2. E-Banking is the use of electronic means to conduct banking business, such as telephone, Internet, cell phone, or other device by way of secure internet connection. Products may include: Internet Banking Online Bill Pay Mobile Banking Phone Banking E-statements Debit Cards

3. Speed Accessibility Electronic Documentation Time Savers Customer Satisfaction Location of Customer

4. Convenience to the Customer Low Cost Banking Time efficiency Ability to pull historical info any time Ability to transfer funds any time, any where

5. Decreases chances of Mail Fraud Decreases personal information Fraud Decreases chances of Check Fraud Removes trips to ATM’s for transfers and balance inquiries Note: All personal internet connections and computers must be secure with Passwords and Anti-Virus to assist in decreasing fraud electronically

6. “Since Checks contain both the routing information for the bank and the account number, one check is all a criminal needs to create a fraudulent instrument”

7. “The Check can be lifted during a car or home burglary or by less scrupulous employees of companies contracted by victims. Sometimes, a check will be stolen from the middle of the book in hopes that it won’t be noticed or flagged immediately.”

8. View account balances and history See check images Make Transfers between accounts and banks Use Debit Cards View Statements electronically View Notices electronically Pay Bills or a person any time Set up Bills to be paid automatically

10. Make Loan payments Download History to Checkbook software Inquire on Balances Set Financial and Budgeting goals Set alerts of balances, items, or amount info Make Account 2 Account Transfers Make Bank 2 Bank Transfers Download Statement information

11. Pay Bills one time Pay Bills reoccurring automatically View paying history Bill invoices can be set up electronically to show in Online Bill Pay PopMoney Set up payment reminders

12. Same login as Internet Banking View balances and transactions Make One Time Transfers View Check images Link to Bill Pay Mobile

13. Inquire on Balances Transaction history for Withdrawals and deposits Make One Time Transfers

14. View Current and Past Statements Electronically View Current and Past Notices Electronically Ability to Download and Print Complete an Electronic Reconciliation Search for Checks or Item wording in Past statements

15. Real Time transactions Easy pay process at merchant Fast Internet purchases Replaces paper check use PIN based Security Replaces Cash usage

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