A Quick and Easy Guide to
W E LCO M E
Whether you’re at home, at work or on the road, BancFirst is available 24 hours a day, 7 days a week with Personal Online Banking. These services allow you to decide when and how you want to interact with us – via telephone, ATM, or online.
This guide will answer your questions about how Personal Online Banking works and how easily you can manage your finances online.
Welcome, and we hope you enjoy BancFirst’s Personal Online Banking.
Security . . . 3
Personal Online Banking Overview . . . 5
S E C U R I T Y
Depend On Us For Security
At BancFirst, there is nothing more important to us than keeping your financial transactions private and secure. Personal Online Banking security is ensured by the use of multiple protection measures that work together to create a safe and secure environment. Let’s take a quick look at the security measures at each stop along the way.
Security At Your Computer
Good protection starts at home, in the office or wherever you access your accounts online. Security at your computer includes making sure no one uses or has access to the computer without your permission. Passwords should not be selected from obvious clues like the names of your children or pets.
Securing Data As It Travels Across The Internet
When you log in to Personal Online Banking, our computers verify your web browser software (Microsoft® Internet Explorer, or Firefox®) can communicate using a 128-bit encryption key.
S E C U R I T Y
Enhanced Login Security
In addition to your personal password, BancFirst provides additional security measures with Enhanced Login Security to strengthen the safeguards in place at login by adding steps to verify your identity.
Part of this identification process includes recognizing the computer you normally use to access Personal Online Banking. This information, along with your normal login details, is incorporated into your online identity profile. When you log in, you’ll enter your User ID and Password. If you are using a computer that has been enrolled in Enhanced Login Security, that’s it! No other steps are needed. If you choose to log in from a computer you don’t normally use, you will be prompted to receive and enter a one-time passcode (OTP).
Automatic Sign Off
If you have to step away from your work station for even a few minutes, be sure to always sign off from your session. For further security and peace of mind, in the event you forget or are unable to sign off, BancFirst will automatically end your Personal Online Banking session if there is no activity for an extended period of time. To resume a timed-out session, you will need to repeat the login steps. System Requirements
P E R S O N A L O N L I N E B A N K I N G O V E R V I E W
With Personal Online Banking, you can:
• View updated balances and transactions for all your accounts, including account history. • Transfer funds between your BancFirst accounts
anytime of the day or night.
• Manage your money easily by exporting your account information to Quickbooks® or Quicken®.
» Open your web browser and go to www.bancfirst.com.
» For more information about the services available from BancFirst, simply move your cursor over a menu topic to reveal its submenu options.
» To begin banking online, select Personal Online Banking from the drop-down menu, then click Go.
LO G G I N G I N
When you select Personal Online Banking from the homepage, the login screen will display.
» Enter your User ID and Password, then click Login to begin banking online.
» If you have not registered for Personal Online Banking, click the Register Now button to begin the registration process.
If we don’t recognize the computer you usually use for Personal Online Banking, you will be prompted to receive and submit a one-time passcode. NOTE: As a security measure, if you or someone attempting to gain access to your account uses an incorrect User ID and/or Password five times in a row, your account will be locked. Contact us to have your account reset.
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Once you log in to Personal Online Banking, the first screen displayed is the Home Page. Not only does it serve as an access portal to all the features of Personal Online Banking, this screen displays a quick view of your deposit and loan balances, as well as allowing you to transfer funds between accounts.
» Click one of the topics in the navigation menu to navigate through Personal Online Banking. The submenu links will change based on the topic selected.
» For security purposes, the date of your last login is noted near the top of the screen.
» Click the Account Name to display the detailed history for a specific account.
» Use the Make a Transfer feature to easily transfer funds between your accounts.
When you select an Account Name from the Account Summary screen, a detailed listing of your Account History will display.
For most check deposits, you will have the option to click the check number to view images of the front and back of your check.
» To sort transactions by date, check number, transaction type or amount, click here. » View transactions from different date ranges
by clicking here.
» Select Change Account to view another account. » With the Export feature, you can download
transaction history to your computer in a format compatible with QuickBooks® or Quicken®.
It’s easy to transfer money between your BancFirst accounts. With the Transfer Funds feature, you can control when and how often money will be transferred. To begin, click Move Money in the navigation menu, then select Make A Transfer.
» Enter the transfer amount.
» Select the account to transfer funds FROM and TO.
» Click Transfer Funds to confirm the details of the transfer on a secondary screen.
Get a complete view of your financial picture with the FinanceWorks money-management tool. This tool makes it easy for you to track spending, make a budget and export account information to formats compatible with your financial management software like Quicken® or Quickbooks®.
» Get a quick look at your linked accounts on the left. You can add accounts from the search bar here.
» See where your money is going with specific budgets and spending categories.
» Create alerts and reminders to help stay on top of your finances.
» Print a copy here.
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With Personal Online Banking, you can have an email sent to you every time your account reaches a specified limit, when a specific check clears or when a payment is coming due. The Notifications feature will help you stay up-to-date with your finances. To begin, click Additional Services in the navigation menu, then select Mobile Banking Alerts.
» With Personal Online Banking you can access Mobile Banking and Alerts, Stop Payments, eStatements and other Products and Services from the Additional Services tab in the main navigation.
» To quickly add a notification, check the box and select the account you wish to be notified about.
» Enter your notification amounts, then enter the email address that you would like your notifications sent to. » Create advanced notifications with this
Online BillPay offers you convenience, cost savings and best of all, time savings. Now you can pay anyone in the U.S., from your power company to your babysitter, without ever writing another check. The Payment Center allows you to view recent transactions, view new messages and schedule new payments. To begin, click Bill Pay in the navigation menu.
» Choose from the Bill Pay menu options to manage your bills online.
» The Payment Center shows an overview of your bills, including any e-bills that are due.
NOTE:You may not use Online BillPay to pay governmental fees such as taxes or court-directed obligations such as alimony or child support.
B I L L PAY O V E R V I E W
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Before making your first payment online, you must set up one or more designated bills. A biller can be any person or company to whom you would normally send a check. You can search our database for commonly paid billers with as little information as the biller’s name. Click Add A Company Or Person To Pay from the BillPay menu to begin.
1. Enter the biller’s name, or choose a type of biller.
2. If we don’t find your biller from our database of commonly paid billers, you can enter the name manually and click Search.
A D D A B I L L E R
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If you are paying a biller not listed in our database, you must add them manually. Click the Other Company information for your bill link to fill in the biller details. The system will save the contact information for future payments, so this only needs to be entered once. You can update and edit bill information from the Manage My Bills screen.
» Add all biller details to your new biller. » Click Add Bill to verify the biller information on
the secondary screen.
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The Payment Center enables you to enter one or all of your bill payments from a single screen. Billers that are set up for automatic payments or that provide electronic bills, are designated with a corresponding icon. Click Payment Center from the BillPay menu to begin.
» The Pay From section will let you know which account is funding your payments.
» Enter the Amount for each bill. If no payment is to be sent to a listed biller, leave the field(s) blank.
» The earliest possible Pay Date (date the biller will receive payment) will automatically prefill. You may manually select a later date if desired.
» Click Make Payments to submit all entered payments. » The payments will display in the Pending Payments section
of the Payment Center.
Never miss a due date when scheduling an automatic payment for your bills. You can save time by setting up automatic payments for bills that occur on a regular basis for a specified amount. Click Manage My Bills from the BillPay menu, then select the Biller for which you would like to add an automatic payment.
» Select Add an Automatic Payment from the options listed for your biller.
» Complete all the fields, including the Payment Amount and Frequency.
» Enter your Email Address and the type of emails you would like to receive.
Even after you have scheduled a payment, you can change or cancel a payment up to the time it is processed. This convenient feature gives you the freedom to change the way you make your payments. You can access this feature through the Payment Center, under Pending Payments.
1. From the Pending Payments section of the Payment Center, click the link to Change or Cancel the payment.
2. Edit the information as needed and click Save Changes.
3. Click Cancel this payment to delete the payment.
Each time you login, you can view your most recently paid bills under the Recent Payment heading on the Payment Center. To view history details for payments up to 24 months, click the View Bill History link at the bottom of the Recent Payments section. You can also choose Bill History in the BillPay menu from any screen.
» Choose from the view options to display a different payment history range.
» Click here to print a copy of your bill history or to save it for your records.
» Sort your payment history by clicking any column heading.
» View additional details for pending and paid transactions.
» Download your account information for easy reporting by clicking here.
M Y S E T T I N G S
If you need to make changes to your Personal Online Banking experience, select My Settings from the navigation menu to update information affecting your session and personal information. It is important to keep your email address up-to-date if we need to notify you.
1. Rename or hide accounts.
2. Add or update security options to setup OTP delivery channels.
3. Change your Password with this link.
NOTE:It is highly recommended that you change your User ID and Password on a regular basis.
A D D I T I O N A L S E R V I C E S
With Personal Online Banking from BancFirst, you can access additional convenient features to save you time. Open the Additional Services drop-down menu and click the Products & Services link for instant access to:
• FinanceWorks
• TurboTax for Online Banking • Secure Forms
• Check Reorder
S U P P O R T
At BancFirst, help is only a click away. While online, you can send a secure email message or call us directly at 1-888-551-5152 and speak with a Customer Service Representative.
(405) 218-4040
Central Oklahoma
1-888-551-5152
Q U I C K S T E P S
Logging In
1. Log on to the Internet and go to www.bancfirst.com
2. Select Personal Online Banking from the drop-down menu and click GO. 3. Enter your User ID and Password.
4. Click Login to begin banking online. If you’re using a computer you have not registered with Enhanced Login Security, you will be prompted to receive and enter a one-time passcode.
Paying Bills Online
1. Once you have logged in to Personal Online Banking, click Pay Bills.
2. From the Payment Center, you have an overview of recent transactions and new messages. You can also schedule new payments.
3. For a new vendor, click Add a Biller from the Bill Payment menu.
