled in EAP, certain online activity will require authentication via SMS text messages

before the request can be completed.

1. When online activity requires EAP, you are presented

with a page where you must successfully enter the

correct PIN and SMS token code before the online

request can be completed.

You define your PIN when you enroll in Enhanced

Account Protection.

2. The token code is system-generated and is sent to your mobile device as a text message, along

with the transaction information or activity being requested.

This unique token code is only valid for one transaction at a time and expires after 8

minutes.


You can also become locked if there are too many unsuccessful validation attempts.

Contact Us

Ready When You Are. Banking at Vectra.

At Vectra Bank Colorado, we understand the importance of providing access to your financial information when you need it. And we want to be

there when you’d like to speak to a real, live person as well. To contact a Vectra Bank representative by phone (Monday – Saturday from 7am –

7pm MT) please call 1-800-232-8948, or click here to contact us via e-mail, or choose from the other options listed below.

Banking and Customer Service (or to report unauthorized or erroneous transactions): 1-800-232-8948 (Monday – Saturday, 7am – 7pm MT)

Online Banking Support: 1-800-884-6725 (Monday – Saturday, 7am – 8pm MT)

PC Banking Software Support (Quicken & QuickBooks): 1-800-884-6725 (Monday – Friday, 8am - 6pm MT)

Report a lost or stolen credit card: 1-866-749-7470

Consumer Loan Payments can be mailed to the following address: Vectra Bank Colorado P.O. Box 30813 Salt Lake City, UT 84130

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