Elements Financial Personal Online and Mobile Banking eGuide

User Guide Elements Online & Mobile Banking

II

Published by Murphy & Company, Inc. 13610 Barrett Office Dr

St. Louis, MO 63021 www.mcompany.com

© 2009-2022 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2eBanking. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

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Getting Started Welcome to Online Banking with Elements Financial! Whether at home or at the office, from a mobile phone, tablet or laptop, we strive to make your online banking experience easy and convenient. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the online banking process. If you have additional questions, contact us (317) 276-2105 or toll-free (800) 621-2105.

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Table of Contents Getting Started

New User Enrollment ...................................................................................................7 Logging In.......................................................................................................................9 Logging Off ............................................................................................................................. 9 Resetting A Forgotten Password...............................................................................10 Home Page Home Page Overview .................................................................................................12 Account Summary Overview .............................................................................................. 14 Account Details Overview ..........................................................................................15 Account Nickname......................................................................................................17 Account Grouping.......................................................................................................18 Editing a Group Name......................................................................................................... 19 Deleting a Group.................................................................................................................. 19 Security Protecting Your Information......................................................................................20 General Guidelines .............................................................................................................. 20 Login ID and Password........................................................................................................ 20 Fraud Prevention ................................................................................................................. 20 Login Preferences .......................................................................................................21 Change Password ................................................................................................................ 21 Change Login ID ................................................................................................................... 22 Secure Delivery .................................................................................................................... 23 Mobile Security Preferences......................................................................................24 Enabling Touch ID or Fingerprint Login ............................................................................ 24 Enabling Passcode Authentication .................................................................................... 26 Disabling Passcode Authentication, Touch ID or Fingerprint Login .............................. 27 Enabling Face ID................................................................................................................... 28 Alerts Overview ...........................................................................................................29 Account Alerts ...................................................................................................................... 30 History Alerts........................................................................................................................ 31 Online Transaction Alerts ................................................................................................... 32 Reminder .............................................................................................................................. 33 Security Alerts Overview ............................................................................................34 Edit Delivery Preferences.................................................................................................... 34 Enabling and Disabling Push Notifications..............................................................35 Secure Message Overview .........................................................................................36 Sending a Secure Message ........................................................................................37

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Transaction Types Transfers & Payments ................................................................................................38 Transactions Transfer Funds ............................................................................................................40 Adding A Personal External Account ........................................................................42 Manage External Transfer Accounts.........................................................................43 Nickname External Transfer Accounts.............................................................................. 43 Remove External Transfer Accounts ................................................................................. 44 Loan Payments............................................................................................................45 Send Money with Zelle ® Setup...................................................................................47 Initial Setup........................................................................................................................... 47 Adding a Recipient ......................................................................................................48 Editing a Recipient ......................................................................................................50 Send Money with Zelle ®................................................................................................................................................................ 51 Request Money with Zelle ® ...................................................................................................................................................... 52 Split Payment with Zelle ®............................................................................................................................................................ 53 Zelle ® Activity ...............................................................................................................55 Zelle ® Settings ..............................................................................................................56 Online Activity Log Overview.....................................................................................57 Using Filters .......................................................................................................................... 58 Creating or Deleting Custom Views Using Favorites ....................................................... 58 Editing Transactions ............................................................................................................ 59 Canceling Transactions ....................................................................................................... 60 Bill Pay Payments Overview....................................................................................................61 Hiding or Unhiding Payees from Payment Screen .......................................................... 62 Creating a Payee Overview ........................................................................................63 Creating a Payee: Company.......................................................................................64 Creating a Payee: Person ...........................................................................................66 Part 1 of 2: Choosing Payee and Payment Method ......................................................... 66 Part 2 of 2: Adding Payee Information.............................................................................. 67 Editing a Payee ............................................................................................................68 Deleting a Payee .........................................................................................................69 Scheduling Payments .................................................................................................70 Rush Delivery...............................................................................................................71 Recurring Payments ...................................................................................................73 Editing Payments ........................................................................................................74 Skipping Payments .....................................................................................................75 Canceling Payments ...................................................................................................76 Setting Up eBills ..........................................................................................................77

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Adding an Account......................................................................................................78 Editing an Account ......................................................................................................79 Deleting an Account ...................................................................................................80 Editing Alerts ...............................................................................................................81 Categories ....................................................................................................................82 Editing a Category.......................................................................................................83 Deleting a Category ....................................................................................................84 Personal Financial Management Initial Setup..................................................................................................................85 Linking an Account............................................................................................................... 85 Categorizing Transactions .................................................................................................. 86 Splitting a Transaction......................................................................................................... 87 Online Banking Home Page.......................................................................................88 Net Worth Overview ............................................................................................................ 89 Budgets Overview................................................................................................................ 90 Editing or Deleting a Budget............................................................................................... 91 Managing Budgets............................................................................................................... 92 Spending Overview.............................................................................................................. 93 Spending: Recategorizing a Transaction........................................................................... 94 Trends Overview .................................................................................................................. 96 Debts Overview.................................................................................................................... 97 Services Stop Payment Request...............................................................................................98 Single Check ......................................................................................................................... 98 Multiple Checks ................................................................................................................... 99 Reordering Checks................................................................................................... 100 Enrolling in Statements ................................................................................................... 101 Update your Statement Profile .............................................................................. 103 CardSwap.................................................................................................................. 104 Getting Started.................................................................................................................. 104 Overview ............................................................................................................................ 106 Mobile RDC Enrollment........................................................................................... 107 Mobile Deposits ...................................................................................................... 108 Settings Account Preferences ............................................................................................... 109 Text Enrollment........................................................................................................ 110 Address Change ....................................................................................................... 112 Accessibility............................................................................................................... 113 Locations Branches and ATMs................................................................................................. 114

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Getting Started New User Enrollment

If you’re new to Online Banking with Elements, you need to complete the enrollment process the first time that you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. Type nmbv.551827.com into your browser and click the “First-time user? Enroll” link. 2. Fill out the First Time User Enrollment Form with the required information and click the Continue button. Note : The details that you provide are verified by comparing them to your contact information in our system. If the information does not match, call us (317) 276-2105 or toll-free (800) 621-2105 to update your profile. 3. A confirmation message appears. You are given a temporary password to use during your first-time login. Memorize the password and click the “Click Here” link to be redirected to the Elements Home page. 4. Enter your new login ID and click the Log In button. 5. Choose the contact method that allows Elements to reach you immediately

with a Secure Access Code (SAC). This numbered code is only valid for a short time, and if it expires, you need to request a new one. If you close your browser before receiving the SAC, you can log in again and select the

I already have a Secure Access Code button. 6. Enter the SAC and click the Submit button.

7. Choose whether to register your device for future logins. If you click the Register Device button, you will never need to request SACs from that device.

Note : For additional security, we strongly suggest that you do not register your devices.

Getting Started: New User Enrollment

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8. Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions. 9. A view-only profile page appears. Review the information and click the Submit button. 10. Change your password by using your old temporary password. 11. Congratulations! You have successfully logged in to Online Banking! If you have any questions or concerns, call us (317) 276-2105 or toll-free (800) 621-2105.

Getting Started: New User Enrollment

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Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your login ID and password. If you are logging in using a device that you have not previously registered, you need to request a Secure Access Code (SAC).

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1. Enter your login ID and password. 2. Click the Submit button.

Note : If you enter an incorrect password too many times, your account will be temporarily locked. Call us (317) 276-2105 or toll-free (800) 621-2105 for assistance.

Logging Off For your security, you should always log off when you finish your online banking

session. We may also log you off due to inactivity. 1. Click the Log Off tab in the navigation menu. 2. Close your internet browser.

Getting Started: Logging In

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Getting Started Resetting A Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the Elements Home page—no need to call us!

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1. Click the “Forgot Password?” link. 2. Enter your login ID and click the Submit button.

Note : You may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device.

Getting Started: Resetting A Forgotten Password

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3. Choose the contact method that allows Elements to reach you immediately with a 6-digit Secure Access Code (SAC). 4. Enter the SAC and click the Submit button. 5. Create a new password based on our password requirements and click the Submit button when you are finished. Getting Started: Resetting A Forgotten Password

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Home Page Home Page Overview

After logging in, you are taken directly to the Home page. This page is divided into three convenient sections to help you navigate to every feature within Online Banking. Here you can view the balances in both your linked and Elements accounts, see your account summaries and more!

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D E

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Note : The letters correspond to several available features on the Home page.

Home Page: Home Page Overview

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A. The navigation bar appears in every view on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate drop-down tab. B. Your Elements accounts and linked external accounts are displayed in an account card with its balance. C. If you click an account name, you are taken to the Account Details page. You can also click the icon on the right side of an account card and select View Activity for more details. D. The icon allows you to print a summary of current available funds in your accounts. E. You can expand or collapse account details by clicking the icon. F. If you click and hold an account card, you can drag and drop it to a new location to change the order in which your accounts appear. G. The Quick Actions links in the top right corner let you quickly access different Online Banking features.

Home Page: Home Page Overview

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Account Summary Overview If you ever need to quickly assess how much money is in all of your accounts, you can scroll down to the Account Summary graphic on the Home page. This interactive chart represents your total assets, represented by specific colors and percentages.

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A. The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages. B. Each colored piece represents one of your Elements or linked accounts and displays its percentage of total funds as well as the balance. C. Clicking "Next" or "Previous" lets you view different accounts and details. D. You can click the "View Transactions" link for more information.

Home Page: Home Page Overview

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Home Page Account Details Overview

Selecting a Elements account on the Home page takes you to the Account Details page, where you can view every transaction pertaining to that account. From here, you can view details such as type of transaction, check images and account balances so you stay organized and on top of your finances.

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Home Page: Account Details Overview

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are sorted. A. On the Home page, you can click on an account name to view the Account Details screen. B. The available balance of that account is displayed in the top right corner. C. The icon opens the search bar to find transactions with that account. D. Transactions can be sorted by time, type, amount or check number. Click the icon for more options. E. Export your transactions into a different format by clicking the icon. F. The icon lets you send a secure message about that account or print a list of transactions. G. The icon indicates how the Date, Description and Amount columns H. You can view more details about a transaction by clicking on it. I. The icon lets you send a secure message about that transaction or you can print details about it.

Home Page: Account Details Overview

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Home Page Account Nickname

Change an account’s nickname directly from the home page.

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1. Click the

icon right side of an account card and select Nickname Account.

2. Enter a new account nickname. 3. Click the Save button when you are finished.

Home Page: Account Nickname

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Home Page Account Grouping

You can organize your internal and linked accounts into groups, so the Home page appears in a way that makes sense to you. These groups can always be changed or deleted to meet your needs.

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1. Create a new group by clicking and holding an account tile, then dragging and dropping it to the pop-up icon. 2. Create a group nickname and click the check mark when you are finished.

Home Page: Account Grouping

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Editing a Group Name The names of existing groups can be edited in just two easy steps.

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1. Click the icon to edit your group nickname. 2. Enter a new name and click the check mark when you are finished. Deleting a Group After a group is made, you can reorganize the Home page by deleting a group without removing those accounts from the Home page.

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1. Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it. 2. Click the Yes, delete button to delete the group.

Home Page: Account Grouping

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Security Protecting Your Information

Here at Elements, we do all that we can to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Online Banking can be a secure and efficient method for all your banking needs. General Guidelines • Make sure your operating system and antivirus software are up-to-date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off of Online Banking when you’re finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of upper and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately (317) 276-2105 or toll-free (800) 621-2105.

Security: Protecting Your Information

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Security Login Preferences

We take security very seriously at Elements. Because of this, we’ve added various tools to help you better protect your account information. You can add and manage these features in Login Preferences to strengthen your Online Banking experience. Change Password When you need to, you can change your password within Online Banking. We recommend that you change your password regularly and follow our guidelines for creating a strong password.

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In the Alerts & Security tab, click Update Password . 1. Enter your old password. 2. Create a new password. 3. Reenter your new password. 4. Click the Change Password button when you are finished making changes.

Security: Login Preferences

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Change Login ID You can also change your login ID at any time. To ensure that you create an effective login ID, create an ID that you will remember and that follows our required guidelines.

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In the Alerts & Security tab, click Update Login ID . 1. Enter your new login ID. 2. Click the Save new Login ID button when you are finished making changes.

Security: Login Preferences

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Secure Delivery Elements verifies your identity using Secure Access Codes (SACs), which are numbered codes that are sent to you by email, phone or text. Within Security Preferences, you can make changes to your delivery preferences or add new ways we can contact you.

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In the Alerts & Security tab, click Secure Access Codes . 1. Make changes to a secure delivery method by clicking the

icon to make

changes or the

icon to delete a secure delivery method.

2. Enter your new contact information and click the

icon when you are

finished to save your changes. 3. Add a new delivery contact by clicking either the New Email Address , New Voice Number or New Text Number button at the bottom of the page.

Security: Login Preferences

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Security Mobile Security Preferences

Within Elements’s Online Banking app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go! Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that have fingerprint recognition technology that allows you to unlock your iOS or Android device, to make payments or authenticate transactions using just your fingerprint. With this feature enabled, you can now easily and securely sign in to your Online Banking using Touch ID or Fingerprint Login on our mobile app! iOS

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Sign in to Elements’s Online Banking app and tap the Menu button. In the Alerts & Security tab, tap Touch ID/ Face ID . 1. Toggle the Touch ID or Fingerprint Login switch from “Off” to “On.” 2. Review the information about using fingerprint authentication and tap the Continue button. 3. Enter your login ID and password and tap the Authorize button.

Note : You must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app.

Security: Mobile Security Preferences

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4b

Touch ID for “Elements”

4a

4. Scan your fingerprint. a. iOS Device : Place your finger on the Home button to enable Touch ID. b. Android Device : Place your finger on the fingerprint scanner to enable Fingerprint Login. Location of scanner varies from device to device.

Security: Mobile Security Preferences

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Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go!

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Sign in to Elements’s Online Banking app and tap the Menu button. In the Alerts & Security tab, tap Login Passcode . 1. Toggle the Passcode switch from “Off” to “On.” 2. Review the information about using a passcode and tap the Create Passcode button. 3. Create your 4-digit passcode using the keypad. 4. Confirm your passcode using the keypad. 5. Enter your login ID and password and tap the Authorize button.

Security: Mobile Security Preferences

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Disabling Passcode Authentication, Touch ID or Fingerprint Login You can disable Passcode Authentication, Touch ID or Fingerprint Login if you no longer prefer to utilize them. When all features are disabled, you can sign in to your Online Banking using your login ID and password.

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Sign in to Elements’s Online Banking app and tap the Menu button. In the Alerts & Security tab, tap Login Passcode . 1. Toggle the Passcode , Touch ID or Fingerprint Login switch from “On” to “Off.” 2. Tap the Yes button to disable the feature.

Security: Mobile Security Preferences

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Enabling Face ID Face ID is a feature which utilizes facial recognition technology allowing you to unlock your iOS device using your face instead of a login ID and password.

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Open Elements’s Mobile app and tap the Face ID button. 1. Review the information about using Face ID and tap the Enroll Now button. 2. Enter your login ID and password and tap the Authorize button. 3. Face ID is now set up. During your next login, tap the Face ID button to log in using Face ID.

Note : You must have Face ID enabled on your mobile device before enabling it through our Online Banking Mobile app.

Security: Mobile Security Preferences

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Security Alerts Overview

Having peace of mind is critical when it comes to your online banking experience. When you create an alert through Online Banking, you specify the conditions that trigger that alert, so you stay on top of what’s important to you.

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In the Alerts & Security tab, click Alert Settings . A. The "New Alert" drop-down lets you create an account, history or transaction or reminder alert. B. The icon allows you to collapse or expand alert details for each category. C. Toggling the switch turns an alert on or off without deleting it. D. The "Edit" link lets you make changes to existing alerts.

Note : All alerts are automatically sent through secure messages, but you can also choose to receive them by email, phone or text message.

Security: Alerts Overview

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Account Alerts There should be no surprises when it comes to your finances. Account Alerts can notify you when the balances in your accounts go above or below a number you specify.

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In the Alerts & Security tab, click Alert Settings . 1. Use the “New Alert” drop-down and select “Account Alert.” 2. Use the drop-down to select an account. 3. Choose an account balance type. 4. Select a comparison. 5. Enter an amount. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Security: Alerts Overview

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History Alerts If you’re ever concerned about amount limits or pending checks, you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose.

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In the Alerts & Security tab, click Alert Settings . 1. Click the “New Alert” drop-down and select “History Alert.” 2. Select a transaction type. 3. Select a comparison. These options vary depending on the chosen transaction type. 4. Enter an amount. 5. Use the drop-down to select an account. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Security: Alerts Overview

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Online Transaction Alerts Different types of transactions can occur in your accounts. By creating Online Transaction Alerts, you can be notified when various transfers, payments or debits post to your account.

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In the Alerts & Security tab, click Alert Settings . 1. Click the “New Alert” drop-down and select “Online Transaction Alert.” 2. Use the drop-down to select a transaction type. 3. Use the drop-down to select an account. 4. Use the drop-down to select a status. 5. Select a delivery method and enter the corresponding information. 6. Click the Create Alert button when you are finished.

Security: Alerts Overview

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Reminder Just like marking a calendar, you can set up alerts to remind you of specific dates or events. That way, you never forget a birthday or anniversary again!

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In the Alerts & Security tab, click Alert Settings . 1. Use the “New Alert” drop-down and select “Reminder.”

2. Use the drop-down to select an event. 3. Enter the date for the alert to occur. 4. Check the box next to “Recurs Every Year” to have your alert repeat annually. 5. (Optional) Enter a message. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Security: Alerts Overview

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Security Security Alerts Overview

We want you to feel confident while using Online Banking. To help you feel safe and in control, Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur.

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In the Alerts & Security tab, click Alert Settings , then Security Alerts . A. Toggling the switch turns an alert on or off without deleting it. Edit Delivery Preferences When a trigger occurs, Security Alerts are always sent to you through secure messages. You can add additional delivery methods to notify you about your accounts wherever you are. In the Alerts & Security tab, click Alert Settings , then Security Alerts . 1. Click the “Edit Delivery Preferences” link at the top. These changes will apply to all Security Alerts.

2. Enter the information for your preferred delivery method. 3. Click the Save button when you are finished making changes. Security: Security Alerts Overview

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Security Enabling and Disabling Push Notifications Have alerts sent directly to your mobile device as push notifications. Push notifications are completely free to receive and will show up as a banner at the top of your lock screen or in your “notification tray.”

Note : Push Notifications are available for security, reminder, account and transaction alerts.

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A. When you first sign into Elements’s online banking app you have the option to enable push notifications for alerts by tapping the Allow button. B. To enable or disable push notifications at a later time, in the Alerts tab, tap Push Notifications . 1. Use the Enable Notifications switch to enable or disable push notifications. 2. Tap the respective Alert Settings tab to edit alerts and their delivery preferences. See Alerts Overview section starting on page 29 for more information. Security: Enabling and Disabling Push Notifications

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Security Secure Message Overview

If you have questions about your accounts or need to speak with someone at Elements, Secure Messages allow you to communicate directly with a Elements members service representative. From the Secure Messages page, you can find replies, old messages or create new conversations.

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In the Connect With Us tab, click Messages . A. Click on a message to open it. Messages are displayed on the left side of the screen. B. Messages automatically delete after a certain time. Check the box next to “This message should never expire” to prevent that message from being erased. C. Delete an opened message by clicking the icon or reply by clicking the icon. D. Deleting messages 1. Click the “Delete Multiple” link. 2. Check the box next to the corresponding messages or check the box next to “Select All.” 3. Click the “Delete” link and then the Delete button to permanently delete the selected messages.

Security: Secure Message Overview

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Security Sending a Secure Message

Starting a new conversation through Online Banking is just as effortless as sending an email. Unlike an email, you can safely include confidential personal information relating to your accounts or attach files within a new message.

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In the Connect With Us tab, click Messages . 1. Create a new message by clicking the

icon in the top right corner.

2. Select the recipient from the drop-down. 3. Enter the subject. 4. Enter your message. 5. Click the Send message button when you are finished.

Security: Sending a Secure Message

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Transaction Types Transfers & Payments

The heart of Online Banking is the ability to transfer funds on the go. Whether you are transferring money between your accounts or sending money to someone outside of Elements, there are various features that help you transfer funds in different ways. • Transfer Funds : Move money between your personal Elements accounts.

• External Transfer after adding and verifying external accounts : Move money after linking your external accounts.

Transaction Types: Transfers & Payments

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• Make Loan Payment : Move money to custom pay your Elements loans.

• Bill Pay :

Move money to pay your bills.

Transaction Types: Transfers & Payments

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Transactions Transfer Funds

When you need to make a one-time or recurring transfer between your personal Elements accounts, you can use the Transfer Funds feature. These transactions go through automatically, so your money is always where you need it to be.

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In the Transfers & Payments tab, click Transfer Money . 1. Select the accounts to transfer funds between using the “To” and “From” drop-downs. 2. Enter the amount to transfer. 3. (One-Time Transfer Only) Enter the date to process the transaction.

Transactions: Transfer Funds

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4. If you would like to set up a recurring transfer, follow the steps below: a. Use the drop-down to select a frequency. b. Enter a start date for this transaction using the calendar features. c. Decide if the transfer will repeat forever or have an end date. 5. Enter a memo. 6. Click the Transfer Funds button when you are finished.

Note : You can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Online Activity Log.

Transactions: Transfer Funds

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Transactions Adding A Personal External Account

Your private accounts at other financial institutions can be linked to Online Banking with Elements so you can transfer money between two banks without ever leaving home! You can link your account instantly through our Plaid integration.

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In the Transfers & Payments tab, click Manage External Accounts . 1. Click the Link via Instant Verification button. 2. Enter the necessary information to add your external account. 3. Accounts verified with credentials through Plaid will now appear under the external accounts section. Click the Continue button.

Transactions: Adding A Personal External Account

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Transactions Manage External Transfer Accounts

Once added you can edit an account to give it a nickname or remove it if it is no longer needed. Nickname External Transfer Accounts

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In the Transfers & Payments tab, click Manage External Accounts . 1. Click the “Edit” link on the account card you would like to nickname. 2. Enter a nickname and click the Edit Account button.

Transactions: Manage External Transfer Accounts

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Remove External Transfer Accounts

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In the Transfers & Payments tab, click Manage External Accounts . 1. Click the “Remove” link on the account card you would like to remove. 2. Click the Continue button. 3. Click the Close button.

Transactions: Manage External Transfer Accounts

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Transactions Loan Payments

When you need to make a regular or custom payment to your Elements loan such as Principle or Paydown, you can use the Loan Payment Feature.

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In the Transfers & Payments tab, click Pay a Loan . 1. Using the “From” and “To” drop-downs, select the account the funds will be taken from and the account you wish to post the payment. 2. Select your payment type using the “Payment Type” drop-down. 3. Enter the amount of the payment. 4. (One-Time Payment Only) Enter the date to process the transaction.

Transactions: Loan Payments

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5. If you would like to set up a recurring payment, follow the steps below. a. Check the box next to “Make this a recurring transaction” to repeat the transfer. b. Use the “How often should this transfer repeat?” drop-down to specify how often the transfer should occur. c. Enter a start and end date for this transaction using the calendar features. d. If your transaction doesn’t have an end date, check the box next to “Repeat Forever.” 6. (Optional) Enter a memo. 7. Click the Transfer Funds button when you are finished.

Transactions: Loan Payments

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Transactions Send Money with Zelle ® Setup

Send money to family and friends anywhere! Person-to-person payments are a digital cash alternative that make sending and receiving money as easy as emailing and texting. Whether it’s paying allowance, splitting the check or sending a birthday gift, person-to-person payments allow you to quickly transfer money from your existing debit account to almost anyone. Initial Setup

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In the Transfers & Payments tab, click Send Money with Zelle ® . 1. Choose or add a new email address or mobile number to have a 6-digit verification code sent to. 2. Enter the 6-digit verification code. 3. Choose your primary account.

Transactions: Send Money with Zelle® Setup

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Transactions Adding a Recipient

Quickly add recipients to you can easily send or request money.

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In the Transfers & Payments tab, click Send Money with Zelle ® . 1. Click the icon. 2. Enter the recipient’s mobile number or email address. 3. Enter the recipient’s name. 4. Click the Add and Continue button. 5. Click the Next button.

Transactions: Adding a Recipient

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6. Enter an amount to send. 7. Use the drop-down to select an account to send the money from. 8. Click the Review button. 9. (Optional) Enter a reason for the payment. 10. Click the Send button.

Note : If your contact isn’t registered with Zelle ® , we’ll send them a notice about your payment and ask them to take a moment to register. Your contact will receive your money within 3 business days after registering with Zelle ® (or on the delivery date, whichever is later).

Transactions: Adding a Recipient

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Transactions Editing a Recipient

1

2

In the Transfers & Payments tab, click Send Money with Zelle ® . 1. Click the icon next to the recipient you would like to edit. 2. Make the necessary changes and click the Change button.

Transactions: Editing a Recipient

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Transactions Send Money with Zelle ®

Send money to any Elements members or non-members using only their name and contact information.

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2

3

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In the Transfers & Payments tab, click Send Money with Zelle ® . 1. Select a recipient. 2. Enter an amount to send. 3. Use the drop-down to select an account to send the money from. 4. Click the Review button. 5. (Optional) Enter a reason for the payment. 6. Click the Send button.

Transactions: Send Money with Zelle®

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Transactions Request Money with Zelle ®

Request money from any Elements members or non-members using only their name and contact information.

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In the Transfers & Payments tab, click Send Money with Zelle ® . 1. Click the Request tab. 2. Select a recipient. 3. Enter an amount to request. 4. Use the drop-down to select an account to send funds to. 5. Click the Review button. 6. (Optional) Enter a reason for the request. 7. Click the Request button.

Transactions: Request Money with Zelle®

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Transactions Split Payment with Zelle ®

Split a payment between multiple people.

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2

3

In the Transfers & Payments tab, click Send Money with Zelle ® . 1. Click the Split tab. 2. Select the recipients. 3. Click the Enter Amount button.

Transactions: Split Payment with Zelle®

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4 5

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4. Enter an amount. 5. Use the drop-down to select an account. 6. Click the Review button. 7. (Optional) Make adjustments to the split. 8. (Optional) Enter a reason. 9. Click the Split button. 10. Click the All Done button.

Transactions: Split Payment with Zelle®

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Transactions Zelle ® Activity

Easily view all of your Zelle ® transfer history.

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4

2

1

In the Transfers & Payments tab, click Send Money with Zelle ® . 1. Click the Activity tab. 2. All of your pending and completed transaction are displayed. 3. Click the appropriate tab to view “All,” “Payments” or “Requests.” 4. Select a transaction to view more details.

Transactions: Zelle® Activity

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Transactions Zelle ® Settings

Update your email address or phone number, change your primary account or edit a contact’s information.

A

B

C

D

E

In the Transfers & Payments tab, click Send Money with Zelle ® , then click the Settings tab. A. Click the icons to add a new mobile number or email. B. Click the icon to delete mobile number or email. C. Click the “Enroll to use” link to enroll a mobile number or email. D. Use the drop-down to change your primary account. E. Use the drop-down to change your contact information for notifications. Transactions: Zelle® Settings

57

Transactions Online Activity Log Overview

All transactions initiated through Online Banking or through our app appear in the Online Activity Log. All single and recurring transactions, as well as deposited checks, show in the Online Activity Log along with stop payments and check reorders.

A

C

B

D

F

E

In the Transfers & Payments tab, click Online Activity . A. Click an appropriate tab at the top to view Single Transactions , Recurring Transactions or Deposited Checks . B. Use the search bar to find transactions within that account.

C. Print the Online Activity Log page by clicking the transactions into a different format by clicking the

icon. Export your

icon.

D. Click the

icon next to the Created, Status, Transaction Type, Account or

Amount columns to sort transactions.

E. Click on a transaction to view more details. F. Click the icon to perform additional functions.

Transactions: Online Activity Log Overview

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Using Filters The Online Activity Log can be customized using various filters. You can also choose up to six columns to display, so you can swiftly find what you’re looking for each time.

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In the Transfers & Payments tab, click Online Activity . 1. Click the icon to create a custom view of your transactions. 2. Create a custom list of transactions using these filters.

3. Filter the type of transaction you are looking for using the “Transaction Type” drop-down. Column names with check boxes appear. Select up to six boxes. 4. Click the Apply button when you are finished. Creating or Deleting Custom Views Using Favorites After applying specific filters, you can save that view of the Online Activity Log to Favorites, making it easier and faster to search, print or export transactions. You can always delete Favorites if they are no longer useful.

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In the Transfers & Payments tab, click Online Activity . 1. Click the icon. 2. Click the “+ Save as New” link to create a new favorite template. 3. Enter a name for your new custom view. 4. Click the Save button when you are finished. 5. Click the X icon to remove a custom view from your Favorites.

Transactions: Online Activity Log Overview