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MemberDirect

Small Business October 16, 2019

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Table of Contents LOGGING IN TO KAWARTHA ONLINE BANKING ........................................................................................................................ 4

OVERVIEW OF HOME PAGE ......................................................................................................................................................... 8

ADDING/LINKING PROFILES ......................................................................................................................................................... 9

ADDING DELEGATES .................................................................................................................................................................. 13

DELEGATE MAINTENANCE ......................................................................................................................................................... 16

PENDING APPROVALS – AUTHORIZATION REQUIRED ........................................................................................................... 17

CRA FILING AND PAYMENTS...................................................................................................................................................... 18

TRANSFERS BETWEEN ACCOUNTS .......................................................................................................................................... 20

MESSAGES AND ALERTS ........................................................................................................................................................... 21

MAINTAINING YOUR PROFILE AND PREFERENCES ................................................................................................................ 26

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BEFORE YOU BEGIN – QUICK TIPS!

o When logging in for the first time, you will need to go to the full Kawartha Credit Union site (www.kawarthacu.com) in order to review and agree to the Terms and Conditions for use of online banking (rather than via the mobile app or mobile website)

o The Login ID number is your full MemberCard number or the full number (PAN) provided by the branch (for those without a physical card)

o The Access Code (password) field is case sensitive – please ensure you are using UPPER and/or lower-case letters (and numbers, characters) accurately

o If you are unsuccessful with logging in more than 3 times, the system will lock you out for security reasons. Please call our Contact Centre at 1-855-670-0510 for assistance with re-setting your login attempts.

o For linked profiles, if you (as an Authorized User) have updated your password on your other profiles, you will also need to update these passwords where they have been linked

o E-transfers: Must be sent from each separate online banking profile. This assists with spreading out overall daily, weekly and month e-transfer limits.

o Messages and Alerts are a great way to keep informed of account activity. We highly recommend setting these up for yourself (instructions found within this document).

o Lost/Cancelled Debit Cards: In the event that you report your physical debit card (MemberCard) lost, KCU staff will immediately cancel the card to prevent anyone from potentially accessing your accounts. Please note that online banking will also be inactivated until a new debit card is issued.

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LOGGING IN TO KAWARTHA ONLINE BANKING

Access the link for online banking at https://www.kawarthacu.com/

Enter Login ID and temporary password (Access Code (PAC)) Click Login

Please note: The new Access Code (PAC) will be: o minimum length of 8 and a maximum length of 30 o a minimum combination of:

✓ one upper case letter ✓ one lower case letter ✓ one number ✓ one of the following special characters: $ - | !

No other special characters can be used.

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Once logged in, review the Introduction and click on Continue

At the next screen, review the Disclaimer and click on Continue

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Review the Login Access Agreement

• Enter your temporary password

(Access Code (PAC)) and click

either I Agree or I do not Agree

(Note: Access will not be granted if

I Do Not Agree is selected)

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• Enter the temporary password (Current Access Code),

• Create a New Access Code (which is not to be shared),

• Re-enter the new access code

• Click Submit – you will receive a Successful message, confirming that the new Access Code was accepted

Please note: The new Access Code (PAC) will be: o minimum length of 8 and a maximum length of 30 o a minimum combination of:

✓ one upper case letter ✓ one lower case letter ✓ one number ✓ one of the following special characters: $ - | ! No other special characters can be used.

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OVERVIEW OF HOME PAGE

At the home screen view, you will see the following:

• Account Summary

• Scheduled Bill Payments and Transfers

• Stopped Cheques (if any)

• Notifications (pending transactions requiring approval, messages from Kawartha, etc.)

You can also View e-Statements and View Account Activity under the My Accounts side tab

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ADDING/LINKING PROFILES

MemberDirect Small Business (MDSB) allows you to link up to 3 additional profiles. These can be either Businesses OR Personal profiles within Kawartha Credit Union. To link additional profiles, follow the steps below.

Step 1 - Select Business Services

Step 2 – Select Manage Consolidated Accounts from expanded menu

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Step 3 - Click Consolidate Account heading. (Note: Numbers beside heading indicate number of

profiles which are currently linked e.g. 0/3)

Step 4 - Enter your Login ID number and Access Code (password) for the profile you wish to link. Click Submit

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Step 5 – Verify that the details entered are correct. Click Confirm.

A Consolidate Account – Receipt message will display, confirming the linking is now completed

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Note: New consolidated accounts are not automatically shared with delegates. You will need to enable sharing for each of your

delegates, as applicable.

This is an example of how your home page might look with the additional profiles linked. You will be able to see all scheduled bill

payments, scheduled/pending transfers, etc. at a glance.

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ADDING DELEGATES

As an Authorized User, you have the ability to add up to 3 delegates

Step 1 – Under the Business Services tab,

click on Add/Modify Delegates

Step 2 – Complete all required (*) details in the Add

Delegate area and click Submit at bottom of screen

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Step 3 - Check the box beside ‘Share accounts under this MemberCard’ to allow delegate to access the specific profile(s).

Step 4 – An Add Delegate – Confirm message will display. Click on Submit to process.

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An Add Delegate – Receipt message will display, confirming the Delegate has been successfully added.

Note: An automatic email will be sent to the Delegate with their login information.

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DELEGATE MAINTENANCE

On this screen, the Authorized User who set up the Delegate(s) can perform maintenance, such as:

o Edit – This option is used for Password (Access Code) resets, to adjust visible accounts, adjust whether profile(s) are set to

View Only or Initiator (meaning they can initiate transactions), update personal information of the delegate, etc.

o Delete – This option will fully remove Delegate access to the profile In addition, this screen shows how many Delegates are currently added (e.g. 1/3)

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PENDING APPROVALS – AUTHORIZATION REQUIRED

In some cases, you may be required to approve transactions (e.g. Delegate with Initiator access who has created a transaction or on 2-to-sign accounts). Follow these steps to approve or reject the transaction.

Step 1 - At your Home screen, click on any Transactions require your approval under Notifications

Step 2 – Review the details of the transaction. Click Approve to finalize the transaction or Reject to decline and cancel the transaction.

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CRA FILING AND PAYMENTS

In order to file or remit payments to the CRA, follow these steps:

Step 1 - Select the Pay Business Taxes option under the Payments tab.

Step 2 – Select desired CRA remittance type (e.g. Payroll and Source Deduction – Current Year)

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Step 3 – Enter your CRA business number and click Add Account

Note: Once the CRA business number has been added, this information will be saved for future remittances

Step 4 – At the prompt, enter payment amount and date to be paid. Confirm details are correct and process payment.

A confirmation message will display.

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TRANSFERS BETWEEN ACCOUNTS

In order to transfer funds between linked accounts – either immediate, scheduled (for a future date) or recurring (e.g. monthly) -

select the Transfers side tab.

Step 1 – Select Account to Transfer From

• Transfer from: Select desired account from dropdown menu

• Transfer Amount: Enter the dollar amount

• Schedule Transfer: Select applicable radio button

• Transfer to: Select My own account radio button (always)

• Click Continue

Step 2 – Select Account to Transfer To

• A Transfer To field will enable – select the desired account from dropdown menu

• Click Continue

• Finalize the transfer instructions A confirmation message will display.

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MESSAGES AND ALERTS

This functionality is a great tool for keeping you up-to-date on selected activity related to your business account(s) - pending

transactions, security information (e.g. login attempts), etc. You can also nickname your business accounts, if you wish, to help keep

them straight.

Step 1 - Select Messages & Alerts > Manage Alert Contacts and Mobile Nicknames from left-side menu

• When the screen opens, click on Get Started Today

You will be prompted with an Alerts Agreement page. Please review the agreement and click I Accept to enable and allow alerts. If

you click I do not accept, you will be unable to continue with this setup.

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Once you select I accept, the following Add Alert Contact(s) screen will open. This is where you will enter your personal contact

information (email and/or mobile phone) for receiving notification alerts.

• Email Address: Enter your personal email address, if applicable. Confirm email again in next field.

• Mobile Phone Number: Enter your personal cell phone number, if applicable.

• Carrier: For mobile phone number, select the applicable provider from the drop-down menu.

• Click Continue

➢ If an email address was provided, you will receive a confirmation email to that address.

➢ If a mobile phone number was entered, a Passcode will be sent to your phone which needs to be entered, as a further security measure. Enter the Passcode and click Continue to proceed.

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Once confirmed, you will return to the alert you originally selected to continue with the setup (e.g. Online Banking Account Locked Out – Incorrect response to Security Question).

• Under each alert heading, check how you would prefer to receive the alert message (email and/or text, where both have been provided)

• Click Submit

• After clicking Submit, a confirmation message will display:

Continue selecting additional security alerts for set-up, as needed. Under each section, select the Add button to proceed to the

setup screen for that alert (partial screen shot, below).

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From there, you can select Manage Alerts to edit your personal contact information and/or to create Mobile Nicknames for your

account(s), if you wish.

• To manage Account Nicknames, click Edit Nicknames

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• Each current account name field will ‘enable’ which will allow you to edit the information.

• After nicknaming any accounts you wish, click Submit to save.

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MAINTAINING YOUR PROFILE AND PREFERENCES

In order to maintain your personal Authorized User information, select the Profile and Preferences side-tab to access the

available options.

i. Change Contact Information: Click on this heading if you wish to update your address, phone number or other personal information.

ii. Change Personal Access Code: This option is used to change your login Access Code (PAC). Do not share this information with anyone else.

iii. Change Security Questions: If security questions are a part of your login process, click on this heading to view and edit the questions.

iv. Memorize my Login Information: If you wish to save

your Login number, rather than having to manually enter it in each time, select this option. (Note: this will NOT save your Access Code (PAC) information)

v. Session History: You can click on this heading before

logging out in order to view all session history and transactions, if you wish.