Online Banking 101

Compose a Message

To compose a new message:

Respond to a Message

Message Actions

You have the ability to mark a message thread as unread, read, or delete a message thread.

Sent Messages

The Sent tab allows you to view and delete messages that have been sent.

Transfer & Payments

Quick, One-time Transfers

Quick transfers allow you to perform one-time transfers for configurable predetermined dollar amounts or for a single free-form amount. You can make transfers to and from internal and previously configured external accounts.

1. Select the account you want to transfer From
2. Enter the Amount to transfer or select from the list of convenient predetermined accounts
3. Select the account you would like to transfer To
4. You’ll notice your selects have populated at the bottom of the screen. Then click the Submit Transfer button. An Identity Verification may be required to verify your identity, and then click the Verify button
5. A successful message will display, to confirm your transfer has been completed

Standard One-Time or Recurring Transfers

Standard transfers allow you to perform both one-time and recurring transfers, as well as loan payments (including payments to credit cards).

1. Select the source account from the From dropdown menu
2. Select the destination account from the To dropdown menu
3. Select the Amount you want to transfer
4. Choose the Date (or Start Date) you want the transfer to take place
5. Select the Frequency the transfer will repeat on. Select the Ending date of the recurring transfer, if prompted. (Depending on which frequency you chose.) Add memo (optional)
6. Click the Submit Transfer button

You can set up transfers or payments to move funds between account types that you have ownership of (i.e. primary or joint ownership).

Using Standard tab, you can create any of the following four transfer scenarios:

One-Time Immediate Transfer
Create a one-time, immediate transfer by selecting the To Account and the From Account and entering an amount for the transfer. When a transfer is executed, a confirmation screen will appear to confirm the details of the transfer.

One-Time Future-Dated Transfer
Create a one-time future-dated transfer by selecting the To Account and the From Account and entering an amount for the transfer. Then, specify a future date as to when that transfer should execute.

Immediate Recurring Transfer
Create an immediate recurring transfer by selecting the To Account and the From Account and entering an amount for the transfers. Then, specify the frequency and when the recurring transfer should end.

Future-Dated Recurring Transfer
Create a future-dated recurring transfer by selecting the To Account and the From Account and entering an amount for the transfer. Then, specify the frequency and when the recurring transfer should end.

Memo for Transfers

An optional memo can be added to any transfer. This can be used to enter specific information about the transfer that you may want to record for future reference. This information will be stored and displayed for reference purposes in the Scheduled and History tab (Activity list on mobile) under the transfer detail.

Linking Accounts

Linking Accounts within Alpha Financial

Create a one-time or permanent link to another user’s account to make one-time and recurring transfers to that account. You have the option to link to another user’s account using their account number (along with the credit union share or loan ID associated with that account number) or by using the user’s email address or phone number.

Linking External Accounts for Transfers

To add an external transfer account:

Linking External Accounts for Account Aggregation

Adding accounts from other FIs makes it convenient for end users to view their assets and liabilities in one place. Select the Settings under your profile drop-down or under the Tools tab.

Select the External Transfer Account option. If it is your first time, you will see an informational screen to guide you through the step-by-step process.

After the platform displays a success message to confirm the external institution was successfully added, it will begin the process of retrieving account details such as name, balance, or type and reading transactions.

You will see your account details and transactions in the Accounts or Dashboard widgets after sixty seconds or less.

Bill Pay

Add a Payee – Business

Within Bill Pay, click the Add Payee button. In the pop-up box, select Business and click Next. Enter the Name of Business, the Zip Code, select a Default Funding Account, and click the Next button.

Add a Payee – Person

Within Bill Pay, click the Add Payee button. In the pop-up box, select Person and click Next. Enter the payee’s Address, Phone Number, Nickname, and click Add Payee. Please note, duplicate Payees will only be rejected if the nickname, account number, and address are all the same.

Make a Payment

The Make a Payment tab allows you to schedule single and recurring payments to the selected Payee. Once the payment is submitted, you will need to Confirm and Submit Payment.

Manage Payee Information or Sender Information (Default Funding Account)

In Bill Pay, utilize Manage by clicking the Edit (pencil) icon in the Payee Information or Sender Information and Save the changes. To Delete a Payee, click on the Delete Payee link and select the Delete Payee button.