Guide to Getting Started - National Bank of Arizona · Getting Started Online Logging into Business...

Guide to Getting Started Business Online Banking & Bill Pay

NBAZ.COM | A division of Zions Bancorporation, N.A. Member FDIC 2

What’s Inside

Welcome to National Bank of Arizona’s Online

Banking. Whether you’re at home, at work, or

on the road, our online services are here for

you 24 hours a day, seven days a week.

This guide is designed to answer your

questions about Online Banking and Bill Pay

and explain how these services can help you

manager your finances online.

Learn how to:

View account information

Transfer funds

Pay and manage bills

Download account transactions

Receive statements online

Contents

Security at National Bank of Arizona ................................................. 4

Getting Started Online .............................................................................. 6

Setting Up SecurEntry™ ............................................................................ 7

My Bank Overview .......................................................................................8

Account Preferences .................................................................................. 9

Change Account Preferences .....................................................9

Manage My Favorites View ..........................................................9

Message Center ........................................................................................... 10

Secured Messages .......................................................................... 10

Security Alerts .................................................................................. 10

Account Alerts .................................................................................. 10

Personal Reminders ....................................................................... 10

Search Transaction History ................................................................... 12

Download Account Transactions ....................................................... 13

eStatements and eNotices .................................................................... 14

Transfer Funds ............................................................................................. 15

Transfer Center ................................................................................. 16

Other Accounts ............................................................................... 16

Add Transfer-to-a-Friend Accounts ..................................... 16

Online Wires .................................................................................................. 17

Bill Pay Overview ........................................................................................ 18

Add Biller ............................................................................................. 18

Make Bill Payments ......................................................................... 19

Schedule Repeating Payments in Advance ....................... 19

Receive Your Bills Electronically .............................................. 19

Make Bill Payments with Invoices .......................................... 20

Setting Up Account Entitlements ...................................................... 21

Dual Authorization .................................................................................... 24

Other Services ............................................................................................ 25


Request a Copy of a Check, Deposit, Withdrawal, or Statement ........................................................................................... 25

Request Stop Payments .............................................................. 25

Enhanced Account Protection ................................................. 26

Contact Us .................................................................................................... 27

The information in this Guide, and the look, feel, and operation of National Bank of Arizona’s Business Online Banking, are all subject to change by National Bank of Arizona at any time, with or without prior notice.


Security at National Bank of Arizona What We Do:

National Bank of Arizona understands the importance of customer security. We employ many different types of technology to help

protect your funds and account information when you use Business Online Banking. For example:

We use Secure Sockets Layer (SSL) technology to encrypt and to help protect your data as it crosses the Internet.

We open sessions when you access Business Online Banking, which expire within minutes of inactivity on your browser.

We employ detection and prevention technologies to help protect our network and access to your information.

We email Security Alerts to you automatically when certain high-risk activities occur online, such as Login ID changes, password

changes, or when new Transfer-to-Friend Accounts are added to your profile.

What You Can Do:

Internet Security is a cooperative effort and we encourage you to exercise safe online banking practices, including:

Keeping your information secure: don’t share or write down your username or password; monitor your account regularly, check your

statements promptly, and report any suspicious activity immediately; and sign up for eStatements to keep paper statements

from waiting in your mailbox for others to steal.

Keeping your computer secure: use anti-virus and anti-spyware software and update them regularly; install intrusion prevention

software; close your browser after logging out of your account; and update your browser to make sure you have the latest

version.

Bookmarking https://www.nbaz.com: access your NB|AZ account by clicking on that bookmark, or by typing that address into your

browser directly, rather than clicking on links embedded in emails or other websites; before entering your login credentials,

verify that the “s” in “https” appears in your browser address line.

Sign up for the services listed below


Services Available to You:

National Bank of Arizona has products and services designed specifically to help you avoid internal security breaches. We invite you

to take advantage of these services to improve your internal security:

Install IBM Security Trusteer Rapport® Browser Protection Software: NB|AZ lets you download Trusteer Rapport® security software from

IBM Security free of charge! Run Trusteer Rapport in addition to your anti-virus, anti-malware, and firewall software. Trusteer

Rapport helps you protect your browser from malware attacks and fraudulent websites. Trusteer Rapport’s innovative

technology helps pick up where conventional security software fails.

Opt out of traditional paper statements and receive only eStatements: Avoid paper statements sitting around in your mailbox waiting for

you to retrieve them. Online statements are password protected and encrypted on our online banking platform. Register for

free eStatements in Online Banking.

Use Bill Pay to eliminate mail fraud: Stop the fraudsters from stealing your account information by directly receiving E-bills and paying

them online.

Enroll in Enhanced Account Protection: This mobile-based transaction authentication service adds an additional layer of security in

Personal Online Banking. Transactions that meet the threshold defined by NB|AZ Bank require SMS authentication before they

can be completed.

Enable Dual Authorization: This service requires authorization from one or two designated approvers, before other business users

can complete certain online activity in Business Online Banking, including transfers over a designated amount and changes to

User Entitlement settings.


Quick Tip: For your protection, if you or someone trying to access your accounts uses an invalid password three times, we will block

your account. To regain access, please call us at 1-800-497-8168 Monday to Saturday 7am to 8pm MST. Once we confirm your identity, we will email you a temporary password.

Getting Started Online Logging into Business Online Banking is easy. Just open your Web browser and type nbaz.com/business in the address line*. You’ll be able to view your account information, transfer funds and more in seconds.

Not banking online yet? Call Business Online Banking Support at 1-800-497-8168, Opt 4 to get started today.

Looking for the nearest branch? Enter a zip code in our ATM & Branch Locator tool.

*Look for the “s” in the “https” to verify you are at our secured site and then bookmark the page for future use. Avoid accessing your accounts by clicking links embedded in emails or other websites.

Open your Web browser and type https://www.nbaz.com/business.*

1

• Select LOGIN in the upper right corner

• Enter your Login ID and Password

2


Setting Up SecurEntry™ National Bank of Arizona has encryption, firewalls and intrusion monitoring systems in place to help prevent fraud. When logging in for the first time, you will be asked to provide identifying information that will help our system to recognize you when necessary.

1. Choose SecurEntry Challenge Questions from the drop-down menus.

2. Provide an answer to each Challenge Question.

3. Click Continue.

4. Review the answers you provided and then click Submit.

These steps add extra layers of identification to help confirm it’s really you logging in.


My Bank Overview My Bank Overview is the first page you see once you log in to Online Banking. Here’s where you can see an overview and summary of your NB|AZ Bank accounts.

From the My Bank page, you can:

Navigate to almost any feature in Online Banking with one click

Create My Favorites account views.

View prior day, current

and available balances.

See different account types in your profile.

Click the Account

Name to display detailed history for that account.

Initiate Quick Transfers

between accounts.

Contact us, get help, or log out of Online Banking.

View date and last login.

Click the or to expand/collapse panels.

View outstanding messages from the Info Center.

See scheduled, pending and cleared transactions.

Review credits and debits posting to your accounts.

Review multiple pages of transaction history.


Account Preferences

Change Account Preferences

The Change Account Preferences page enables you to set preferences specific to each of your accounts in relationship with Business Online Banking.

Use the Change Account Preferences page to:

Define the account nickname. Define the default number of days cleared transactions are

displayed in history. Define which account information is displayed in Business

Online Banking. Define the default account.

Manage My Favorites View

My Bank Account Preferences page enables you to define multiple, personalized, account Favorites Views as well as define the default view displayed on the My Bank page.

Navigate by clicking on the My Bank View > Manage Favorites View from the Favorites View consists of a selected group of accounts.

When the view is selected on the My Bank page, the Account section of the page only displays the accounts defined in that Favorites View. You can manage and create new views by selecting the links on the page.


Message Center The Message Center is a centralized location where you can work with messages, alerts, and reminders. You can manage alerts and reminders for notification of account and transaction activities and events. These notifications are delivered to one or more locations, based on your defined delivery options. The Manage Alerts page enables you to create, edit, view, or delete alerts.

Secured Messages

The Messages feature in Online Banking enables you to send, receive, and view secured messages from the NB|AZ Online Banking Support Team.

Security Alerts

When profile adjustments are made to your Business Online Banking profile, security alerts are automatically sent to your email address to provide you with information, such as when your password or login ID were changed.

Security Alerts are automatically sent by email for the following online activities:

New Transfer-to-Friend Account added to profile Login ID Change Password Change or Reset Entitlement Requires Approval Transfer Requires Approval

Account Alerts

These alerts are optional. You can choose which alerts you want to receive, and then define specific details of the message. Account Alerts include period balance, alerts that an account balance is over or under a certain dollar amount, and successful transfers.

Personal Reminders

Reminders are notifications you can create to help you remember an event or task. You could set up reminders, for example, to remember to make a loan payment or to reorder checks.


Quick Tip: You can sort your transactions by

date, type, description, status, debit, or credit by clicking on the column headings.

Account Activity

You can get detailed information* in two ways. You can either select an account from the list on the My Bank page, or you can use the Account Register link under the Accounts tab from the navigation menu.

1. From the Accounts tab, choose Activity.

2. Use the Account Register Selection to select an account and search by category.

3. Click View to see an overview of the account for the search by category you selected.

4. View up to 18 months of your transaction history, as well as pending transactions, scheduled payments, scheduled transfers, and check images.

5. Click on transaction links to see more detailed information, to view check images, or to adjust scheduled transactions.

*Detailed transaction history is not available for certain account types.


Search Transaction History The Transaction Search page also makes it easy for you to locate and view detailed information about specific transactions. You can also view images of cleared checks and deposits by clicking on the transaction link.

1. Select account.

2. Choose the search criteria: Date Range, Check Number, Keyword, Amount, Deposits by Date or Withdrawals by Date.

3. Input the information and click .

4. You can begin a new search at any time by selecting

.


Download Account Transactions To help manage your finances, download your transaction data into personal financial management software, such as Quicken® or QuickBooks®. Save time and monitor your cash flow with this convenient feature.

1. From the Accounts menu, choose Balances.

2. Select the appropriate download option. If your software is not on the list, you can choose the .csv format, which is compatible with most spreadsheet applications.

3. Click the Download button. The Download Activity page appears.

4. Click to select the check boxes for the accounts to download.

5. Select one of these options: All transactions since last download or date option.

Quick Tip: Use your personal financial

management software, such as Quicken® or QuickBooks®, to reconcile your accounts and forecast account balances.


eStatements and eNotices Receiving statements and notices online saves time and cuts down on paper clutter. This service is available for eligible deposit accounts and loans, for the life of the account. Online statements have the same information as the paper version and are available sooner. The bank notifies you through email when an eStatement or eNotice is ready.

1. From the Accounts tab select eDocuments or from the Services menu, select eStatements/eNotices.

2. Select the My eDocuments Preferences link under Quick Links to enroll into eStatements or eNotices.

3. Select to receive electronic versions of statements, notices, or both. Choose to go paperless by selecting the check box next to the account in the enrollment preferences or select “Opt me out of paper delivery for statements and notices” to apply the change to all eligible accounts.

4. And that’s it! Online delivery will begin at the start of the next statement cycle.

5. Once enrolled, filter account statements or notices by selecting the account, document type, and the time-period desired.

6. Select the specific document by name to view the statement or notice.

7. View a list of eNotices or your Statement Inserts using Quick Links.


Transfer Funds From the Transfers menu, you can access the Transfer Center, where you can create, edit and view transfers. You can also create, edit, delete, and view transfers to your Transfer-to-Friend Accounts.

The Transfer Center provides a central place where you can view and manage transfers among your NB|AZ accounts, or between your NB|AZ account and Transfer to a Friend. Using this page you can:

View a list of scheduled, completed and all transfers by a specified date range

Create a printable view of the transfers list Create a transfer View and print a transaction receipt View an individual transfer Edit a scheduled transfer View the history for a scheduled transfer Delete a scheduled transfer

Other Accounts provides a central place where you can view and manage your Transfer to a Friend Accounts.

Add Transfer-to-Friend Account Change nickname for the accounts Delete accounts you no longer need


Add Transfer-to-a-Friend Accounts

Transfer-to-Friend Accounts are owned by someone else. Your permission with this account type only allows you to “transfer to” the account. You can add a Transfer to a Friend account to which you can transfer funds, if the friend’s account is held at NB|AZ and the friend is also enrolled in Business or Personal Online banking.

Enter your friend’s NB|AZ account number. Once added, this account will be displayed in the transfer list of available accounts to credit.


Online Wires

If you have a need to send wire transfers, you can enroll for Online Wires and initiate wire transfers from the comfort of your home or office.

1. From the Payments tab select Wires Application.

2. You can enroll for online wires by following the screen prompts. Or, you can obtain the paper Wire Application and Agreement by visiting the online Agreement Center.

3. Once your application has been approved, you will receive an email with a step-by-step guide to walk you through the entire wire process.

4. Access your wire history online, anytime.

5. It’s Simple, Easy and FAST!

https://www.nbarizona.com/content/dam/nbaz/nbarizona/pdfs/Wire-Application-and-Agreement-for-Personal-Online-Banking.pdf

https://www.nbarizona.com/personal/resources/agreement-center/


Bill Pay Overview

Pay bills your way with Bill Pay. It saves you time and is convenient. You can schedule recurring payments for bills that are due the same time each month, like your car, mortgage, or cable payment. Or, make payments manually each time. You choose.

Add Biller

To begin paying bills, you need to add a biller (payee). A biller is any company or person you pay, such as your utility company or cable provider. You’ll need biller information (i.e., a recent bill or statement) to get started.

1. Select the Add a Bill button and select whether it is a company or a person; then specify the biller field.

2. You will then be instructed to provide the account number (if there is one) and billing address of the payee.

3. Click Add Bill and the new payee will be added to your payee list.


Make Bill Payments

Making payments with Bill Pay is easier than writing a check. Select the payee and enter the amount and date that you want your payment delivered by. Then click Make Payments. The item will move to the Pending Payments section. You can edit or cancel a payment up until it is processed.

Schedule Repeating Payments in Advance

Pay regularly occurring bills for a fixed amount, such as a mortgage or car payment.

1. Select Add an automatic payment from Manage My Bills.

2. Set the specifics (amount, frequency, delivery date, etc.).

Receive Your Bills Electronically

An E-bill is an invoice from a biller that you can view and pay online through Bill Pay. E-bills contain the same information found in a paper bill. If your biller has the capability to send an E-bill, there will be an option next to the biller name.

1. Select Get Bill next to the payee to start a Trial E-bill or set up your E-bill service. (A Trial E-bill allows you to try the service for 90 days while still receiving a paper bill in the mail.)

2. At 14 days prior to the end of the Trial E-bill period, messages advise you on the steps to take to continue the E-bill service.

3. If a Trial E-bill period expires and no action has been taken, a message advises you that the E-bill is no longer active.

4. Following the simple steps to continue the E-bill service offers easy, online access!


Make Bill Payments with Invoices

You can also choose to make payments from invoices, for more thorough documentation of payments to other companies. To get started, please identify the invoice you would like to set up and pay.

1. In the Payment Center, click Add Invoices for the desired payment.

2. Specify the details related to the payment, including any invoice or discount information.

3. Click the Add Invoice button.


Setting Up Account Entitlements You may have some people who help take care of your finances for you. Business Online Banking lets you designate other trusted users to access your business accounts and perform specific functions online. Entitling other users saves time and gives the business more flexibility. And keep in mind that at all times, the Customer System Administrator, or CSA, maintains control over the level of access and what can be seen and done online.

Add a New User

Adding a new user and assigning entitlements is simple. The administrator begins by selecting the Add a New User link from the Admin tab.

1. Create a Login ID and Temporary Password for the new user. (When logging in the first time, the new user creates his or her own password).

2. Then, fill in the user’s information. Making the status active allows that person to log in to the business profile online.

User Access Settings

1. Configure the User Access with the appropriate security level. Customer System Administrators, or CSAs, are granted administrator permissions to the business’s Online Banking profile. They can add new users, reset passwords, change user entitlements, or even delete user profiles. Approvers allow the user to approve activity initiated by other business users. Note: This option is only available when the business is enrolled in Dual Authorization, which is detailed in the Dual Authorization section below.

2. Lastly, configure the type of access for the new user.


Custom User Access

Custom access designates the specific accounts the new user may have access to, and what he or she is able to see and do in Business Online Banking. There are two levels of customized access that can be configured by a CSA.

1. The first level is configured by selecting the accounts that the user should have access to.

If Entitle user for Transfer to Friend is selected, then the new user will be able to view and make transfers to the current and future Transfer to Friend accounts for the business.

2. The business accounts are also listed. Assign an access level to each, as well as Daily Limits and Transaction Limits, both of which cannot exceed the standard bank limits.

If the new user is granted custom access on any of these accounts, the CSA will configure the specific account services for each account on the next page.

3. Click Save and Continue


Custom Account Entitlements

The second level of custom entitlements is configuring the access to different account services for each account. Access can be granted to services under information reporting, payments, templates, and other services.

1. Select which services the user should have access to for each account.

Use the arrows on the right to expand or collapse the different accounts selected for custom access.

2. When all desired services are selected, click Save and Continue.

The customized user is now added to the business profile!


Dual Authorization Dual Authorization is an optional service that enables a company to require TWO business users to make changes to make entitlement changes or to approve certain transactions initiated by another user. One business user must make the request and another designated Approver must approve the request. An example is included below to demonstrate how to approve changes made to a user profile. (Note: the following only applies to clients with enrolled in Dual Authorization. To enroll, please contact Customer Support or go into a branch to complete an Online Banking Addendum for this service)

If Dual Authorization is enabled for a business, transactions submitted over the authorized amount or changes made to user entitlements requires approval by another user who is designated as an Approver.

An email and/or Info Center alert is sent to an Approver to notify them of any outstanding approvals.

The Approver can click on the link within the Info Center to begin approving the activity.

From the Admin tab, CSAs can view the users who are designated as an Approver. The business owner, Mike, added and customized a new user profile for his accountant. Since he cannot approve his own activity, Alice, who is designated as another approver can now approve Mike’s changes by clicking on the Approval Required link under Approval Status.

The Approver reviews the information and User Access. They have the option to write a memo to the user who originated the request and can either Reject or Approve the change. A message is sent to the originator’s Web Inbox confirming the rejection or approval.


Other Services The Services menu provides you with other online services that are convenient, that save time, and that can be done right within Business Online Banking. There’s a variety of online service options available to you.

Request a Copy of a Check, Deposit, Withdrawal, or Statement

Occasionally you may need to order a copy of a check or a withdrawal slip.

Simply fill in the details, submit the request, and the bank will send the item through the mail. It’s just as easy to request copies of other items.

Keep in mind that you still have the option of viewing copies of checks and transaction slips in your online transaction history or even in your eStatements.

Request Stop Payments

You can also make online requests to stop payment on certain types of checks.

Simply fill in the details, submit the request, and the bank will begin processing the stop payment.

Online requests to place stop payments can take one full business day to take effect.


Enhanced Account Protection

Enhanced Account Protection, or EAP, is a mobile-based transaction authentication service that adds an additional layer of security to help protect your business from fraudulent transactions. If you are enrolled in EAP, certain online activity will require authentication via SMS text messages before the request can be completed.

1. When online activity requires EAP, your business user presented with a page where you must successfully enter the correct PIN and SMS token code before the online request can be completed.

The PIN is defined by the business user when they enroll in Enhanced Account Protection.

2. The token code is system-generated and is sent to the business user’s mobile device as a text message, along with the transaction information or activity being requested.

This unique token code is only valid for one transaction at a time and expires after 8 minutes.

The business user can also become locked if there are too many unsuccessful validation attempts.


Contact Us Ready When You Are. Banking at National Bank of Arizona. At National Bank of Arizona, we understand the importance of providing access to your financial information when you need it. And we want to be there when you’d like to speak to a real, live person as well. To contact a NB|AZ Bank representative by phone (Monday – Saturday from 8 am – 8 pm MT) please call 1.800.497.8168.

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