Personal and Small Business Online Banking Login Help

First Time Users

1. Click on the First Time Access button. This will lead you to our Sunwest Bank Online Banking Agreement and Disclosure. Please read the agreement; you may also print a copy to retain for your reference. To proceed to the next step click on the “I Agree” button or “Cancel” button at the end of the document.
2. At the Log In screen click on the First Time Log On button. Enter your 10-digit account number in the AccessID field and the last four digits of your social security number or the last four digits of your employer identification number in the Password field. If you use telephone banking you will use that password in place of your social security number or employer identification number. Click on Submit.
3. The system will automatically prompt you to the Change Access ID and Password screen. Enter a NewAccess ID (can be alpha and/or numeric) that is significant to you, such as your name, special word or number. In the New Password field type a private word or number not to be shared, written down or given to anyone. Reenter the same new password in the Confirm New Password field. PLEASE NOTE: The Password is case sensitive and must be 8-15 digits, alpha/numeric, and must include at least one number. Then click Submit. This will now be your Access ID and password to enter the system.
4. The Set Security Data screen will appear. This screen provides an Authentication Image and Phrase (that you will create) to verify that you are on the correct Internet Banking Site. Enter and confirm your e-mail address where indicated. Complete an Authentication Pass Phrase that you associate with the Authentication Image presented. The system will then prompt you to choose and answer three Challenge Questions and choose whether you are using a public or private computer. Once you have completed these steps, click Submit and you will be ready to begin using Online Banking.

Previous Users

1. From any screen on www.sunwestbank.com, choose either Personal or Small Business from the drop down menu under Online User Access.
2. Enter your Access ID in the Username field and click the Log-In button.
3. The system will prompt you to answer on of the Challenge Questions that you previously created. Answer the question and click Submit.
4. The system will then display your Authentication Image and Authentication Pass Phrase. If these match what you previously created, enter your Password and click Submit.
5. To view your accounts click on Accounts.
6. To change your password at any time click on the Change Password button at the top of each transaction page.

Accessing Each Account

To access each account, place the cursor over the Account Number, and click once. This will bring you to the Balance screen.

Button Descriptions

Balance

Current memo ledger balance, which may include transactions received, but not yet posted, interest information if applicable, and last activity information prior to today.

Transactions

Debits and credits that have posted to the account the previous business day.

At the bottom of this page is displayed:

• > Account to Date: Provides all activity from the time the account was opened. This option is only for loans and certificates of deposits.
• > Previous Month Statement: Previous month's statement.
• > Current Month Statement: All transactions starting with the date of your last statement, up to the previous days' transactions.
• > Previous Day Transactions: All transactions posted on the previous business day.
• > Current Day Transactions: Transactions that have been presented throughout the current day, and will post to the account that night.
• > Export Statement: Download your statement to a software program for account reconciliation.

Exporting Transactions

The description of the File Format is:

• > Comma Separated Files (.CSV) - Exports to programs such as Excel, Lotus 123, Access (ASCII format)
• > Quicken Interchange Format (.QIF) - Exports to Quicken Open Financial Exchange
• > (.OFX) - Exports to Microsoft Money

Transfers

You may set up a transfer one time or recurring. This option is not available on all accounts. Transfers can only be accessed between your accounts within Sunwest Bank.

One Time Transfer

1. Click on the account you would like to transfer from.
2. Click on the One Time Transfer button and fill in the following fields:
   To Account - click the drop down arrow, which displays all your eligible accounts for transfers, select the account you would like the funds transferred to
   
   
   • > Amount - fill in the dollar figure
   • > Click Transfer. A confirmation screen will be displayed containing a confirmation number.
   • > This option is for one transfer only and will drop off the system when completed.

New Transfer

1. Click on the account you would like to transfer from.
2. Click the New Transfer button and fill in the following fields: To Account - click the drop down arrow, which contains all your eligible accounts for transfers, select the account you would like the funds transferred to
   
   
   • > Frequency - click the drop down arrow, which displays the frequency types, choose how often you would like the transfer made, except On Demand all subsequent transfers are automatically made by the system
   • > Amount - fill with a dollar figure
   • > Date - fill in with the date you would like the transfer to take place (if recurring this will be the first transfer)
   • > Number of Remaining Transfers - you may choose the number of times you would like this transfer to take place, this will start the count after the first transfer
   • > Description - you may type a description, which will appear on your statement.
   • > Click Transfer
   • > A screen with the transfer(s) will be displayed and will remain as a template for you to use again if on demand or recurring. (Note: if on demand the transfer amount will drop to a $0.00 after the transfer takes place.)