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Thomaston Savings Bank Business Online Banking Guide Member FDIC Welcome A quick and Easy Guide to Business Online Banking Whether you’re at home, at work or on the road, we are here for you 24 hours a day, 7 days a week with our Online Banking & Bill Payment Services. This guide is designed to help you answer your questions about Thomaston Savings Bank’s Online Banking. Experience the convenience of having 24‐hour access to real‐time account information from your computer and mobile device. Online Banking is convenient, easy to use, and more secure than ever. In addition to accessing your account information and transferring funds online, you’ll also be able to export account information to financial management software, such as Quicken® or QuickBooks® direct connect, and pay your bills online. We appreciate your business and are committed to providing you with the best possible banking experience. Business Online Banking Guide | 1 Security By following our tips, Business Online Banking can be a safe and efficient method for handling your banking needs. User Identification and Password Security starts at your computer. Never share your Login ID or password with anyone. Make sure your password is hard to guess by combining random numbers and letters instead of using your birth date, pet’s name, or other obvious clues. Secure Sockets Layer Encryption (SSL) This technology scrambles data as it travels between your computer and our system, making it difficult for anyone to access your account information. SSL is a trusted method of securing internet transactions. Browser Registration In addition to your personal password security, your financial institution has added additional security measures with Brower Registration. Browser Registration strengthens the safeguards in place at login by adding additional steps to verify your identity. Although these security enhancements are benefiting you and your security, you probably will not notice them during your regular day‐to‐day experience. Online Banking Safety Tips Ensure your web browser, operating system, anti‐virus software and other applications are current and support 128‐bit encryption. Memorize your passwords. Exit your Online Banking session when finished. Do not leave your computer unattended when logged in to Online Banking. Thomaston Savings Bank will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an email inquiry allegedly from Thomaston Savings Bank, please report the incident to a customer service representative as quickly as possible. Business Online Banking Guide | 2 To mitigate the risk of online fraud and identity theft, your first and best protection is awareness. Please visit the Security Center: https://www.thomastonsavingsbank.com/education‐resources of our website for additional information on how to make yourself more secure online. Phishing Phishing is an online scam tactic that is used to lure users into unknowingly provide personal data, such as credit card information or login IDs and passwords. Using spoof (look‐a‐like) emails and websites, the tactic attempts to gain the trust of unsuspecting targets and convince them that vital information is being requested by a vendor they may already have a relationship with, such as their bank. Identity Theft It is important that our customers are aware of the dangers of identity theft. Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your personal accounts, open new accounts, apply for credit in your name, purchase merchandise, and commit other fraud or related crimes using your identity. Fraud Prevention Tips Do not open email attachments or click on the link from unsolicited sources. Avoid completing email forms or messages that ask for personal or financial information. Do not trust an email asking you to use a link for verification of login or account details. Monitor your account transactions for unauthorized use. Shred old financial information, invoices, charge receipts, checks, unwanted pre‐ approved credit offers, and expired charge cards before disposing of them. Contact the sender by phone if you are suspicious of an email attachment. Business Online Banking Guide | 3 Getting Started & Logging In Login and User ID – There is a new login area on the Home Page of the Thomaston Savings Bank website for Cash Management customers. Click the Business tab in the Account Login box. Your User ID will remain the same. Enter your User ID and click the LOGIN button. Password – For initial login, your password will be the last 4 digits of your business tax ID number + the 5 digit Zip Code of your business address – a total of 9 numbers with no dashes. For your security, you will then be required to select a new password after the initial login. You will be directed to a page requesting that you verify or update your email address. If the contact information presented is not correct, please call us at 860.283.1874 or toll‐free at 855.344.1874. Business Online Banking Guide | 4 Theme Switcher We offer two background themes for you to select from in order to customize your online banking experience. The default theme is Chameleon with our Thomaston Savings Bank background skin graphics. There are several Chameleon background skin colors to choose from. To change your Chameleon skin color simply select the mountain icon located in the top right hand corner of your screen. You will be presented with several background color options to choose from: In addition you may change from the Chameleon theme to our Majestic theme if desired. To change between our Chameleon and Majestic themes simply select the arrow icon on the left hand menu bar. When hovering over the icon the words Theme Switcher will appear. Select the Theme Switcher icon and select the desired theme from the Desktop Theme dropdown options. Select Update. Business Online Banking Guide | 5 Navigation You may navigate to the various online banking pages by either selecting the tab names at the top of the pages: Or by selecting the desired icon on the left hand of your screen. Hover the cursor over each icon to display the page name: Accounts Summary, Transfers, Bill Pay, ACH, Wires, Remote Deposit, Theme Switcher and Admin. Accounts Summary The Accounts Summary page will provide you with an overview of your linked accounts and current and available balances. Click on the account nickname and you will be taken to Account Activity where you can view detailed account history including pending transactions, account history and account details. Business Online Banking Guide | 6 Customize Your Page It is easy to customize any page you are on. You can choose which modules you would like to display or not display, and the order in which you would like them. 1 2 3 1. Select the gear icon in the upper right hand corner of the screen . 2. A Customize Your Page window will appear. Select the boxes of the modules you would like to appear on your page. Click Save. 3. You can easily move sections around by placing the cursor over the dotted triangle in the top right hand corner of that module; click on the triangle and while holding the mouse button down, move the section to where you would like it. Business Online Banking Guide | 7 Account Activity Account Activity shows your Online Banking transaction history. 1 2 3 4 1. Click on the Account History dropdown to switch between accounts. 2. Perform advanced searches by date range, type of transaction, description, check number and amount. 3. View Pending ACH and debit card(s) transactions. 4. To inquire about a particular transaction, click the question mark next to the transaction and the information about that transaction will automatically populate. 5. Type your message in the message field and click on Send. 5 5 Business Online Banking Guide | 8 eStatements Our eStatements service makes managing your account statements easier than ever. Begin by choosing eStatements from the menu. Select View eDocuments to view eStatments for the account. If you are new to eStatements you will be required to register the first time. Click the account you would like to enroll in. You will be prompted to review your contact information and accept the Terms and Conditions. You must perform these steps for each account you want to enroll. Once enrolled you can return to this page to view your eStatements. Transfer Funds The Manage Payments & Transfers screens allows you to set up an internal transfers and loan payments. 1 2 3 4 1. Select the accounts you wish to transfer/pay From and To using the drop‐down menus. 2. Enter the dollar amount to be transferred/paid. Business Online Banking Guide | 9 3. Schedule your transfer to occur immediately, future‐dated (one‐time) or recurring. Select they type of payment (if applicable). Select the date and frequency for any recurring transfers. 4. Click Submit. The Payment & Transfer Activity Screen shows your online banking transfer activity. View the status, type, amount, account and date of your online activity. Depending on the type of account and access, you can review, edit and delete unprocessed transactions. Bill Payment/Pay My Bills The Bill Payment feature allows you to pay your receive and pay bills online, schedule future payments and view records of past payments. You must first be enrolled in Online Bill Payment. To enroll, click on Pay My Bills and choose which accounts you wish to enroll and follow the onscreen instructions. If you are already enrolled, simply select Pay My Bills and you will be brought to our online bill payment site. Business Online Banking Guide | 10 Card Manager The Card Manager feature allows you to manage your Thomaston Saving Bank debit and/or ATM card(s) anytime.