Introducing
a better way
to bank.

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• Summarizing Account Information - you can view a list of all your accounts at Community Bank & Trust by clicking the “Accounts” button. From the account list, a specific account can be selected to view account detail and perform transaction activities.
  
  
• Account Transaction Activities - you can review, print, and initiate transaction statements and transfer funds between accounts. You can also select transactions, sort transactions, and export transactions to personal financial management applications (such as Microsoft Money or Intuits Quicken).
  
  
• Check Images - you can now view and print copies of your cleared checks front and back. The link is within your checking transaction statements.
  
  
• Pay bills, with our Bill Payment Service you can receive and pay your bills online. You can also pay anyone*, anytime, anywhere in the United States. This service also helps you schedule and track your bills.

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First Time Users will be activated upon request. For security purposes please visit a Personal Banker at any one of our Community Bank & Trust locations to enroll in Online Banking.

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Click the “Accounts” button to view a list of your accounts. All accounts which you are an authorized signer on will be displayed for you. Accounts will be categorized in the account list by the type of account. The account list includes:

• Account numbers
• Types of accounts (Checking, Convenient Power, Savings, Certificates of Deposit, Loans)
• Account balances
• Account descriptions

Click on the account number to view a single account. The Account Balance Inquiry displays up-to-date information including: Current Balance, Activity Information, and Interest Information. Balances are displayed according to the type of account.

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The Transaction List provides a list of all transactions associated with your selected account. From an account information window, mouse over the “Transactions” button to review a list of view options. They are as followed:

• Current Statement will display transactions that have occurred during the current statement cycle.
• Previous Statement will display transactions that occurred during the last statement cycle.
• Previous Business Day will display transactions that occurred on the most recent business day.
• Current Business Day will display transactions that have occurred as presentments to your account for the current day.
• Current Year will display transactions that have occurred during the current calendar year.
• Previous Year will display transactions that have occurred in the previous calendar year.
• Account To Date will display transactions that have occurred from the time the account was first opened.
• Date Last interest will display transactions that have occurred before interest has been calculated.
• Since Last Log In will display all account activity since your last visit in Online Banking.
• Transaction Menu is where you can do a Transaction Search (search for specific items, sort & export your activity), Image Search & view Balance History.

Once in the view options, you should see the following headings:

• The Date identifies the date the transaction occurred.
• The Check Number is highlighted in blue and can be clicked to view the image.
• The Description identifies the type of transactions performed. For example, transfers to a checking account for a new car.
• Debit and Credit headings are displayed individually enabling the calculation and display of a running balance.
• The Balance reflects the difference between the debit total and credit total of an account.

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Export transaction information for use with a personal finance application, such as Intuits Quicken, Microsoft Money, Windows Clipboard, or Quickbooks.

Below are the qualified file types for Exporting from Online Banking:

• Comma Separated File (.CSV)
• Intuit Quickbooks 2000 & Earlier(.IIF)
• Intuit Quickbooks 2003- 2007(.QBO)
• Intuit Quicken 2003 & Earlier (.QIF)
• Intuit Quicken 2004-2007(.QFX)
• Microsoft Money (.OFX)

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Funds can be transferred between accounts within Community Bank & Trust.

*Transactions made after 6:00 p.m. will be posted to your accounts as of the next business day.

*Please note Money Market accounts are in the Checking Account Category.

Establishing a Transfer

Establishing a transfer can be done one of two ways.

• First choice, is using the Express Transfer. From the Accounts menu, click the Express Transfer button. You should then see all of the Transfer From, Transfer To & Transfer Amount options. Click to bullet the from account and the to account, then enter the amount and click the next button. A Preview Transfer screen will recap the information you just entered and will show the balance changes. To complete the transfer simply click the Submit button and a Transfer Confirmation screen will provide you with a confirmation number for reference purposes.
  
  
• Second choice, is using the One Time Transfer. From the Accounts menu click on the account you want to transfer from. Then mouse over the Transfer button and from the choices click on One Time Transfer. You should then see the transfer screen and from the drop down menu select the transfer to account and enter the dollar amount. Then click Next button and a Preview Transfer screen will recap the information you just entered and will show the balance changes. To complete the transfer simply click the Submit button and a Transfer Confirmation screen will provide you with a confirmation number for reference purposes.

Establishing Reoccurring Transfers

From the Accounts menu click on the account you want to transfer from. Then mouse over the Transfer button and from the choices click on Recurring Transfer. You should then see the new scheduled transfer screen appear. From the drop down menu you can enter the information about the transfer.

• * The To account, account the transfer is being sent to.
• * The Frequency, i.e. weekly, monthly, etc.
• * The Amount of the transfer
• * The Date the transfer should begin.
• The Number of Transfers, i.e. 36 for a monthly 3 yr loan.
• A Description of the transfer.

* Indicates Required field

Once the scheduled transfer is filled in completely, click the Submit button. You will then see a confirmation screen recapping the criteria of the reoccurring transfer you just completed.

Review Established Transfers

To review your transfers, click the “Accounts” button, select the appropriate account, then mouse over the Transfer Button and select Transfer List. Then select from the drop down menu the transfer from account.

The transfers are organized by “To Account,” indicating the account number, which is receiving the transfer. The list includes:

• The Account that the transfer is being sent to.
• A Description of the transfer
• The Next Date the transfer is to be made.
• The Next Transfer Amount to be made.

Click the Details link to see the following:

• The Last Amount sent.
• The Last Date the transfer was made to this account.
• Frequency.
• Remaining Transfers.

Change an Established Transfer

To change an established transfer, click the “Accounts” button then click on the account that is scheduled to make the transfer. Click the “Transfers” button then select the transfer you want to change from the “To Account” column of the list provided. The following options can be changed:

• The Frequency can be changed by selecting another frequency from the drop-down list box.
• The Amount.
• The Date.
• The Number of Remaining Transfers. (optional)
• The Description of the transfer.

Click the “Update” button to complete your request.

Skip a Scheduled Transfer

To skip a scheduled transfer, click the “Accounts” button then click on the account from your list of personal accounts. Click the “Transfer” button. From the established list of transfers’ click on the transfer you want to skip. Change the transfer amount to zero. Then click the “Update Transfer Information” button to complete your request. This will skip the current transfer. You will need to reestablish the transfer amount prior to the next scheduled transfer.

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Bill Pay is the fastest and easiest way to send and receive money electronically to or from anyone, almost anywhere!
Access Bill Pay DEMO

Bill Pay can be accessed by any Community Bank & Trust account holder once logged into Online Banking. From the Online Welcome page you will see a button titled Bill Pay and simply click it. Click Accept and a welcome screen will appear. From this page you can click the Enrollment form link, FAQ's link or Forget Username or Password link.

Once logged into Bill Pay, you can setup Payees and Send Money to Anyone* or Receive Bills Online**.

*The only payments you cannot make through your bill payment service are court-ordered payments, state and federal tax payments, and international payments.

**Only certain companies have the option to send electronic bills, see the list of names once in add Payees sections.

For Bill Payment Customer Service please call, 1-800-268-5652 or write to:

Community Bank & Trust Sheboygan
P.O. Box 182477
Columbus, OH 43218-2477

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