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| QUICK START GUIDE About iBanking Welcome to iBanking! Your 24-hour banking connection! With iBanking you have immediate access to a wide range of banking services, including checking your account balances, seeing what checks have cleared, and transferring funds from one account to another. In addition, you can pay loans, request information, and export transaction data into a file ready for import into your favorite personal financial management software. What You Will Need To use iBanking, you will need four items: A computer A modem to connect your computer to your phone line An account with an Internet Service provider (ISP) - the ISP is your connection to the Internet Browser software such as Internet Explorer or Netscape Navigator (works best with version 5.0 or higher - these can be downloaded for free at www.microsoft.com or www.netscape.com Accessing iBanking Use the following directions to reach the main Login page of iBanking: Step 1. Visit us at www.woodlandbank.com Step 2. Click on "login" under Internet Banking Logging into iBanking Use the following directions to log into iBanking for the first time: Step 1. From the Login screen, type your user ID and initial password. Step 2. Click "login" Step 3. You will be prompted to change your password. Please do so now. If you forget, you may change your password using "Setup." Use the following directions to log into iBanking when not for the first time: Step 1. From the main Login screen, type in your User ID and your password. Step 2. Click "Login" A Word About Passwords Your password is the key to your account. Guard it carefully, and do not give it to anyone. Here are a few simple guidelines to help with passwords: Select a password that has some meaning to you, but would be difficult for others to guess Use at least six characters, although eight is better Avoid single words or names Use both letters and numbers Signing Off For security reasons, you must always use the "Exit" button when you have completed an iBanking session. This ensures that no one can gain access to your accounts by using your computer. The "Exit" button will allow you to return to the iBanking Login screen or home page. Emptying Your PC Cache Memory For added security, empty your computer's RAM or working memory after each iBanking session. The working memory or cache speeds up your web access, but also stores copies of the pages you have viewed. How you clear your cache will depend on the browser you use. To learn how to empty your cache, see either your browser's or iBanking's online Help. Printing Pages To print any page from iBanking, you must have a printer attached to your PC. Before printing, click on the page area you want to print. This ensures the area is "active" and the correct page prints. Then select your browser's print icon. The page will then print. What's Available in iBanking iBanking has a full array of banking services available to you. The following is a list of some of these services: Account Information and Services Balance information and activity Funds transfers between accounts Loan and credit payments Download files for import into your personal finance software Stop payment requests Check reorder or reprint requests Other Services Statement Reprints Customer Surveys Online checking, savings, loan, or credit card application forms Loan Calculator Account Maintenance Passwords Account alias or nicknames Fax number or e-mail addresses Help Accessed from any page within the program Step-by-step instructions for specific activities Special topics like security or navigation Account Information and Services After you log into iBanking, you have immediate access to your account information. Your accounts are listed by type, e.g., deposits, certificates, loan, etc. Account numbers are partially masked for security purposes. You may also give each of your accounts a name or "alias" that make the account easier for you to recognize. The Account Detail page will itemize all of the transactions that have posted to your account, including checks and electronic items such as direct deposits, direct debits, and point-of-sale purchases. You can also easily move funds between your accounts or make a loan payment. Using iBanking in conjunction with your own personal financial management (PFM) software gives you a powerful means of managing your finances. You can budget, do retirement planning, prepare taxes, and more. iBanking allows you to create and download Quicken Interchange Format (QIF) files - the industry standard for transaction information exchange - into your favorite spreadsheet or PFM such as Quicken or Microsoft Money. Finally, with iBanking, you can request stop payments or a copy of a previous account statement. You can even reorder your checks without leaving home, or request a reprint of a check you've misplaced. Other Services iBanking allows you to open additional accounts, and apply for loans right from your PC without leaving home. Furthermore, you can determine the monthly payments of any loan by using our built-in loan calculator. Account Maintenance iBanking allows you to change or modify certain account information such as your password, or your account alias, the 'nickname' you give your account. In addition, you can update your fax number and e-mail address. Complete instructions on changing passwords and account aliases can be found in the online Help. Getting Help Using iBanking You can access the online Help from any page in iBanking. The online Help gives you step-by-step directions for iBanking. In addition, several special topics like security, page navigation, and passwords are also available. If You Have Problems We are always working to make iBanking easier for you to use. Therefore, your comments are important to us. Please use any of the methods listed below to let us know what you think. Fill out the customer survey located in the Online Forms and Reports section of the Other Services page Send us a message using Contact Us Send us an e-mail at wdlndbnk@means.net |
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