First Financial Bank Online Banking User Guide

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First Financial Bank

Online Banking

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Introduction

First Financial’s retail online banking services include:

Account Management  Review account(s) summary, details and

history.

 Manage transactions: transfer account to account, add external accounts, stop payment.

Bill Payment  Pay bills.

 Schedule payments.

 Use Ping Pay to send money to a third party.

Check Ordering Reorder checks online.

E-statement Enroll in electronic delivery of statements.

Finance Management Use Panorama to aggregate financial information

from across the web into a consolidated view.

Mobile Banking Access online banking services via smart phone.

All retail clients are eligible to register for online banking.

Accessing Online Banking

Enrolling in Online Banking

There are three ways in which a client can enroll in online banking:

1. End-to-end enrollment from bankatfirst.com that allows the client to enter all banking details and immediately log in to online banking. This requires the client has an existing Customer Information File (CIF) in our core baking software.

2. Enrollment by an FFB associate using the enrollment (Important Links > Deposit Tools Online) forms accessible from the FFB intranet home page. This also

requires the client has an existing Customer Information File (CIF) in our core baking software. The client can log in immediately after enrollment. (

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To enroll in online banking from bankatfirst.com:

1. On the home page, click learn more in the online banking section.

2. Click Enroll Now.

3. Click Personal or Business Online Banking Enrollment.

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The Enrollment Successful confirmation page opens.

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The Client is contacted by the nearest Banking Center regarding Business Banking setup.

6. Personal banking clients, click the here link to complete enrollment.

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7. Click a button to select the method for delivery of the Secure Access Code used to verify your identity during first-time log-in.

The Enter Access Code page opens and the access code is sent by phone, text message or e-mail.

8. Enter the access code, then click Submit.

The Password Reset page opens.

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10. Complete the profile form, then click Submit Profile.

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11. Read the agreement, then click I Accept (required to proceed).

The Device Registration page opens.

12. If you are using a private device (computer, Ipad, etc.) that you will continue to use in the future, click Register Device. Otherwise, click Do Not Register Device.

The online banking Accounts page opens, and you are logged in to online banking.

Logging In

To log in once enrolled:

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2. Enter your password (1), then click go (2).

The Accounts home page opens.

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Getting Around

Home Page

Once logged in, the Accounts home page opens.

Home Page: Account List

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Home Page: Account Summary

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Menu Options

Transactions provides access to:

 Add External Account for transfers

 View online banking activity

 Transfer funds

 View Credit Card info

Services provides access to:

 Change address information

 Manage alerts

 Access Bill Payment service

 Reorder checks

 View e-Documents

 Open a new account

 Manage finances with Panorama

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Preferences allows you to:

 Change account name

 Update Profile information

 Set Security preferences

 Enroll in Text Banking

Secure Messages allows you to view messages from First Financial or send messages to the bank. Locations provides access to Google map of banking centers and ATMs.

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Managing Accounts

Viewing Account Details and History

To view account details and history:

1. On the Accounts home page, click the account name.

The Account Details page opens.

2. To search the transaction history, enter search text in the Description field, then press <Enter>.

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3. To filter the transaction history, click Show Filters.

4. Enter the desired filter options, then click Apply Filters.

The history entries are restricted according to the selected filters. 5. To view transaction details, click a transaction in the History list.

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6. To return to the home page, click the return arrow.

Inquiring about a Transaction

To send a message to Customer Service regarding a specific

transaction:

1. Click the transaction in the History List, then click Ask about transaction.

The Transaction Inquiry page opens.

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3. Click Close.

The Secure Messages page opens with a copy of the message (see Sending

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Changing Account Names and Display Order

To change account names and display order:

1. On the Accounts home page, click edit.

The Account Preferences page opens.

2. Enter the new account name(s) (1). To change the display order, number the accounts in the desired order (2), then click Submit (3).

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Adding an External Account

You can link an account from an external financial institution to your First Financial online banking configuration so that you can transfer funds between the accounts.

To add an external account:

1. In the Transactions menu, click Add External Account.

The Add an External Account page opens with instructions for adding the external account.

2. Enter the bank routing and account numbers, plus account type.

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3. Click Continue.

The external account request is confirmed, and the confirmation page opens.

Two "micro" deposits will be generated and sent to your external account (typically within five business days). Micro deposits are random deposits in amounts less than $1. Once you have received these two micro deposits in your external

account, make note of both amounts as you will need them later in the verification process.

4. To verify the external account, click Transactions > Add External Account and then click the verification link in Step 2 on the bottom of the page.

The retrieve list of external account requests page opens. 5. Click Continue.

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7. Click Continue.

The account is verified and the External Account Authorization page opens and the account can be used for Account to Account transfers.

Opening a New Account

To open a new account:

1. Click Services (1), then click Open an Account (2).

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2. Complete the four tabs of the form by entering any missing information: Personal Information (1), Accounts & Services (2), Fund Account (3) and Confirmation (4). Some information is read-only and cannot be altered.

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Managing Transactions

You can easily transfer funds between your own First Financial accounts to another First Financial accountholder’s account or between a First Financial account and an external account.

Transferring Funds Account to Account

To transfer funds account to account:

1. In the Transactions menu, click Transfer Account to Account.

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2. To make a single transaction, select the From and To accounts (1), enter amount (2) and select date (3). Add memo if desired, then click Transfer Funds (4).

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Creating a Recurring Transaction

To create a recurring transaction:

1. When creating an account to account transfer, select the Make this a recurring transaction check box.

2. Enter the schedule information: repeat frequency, start and end dates.

3. Click Transfer Funds.

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Viewing Online Banking Activity

Online Banking Activity enables you to view single and recurring transactions, as well as deposited checks.

To view online banking activity:

1. In the Transactions menu, select Online Banking Activity.

The Online Banking Activity page opens showing Single Transactions. 2. Click Recurring Transactions (1) or Deposited Checks (2) to view the related

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Cancelling Recurring Transactions

To cancel a recurring transaction:

1. In the Transactions menu, select Online Banking Activity.

The Activity Center page opens showing Single Transactions. 2. Click Recurring Transactions.

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The Cancel Transaction confirmation page opens.

4. Click Confirm.

The cancel confirmation page opens and the recurring transaction is cancelled.

Transferring Funds Person to Person

Person to Person Transfer enables you to make a single transfer to another First Financial Bank accountholder or link another First Financial Bank accountholder's account (for deposit purposes only) to your online login information. If you plan to make more than one transfer to the other accountholder, or if you need to create a recurring or future-dated transfer, linking the account is required.

Making a One-time Transfer

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2. Click Single Transfer.

The account information page opens.

3. Enter the From Account (1) and Amount (2). Enter optional Description.

4. Select the Recipient’s Account Type (3), enter Recipient’s Email Address (4) and Last 4 Digits of Account (5). The email address must be the official address associated with the Recipient’s First Financial account.

5. Click Submit (6).

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Linking an Account for Person to Person Transfers

To make more than one transfer to another First Financial accountholder, or to create a recurring or future-dated transfer to another First Financial accountholder, linking the account is required.

To link an account:

1. In the Transactions menu, click Transfer Person to Person.

The Add A Deposit-Only Account page opens. 2. Click Link Account.

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3. Select the Account Type (1), enter the Recipient’s Email Address (2), enter Last 4 Digits of Account (3), then click Submit (4).

The account is linked and the Account Linked confirmation page opens. Next time you log in to online banking, the account appears in the To accounts list of the

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Sending/Viewing Secure Messages

Online banking makes it possible to send to and receive message from various First Financial departments.

Sending Messages

To send a secure message:

1. There are three ways to send messages to the bank.

Click Ask about account on the Account Details page to send a message to Customer Service.

Click Ask about transaction on an account detail entry to send a message to Customer Service:

Click the Secure Messages menu (1), then click New Conversation (2).

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2. Using the Secure Messages option, you can select a specific department in the With drop-down (1).

3. Enter the Subject (2) and Message (3). Click the paperclip to attach a file or document, if desired (4), then click Send (5).

The e-mail is sent and the Message Sent confirmation page opens.

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Viewing/Managing Messages

The Secure Messages page contains copies of the messages you send and those you receive from the bank. By default, messages remain in your inbox for six months prior to being deleted.

Viewing Messages

To view messages:

1. Click the Secure Messages menu.

The Secure Messages page opens. 2. To view a message, select it on the left.

The message text appears on the right.

Deleting Messages/Conversations

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2. Click Delete.

The conversation is deleted and the Conversation Deleted confirmation opens.

Preserving Messages

To prevent messages from expiring:

1. In the message pane on the right, select the This message should never expire check box.

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Setting Preferences

Changing Account Name and Display Order

You can change the display names and order of the accounts listed on the Accounts home page.

Refer to Changing Account Names and Display Order.

Updating Your Profile

Profile information is associated with your online banking user record.

To update your address, use the Services > Address Change request, as this is a special function that requires processing on First Financial’s core banking software. Changing the address in your Profile will NOT update the address information associated with your accounts.

To update your profile:

1. Click Preferences (1), then click Profile (2).

The Profile page opens.

2. Update the information, then click Submit Profile.

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Setting Security Preferences

To set Security Preferences:

1. Click Preferences (1), then click Security Preferences (2).

The Security Preferences page opens.

Changing Password

To change your password:

1. Follow the steps to set security preferences, then click Change Password.

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2. Enter the old password, new password twice (2–3), then click Change Password (4). Password must be 8–25 characters, including one number and one special character.

The password is updated and the Password Change Complete confirmation page opens.

Changing Login ID

To change your Login ID:

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The ID is changed and the Login ID Change Complete confirmation page opens.

Adding/Updating Secure Delivery Contact Information

An Access Code is generated and sent to you to verify your identity when certain online transactions are attempted. You can receive Access Codes via e-mail, text or phone. You choose the delivery method at the time.

To Add/Update Secure Delivery Contact Information:

1. Follow the steps to set security preferences, then click Secure Delivery.

The Secure Delivery Contact Information page opens.

2. Click Edit or Delete (1) to modify existing information, or click New options (2) to add new instances of e-mail address, text or phone numbers. You can have more than one instance of each delivery method.

The contact type information page opens for editing or the existing information is deleted.

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Secure Delivery Contact Information is added or saved and the Save

Successful confirmation page opens.

Requesting an Address Change

An address change request must be submitted in order for First Financial to update your record in the bank’s core software system. This is the address associated with your accounts.

To submit an address change request:

1. Click Services (1), then click Address Change (2).

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2. Select the account(s) to which the address change applies, then compete the address form (2).

3. Click Submit.

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Banking with Text Messages

Text Banking allows you to you send a text message to First Financial with a command. When the command action is complete, the text message reply includes the information or the results of the action.

You send the text message to 226563 (BANKME). The commands vary according to your settings.

When you send or receive a text banking message, normal text message and data rates apply.

Enrolling in Text Banking

To enroll in Text Banking:

1. Click Preferences (1), then click Text Enrollment (2).

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2. Click the On/Off button to set it to On (1), enter a valid phone number for texts (including area code) (2), and select the Agree To Terms check box (3).

3. Read the Program Description, Costs, and other sections, then click Save (4). The Text Enrollment information is saved and the Enrollment Successful confirmation page opens.

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Enabling/Disabling Text Banking by Account

To enable Text Banking with an account:

1. Click Preferences (1), then click Account Preferences (2).

The Account Preferences page opens. 2. Click Text.

The Text Account Preferences page opens.

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The Text Account Preferences updated successfully confirmation message displays.

Using Text Banking

To use Text Banking, send text messages to 226563 (BANKME). The commands will vary according to your settings. Commands may include:

BAL <account nickname> Displays the current account balance for the account that you specify.

HIST <account nickname> Displays the recent history for the account that you specify.

XFER <from account nickname> <to

account nickname> <amount> Transfers the amount that you specify from one account to another.

LIST Displays a list of all available text banking commands.

HELP Displays a list of contact points for information about text banking. This

may include the website address, phone number, or other information.

STOP Disables text banking. You can also use the settings in online banking and the mobile banking app to enable and disable text banking.

To send a Text Banking command:

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The response text is sent from 226-563.

Terminating Text Banking

To terminate Text Banking:

1. Click Preferences (1), then click Text Enrollment (2).

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3. Click Save.

Text Banking is terminated for all accounts and the Enrollment updated

successfully message displays.

Viewing Statements Online

Enrolling in e-Delivery

You can sign up to have monthly statements sent electronically.

To enroll in e-Delivery:

1. Click Services (1), then click e-Documents (2).

The Enrollment page opens.

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3. Scroll down and click to display the passcode (3), then enter the passcode (4).

4. Select the check box to agree to listed terms (5), then click Enroll Now (6).

The Enrollment Confirmation opens, indicating that an enrollment confirmation e-mail will be sent and that you should contact First Financial to verify the address if the e-mail is not received within one hour.

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Viewing Statements Online

To view statements online:

1. Complete the steps to enroll in e-Documents.

The eStatements/Notices page opens.

3. Click the drop-down and select an account (1), then click View (2) to open a specific statement.

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Changing e-Mail Address for e-Statement Notifications

To change e-mail address for e-statement notifications:

The eStatements/Notices page opens. 2. Click Email Settings.

The Email Settings page opens.

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The address is changed and the confirmation message displays.

Protecting Your Banking Information

Changing Password

To change your password:

1. See Changing Password.

Managing Alerts

Creating Alerts

Alerts enable you to receive messages when conditions you define are satisfied, such as a minimum balance reached in an account. You can create four types of alerts:

Alert Type Message triggered when:

Date Current date matches date selected in the alert.

Account Dollar amount in the specified account condition satisfied.

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Transaction Transaction status matches status selected in the alert in the specified account.

To create alerts:

1. Click Services (1), then click Alerts (2).

The Alerts page opens.

2. Click the New Alert (1) drop-down, then click the Alert type (2).

The Select an Account pane opens. 3. Click the account to which the Alert applies.

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4. Click the field to be used to trigger the Alert.

The Select a comparison pane opens.

5. Click the comparison to be used to trigger the Alert.

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6. Using the numeric keypad, click the numbers (1) to enter the dollar amount that triggers the Alert, then click Save (2).

The Select a delivery method pane opens.

7. Click the drop-down (1) and select the delivery method to be used to send the alert (2). For Email, Phone or Text Message, specify the address or phone numbers.

For Email, Phone or Text Alerts, the forms open for contact information. 8. To trigger the alert every time the condition is satisfied, select the Every

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9. Click Save (2).

The Save Alert confirmation page opens.

Disabling/Enabling/Editing Alerts

To disable/enable/edit Alerts:

1. Click Services (1), then click Alerts (2).

The Alerts page opens.

2. Click the Alert category (1), then click the Enabled On/Off (2) or Edit button (3) of the Alert to be modified (2).

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Setting Security Preferences

To set Security Preferences:

1. See Setting Security Preferences.

Adding/Updating Secure Delivery Contact Information

To add/update Secure Delivery Contact Information:

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Reordering Checks

Checks are reordered via the external Harland Clarke website.

To reorder checks:

1. Click Services (1), then click Check Reorder (2).

The Harland Clarke website opens in a new window.

2. Enter the First Financial Routing number (1), your account number (2), select the button for personal or business checks (3), then click Log In.

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Paying Bills

Online Banking provides a robust set of services that enable you to make payments online.

Please refer to the Online Bill Pay User Guide for more information.

To launch Bill Pay:

1. Click Services (1), then click Bill Pay (2).

First Financial Bank Online Banking User Guide