CONFIGURE DIGITAL℠ - PERSONAL DIGITAL BANKING Q&As

ONLINE BANKING

  • With Online Banking, you can:

    • Pay bills or send money to family, friends, or anyone else you know.

    • Access your accounts on the go with our NEW Mobile Banking app.

    • Transfer funds between your personal accounts or to accounts at other financial institutions.

    • Track expenses, create budgets, and set financial goals with our personal finance manager.

    • Protect, control, and manage your cards.

    • Guard your accounts against fraud and stay informed with customized account alerts.

  • No, Online Banking is free.

  • We have taken significant measures to ensure that our system meets the latest security standards, including the latest security encryption methods and software.

  • Online Banking lets you access checking and savings accounts as well as any loans you may have with us.

  • You can enroll online or through our Mobile Banking app. If you have questions about enrollment, contact customer/member service at 513-201-2210.

 

BILL PAY

  • Paying bills online saves time and money with no checks to write or mail. Plus, it helps you keep track of all the bills you pay, lets you schedule auto bill payments and pay virtually any bill – utilities, mortgage, even your lawn care service – with just a few clicks.

  • Bill Pay is fully secure. Security experts recommend Bill Pay to help protect against check fraud and identify theft. We use multiple layers of online security to protect your information.

  • Bill Pay can only be used with a checking account.

  • Our Bill Pay service is free.

  • You can make payments to virtually anyone using our Bill Pay system. Exceptions include tax payments, court ordered payments, payments to payees outside the United States, or payments to other institutions for the purpose of making a deposit.

  • Payments made to electronic payees are delivered within 2 days, while payments issued by check are delivered in 5 days. Note, when you schedule a payment the payment calendar indicates the earliest available payment date.

  • You can make one-time or recurring payments through Bill Pay.

  • Payments can be set up as much as 365 days in advance. Recurring payments can be scheduled to occur over any time period in the future, including indefinitely.

  • Your account will be debited on your scheduled payment date.

  • Yes. Payments are sent on the day they are scheduled. This means that standard overdraft fees may apply if there are not sufficient funds in your account to cover the payment(s).

  • Yes, you can change a scheduled payment at any time before it is processed. Payments may be processed up to 5 days in advance of the payment due date entered. The system displays an error message if you attempt to modify a payment after it has been processed.

  • Just log into Online or Mobile Banking, click “Bill Pay,” and complete the enrollment form. Once your enrollment is received and processed (approximately 3 business days), you’re ready to start using Bill Pay. You must be enrolled in Online Banking before you can enroll for Bill Pay.

 

ACCOUNT ALERTS

  • Account alerts are notifications sent to you when important events occur within your accounts.

  • You can set up alerts for low account balance, loan due dates, cleared deposits, general account information, and much more. Log into Online Banking and select “Alerts” from the main page to see all available alert options.

  • Alerts can be received via email, text message, or through online banking.

  • Setting up your alerts is easy. Simply select “Alerts” from the main Online Banking page, then “Alert Options.” To add an alert, select a topic from the list, the type of alert you’d like to add, an amount if applicable, how you would like to receive the alert, then save.

  • There is no charge for using Alerts.

 

TRANSFERS

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How do I enroll for transfers?

Account holders enrolled for Online Banking automatically have access to transfers.

What kinds of transfers are available?

You can set up both one-time and recurring transfers.

Can I transfer funds between my accounts at other banks?

Yes, with our external transfer service you can transfer funds to and from your accounts at other U.S. financial institutions.

Is there a fee for external transfers?

There is currently no charge for external transfers.

Can I transfer funds to accounts outside the United States?

Transfers are only available to accounts inside the United States.






 

PERSONAL FINANCE MANAGER

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What is Personal Finance Manager?

Personal Finance Manager is a powerful suite of budgeting, planning, and financial goal setting tools all in one convenient location. It’s like having a personal assistant helping you plan a budget, track your progress towards saving goals, watch your spending, monitor your accounts 24/7, send alerts, and keep track of your finances every day.

What can I do from the Personal Finance Manager Dashboard?

From the Dashboard you can get a snapshot of your current financial status, including cashflow, net worth, personal budgets, and savings goals. You can also see alerts, recent activity, and a breakdown of your assets.







How does the budget feature work?

The Budget feature enables you to enter in your monthly income and expenses. Our system provides a comprehensive list of categories for each that make it easier for you to be sure that all your finances are included.

What if an income or expense doesn’t fit into the standard categories offered?

You can easily add custom categories into the system under the Categories feature. These can be edited at any time.

Can I add accounts from other financial institutions to my Personal Finance Manager?

Yes. Personal Finance Manager lets you add accounts from other financial institutions, investments, or other income that is part of your monthly cash flow.

Will Personal Finance Manager keep track of my net worth?

Yes. From the Dashboard, you will be able to not only keep track of your financial accounts, but also add the value of your home and other real estate property to provide a clearer picture of your net valuation.

Can I export my transaction history?

Yes. If you use accounting software or a spreadsheet to keep a check register or other records, the transactions can be exported as either a .CSV or Excel file.

What is the benefit of using the Goals feature?

Setting savings goals is an important part of achieving any life goals that require you to save money, for example a new car, a down payment for a new home, or that dream vacation. Our Goals feature makes it easy. Simply give your goal a name, enter an amount, set a target end date, select your preferred account, and the percentage of money within the account you’d like to set aside for the goal. That’s it! Your personal finance manager will start tracking your progress towards the goal.

Is there a fee for using Personal Finance Manager?

No, this is included as part of our Online Banking service.







 

MOBILE BANKING

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What is the benefit of using Mobile Banking?

Mobile Banking enables you to view real-time account balances & activity, transfer funds, pay bills, make deposits and more all while on the go, helping you meet your everyday banking needs.

Is Mobile Banking Free?

Our Mobile Banking service is free. Message and data rates may apply from your mobile service provider. Our standard fees will apply to other services accessed via Mobile Banking.

Do I need to be enrolled in Online Banking to use Mobile Banking?

Yes.








Do I need to sign up for Mobile Banking?

You do not need to sign up for Mobile Banking.

What options are available for accessing Mobile Banking?

Mobile Banking can be accessed as follows via any mobile device.

· Mobile Banking app: Once you have downloaded and installed the app, simply log in using the same username and password used for Online Banking.

· Mobile Browser: From your mobile browser, log in to Online Banking at www.rhb24.com using the same credentials.

How do I install the Mobile Banking app?

The app can be found by searching for RiverHills Bank within your mobile device’s app store. Once downloaded, simply use your Online Banking credentials to log in.

Can I add new payees from Mobile Bill Pay?

Yes. To add a new payee to your list, log into our Mobile Banking app to access this Bill Pay feature.

How do I reset my password?

If you've forgotten your Online/Mobile Banking password, simply select the “Forgot Password?” option and follow the steps to reset your password.








 

MOBILE DEPOSITS

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How does Mobile Deposit work?

From our Mobile app, simply select “Deposits” from the menu, enter the amount of the deposit, endorse the physical check, and take a photo using the camera on your mobile device of the front and back of the check and submit. That’s it!

How should I endorse a Mobile Deposit check?

Be sure that the back of the check is endorsed, as usual, and include the words “For Mobile Deposit” to identify the check as a Mobile Deposit.

When are funds available from a Mobile Deposit?

Funds from Mobile Deposits are generally available on the next business day after they are received, just like typical deposits.

What should I do with the paper check after a deposit?

We recommend securely storing the check for 14 business days, then destroying the original paper check.

What types of checks can be deposited?

Any check drawn from a U.S. financial institution can be deposited. The following items cannot be deposited: international checks, U.S. saving bonds or postal money orders, third-party checks.









Are there dollar limits for Mobile Deposits?

Yes. Mobile Deposit limits apply to per check amounts as well as a daily total limit of $5,000 for overall deposits.









 

CARDHUB

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What card management options are available within the Mobile Banking app?

Our card management options allow you to:

· Lock/unlock your cards.

· Limit transactions by location, merchant, transaction type or dollar amount

· View subscriptions tied to a card and see where cards are stored online.

· Stay informed with alerts.

· View your spending via easy-to-read graphs.

· Get in-depth transaction details.

· Report lost or stolen cards.

· Quickly identify and report fraudulent transactions

· Set up and manage travel plans.

· Activate your card when it arrives.

How do I get started?

Simply log in to our Mobile Banking app and tap “Cards” to get started.

What if I don’t see “Cards” in the Mobile App?

Verify in your App Store that you have the most current version of our app installed. If an update is needed, you will see “Update” in the App Store.

Can multiple cards be linked to one Mobile Banking account?

Yes, multiple cards from our institution can be accessed via one Mobile Banking account.

What type of transactions are displayed/enriched?

Transactions made with your cards are enriched and displayed. Teller transactions, wire transfers, and payments made via Bill Pay and ACH are not included. Enriched data includes the merchant’s name, logo, address and more.

What’s the difference between “Card on File” and “Recurring Payments”?

“Recurring Payments” are those payments that happen repeatedly on a schedule, for example, streaming subscriptions, cellular bills, or other monthly bills you pay with your card. “Card on File” is a list of merchants who store your card information for future purchases, like online retailers or delivery apps.

I see a transaction I don’t recognize. What should I do?

Select the transaction to view its details. If it was an in-person transaction, you should see a Google Map of the actual location the transaction took place. If you still don’t recognize the purchase, you can reach out to the merchant from the phone number listed on this screen.

What card controls are available?

Via our Mobile app, you can lock or unlock your card if you suspect fraud or misplace your card. You can even report lost and/or stolen cards without ever having to call a customer service number. Even limit transactions by location, merchant, and transaction type to control how your card is used. Plus, set up alerts to stay informed.

Can I block all international transactions?

Yes. You can block multiple types of transactions. International transactions are already blocked by RiverHills Bank and can only be done by setting up travel exemptions in the cardhub or by calling your local branch.

Will changing location, merchant or spend controls impact previously authorized recurring transactions?

Previously authorized recurring payments will not be affected by the card controls.

How long does it take for a control or alert setting to take effect?

Control and alert settings take effect immediately.

How are alerts delivered?

Alerts are sent as push notifications on your device. The alerts will also appear under “Messages” in the app.

I will be traveling several times in the next year. Can I enter all of my travel plans at once?

The app allows you to set two travel plans at a time with a maximum duration of 90 days. If your trip exceeds this or you are travelling more than two times, you will need to update the app after each trip or after 90 days.