Citizens Bank Online Banking Guide Users Gui… · You’ll enjoy enhanced Citizens Bank online banking services this fall. ... Citizens Bank Online 3 ... three different types of

You’ll enjoy enhanced Citizens Bank online banking services this fall. This User’sGuide explains the features and the use of Citizens Bank’s Online Banking and Bill Payment Services.

Using the same login and password, some of the enhancements you will enjoy include:• Check Images: View up to 16 months of digital images (front and back) of any

check that has cleared.• Online Statements: View or print up to 18 months of online versions of your

deposit account statements.• Account Alerts: Set up accounts to notify you when balances go above or below

a certain threshold, or when a check has cleared.• Quick Links: Enjoy easier navigation! Many popular functions will now be just

one click away.• Single Login: Business customers can manage personal accounts and/or multiple

business accounts with a single login. Funds can be transferred between personal and business accounts.

• Nickname Accounts: Choose nicknames for your accounts for quick and easy reference.

This Guide is organized into two sections — Personal and Business Banking Services.In each section, we have highlighted changes to your online banking service, as wellas enhancements you’ll experience this fall. You’ll see helpful tips, instructions andscreen images to help you navigate the site. To help you quickly find the topics that are most important to you, we have added links to key subject areas.

Our detailed Help screens and personal assistance from dedicated Online BankingCustomer Service Specialists provide you with support 24 hours a day, 7 days aweek. The Help link can be found in the top right corner of any screen withinCitizens Bank Online. If you need further assistance, please feel free to call us anytime. For personal accounts, call 1-800-656-6561. For business accounts, call 1-877-229-6428. Thank you.

Member FDICIWD3

Welcome to Citizens Bank Online® — New & Improved

Table of Contents

Personal Online Banking Services

Welcome to Citizens Bank Online® — New & Improved . . . . . . . . . . 1

Citizens Bank Online

Comparison of Features . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2-3

Log In . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Account History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Deposit Account Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Transfer Funds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Transfer Funds to Loan Accounts . . . . . . . . . . . . . . . . . . . . . . . 8

Account Alerts Center . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9-10

Citizens Bank Online Bill Payment

Comparison of Features . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

Pay Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Business Online Banking Services

Welcome to Citizens Bank Business Online® — New & Improved . . . . 13

Citizens Bank Business Online

Comparison of Features . . . . . . . . . . . . . . . . . . . . . . . . . . 14-15

Log In . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Account History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17

Deposit Account Statements . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Transfer Funds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

Account Alerts Center. . . . . . . . . . . . . . . . . . . . . . . . . . . . 20-21

User Setup . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

Citizens Bank Business Online Bill Payment

Comparison of Features . . . . . . . . . . . . . . . . . . . . . . . . . . 23-24

Pay Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25

1

Welcome to Citizens Bank Online — New & Improved

We’re always here to help you.Just call 1-800-656-6561 toll-free anytime.

Welcom

e to Citizens Bank Online —

New

&Im

proved

New navigational menu offers clearly labeled tabs identifying

major functions.

Commonly used functionsare a mouse click away.

The new and improved welcome page helps you navigate the site quickly and easily. Links and icons to popular functions, such as bill pay, are clearly labeled.

Welcome to Online Banking

Viewing Account Information

Log In Instructions

Citizens Bank Online Improved Citizens Bank Online

No check details are available.

Statements are unavailable.

Accounts cannot be nicknamed. Accounts are identified by product name (e.g. Circle Checking).

Account Summary is available by clicking the summary button from the View Accounts page. Account Historyis available by clicking the history button from the View Accounts page.

You can narrow your search by date, amount,transaction type or check number by clickingthe Change Search Criteria button.

Hide an account from view by clicking the Preferences link.


Comparison of Features

2

Personal Online Banking Services —


(continued)

You can continue to access online banking with your card number (or 16-digit access code) as a username and existing password.

New: You can now change your login information.Instead of using your ATM or debit card number(or 16-digit access code) as your username,choose a username that is easier to remember.Your new username can be as short as six characters. You can also change your passwordand select a password clue should you forget it.

New: View up to 16 months of front and back digital images of any check that has cleared by selecting the check number link in Account History.

New: View or print up to 18 months of onlineversions of your deposit account statementsfrom the Account History page.

New: Accounts can be nicknamed by clicking Add/Edit Account Nicknamesfrom the main navigation menu.

Account Summary is combined with Account History and is accessed by clickingthe account name or by clicking AccountHistory from the main navigation menu.

You can change the account being viewed and also narrow your search by date, amount, transaction type or check numberby selecting your criteria on the AccountHistory screen and clicking the Update View of Transactions button.

Hide an account from view by clicking Update Account Info from the main navigation menu.

To log in to Citizens Bank Online, you use your Citizens Bank ATM or debit card (or 16-digit access code) as a username and an online banking password.


Here is a summary of the enhancements along with helpful tips andinstructions on the following pages.

Downloading or Exporting Transactions


3



Improved Citizens Bank Online

Download account information to Microsoft® Money, QuickBooks® or Quicken® byclicking Download Accounts from the left navigation menu.

Download account information to MicrosoftMoney, QuickBooks or Quicken by clicking the Download Account Data link from the Account History screen.

Show or mask account numbers by clickingUpdate Account Info from the main navigation menu.

Show or mask account numbers by clickingthe Preferences link.




Transfers

Transfer funds between accounts for the current day, a future date or on a recurringbasis by clicking Transfer Funds from the left navigation menu. Also transfer funds for payment to loans or credit line accounts.

Transfer funds between accounts for the currentday, a future date or on a recurring basis byclicking Transfer Funds from the main navigationmenu. Or, select Make A Transfer from theQuick Links box on the Welcome page. Also transfer funds for payment to loans or credit line accounts.

New: Transfer funds to loan accounts toreduce your principal balance.

New: Transfer date calendar. Use the newinteractive calendar to easily choose thetransfer date by selecting the calendar icon.

Quicken and QuickBooks are registered trademarks of Intuit, Inc.

Customer Service Requests

You can place a reorder for checks at citizensbank.com.

Set up and receive a balance alert for an account balance going above or below a threshold.

New: You can now reorder checks directlythrough Citizens Bank Online.

New: Set up and receive an account alert for an account balance going above or below a threshold, when a payment fails to process andfor a check that has cleared. Alerts can also be delivered to up to three addresses, includinge-mail, mobile phone or pager.

Viewing Account Information (continued)

4


Log InCitizens Bank Online


Log In

You can now choose ausername as short as

six characters.

You can continue to access online banking with your Citizens Bank ATM or debit card number (or 16-digit access code) as a username and existing password. Or, you can choose a username as short as six characters that is easier to remember.

5


Account H

istoryCitizens Bank Online


Account History Choose nicknames for your accounts for quick

and easy reference.

New drop down menusmake it easier to customizeaccount history searches.

Viewing account history has never been easier. You can see cleared checks, download data to personal financial management software and print online versions of your depositaccount statements.

The download data link is conveniently located on the

Account History screen.

View check images by selectingthe check number link.

View or print up to 18 monthsof online versions of your

deposit account statements.

6


Deposit A

ccount Statements



Deposit Account Statements

Online versions of your monthly deposit account statements provide you with a summary of account activity.

1-800-922-9999

Call Citizens’ PhoneBank anytime for account information,current rates and answers to your questions.

US002 BR673

John Customer

888 Any STAnytown MA 02050-5555

Checking

John Customer

Circle Checking11111-614-8

Balance Calculation Balance

Previous Balance 3345.71 Average Daily Balance 2979.44Checks 432.54 -Withdrawals 300.00 - InterestDeposits & Additions .00 +Interest Paid Current Interest Rate .00%

.00 + Annual Percentage Yield Earned .00%Current Balance 2613.17 = Number of Days Interest Earned 00

Interest Earned .00Interest Paid This Year .00

S U M M A R Y

==========================================================================================================================

----------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------

Citizens Circle Gold

Account Statement

1 OF 1

Beginning March 17, 2004through April 17, 2004

7


Transfer FundsCitizens Bank Online


Transfer Funds

The new, easy-to-use interactive calendar helps you choose the dates of your transfers quickly.

Online calendar lets youchoose the transfer datewith a click of a mouse.

New memo field for your personal notes

about transfers.

New option to set uprecurring transfers

more easily.

8


Transfer Funds to Loan Accounts



Transfer Funds to Loan Accounts

Loan account summary, including last payment amount, is now displayed on the Transfer Funds to loan account page.

Transfer funds to loan accounts to reduce your

principal balance.

9


Account A

lerts CenterCitizens Bank Online


Account Alerts Center

Alerts can help you manage your accounts by notifying you when specific events occur, such aswhen your account balance falls below a minimum balance.

By clicking Add Alerts,three different types of notification

can be set up.

10


Account A

lerts CenterCitizens Bank Online



Receiving alerts is now more convenient. Notification can be sent to three addresses, including e-mail, mobile phone or pager.

Citizens Bank Online Bill Payment

Citizens Bank Online Bill PaymentHere is a summary of the key bill payment differences and enhancementsand helpful tips and instructions on the following page.

11


Online Bill Paym

ent



Access Instructions

Citizens Bank OnlineBill Payment

Improved Citizens Bank OnlineBill Payment

Log in to Citizens Bank Online and choosethe Make Payments link located in the leftnavigation menu.

Log in to Citizens Bank Online and choose Pay a Bill from the Quick Links box on theWelcome page or Pay Bills from the mainnavigation menu on any page.

Scheduling Payments

To schedule a bill payment, choose the MakePayments link from the left navigation menu.Choose the payee and the “Payment Date.”

The “Payment Date” is the date the payee is scheduled to receive the payment.

Pending payments and payment history are viewed together by clicking Review/Modify Payments.

To schedule a bill payment, choose thePay Bills link from the main navigation menu or from the Quick Links box on the Welcome page. Choose the payee, amount and the “Payment Due Date.” Optional memofield is available.

The “Payment Due Date” is the date the payeeis scheduled to receive the payment.

New: Payment date calendar. Use the newinteractive calendar to easily choose the payment date by selecting the calendar icon.

New: Available balances are now shown for the payment accounts. (The available balance shown for your accounts does notinclude your overdraft line of credit.)

Pending payments can be viewed by clicking Pending Payments from the Pay Bills navigation menu or by clicking PendingPayments from the Quick Links box on theWelcome page. Payment history can be viewed by clicking Payment Historyfrom the Pay Bills navigation menu.

12


Pay BillsCitizens Bank Online Bill Payment


Pay Bills

Access payment history and pending payments from this page. Quickly add new payees by selecting the Add New Payee link.

Use the new payment date calendar to choose the datethe payee is scheduled to

receive the payment.

The “R” icon reminds youthat a recurring payment hasbeen set up for this payee.

New navigational menu offers clearly labeled tabs identifying

major functions.

Commonly used functionsare a mouse click away.

The new and improved welcome page helps you navigate the site quickly and easily. Links and icons to popular functions, such as bill pay, are clearly labeled.

13

Welcome to Citizens Bank Business Online — New & Improved


Welcom

e to Citizens Bank Business Online —

New

&Im

proved

Welcome to Online Banking

14

Business Online Banking Services —


(continued)

Log In Instructions

No check details are available.

Statements are unavailable.

Accounts cannot be nicknamed. Accounts are identified by product name (e.g. Business Partners Money Market).

Account Summary is available by clicking thesummary button from the View Accounts page.Account History is available by clicking thehistory button from the View Accounts page.

You can narrow your search by date, amount,transaction type or check number by clickingthe Change Search Criteria button.

Viewing Account Information

Improved Citizens Bank Business OnlineCitizens Bank Business Online

New: View up to 16 months of front and back digital images of any check that has cleared by selecting the check number link in Account History.

New: View or print up to 18 months of onlineversions of your deposit account statementsfrom Account History page.

New: Accounts can be nicknamed by clickingAdd/Edit Account Nicknames from the mainnavigation menu.

Account Summary is combined with AccountHistory and is accessed by clicking the accountname or by clicking Account History from themain navigation menu.

You can change the account being viewed andalso narrow your search by date, amount, transaction type or check number by selectingyour criteria on the Account History screen andclicking the Update View of Transactions button.

To log in to Citizens Bank Business Online,you use your Citizens Bank ATM or businessdebit card (or 16-digit access code) as yourusername and an online banking password.




You can continue to access online banking withyour card number (or 16-digit access code) asyour username and existing password.

New: You can now change your login information. Instead of using your ATM or business debit card number (or 16-digit accesscode) as your username, choose a usernamethat is easier to remember. Your new usernamecan be as short as six characters. You can alsochange your password and select a passwordclue should you forget it.

Security Access

Setting up other users within a business for business online banking requires setting up additional ATM or business debit cards at a branch.

New: Current users with administrative capabilitycan choose the Administration Functions link from the Customer Service menu to set upusers and customize their access levels toaccounts and functionality.

Here is a summary of the enhancements along with helpful tips andinstructions on the following pages.

Citizens Bank Business Online Improved Citizens Bank Business Online


Viewing Account Information (continued)

Download account information to MicrosoftMoney, QuickBooks or Quicken by clickingDownload Account Data link from the Account History screen.

Transfer funds between accounts for the current day, a future date or on a recurring basis by clicking Transfer Funds from themain navigation menu. Or, select Make ATransfer from the Quick Links box on the Welcome page.

New: Transfer funds between business and personal accounts.

New: Transfer date calendar. Use the newinteractive calendar to easily choose the transfer date by selecting the calendar icon.

Transfer funds between accounts for the current day, a future date or on a recurringbasis by clicking Transfer Funds from the left navigation menu.

Transfers

Hide an account from view by clicking the Preferences link.

Show or mask account numbers by clickingthe Preferences link.

With Citizens Bank Business Online, you mayview business account information. Personalaccount information may be viewed by logging in to Citizens Bank Online.

15



Downloading or Exporting Transactions

Download account information to Microsoft Money, QuickBooks or Quicken by clicking Download Accounts from the left navigation menu.

New: You can now reorder checks directlythrough Citizens Bank Business Online.

Set up and receive an account alert for anaccount balance going above or below a threshold, when a payment fails to process and for a check that has cleared. Alerts canalso be delivered to up to three addresses,including e-mail, mobile phone or pager.

Customer Service Requests

You can place a reorder for checks at citizensbank.com.

Set up and receive a balance alert for an account balance going above or below a threshold.



Hide an account from view by clicking Update Account Info from the main navigation menu.

Show or mask account numbers by clickingUpdate Account Info from the main navigation menu.

New: View and manage personal accounts and/or multiple business accounts with a single login. Simply call Online BankingCustomer Service for assistance with linkingyour personal accounts to your business online service.

16


Log In


Log In


You can continue to access online banking with your Citizens Bank ATM or business debitcard number (or 16-digit access code) as a username and existing password. Or, you canchoose a username as short as six characters that is easier to remember.

You can now choose ausername as short as

six characters.

17


Account H

istory


Account History

Viewing account history has never been easier. You can see cleared checks, download data to personal financial management software and print online versions of your deposit account statements.

Choose nicknames for your accounts for quick

and easy reference.

New drop down menusmake it easier to customizeaccount history searches.

The download data link is conveniently located on the

Account History screen.

View or print up to 18 monthsof online versions of your

deposit account statements.


View check images by selectingthe check number link.

18


Deposit A

ccount Statements



Online versions of your monthly deposit account statements provide you with a summary of account activity.

Deposit Account Statements

1-800-862-6200

Call Citizens’ PhoneBank anytime for account information,current rates and answers to your questions.

US002 BR673

ABC Company

888 Any STAnytown MA 02050-5555

Checking

ABC Company

Business Partners Checking I11111-614-8

Balance Calculation Balance

Previous Balance 3345.71 Average Daily Balance 2979.44Checks 432.54 -Withdrawals 300.00 - InterestDeposits & Additions .00 +Interest Paid Current Interest Rate .00%

.00 + Annual Percentage Yield Earned .00%Current Balance 2613.17 = Number of Days Interest Earned 00

Interest Earned .00Interest Paid This Year .00

S U M M A R Y

==========================================================================================================================

----------------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------

Business Partners Checking I

Account Statement

1 OF 1

Beginning March 17, 2004through April 17, 2004


Transfer Funds

Online calendar lets youchoose the transfer datewith a click of a mouse.

New memo field for your personal notes

about transfers.

New option to set uprecurring transfers

more easily.



Transfer Funds

Transfer funds between business and personal accounts. The new, easy-to-use interactive calendar helps you choose the dates of your transfers quickly.

19


20


Account A

lerts Center



Alerts can help you manage your accounts by notifying you when specific events occur, such aswhen your account balance falls below a minimum balance.

By clicking Add Alerts,three different types of notification

can be set up.


21


Account A

lerts Center



Receiving alerts is now more convenient. Notification can be sent to three addresses, including e-mail, mobile phone or pager.

User Setup


22


User Setup


Customize access levels toaccounts and functionality

for each user.

Users with administrative capability can set up additional users online and assign permissions.


Access Instructions


Improved Citizens Bank Business Online Bill Payment

Log in to Citizens Bank Business Online andchoose Pay a Bill from the Quick Links box on the Welcome page or Pay Bills from themain navigation menu on any page.

Log in to Citizens Bank Business Online andchoose the Make Payments link located inthe left navigation menu.


23


Online Bill Paym

ent


To schedule a bill payment, choose the MakePayments link from the left navigation menu.Choose the payee and the “Payment Date.”

The “Payment Date” is the date the payee is scheduled to receive payment.

Pending payments and payment history are viewed together by clicking Review/Modify Payments.

To schedule a bill payment, choose the Pay Bills link from the main navigation menu or from the Quick Links box on theWelcome page. Choose the payee, amount and the “Payment Due Date.” Optional memo field is available.

The “Payment Due Date” is the date the payee is scheduled to receive payment.

New: Payment date calendar. Use the newinteractive calendar to easily choose the payment date by selecting the calendar icon.

New: Available balances are now shown for the payment accounts. (The available balance shown for your accounts does notinclude your overdraft line of credit.)

Pending payments can be viewed by clickingPending Payments from the Pay Bills navigation menu or by clicking PendingPayments from the Quick Links box on theWelcome page. Payment history can be viewed by clicking Payment History from the Pay Bills navigation menu.

Scheduling Payments

(continued)

Citizens Bank Business Online Bill PaymentHere is a summary of the key bill payment differences and enhancementsand helpful tips and instructions.

24


Online Bill Paym

ent




Invoice Information


Improved Citizens Bank Business Online Bill Payment

Invoice number as well as date, amount,description and discount information can be submitted with online bill payments.The Invoice Details link expands on thesame page to view the input fields for invoice information.

Invoice number as well as date, amount,description and discount information can be submitted with online bill payments.

25


Pay BillsCitizens Bank Business Online Bill Payment


Pay Bills

Convenient new layout allows you to make multiple payments to multiple payees on the same page. Access payment history and pending payments from this page. Quickly add new payees by selecting the Add New Payee link.

The “R” icon reminds youthat a recurring payment hasbeen set up for this payee.

Use the new payment date calendar to choose the date thepayee is scheduled to receive

the payment.

Documents

Citizens Bank Online Banking Guide Users Gui… · You’ll enjoy enhanced Citizens Bank online banking services this fall. ... Citizens Bank Online 3 ... three different types of