Find Help information by clicking on the corresponding link in the following table, or press Ctrl+F to find a specific term.

Accounts	Transfer Funds	Pay Bills
Account Summary Account Details Viewing/Printing Images of Checks- Deposit Slips Downloading Data Loan Payoff Information Manage Accounts Modify Nicknames Charting Reports	Transfer Funds Account to Account Loan Payments Mortgage Payments Pending Transfers Recurring Transfers Transfer History	Pay Bills Overview Multi-Pay Single Pay Merchant List Add a Merchant Modify a Merchant Delete a Merchant Recurring Payments Pending Payments History
Stop Payments	Other Services	Other Services continued
Stop Payments Inquiry Place a Stop	Personalization Preferences Password Personal Information Secret Question Customer Service Permission Marketing Information	Personalization continued Custom Categories Add a Category Assign a Category Edit a Category Delete a Category Notifications Support Reorder Checks

Accounts

Account Summary

The Account Summary page lists the balance information for each of your accounts and provides links to each account's detail page.

Account Details

You can view a detailed statement for each of your accounts by clicking on the account nickname link that is displayed on many ColeTaylor Online pages. The information displayed varies depending on the type of account selected. Note: After enrolling, your account detail will post within 24 hours.

Checking and Savings Account Details

The checking and savings account detail pages include balance information, deposits, interest, statement dates, credits, debits, and transaction details.

• View Today's Credits or Today’s Debits by clicking on the links in the bottom row of the Account Detail/Summary Information tables.
• In the Account History table, view transactions for a selected date range by entering dates from the calendar icons and clicking Go.
• View specific periods of time by selecting from the drop-down menu and clicking Go.
• Click the Edit Transactions button to assign categories to transactions.
• Click the Advanced Search button to search for transactions by type (such as by ATM/Debit Card, Debit, Credits and Checks), by date, by amount, and by check number.
• When viewing transaction lists, sort the list by date or category in ascending or descending order by clicking on the small arrow in the column heading.

Liabilities Account Details

The liabilities account detail pages show information such as available credit, balance information, payment information, and interest information.

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Viewing and Printing Images of Checks or Deposit Slips

ColeTaylor Online allows you to view and the front and back of individual checks and deposit slips that have debited or credited to your account.

• Go to Accounts | Account Summary. Under Account Nickname, click on the desired account name.
• Scroll down the Account History section. In the Check Number column, locate the desired check number or deposit entry.
• In the row of the desired check number or deposit slip, under the column heading Description, click on the word Check, which will be distinguished by color when there is an image available. Likewise, click on the word Deposit which will be distinguished by color when there is an image of a deposit slip available.
• The front image of the check or deposit slip will appear on screen. Options for viewing a check or deposit image include Zoom In; Zoom Out; View Front Only; View Back Only or View Both Sides.
• Images of checks or deposit slips onscreen can be printed by selecting Print Image.

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Downloading Data

ColeTaylor Online allows you to download data for use with QIF and Quicken WebConnect.

1. Go to Accounts | Account Summary. Find the desired account and click on the download link.
2. At the pop-up window, select From and To dates from the calendars, select the format from the drop-down, and then click Download.
3. Save the file where desired.

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Loan Payoff Information
For payoff information, please fax your request to the Loan Servicing Department at 847-653-7860 with the following information:

• Print Borrower full name(s)
• Last 4 digits of Social Security Number(s)
• Loan number
• Payoff Effective Date
• To whom payoff should be sent
• Their daytime phone and fax number
• Borrower(s) signature

Please note: Preparation of a payoff letter may incur a fee.

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Manage Accounts

The Manage Accounts page displays the online accounts that ColeTaylor Online manages. The accounts listed on this page represent those on your Account Summary page. From the Manage Accounts page, you can change the nickname for an account and identify it as a tax account.

Modify Nicknames and Tax Status

When you add an online account, you must give the account a nickname, such as "My Checking." Clicking on the nickname of an account takes you to the Account Details page for the selected account. Once assigned, you are able to modify the nicknames and/or tax status for your own personal use.

1. Go to Accounts | Manage Accounts | View/Modify.
2. Click on the pencil icon for the account you want to change.
3. Make the necessary changes and click Continue.
4. Click Continue again to verify the change, and again to return to the Manage Accounts page.

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Charting

ColeTaylor Online offers many chart options for viewing graphical presentations of account information. Go to Accounts | Charting to select a chart for display. You can also view charts from the account details pages by clicking on the Chart button. To print a chart, use your browser’s Print function. The charts that are available are:

• Portfolio Mix
• Net Worth (1yr)
• Net Worth (2yr)
• Account Balance (1yr)
• Account Balance (2yr)

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Reports

ColeTaylor Online reports are accessed by going to Accounts | Reports. The following reports are available:

• Net Worth
  The net worth report appears by default when you select the Report tab. It shows the total for all your accounts at ColeTaylor. From here, you can click on an account nickname to view details.

• Categories
  Click the Categories tab to run a report by category. Check the categories you want to include in the report and the transaction date range. Click the Refresh button to refresh the screen with the latest available data from your account. Then click Run Report.

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Transfer Funds

Transfer Funds

Use the transfer funds feature to transfer funds between accounts and to make payments on your loans and mortgage.

Account to Account

To transfer funds from one account to another:

1. Go to Transfer Funds.
2. Choose the From and To Accounts.
3. Enter the transfer amount.
4. Select the transfer date from the calendar.
5. Click Transfer.
6. At the verification screen, click Continue.

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Loan Payments

Making a payment to your ColeTaylor loan account is done at the Transfer Funds page because you are transferring funds from one account (usually your checking account) to another account (your loan account). To make a loan payment:

1. Go to Transfer Funds.
2. Choose the From Account. For the To Account, select the loan account.
3. Enter the transfer amount.
4. Select the transfer date from the calendar.
5. Click Transfer.
6. At the verification screen, click Continue.

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Mortgage Payments

Making a payment to your ColeTaylor mortgage account is done at the Transfer Funds page because you are transferring funds from one account (usually your checking account) to another account (your mortgage account). To make a mortgage payment:

1. Go to Transfer Funds.
2. Choose the From Account. For the To Account, select the mortgage Loan.
3. Enter the transfer amount.
4. Select the transfer date from the calendar.
5. Select whether it is a regular mortgage payment or principal only.
6. Click Transfer.
7. At the verification screen, click Continue.

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Pending Transfers

Pending transfers are those awaiting processing. Go to Transfer Funds | Pending Transfers to display your pending transfers.

At the Pending Transfers list, you have the option to cancel a pending transfer:

1. Click the Select button for the transfer you want to cancel.
2. Click the Cancel Selected Transfer button.
3. Click Yes to confirm the cancellation.

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Recurring Transfers

Recurring transfers are those transfers you set up to occur periodically, based on the schedule you determine. Recurring transfers are always debited from the account that you selected at the time of enrollment. If using the recurring transfer feature, you are responsible for maintaining and updating the recurring transfer schedule.You can add, modify, and delete recurring transfers by going to Transfer Funds | Recurring Transfers:

• Add - To add a recurring transfer, click Add Recurring Transfer. At the next screen, fill in the information as desired and click Add Recurring Transfer, then Continue.

• Modify - To modify a recurring transfer, click the Select button for the transfer and click Modify Recurring Transfer. At the next screen, make the necessary changes and click Modify Recurring Transfer, then Continue.

• Delete - To delete a recurring transfer, click the Select button for the transfer you wish to delete and click Delete Recurring Transfer. At the next screen, review the recurring transfer information. To delete it, click Continue.

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Transfer History

You can display your transfer history by going to Transfer Funds | Transfer History. The last 20 days of history are displayed by default, but you can view any range (maximum 3 months at a time) of history. To select a range:

• Enter the From and To dates from the calendars, and click Get History.

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Pay Bills

Pay Bills Overview

This feature conveniently allows you to pay your bills directly from your demand deposit accounts. By accessing your account history screen, you can confirm that the payment was debited from your account.

Signing Up

Once you have access to Internet banking, simply click on the Pay Bills tab and follow the sign-up instructions.

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Cutoff Times

When you choose to make a payment, you can select to process the payment today, or you can select a specific date up to one month in advance. If you select to process your payment today, and submit the request prior to 7:00 PM CST on a normal business day (Monday through Friday, excluding federal bank holidays), the funds will be withdrawn from your account that day and the payment will be sent the following business day. If you select to send your payment on a non-business day, the payment will be processed, and the funds will be withdrawn on the next business day.

If you choose to process your payment on a future date, the funds will be withdrawn from your account on that day, and sent the following business day. If the future date you have chosen is on a non-business day, the payment will be processed, along with the funds withdrawal, on the next business day and sent the following business day. It is recommended that you submit your payments at least 5 business days prior to their due date. This allows a sufficient amount of time for your payment to be received by your merchant.

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Multi-Pay

This feature allows you to pay up to 10 bills at one time. To use Multi-Pay:

1. Go to Pay Bills | Multi-Pay.
2. Select the merchant, pay date, account, and enter the amount for each bill.
3. Click Pay Bills and verify.

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Single Pay

This feature allows you to pay a single bill to any merchant in your list. To pay a single bill:

1. Go to Pay Bills | Single Pay.
2. Select the date, payee, amount, and payment account.
3. Click Pay Bill and verify.

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Merchant List

Your personalized merchant list is available to provide you a quick method of selecting or viewing detailed merchant information that you have entered. By clicking on the Merchant List link, you can access the merchant information, including account number, address, phone number, and recurring payment information. When adding a merchant, you can create a merchant by entering the specific information required, or you can select a merchant from the system list and update it as needed. The term “merchant” refers to any payee you enter into the system, whether it is a utility, a loan company, or your neighborhood grocery store.

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Add a Merchant

1. Go to Pay Bills | Add a Merchant.
2. Search for the merchant name to see if they are in the database.
3. If not, click Add Your Own Merchant and fill out the screen information exactly as it appears on your bill.
4. Click Submit.

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Modify a Merchant

1. Go to Pay Bills | Merchant List.
2. Click the Select radio button for the merchant and click Modify Merchant.
3. Change the necessary information and click Modify Merchant.

NOTE: Some merchant information, such as the address, cannot be changed. Instead, you must add a new merchant with the correct information, and then delete the old one.

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Delete a Merchant

1. Go to Pay Bills | Merchant List.
2. Select the radio button for the merchant you wish to delete and click Delete Merchant.
3. At the verification, click Yes.

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Recurring Payments

With the bill payment feature, you have the option to establish an automatic or recurring bill payment schedule when adding a new merchant, or by modifying an existing merchant. Please note that all recurring payments to a merchant must be made for the same dollar amount. Recurring payments are always debited from the account that you selected at the time of enrollment. If you are using the recurring payment feature, you are responsible for maintaining and updating the recurring payment schedule.

1. Go to Pay Bills | Merchant List.
2. Click the Select button for the desired merchant.
3. Click Modify Merchant.
4. Click the Set up Recurring