Online Banking Guide 3.6 - Liberty Online

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Online Banking Guide 3.6 

——— INDEX ——— 

Page Page 

Logging onto Online Banking Logging out of Online Banking 

First time access 4 Ending your session 31 

Login ID 5 

Security Code 6 

Enhanced Authentication Enrollment 7 

Overview tab Bill Payment 

Account balances 10 Payment Center 21 

Quick, Scheduled transfers 10 Managing your payment recipients 22 

Alerts and Notices 10 Adding a payment recipient 23 

Scheduled Transfers 10 Signing out of Bill Payment 25 

Account Access tab Self Service tab 

Account summary 14 Send and receive secure e-mail 26 

Quick transfer 14 Set alerts 26 

Account transaction history 15 Update personal information, screen 26 

Export to Quicken, QuickBooks, 16 preferences 

and Money Rename accounts 27 

Name export files 19 Security Information, Security Code 29 

Transfer funds to other accounts, 20 change 

including loans 

RTN Federal Credit Union Page 1

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IMPORTANT NOTES TO CONSIDER 

If you experience difficulty accomplishing some tasks (downloading 

pages, viewing checks, etc.) with the new RTN Online Banking program, 

we suggest you try another supported Internet browsing program (Internet 

Explorer, Firefox, and/or Safari). 

Please use the link on the Credit Union’s home page (www.rtn.org) to 

access your account via Online Banking. 

All Bill Payment vendors and scheduled bill payments established prior 

to August 23, 2010, will be transferred to the new Online Banking 

program effective on August 26, 2010. 

All scheduled Bill Payment payments for August 24, 25 and 26 

established prior to August 23 were made on the appropriate date. 

All established recurring transfers — established by the member via 

Online Banking — from one RTN FCU account to another RTN FCU 

account ceased on Tuesday evening, August 24. (See the next point, 

please.) 

All recurring transfers — established by the member via Online 

Banking — from one RTN FCU account to another RTN FCU account, 

for example, a repetitive transfer from your Main Share account to your 

Checking or Home Equity loan, were not be transferred to the new 

Online Banking system. Please recreate these scheduled transfers by 

visiting the Overview or Account Access tabs. We apologize for this 

inconvenience. 

All established recurring transfers created by Credit Union staff on 

behalf of the members were unaffected. 

If your recurring cross-account transfer or Bill Payment is scheduled to 

occur on a non-business day, your transfer payment will take place on 

the business day PRIOR to the scheduled date in order to insure 

timeliness of the transfer or payment. 

The longest period you may schedule an account-to-account transfer is 

10 years. 

A notice will be sent just prior to your last scheduled transfer. 

SoundBytes 

Visit www.rtn.org for the link to 

the new Online Banking 

platform 

Please wait for each screen to 

fully download before clicking 

on a link. 

Reset your Security Code, 

image and challenge questions 

as soon as possible. If you do 

not reset your Security Code 

on your first visit, you will be 

prompted to do so upon your 

next login. 

Review your Scheduled 

Transfers to insure they 

continue properly 

Re-establish cross-account 

transfers and loan payments 

as needed 

To insure timely payment, 

scheduled transfers and 

pending Bill Payment items are 

processed on the business day 

prior to the scheduled day if 

this date is a non-business day 

for the Credit Union. 

Your Bill Payment history prior 

to August 25, 2010, is found in 

your checking account. 

In some instances, the first bill 

after August 25 may initially be 

paid by check while the new 

Bill Payment system 

reestablishes electronic 

payment. 


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The cut-off time for scheduled transfers is 2:00 pm EST. Transactions submitted after this time will be 

processed on the next business day. 

Historical transactions on your accounts will be available on the new Online Banking program. Please refer to 

your Checking account for historical bill payment activity. 

If you have bookmarked or saved the login screen as a favorite, please save the new link to access the new 

Online Banking system. You will not need to log into the old site to retrieve account information or conduct 

transactions. 

Bill Payment notes 

Established vendors and scheduled payments prior to August 23 migrated to the new system. 

In some instances, the first bill after August 25 may initially be paid by check while the new Bill Payment 

system reestablishes electronic payment. In these instances, the payment is reflected in your Bill Payment 

activity, however, the checking account is not debited until the check clears. If you have questions on whether a 

paper check was issued, please contact Member Services (below). 

The cut-off time for daily processing is 5:00 pm. 

In some cased, payments made to others, for example, an individual or small business, are made via paper 

check. For repetitive fixed amount transfers, we are happy to set up an automated transfer of funds from the 

Credit Union to another receiving point via our ACH Origination program. There is no charge for this service. 

The form is available on the Forms/Applications link on www.rtn.org. 

If you have any questions, please contact 

Member Services via any of these means: 

1-800-338-0221, ext. 9829 

(781) 736-9829 

RayComNet 666-9829 

info@rtn.org 


LOGGING IN 

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Visit the Credit Union’s web page at www.rtn.org to access the Online Banking link. 


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LOGIN ID 

Enter your Logon ID. Your Logon ID is your member number with the Credit Union. 


SECURITY CODE 

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New Online Banking System, New Security Precautions 

In order to protect your personal information, we ask that you ‘start clean’ and create new security 

information. 

The first time you log into Online Banking on or after August 26, your default Security Code is xxxx 

followed by the last four digits of your Social Security Number, for example ‘xxxx1234’ or 

‘XXXX9876’ (without the commas). You will be prompted to change your security phrase, Passmark 

image and challenge questions at the time of the first login. Please change your Security Code by 

clicking on the Self Service tab. If you do not change it on your first visit, you will be prompted to do 

so at the time of your next login. 


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Step one of the Enhanced Authentication Enrollment: Your security phrase and image. Click on 

Change image to change. 


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Step two of the Enhanced Authentication Enrollment: Establishing your security questions. 


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Step three of the Enhanced Authentication Enrollment: Changing your security code. 

If you have not changed the Security Code at the time of your first login (available under the Self 

Service tab), you will be prompted to upon your second login. Remember the format of your default 

initial security code, xxxx followed by the last four digits of your Social Security Number, for example, 

xxxx9875.) 

Ongoing logins 

Once you have chosen a new Passmark image and chosen new security questions after the update, 

verify the Passmark image displayed on the screen is yours and enter your Security code. 


OVERVIEW TAB 

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The Overview screen provides a summary of your account (up to five accounts), including others that 

you are listed on. This expanded listing is new in the software version. As a security precaution, your 

account number is partially hidden on this screen. 

PLEASE NOTE: A difference between the “Actual” and the “Available” balances reflects the 

minimum balance required for the account as well as any funds availability hold(s) placed on deposits 

made into the account and pending debit account transactions. 


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You may also transfer to and from this account to others you are linked to — including making loan 

payments — by using the Quick Transfer box. 

You may also view and set up Alerts and Notices as well as manage Scheduled Transfers on this page. 


Funds transfer example 

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Funds withdrawn from Main Share account to make a payment on credit line 

Source account: Main Share #1 

Destination account: Credit Line (Type #143) 


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You will receive a Confirmation Number for your transaction 


ACCOUNT ACCESS TAB 

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The Account Access tab provides access to every account you have with the Credit Union across 

multiple (if applicable) memberships. 

Clicking on an account number on the Account Access screen provides transaction detail. 


Transaction history screen 

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Click the More button on the bottom of the screen to expand the displayed time frames. 


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Exporting data to personal finance software (Quicken, etc.) 

Choose the account you want to export data from 

Click on the Export button on the right side of the main box to export to financial software such as 

Quicken and Microsoft Money. 


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Check the box of the transactions you want to accept and click of appropriate format box on bottom of screen. 

This example is for Quicken. 

Choose Open with Quicken Quick Launcher (default) to activate quicken software 


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Data is then imported into Quicken for acceptance by the user. 


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Rename an account 

Clicking on Account Details in the Additional Account Info section allows you to customize each name 

for your account by clicking on Nickname and/or Register Export Name. This can also be completed in 

the Self Service tab. 

Account renaming example 

Account listing after being renamed 


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Transfer Funds screen 

Choose the Immediate pane to make an immediate transfer. Select the Scheduled tab to establish future 

transfers or set up a recurring transfer. 


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BILL PAYMENT TAB 

The Bill Payment tab provides access to the bill payment module. The Bill Payment module opens in a 

new browser window. 


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Click on the View Demo familiarize yourself with the bill payment system. 

The Payment Center is the main screen to managing existing vendor payments and establishing new 

vendors. 


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Click on Add a Bill to establish a payment recipient. 

Your Bill History inside Bill Payment will commence starting with bills paid starting on August 26. 


Payment recipient set-up screens 

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SIGNING OUT OF BILL PAYMENT 

To exit Bill Payment, please click on ‘Sign out.’ The browser window will close and you will return to 

the main Online Banking screen. 


SELF SERVICE TAB 

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The Self Service tab provides many opportunities for you to manage your account, including sending 

the Credit Union a secure message and managing the security settings on your account. 

The Preferences tab allows you to determine which five accounts to be displayed on the Overview tab 

upon logging in. 

Example of prioritizing the displayed accounts upon logging onto the system. 


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To change the name on an account, click on the Accounts List. 

Click on the account number 


Fill in the appropriate field(s) and click on OK. 

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To change your security ID, Passmark image, challenge questions or security phrase, click on the 

Security Information link on the Self Service tab. 

Example of changing the Challenge Questions associated with your account. 


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Click on the Change Security Code link to change your Security Code. Please use a code you have not 

used in the past and one that includes at least two alphabetic and two numeric characters. 


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You will receive an e-mail confirmation upon changing your Security Code. Please contact us 

immediately if you were unable to or have not authorized this change. 

Click on Exit on any screen to exit Online Banking.

Online Banking Guide 3.6 - Liberty Online

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