a quick and easy guide to online banking and

A QUICK AND EASY GUIDE TO
ONLINE BANKING
AND BILL PAY
By Paul A. Murphy, Author of Banking Online For Dummies®
A QUICK AND EASY GUIDE TO
ONLINE BANKING
AND BILL PAY
Published by Murphy & Company, Inc.
459 Sovereign Court
Ballwin, MO 63011
www.mcompany.com
© 2006 Murphy & Company, Inc.
“Dummies” and “For Dummies” are registered trademarks of Wiley Publishing, Inc. Microsoft, Windows, Excel and
Internet Explorer are registered trademarks of Microsoft Corporation. Netscape Navigator is a registered trademark of
Netscape Communications Corporation in the United States and in other countries. Quicken and QuickBooks are
registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computers, Inc.
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 Citizens Bank 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.
Table of Contents
Welcome To Online Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
What Can Online Banking Do for Me? . . . . . . . . . . . . . . . . . . . . . . . .3
Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Online Banking
Getting Started and Logging In . . . . . . . . . . . . . . . . . . . . . . . . . .6
Setting Up Your Multifactor Authentication . . . . . . . . . . . . . . . . .7
Account Access . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8
Account History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
Account Transfers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10
Export to Quicken®, QuickBooks® or Microsoft® Money . . . . . .11
Setting Up Notifications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
Stop Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13
Online Bill Pay
Online Bill Pay Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14
Add a Biller . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15
Schedule Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18
Make Automatic Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . .19
E-bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20
Payment History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21
User Options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22
Contacting Citizens Bank . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23
www.cbnm.com
1
Welcome to Online Banking
Whether you’re at home, at work, or on the road, Citizens Bank is
here for you 24 hours a day, seven days a week. We offer several
services that let you decide when and how you want to interact with
us–via telephone, ATM or online.
This guide is designed to help answer your questions about how
Online Banking and Bill Pay work and how they can help manage
your finances. You’ll find that Online Banking and Bill Pay are flexible
financial management tools, with the ability to do more than just give
you information about your account balances. Our Online Banking
system is in “real time,” so when you access your accounts you know
that your balances are accurate and up-to-date.
Not only can you access your account information and transfer funds,
you’ll also be able to export account information to Quicken®,
QuickBooks® or Microsoft® Money and create customized reports to
analyze your spending habits. After becoming an Online Banking and
Bill Pay user, you’ll find that you are able to reduce the amount of
time you spend managing your finances.
Welcome, and we hope you enjoy this quick and convenient way to
bank online.
2
Citizens Bank
What Can Online
Banking Do for Me?
With Online Banking and Bill Pay, you have access to your account
information when ever you need—it’s the branch that’s always open.
Now you can do everything you need to from home, work or
anywhere you have Internet access. Online Banking and Bill Pay
provide a private, secure and easy way to manage your finances.
With Online Banking You Can:
• View updated balances and transactions for
all of your accounts, including account history.
• Transfer funds between accounts.
• Download your account information.
With Online Bill Pay You Can:
• Pay bills quickly and conveniently.
• Schedule payments in advance.
• Set up recurring payments.
• Research bill payment history.
• Eliminate buying stamps and envelopes.
www.cbnm.com
3
Security
Protecting your personal data is our top priority. Citizens Bank has
installed strong and multi-layered measures to keep your funds fully
protected and your account and personal information private when
using Online Banking and Bill Pay.
Encryption Technology
Exchange of private information over the
Internet, while maintaining privacy and
security, is possible through the use of
encryption technology. This encryption
technology, Secure Sockets Layer
(SSL), scrambles information as it
passes across the Internet. To provide
the highest level of confidentiality and
security available to date, Citizens Bank
will only function with browsers that support
128-bit encryption technology. If your computer operates with
Microsoft® Windows® 95 or higher or Apple® Macintosh® system 7.0
or higher, you probably have all the software that is required.
Firewall Protection
For added security, your information is passed through a firewall.
The firewall is a computer designed specifically to keep unauthorized
users from accessing data.
Limited Access Passwords
Access to your account is protected from unauthorized users by a
password. Citizens Bank will NEVER solicit you by phone or email to
ask for your personal login details, so do not provide this information
to anyone. You can change your password at any time in the Online
Banking system by selecting the User Options menu. If at any time
you forget your password, contact Customer Service to reset it.
4
Citizens Bank
Security
Password Protection
Select your password wisely. Do not select a word or number that’s
easy to guess, such as your own name, your child’s name or a birth
date. The best passwords are those that mix both letters and
numbers. Your password is case sensitive, so be sure to remember
whether any letters you use are upper- or lower-case. For added
security against anyone attempting to randomly guess your password,
the Online Banking and Bill Pay system will disable your account if an
incorrect password is entered five times in succession. Call Customer
Service to reactivate your account.
Automatic Exit
Click the Exit button and close your browser when you are finished
with your Online Banking and Bill Pay session. For further security and
peace of mind, in the event you forget or are unable to sign off,
Citizens Bank will automatically end your Online Banking and Bill Pay
session if there is no activity on your workstation for ten minutes. To
resume a timed-out session, you will need to repeat the log in steps.
Multifactor Authentication
In addition to your personal password security, Citizens Bank provides
additional security measures with Multifactor Authentication, or MFA.
MFA strengthens the safeguards already in place by adding additional
steps to verify your identity. Although these security enhancements
are benefiting you and your security, your day to day experience will
change very little, if at all.
Part of this identification process includes recognizing the computer
from which you normally log in. This information, coupled with your
normal log in details, is recorded by the Online Banking system in
order to verify you as the true owner of the online accounts you are
attempting to access. If you attempt to log in from a computer
unknown to us, you must request a temporary passcode to be
emailed to the email account you have registered with Citizens Bank.
Retrieve the temporary passcode and enter it to access your
accounts. The temporary passcode is good for one login or until your
session times out, whichever comes first, then it will expire.
www.cbnm.com
5
Getting Started and Logging In
Logging in to Online Banking is as easy as one, two, three. Just
launch your web browser, (Microsoft® Internet Explorer or Netscape
Navigator®) and go to www.cbnm.com.
• Open your web browser
and go to www.cbnm.com.
• Enter your User ID,
then click Login.
NOTE: As a security measure, if you or someone attempting to gain access
to your account uses an incorrect User ID and/or Passcode five times in a
row, your account will be locked. If this occurs, please contact Customer
Service at (505) 599-0100 or toll-free at (800) 325-9961.
6
Citizens Bank
Setting Up Your
Multifactor Authentication
The first time you log in to Online Banking and Bill Pay, you will be
automatically launched into your Multifactor Authentication setup.
• Click Send New Passcode to
have a temporary passcode sent
to the email address you have
registered with Citizens Bank.
• Retrieve the temporary
passcode and insert it here,
then click Continue.
• Select the security you wish to add to the computer you are currently
using and click Submit. You will be required to complete this step for
each computer from which you access your accounts. You may edit
each computers’ security at anytime by selecting User Options from
the navigation menu.
www.cbnm.com
7
Account Access
This page displays a quick view for each account you have with
Citizens Bank. With Account Access, you can view your current
deposit and loan balances, view the last two months of activity and
transfer funds between accounts.
8
•
Use the navigation buttons to move
through the Online Banking and Bill
Pay system.
•
Click an account title to
display the detailed
history for that account.
•
Click Printer-Friendly Version
to print a hard copy of your
account information.
•
The balance
column shows
each account’s
available balance.
Citizens Bank
Account History
When you select an account name listed on the Account Access
page, a screen with detailed transaction information will display.
•
•
Click a check number to view that
check image in a secondary window.
Enter a date range, select the
export format from the drop
down menu and click Export to
download transaction history into
Quicken® or Microsoft® Money.
www.cbnm.com
9
Account Transfers
It’s easy to transfer money from one account to another. Manage
your ongoing budgeting needs by creating scheduled transfers,
choosing from a variety of frequency options. With the Account
Transfers feature, you can control when and how often money will
be transferred. If you have a loan with Citizens Bank, you can even
make payments to us online!
• To begin, click Transfer from the Account Access menu.
•
10
Enter the
transfer
amount.
•
Select the account
to transfer funds
FROM and TO.
•
Click here to submit the transfer.
You’ll be presented with a
confirmation page to review the
details before completing the
transfer. If the information is
correct, click the confirmation
button to process the transfer.
Citizens Bank
Export to Quicken®, QuickBooks®
or Microsoft® Money
This page allows you to export your account information into your
personal financial software file format. When you export your account
information into Microsoft® Money, Microsoft® Excel, Quicken® or
QuickBooks®, it will be downloaded onto your computer for future use.
•
•
Click Export from your
navigation menu.
Enter the date
range to download.
www.cbnm.com
•
Select the format
compatible with
your personal
financial software.
•
•
Select the account
information needed.
Click the Download
Data button to
export the data to
your hard drive.
11
Setting Up Notifications
If you need help tracking your account balances, the Notifications
tool will help you with managing your financial goals. You can have
an email sent to you every time your Citizens Bank account reaches
a specified limit. This feature can also alert you about cleared checks
and certificate maturity dates.
•
•
12
•
Select Notify from the
Account Access menu.
To activate a notification,
highlight the check box and
select the account you wish
to be notified about.
•
Use the advanced
setup menu to add
custom notifications.
Enter the notification amount
and the email address you
want the notification sent to,
then click Submit.
Citizens Bank
Stop Payments
When you need to make a stop payment request, you can
conveniently do so online. With the Stop Payment feature, you have
the option to stop payment on one or multiple checks. Standard stop
payment fees apply.
•
Select the Stop Payment button from
the Secure Forms menu to begin.
•
Enter the check
information and the
account from which
the check originated.
•
Enter any additional
comments or
instructions, then
click Submit.
NOTE: If the system finds a matching item already posted to your account,
you will not be allowed to make this request online. Click Cancel and you will
return to the Stop Payment screen.
www.cbnm.com
13
Online Bill Pay Overview
Online Bill Pay offers you convenience, cost-savings and best of all,
time savings! No more buying stamps and writing checks. Pay all
your bills online anytime, anywhere–just by clicking the Bill Payment
button from the navigation menu.
Look at All You Can Do!
• Payment history is automatically saved for your records.
• Choose the date to pay payments–up to one year in advance.
• Schedule recurring payments for regularly occurring bills.
• Edit or delete scheduled payments any time prior to processing.
The Payment Center is the first
screen that appears once you click
Bill Payment. This provides a
comprehensive view of your bills’
status, reminders you have set up,
payments that have been scheduled,
as well as your recently paid bills.
14
Citizens Bank
Add a Biller
A biller is any person or company that you pay, including your utility
company, your credit card company, even your baby sitter–anyone
whom you would normally pay by check. It just takes a few minutes
to set up a new biller and you only have to do this one time for each
new biller.
•
•
Click the Add a Bill
from the Online Bill
Pay navigation menu.
Click the radio button next
to the type of biller to pay
then click Continue.
NOTE: You may not use Online Bill Pay to pay governmental fees, taxes
or court-directed obligations such as alimony or child support. You can use
Online Bill Pay from anywhere in the world, but billers must be within the
United States.
www.cbnm.com
15
Add a Biller
•
Enter the biller’s name as it appears
on your bill and click here to search
our database of nationwide billers.
•
16
If a match is found, the biller will
appear on your screen. Enter
the Account Number twice, then
click Continue.
Citizens Bank
Add a Biller
If the biller is not found in our database, then you will need to
manually add the remittance details.
•
Enter the biller’s name, your account number, the remittance
address and phone number, then click Continue.
•
•
www.cbnm.com
Click here to set up an e-bill.
A confirmation will appear once the biller has been
successfully added. Click here to add another bill or
click Finished when you have added all your bills.
17
Schedule Payments
Online Bill Pay allows you the flexibility to schedule payments for all
your bills for whenever you need. You can even schedule a payment
to be made up to a year in advance!
•
•
•
Click the Payment Center button.
Enter the payment
amount(s). For
payments that don’t
require payment,
leave the amount
• Enter the
field blank.
payment due
date or select
a date from
the pop-up
calendar.
•
18
Choose the checking
account from which you
will be paying these bills.
Click Send Payments once
you have finished entering
all your payments.
Citizens Bank
Make Automatic Payments
Automatic payments are a great way to manage recurring bills, like a
car loan or mortgage payment. With automatic payments, you’ll never
be late on another bill!*
•
Select the biller’s name from the drop
down menu and check the radio
button next to the Add an Automatic
Payment option.
•
Select the account to
pay from, enter the
payment amount and
select the criteria.
•
Click Manage My Bills.
•
Enter the send criteria, date of the first
payment and select the frequency.
•
Enter your email address and
the email criteria, then click the
Set Up Payment button.
* Allow four days for processing of electronic payments.
www.cbnm.com
19
E-bills
When you create your billers, you can arrange to have electronic bills
sent directly to your computer each month by selecting the Sign Up
icon next to your listed biller. You can also activate this feature for an
existing biller through the Manage My Bills menu. (Not all billers will
offer this feature.)
•
After you have activated your E-bill accounts, you will
be able to View Paid/Unpaid E-bills by clicking the
icon to the left of the account name.
•
20
Click View to see the
actual E-bill details.
•
Click here to
pay this E-bill.
Citizens Bank
Payment History
Access bill payment history by selecting Bill History from your
navigation menu or, from the Online Bill Pay page by clicking on the
View Bill History link at the bottom of the Recent Payments panel.
•
Enter a date range to view
and click the Refresh button.
•
The Recent Payments panel shown in the
Online Bill Pay window will display payments
made in the last 45 days. Click Bill History
from the Online Bill Pay navigation menu to
view an expanded listing with earlier dates.
•
Click View Detail to view more information
about a particular payment, such as
processing status.
•
www.cbnm.com
Click here to download the
information to Quicken®.
21
User Options
By selecting User Options, you can modify different areas of your
Online Banking and Bill Pay environment. With this feature you can
change your password, update your email address, or even extend
the amount of time allowed before your session is automatically
terminated due to inactivity.
•
To customize your user experience, click the User
Options link from the navigation menu.
•
Select the personal option link you
wish to modify from the list and follow
the on-screen directions.
•
22
Select the Enhanced
Login Security link to
add/remove the security
setting to the computer
you are currently using.
Citizens Bank
Contacting Citizens Bank
We want to make communicating with us at Citizens Bank quick
and easy. While online, you can send us a secure email message
by selecting the Secure Email link from the Secure Forms menu.
You may also call us at (505) 599-0100 to speak with a Customer
Service Representative.
•
Enter the email address to which
Customer Service should reply and
enter the message. Once finished,
click Submit to send the message.
www.cbnm.com
23
Notes
24
Citizens Bank
Quick Steps
Logging in to Online Banking
1. Open your web browser and go to www.cbnm.com.
2. Enter your User ID and Passcode and click Login.
3. Forget your passcode? Call Customer Service at (505) 599-0100.
Transfer Funds
1. From the Account Access menu, select Transfer.
2. Enter the transfer amount.
3. Select the appropriate account to transfer funds FROM and TO.
4. Click the Transfer Funds button.
Add a Biller
1. Click the Add a Bill button from the Online Bill Pay
navigation menu.
2. Select the type of biller to add.
3. Enter the Biller name and click Search.
4. If a match is found, then enter your account number and click
Continue to complete the function.
5. If the biller is not found, then follow the on-screen directions
to enter the information manually.
Schedule a Payment
1. In the top navigation menu, click Bill Payment.
2. Click Payment Center from the Online Bill Pay menu.
3. Select the account to debit the payments.
4. Enter the payment amount and payment date for each payment,
then click Send Payments.
CITIZENS BANK
www.cbnm.com
(505) 599-0100
(800) 325-9961