HomeBr@nching members will find the new HomeBr@nching / BillP@y package robust and more advanced than the system they have always known. In order to make the transition into this new product as smooth and convenient as possible, we're providing detailed information for you to reference:

• Log In
• Set Up
• Maintenance

To alleviate unwanted frustration, we recommend maximizing each page and scrolling to the bottom of each page to ensure that you're aware of all the information provided.

Your USER ID is your account number as it appears on your statement. Do not add numbers before or after your account number. Your password is the last four digits of your Social Security number. You will be prompted immediately to change your password. The Credit Union WILL NOT be able to access your new password.

The first thing you will see when you sign in is the Alert Center. If you have an alert, you may delete it after reading it by marking it and pressing Mark as Read. Alerts are important messages produced and initiated by the Credit Union.

SET UP

Continuing now will allow you to set up your account. You will find a menu of items including:

• Personal Finance Ceneter
• BillPayer
• Loans
• E-documents
• Account Services
• Preferences

PERSONAL FINANCE CENTER

The Personal Finance Center offers 2 options:

1. The account summary simply gives a "snap shot" look at your account as well as the ability to review account history, check clearings and even provides detailed information including tax information, etc.
2. The Transfer option allows you to set up a single or recurring transfers, choose the "to" and "from" accounts and set a specific number of times or an ending date for the transfer.

BILLPAYER

The next menu item is BillPayer. This new BillPay Service is simple to use so setting it up is a snap.

Click on Enroll Billpayer. You are provided a list of suffixes to choose from. This is the account you want your bills to be paid from. If you only have one checking account there will only be one choice. If you have several checking accounts, you must choose the account you wish to use. Choose the account and enroll. You will scroll through basic BillPay disclosures. Please read these carefully. After accepting the terms, you should read a message letting you know that your suffix was successfully enrolled.

It's now time to add your payees. You may choose 1 of 2 ways to input your information:

1. Choose add payee. A box will appear prompting you to add information pertaining to the payee. This information may be obtained through your copied records and on the front of each bill.
2. Choose find a payee. This option allows you to provide the name of a specific payee at which time you may be provided a list of payees matching that information. Using the address on your bill, match the two.

Payments should be made 3 days prior for electronic transmission and no less than 5 days prior for check transmission in order for the payment to be received by the payee in a timely manner.

Payments may be modified if processing for BillP@y has not been completed. Simply click on pending payments. If the payment has been paid, it won't appear in the pending payment list. If it has not been paid, you will be able to make modifications.

QuickPay allows members to view all payees they have marked as QuickPay in BillP@y at one time AND setup payment on these payees without having to access each payee individually.

Payment History allows you to see payments paid by range of date.

Canceling BillP@y may be done by choosing the Cancel BillPayer icon and choosing the Cancel Enrollment button.

All BillP@y menu options are located at the top of the BillP@y page.

LOANS

The Loans option offers members 3 menu items:

1. Loan application allows members to apply for a loan via HomeBr@nching. Members can continue to expect a response within a timely manner.
2. Loan Calculator allows you to approximate payments based on information provided by you. Loan Calculator will prompt you through the information required and show payment options that include all possible credit life/disability insurance additions.
3. Last, loan status allows you to monitor the progress of your loan request.

E-DOCUMENTS

After choosing this prompt, members will have the option of signing up for E-statements. There will be an E-statement, paper-statement drop down for the member to choose from. Members that choose E-statement will no longer receive a paper-statement. Procedures for canceling E-Statement remain the same. Members must send written authorization (e-mail acceptable) to the HomeBr@nching coordinator asking that E-Statement be cancelled. The E-documents option offers members 2 menu items:

1. View e statements. The view e-statement prompt offers members a drop down of dates, upon building history, that they may choose from. If there is no history provided during certain periods, this will be reflected through a message located at the bottom of the page.
2. View e checks. Choose the checking account suffix you wish to use and input the check number you are searching. A front and back image of the check will appear in a printable format.

The Account Services Option offers members 2 menu items:

1. Overdraft Protection. The first thing you will see after choosing this option is an account number or a series of account numbers eligible TO RECEIVE overdraft protection. After choosing an account, you will be taken to a drop down box allowing you to choose the account or accounts, in order, that will transfer funds as means of overdraft protection.
2. Recurring Transfers. Recurring Transfers allow you to choose account from and account to transfers on a one-time or recurring basis. Recurring transfers set up by a Credit Union employee MAY NOT be altered or stopped through recurring transfers; however, a member may add an additional recurring transfer to an existing Credit Union set transfer to pay additional funds to the account.

The Preferences option allows you to have up-to-date account information emailed to you and provided through the Elerts and E messaging system on HomeBr@nching. Both are brand new, state-of-the-art options available to YOUR Federal Credit Union Members. Setting yourself up on E-messaging and Elerts is simple. First, let's begin with the menu of options you will see when you choose Preferences.

1. Change Password. Changing your HomeBr@nching password is as simple as linking onto to Change Password. You will be asked to provide your current password as well as the new password you want. You will then be asked to confirm the new password.
2. Change E-mail. Changing e-mail allows you to update or change your current email address. Providing this information is very important so that the Credit Union can send you updated information.
3. E-mail Services. Within E-Mail Services, you'll find 3 sub categories including My e-mail subscriptions, My personal e-lerts and E-mail services preferences.
   • My E-mail Subscriptions. With this service, members are sent a predetermined list of e-messages pertaining to specific account events, when those events occur, as well as events the member may choose from in a menu to have e-mailed to them. Simply prompt each request by clicking on yes. At the bottom of the page, you'll find a predetermined list. These Emails will be sent to you automatically. Select submit after you have confirmed your choices and you have e-messaging set up. A Set up personal e-lerts promt will appear.
   • Set up Personal E-lerts. After choosing Set up personal e-lerts, you will come to a page that has an add e-lerts promt. Choosing this will bring you to a page of optional e-lerts. You may choose, and set up e-lerts one at a time. After choosing the e-lert you wish to add, you will need to provide the information that HomeBranching will ask for. Hit continue to add more e-lerts.
   • The last menu selection under E-mail Services is E-mail Services Preferences. You choose whether you want to receive text messages only, or you may choose HTML allowing both text and picture.
4. Account Nicknames. Account nicknames allows you to "rename" your accounts on HomeBr@nching. After you have given your account a nickname, choose the default button.
5. Contact Information. This prompt allows you to update contact information that you provided in the initial HomeBr@nching/BillP@y set up.
6. Multiple Accounts. Accessing multiple accounts is ONLY possible with permission from the "other" party and if you know the user I.D. and password of the "other" account. By allowing someone cross access to your account you are allowing them full control on your HomeBr@nching account. Click here for more information on multiple accounts.

   CONTACT INFORMATION

   The contact information is the Credit Union's phone number (214-574-2000), e-mail address (info@yourfederalcu.com) and phone numbers for members to call to activate a Debit Card , report a stolen/lost Debit Card or report a stolen/lost MasterCard.

   
   Click here to continue to the HomeBr@nching login page.