Online banking user guide

Getting Started
You can sign up for the Online Banking service by contacting any of our branch service representatives. You simply need to fill out an application and return it to First Independent Bank. After your application is processed, your online banking ID and instructions for activating your account will be forwarded to you via mail or courier.

To ensure a high level of security and performance, you will need a connection to the Internet, and a Web Browser that supports 128-bit SSL encryption, such as Microsoft Explorer version 5.0 and higher or Netscape Navigator 4.7 and higher. You may contact either of these vendors for a current copy of their browser.

Internet Sign On Screen
To begin banking online go to the Home page of the First Independent Bank Web site. From this screen you can sign on and access First Independent Bank's online banking services by entering your Customer ID and Personal Identification Number (PIN). After you have entered your Customer ID and PIN, click on the LOG IN button to submit your sign-on information.

Online Banking Customer ID
A 12-digit number assigned by First Independent Bank. Once you are set up, you can create an alias for your ID number that is easier for you to remember. Your customer ID is issued randomly by the system and cannot be changed.

Online Banking PIN
After your first successful login, you will be prompted to change your PIN. Your PIN must be a 6-8 character Alpha-Numeric combination.

Note: Each customer is allowed three sign-on attempts. After the third invalid attempt, the system will lock you out. If you forgot your PIN, you will have to call us to have your PIN reset. Once you login successfully, you can change your PIN. There is now a self-reset option as well.

Account Listing Page (Main Page)
The Account Listing page is the first page you will see after you login. This page has general information about the bank at the top of the page and your account information at the bottom. As a security measure, the system will also show the last time you logged in and the total number of times you have logged in. You can reset the login counter from the Account Management page. To view your account information you can select "View Accounts" or scroll down to your account information. From the Account Listing page you can also initiate transfers, view current transactions, view range of transactions between dates, enter stop payments, access Account Management, download transactions, access Power Pay (bill payment service), or get Help. To log out of online banking select "Exit".

Viewing Account Information
From the Account Listing page you can view all of the accounts you have set up to access through Online Banking. Initial account names are based on default system account descriptions. However, you can personalize the descriptions by going to the OPTIONS page and selecting Change Pseudo Account Name.

Use the drop down menus to select how you would like to view the information for each account. All account balances are displayed in real time; therefore with each inquiry, if the balance changes you will see the most current balance information. To initiate a request for new views, click on the drop-down menu, select an option, then click the submit button to initiate your request.

Funds Transfers
This option is selected from the drop-down menu on the Account Listing page. To initiate a transfer between accounts you should:

• Select the account to transfer the funds from by using the drop-down menu on the Account Listing page.
• View Scheduled Transfers page will appear. Click on the Add New Transfers button.
• On the transfer funds page select the account to transfer funds to by clicking on the check box next to the account name. In the amount to transfer box enter the amount, including cents that you would like to transfer.
• Optional: If you wish to make the transfer a recurring scheduled transfer, select the frequency and dates from the available options at the bottom of the page. The default for transfers is "one time".
• To process your transfer, click on the Submit button at the bottom of the page. After you complete the transfer, a page displaying the information about the transfer and a confirmation number will appear. You should print this page for your records.

Options
The options page gives you the option to change your PIN or personal ID (Alias), reset your login counter, change account names, change display options, and choose a challenge question to use the self-reset feature.

• Change PIN
  With this option you can change your PIN at any time and as many times as you wish. The PIN you choose must be 6-8 characters alpha numeric. If you ever forget your PIN, contact the bank and we can reset it for you. You will be prompted to change your PIN upon your first successful sign-on.
• Change Personal ID (Alias)
  You can change your online banking Customer ID from the 12-digit bank assigned number to something easier for you to remember (alias). The Alias that you choose must be between 4 and 12 characters long with no spaces or special characters. The ID cannot begin with a number, but may include numbers in it. All ID's are individual and no two persons may have the same one. If you choose an ID that has already been selected by another customer, you will be prompted to select another ID.
• Reset Login Count
  From here you can reset the login counter for your online banking ID. It will inform you that the counter has been reset. When you go back to the View Accounts / Account Listing page you will see that your login count is 0.
• Change Pseudo Account Name
  Each account that you have access to through online banking will be initially set up with a default name created by the banking system. If you wish to change the name of any accounts to something more personal, you can do so here. Valid account names can include upper and lowercase letters, spaces, and any number between 0 and 9.
• Display Options
  You may select how many accounts that you want displayed on the account-listing page.

Download Transactions
Online Banking has an option to download account transactions into a personal finance application such as Quicken or Microsoft® Money. You can also download your account information into a text file or spreadsheet format. To download transactions do the following:

• From the Download Transactions page, select the account you would like to download transactions from.
• Select the range of transactions to download.
• Select a format for the type of software you are downloading to.
  1. Open Financial Exchange (.OFX - Microsoft® Money), (.QFX - for Intuit® Quicken)
  2. Personal Finance (.QIF - Quicken, etc.)
  3. Intuit Interchange Format (.IIF - for Intuit® QuickBooks)
  4. Spreadsheet (.CSV - Excel, Lotus, etc.)
  5. Word Processing (.TXT - Plain text document)

Stop Payments
On the Stop Payment page, you may stop payments to a single Payee. However, you can make the request to stop multiple payments. Simply enter the check date, the check number or range of numbers and the exact amount of the check(s). Next, select the Payee of the check(s) to stop. Press Submit. You will receive a confirmation that your request has been submitted through online banking. Please print, sign and return a copy of this request to Customer Service at First Independent Bank. Customers are responsible for verifying that checks have not already been paid during prior statement periods. We are unable to stop payments on checks we've already received and paid.

After the written stop payment notice is signed and received by First Independent Bank, your stop payment order is valid for six months and will not be effective after six months, unless the stop payment is renewed in writing.

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