DIGITAL ANKING QUI K REFEREN E GUIDE

DIGITAL BANKING QUICK REFERENCE GUIDE

First National Bank Texas & First Convenience Bank is committed to providing the best in products and services to our

customers. With this in mind, we are upgrading our technology that allows you to access your accounts online and via a

mobile app in a major way.

You may be asking, why is this change happening? This is happening because of you, our customers. Our customers have

been asking us through a series of surveys and in app reviews to make improvements to our online and mobile services.

We listened, the feedback and opinion of our customers is important to us and drives what we do every day!

Most changes will occur internally at the bank. However, during our conversion period there will be some disruptions to

the system and the services we currently provide. This document has been created to help make the transition as

smooth as possible and to cover what we hope would be any and all questions that you may have during this process.

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When will the change take place? (Go Live Dates)

What will I need to log in?

Why can¡¯t I just log in using my old username/password?

Will I need to download a new application for mobile banking?

How will a Commercial Administrator log in?

If I get paid when Online Banking or Mobile Banking is down; will I still have access to my funds?

Will I be able to call or come in to the Bank during the online/mobile outage?

I have transfers and bill payments that I scheduled prior to this change. Do I need to be concerned about those?

Do I have to log in Online before I can access the Mobile App?

What are the features and benefits of the New Digital Banking Platform?

What is going away?

What new features should I enable or set up to optimize Digital Banking?

Will I need to re-setup recipients for Intra Bank Transfers?

Where can I find my Routing Number and Account Number?

What happens if I sent money via People Pay and the recipient did not claim it?

Will I be able to view recent transactions, pay bills and set reminders with the new Digital Banking and Bill Pay

system?

What if I never registered for Online Banking, how do I sign up?

What Web Browsers are supported?

I cannot get the app to work on my mobile phone, is it not compatible?

How do I view my statements?

Will I still be able to pay bills online?

Is Bill Pay information converting with Digital Banking, or do I have to re-enter all of my information?

Who can I pay using Bill Pay?

Can I pay any bill through Bill Pay?

What is the Bill Pay Processing time?

Will I still be able to make Loan Payments?

Can I block card transactions if I lose my Debit Mastercard?

What do I need to know about Mobile Check Deposit?

How can I make a transfer on the new Digital Banking Platform?

Zelle? Frequently Asked Questions

When will the change take place? (Go Live Dates)

We will begin the upgrade on Sunday, May 3rd at 6:00 p.m. (CT). We expect the system to be unavailable

until 8:00 a.m. Monday, May 4th (CT). During this upgrade process the system will not be available.

The New Digital Banking Platform will be LIVE and available for use starting at 8:00 a.m. (CT) Monday, May 4,

2020.

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What will I need to log in?

You will need your username and will have to obtain a new temporary password to access our new system.

Additional instructions and information will be provided on our website visit us at digital.

Website: You will need to login as normal and follow the system prompts to receive a temporary password via

SMS text or via Email.

Mobile App: Customers that want to access our Mobile App will text the word ¡°password¡± to 62161 to receive

a temporary password and links to our mobile application.

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Why can¡¯t I just log in using my old username/password?

We are migrating to a completely new system and we will have to ask you to create a new password. You can

use either of the methods below to obtain a temporary password.

Website: You will need to login as normal and follow the system prompts to receive a temporary password via

SMS text or via Email.

Mobile App: Customers that want to access our Mobile App will text the word ¡°password¡± to 62161 to receive

a temporary password and links to our mobile application.

Once you have received a temporary password through our activation steps, you will be prompted to create a

permanent password. You can elect to use the same password you had before as long as it meets our new

requirements. Remember, we will also have a new mobile app and you will have to download the new one on

May 4th.

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Will I need to download a new application for mobile banking?

Yes. Customers are able to download the new application from either the App Store? or Google Play? store.

You can search for the bank using any of the following methods to locate our mobile application for easy

download; you can also go to digital to find direct links to our applications:

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First National Bank Texas

FNBT

First Convenience Bank

FCB

The bank mobile banking application will appear as shown below:

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How will a Commercial Administrator log in?

If you designated a Commercial Administrator on our Commercial Digital Banking Authorization Form, then

the Administrator that was selected by the account owner will be sent their login credentials on May 4th via

email.

The Administrator will use the Commercial Administrator login option on our home screen.

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If I get paid when Online Banking or Mobile Banking is down; will I still have access to my

funds?

Yes. First National Bank Texas & First Convenience Bank will operate as usual during the upgrade. Your

deposits will process like they always do. You can check your balance at any time through our IVR at no cost.

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Will I be able to call or come in to the Bank during the online/mobile outage?

The outage is planned to begin at 6:00 p.m. (CT) on Sunday, May 3rd. Our Call Center will open at 7:30 a.m.

(CT) on Monday, May 4th and you can check the bank website to see our bank operating hours.

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I have transfers and bill payments that I scheduled prior to this change. Do I need to be

concerned about those?

No. All transactions that were scheduled by you prior to 6:00 p.m. on Sunday, May 3rd will process as

scheduled.

All transactions initiated by any means other than online banking/mobile banking on the day(s) of the outage

will process normally.

The bank will have a period where new bill pay enrollments will be discontinued; this will start on Sunday, May

3rd and continue until our new system is available for use on Monday, May 4th.

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Do I have to log in Online before I can access the Mobile App?

No, our new solution will allow you to log in from any device once you have established your username and

password.

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What are the features and benefits of the New Digital Banking Platform?

You will experience the same solutions across every device and have access to what you need whether you

login using a laptop or use face ID to access the mobile app.

The Digital Banking solution is an all-in-one simplified platform where users will be able to:

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View all your accounts from multiple financial institutions.

See exactly where money is going with easy-to-read charts.

Create and track budget goals.

Gain greater control of your personal finances.

Take a quick peek at your most recent transactions

Schedule a one-time bill payment

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What is going away?

As we migrate to our new Digital Banking, the following features will be changing:

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We will have access to Zelle? on May 6th! As a result, People Pay will be going away.

You can continue to initiate transfers to accounts you own, and schedule recurring transfers; however,

the following transfer options on accounts you own will no longer be available:

o Bi-Monthly Transfers

o Custom Transfer Date

Future or recurring Intra-Bank transfers will no longer be available.

You will need to re-establish any external recipients you added for Intra-Bank transfers.

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What new features should I enable or set up to optimize Digital Banking?

Website:

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Texting and Alerts ¨C Text Banking and Alerts are conveniently located in the upper right hand corner

of the My Accounts screen.

Transfer Recipients ¨C You will need to establish any transfer recipients that have an account with the

bank that you routinely transfer funds to.

Card Controls ¨C Card Controls is a great way to view card transactions in real time and to turn your

card off if you suspect fraud. Access Card Controls from the Additional Services Menu.

Money Management & Outside Accounts ¨C These features are slick and can help you manage your

spending and set goals for the future. We recommend you add outside accounts from the My Account

screen and select Manage Money to take advantage of our budgeting tools.

Note: We recommend that you review your bill payments and any scheduled transfers, if you were an existing

online/mobile user on our system before May 4th, to ensure those payments and transfers are scheduled as

you designated prior to our enhancements.

Mobile App:

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Enable Your Phone for SMS Texting ¨C The first thing to do, once you have logged in to our new mobile

banking, is ensure your cell phone has been enabled for text. This is done by going to ¡°Settings,¡± select

¡°My Settings¡± and then go to the Login and Security section.

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TouchID and FaceID ¨C Go to the Settings on the mobile app to enable this feature. When you are on

the mobile app, in the login area of the app, swipe left/right to get to the login option you wish to use.

Quickbalance ¨C Enable quickbalance on the mobile app to allow you to access your balance without

having to login

Texting and Alerts ¨C Text Banking and Alerts are conveniently located in the upper right hand corner

of the My Accounts screen.

Transfer Recipients ¨C You will need to establish any transfer recipients that have an account with the

bank that you routinely transfer funds to.

Card Controls ¨C Card Controls is a great way to view card transactions in real time and to turn your

card off if you suspect fraud. Access Card Controls from the Additional Services Menu.

Note: We recommend that you review your bill payments and any scheduled transfers, if you were an existing

online/mobile user on our system before May 4th, to ensure those payments and transfers are scheduled as

you designated prior to our enhancements.

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Will I need to re-setup recipients for Intra Bank Transfers?

Yes. If you send money to other accountholders at First National Bank Texas & First Convenience Bank, you

will have to re-establish those recipients to receive money. The good news is that you can add these recipients

and send money online or via our mobile app.

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Where can I find my Routing Number and Account Number?

Click on the account you wish to access, then select Account Details on our website or Details on the mobile

app at the top of the Account History, this information is just below the account you selected.

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What happens if I sent money via People Pay and the recipient did not claim it?

Your recipient has until Sunday, May 3rd to claim the money that you sent to them. If they do not claim the

money prior to that date, you will need to send to them using another method.

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Will I be able to view recent transactions, pay bills and set reminders with the new Digital

Banking and Bill Pay system?

Yes. However, you will notice that the screens and menus are different and more user friendly.

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What if I never registered for Online Banking, how do I sign up?

You can register and get access to our Online/Mobile solution on our website or via the mobile app. Select

¡°Enroll Now¡± on our website or ¡°Sign Up¡± on our mobile app.

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