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Welcome
Welcome to Connect24SM Online Banking and Connect24SM
BusinessLink, Fairfield County Bank’s online banking and cash
management solution for business.
Our goal is to make your Online Banking experience easy and intuitive
every time you log in so no matter the device you choose, mobile
phone, tablet, or laptop the experience is consistent.
Business Link Cash Management Services is a comprehensive
suite of products designed to provide you with all the tools you
need to manage the finances of your business. In addition to the
services included in Connect24SM Online Banking, you may add cash
management solutions through our BusinessLink product such as
Deposit Express, Positive Pay, Wires, and Automated Clearing House
(ACH) capabilities. Please refer to our current Schedule of Charges for
Business Banking for more information on fees and charges associated
with BusinessLink Services.
Disclaimer
Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and
may not be applicable to all readers. The content in this guide is not warranted to offer
a particular result or benefit. Neither the author/publisher, nor Fairfield County Bank shall be
liable for any damages arising out of the use of this guide, including but not limited to
loss of profit, commercial, special, incidental or other damages. For complete product
and service information, please refer to the terms, conditions and disclosures for each
product and service.
We invite you to take a moment to learn more about Connect24
Online Banking and BusinessLink Cash Management Services.
Please view our Connect24 Online Banking Guide for additional
features and step-by-step instructions to help you further understand
how these features work.
We appreciate you choosing Fairfield County Bank for your service
needs.
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Table of Contents
Getting Started - Security
Welcome.................................................................................................................................................. 1
By following our tips, Online Banking can be a safe, secure, and efficient
method for handling your banking needs. Our team uses technologically
advanced tools to monitor your accounts to protect against fraud, so you can
be confident that we’re doing everything we can to ensure your personal
information and Fairfield County Bank accounts are safe and secure. Our
use of multi-factor authentication adds an additional level of security to
help ensure that you are in fact signing in to the Connect24 Online Banking
Service. The multi-factor authentication consists of your Security Profile,
which includes your user name and password, authentication questions, and
personal image and name.
Getting Started
Security....................................................................................................................................... 3–4
Signing In........................................................................................................................................ 5
My Accounts Page....................................................................................................................... 6
My Accounts
Accounts Summary................................................................................................................ 7–8
Account Activity........................................................................................................................... 9
Manage Account Nickname..................................................................................................10
Transfer Funds
Make a Transfer..........................................................................................................................11
Recurring Transfers...................................................................................................................12
Pay My Bills
More - Payees..............................................................................................................................13
Single and Multiple Bill Payments.......................................................................................14
Loan Payments...........................................................................................................................15
Payment Activity........................................................................................................................16
More - eBills..................................................................................................................................17
Your Identification and Password
Security starts when you sign in. Your User ID and Password should never be
shared with anyone. Make sure your password is a combination of random
numbers, letters, and special characters and does not include any spaces.
We recommend you don’t use obvious names or words associated with your
personal history or identity. Keep your password in a secure place.
Deposit Express
Deposit Express..........................................................................................................................18
Positive Pay
Eligible Accounts and Centrix...............................................................................................19
Service Center
Overview.......................................................................................................................................20
Add/Manage Authorized Users............................................................................................21
Add/Manage Authorized Users - Entitlements...............................................................22
Wires
Activity...........................................................................................................................................23
Beneficiaries.................................................................................................................................24
Add a Beneficiary.......................................................................................................................25
Single and Multiple Wire Transfers.....................................................................................26
ACH
Keep Your Online Banking Safe.
> Ensure your web browser, operating system, anti-virus software and other
applications are current and support 128-bit encryption.
> Memorize your passwords.
> Log off your Online Banking session when finished.
> Do not leave your computer unattended when logged into Online Banking.
> Do not use public computers or unsecured WiFi when accessing Online
Banking.
> If you receive an error when logged into your Online Banking account,
report the error to our Customer Care Center at 877-431-7431.
Activity...........................................................................................................................................27
Recipients.....................................................................................................................................28
Groups...........................................................................................................................................29
Pass Thru.......................................................................................................................................30
eDocuments
eStatements.................................................................................................................................31
IRONKEY®..............................................................................................................................................32
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Getting Started - Security
Getting Started - Signing In
Fairfield County Bank will never send unsolicited emails asking you to
provide, update, or verify personal or confidential information via return
email. If you receive an email inquiry allegedly from us, please report the
incident to our Customer Care Center as quickly as possible at 877-431-7431.
To mitigate the risk of online fraud and identity theft, your first and best
protection is awareness.
Once you have enrolled as a New User or registered as a returning user, and
signed in to Online Banking at least once, follow these steps for subsequent
sign ins.
Phishing
Phishing is an online scam tactic that is used to lure users into unknowingly
provide personal data, such as credit card information or User IDs and
passwords. Using realistic-looking emails and websites, this tactic attempts
to gain the trust of unsuspecting targets and convince them that vital
information is being requested by a service provider they may already have a
relationship with, such as their financial institution.
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Identity Theft
Identity theft can occur when criminals find a way to steal your personal
or other identifying information and assume the use of that data to access
your personal accounts, open new accounts, apply for credit, purchase
merchandise, and commit other crimes using your identity.
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Clickjacking
Clickjacking is when a web-based attacker tricks a user into clicking on a
button or link on another web page when they were intending to click on
the top level web page. Thus, the attacker is “hijacking” clicks meant for the
original page and routing them to another web page, most likely owned by
another application, domain, or both. The risk is that a user can be led to
believe they are typing the password to log into their email or bank account,
but are instead typing into an invisible frame controlled by the attacker.
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Fraud Prevention Tips
> Do not open email attachments or click on a link from unsolicited sources.
> Avoid completing email forms or messages that ask for personal or
financial information.
> Do not trust an email asking you to use a link for verification of login or
account details.
> Monitor your account transactions for unauthorized use.
> Shred old financial information, invoices, charge receipts, checks, unwanted
pre-approved credit offers and expired charge cards before disposing of them.
> Contact the sender by phone if you are suspicious of an email attachment.
> Users should download applications only from “official” and/or trusted stores
(e.g., Android Google Play, Apple App Store).
> Users are recommended to call 877-431-7431 and to disable their mobile and/
or online banking account if they feel their sensitive information has been
compromised.
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1. From the website’s Online Banking sign in box, enter your User ID.
2. Click Continue.
3. Enter Password.
4. Click Sign In.
5. Forgot your password? Click Forgot Your Password?
6. Fill out Forgot Password information. Click Submit, then follow directions.
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Getting Started - My Accounts Page
My Accounts - Accounts Summary Page
My Accounts/Accounts Summary page screen will give you an overview of
all of your Online Banking accounts displayed in a comprehensive list. In the
account details you will see the total of all deposit accounts. Here you may
view both current and available balances.
When you first sign in to Online Banking, you will be directed to the
My Accounts tab. Under the Accounts Summary subheading, you will find
your Deposits Account Summary, Scheduled Transfers and Scheduled
Payments.
My Accounts
This will direct you to the Online Banking home page and can be used to view activity,
history, make a quick transfer, stop a payment or reorder checks.
Account Opening
This allows you to apply for new deposit accounts.
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Transfer Funds
Manage or create a transfer of funds, view transfer activity, transfer funds to another
Fairfield County Bank account.
Pay My Bills
This will direct you to the Payment Center where you can complete bill or loan
payments, view and add payees, and view eBills and online activity.
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Manage My Money
Manage and improve your finances by setting a budget, goals and viewing account
trends.
Deposit Express
An optional remote deposit service that allows you to streamline your bank deposit
process.
Positive Pay
An optional check monitoring service.
Wires
Send money from your account(s) at Fairfield County Bank to other financial
institutions.
ACH
Automated Clearing House capabilities including direct deposit of payroll, consumer
credits and debits, state and federal payments, and more.
Service Center
Manage and edit your account services, electronic services, personal profile, and
mobile banking services in one convenient location.
eDocuments
The eDocuments feature lets you manage, view or print your recent or previous online
statements.
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1. In the Deposits Account Summary you can view your account details and sort
your accounts by clicking on either the Current Balance or Available Balance
column header.
2. Click on the account nickname in the Deposits section and you will be taken to
Account Activity where you can view detailed account history including deposits,
withdrawals and transfers.
3. If you use Bill Pay, you will see the Scheduled Payments section which lists
upcoming payments. You may edit or delete a scheduled payment from this
section. (If a payment is being sent today or you have expedited a payment, you
may not change it.)
4. The Scheduled Transfers section lists any upcoming transfers. You may edit or
delete a scheduled payment from this area.
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My Accounts - Accounts Summary Page
My Accounts - Account Activity
It is easy to Customize Your Page by choosing which modules you would like
to display and the order in which you would like them.
Account Activity shows your Online Banking transaction history.
1. Select the boxes of the modules that you would like to show up on your page.
2. You can easily move sections around by placing your cursor over the dotted
triangle in the top right corner of that module; click on the triangle and while
holding the mouse button down, move the section to where you would like it.
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Need a transaction done in a hurry? On the Accounts Summary page you will
notice options on the right side of the page. These action sections allow you
to quickly: receive messages and notifications, transfer money, and provide
access to our help videos.
1. Click on the Account History dropdown to switch between accounts.
2. To send a secure message to our Customer Care Center on a particular
transaction, click the question mark next to the transaction and the information
about that transaction will automatically populate into the message.
3. Perform advanced searches by date range, type of transaction, description, check
number, and amount.
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My Accounts - Manage Account Nickname
Transfer Funds - Make a Transfer
Manage Account Nickname allows you to give each of your accounts any
name you want.
Make a Transfer shows your Online Banking transfer activity. Depending on
the type of account and access, you can review, edit, and delete unprocessed
transactions. Whether individual or recurring transfers, view the status, type,
amount, account and date of your online activity.
(Federal regulations limit the number of certain types of transactions from interest
bearing accounts. You are limited to six pre-authorized electronically funded
transactions, including online transactions, per month. Each transaction through this
online service from your Savings or Money Market account is counted as one of the
transactions you are permitted each month from that account. You cannot delete a
transfer once it is in process.)
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1. Select an Account to Nickname from the drop-down menu. Enter the nickname in
the Account field and click the Submit button.
2. Want to change the nickname? Click the Change button, type in the new
nickname and click the Submit button.
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Click on the Make a Transfer tab.
1. Select the accounts you wish to transfer funds From and To using the
drop-down menus.
2. Enter the dollar amount to be transferred.
3. Schedule your transfer to occur immediately, future-dated (one time), or
recurring.
4. Click Submit.
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Transfer Funds - Recurring Transfers
Pay My Bills - More-Payees
Recurring Transfers allow you to automate the transfer process. Transfers
will go out on a consistent schedule on the date you select and options
include but are not limited to: daily, weekly or monthly.
Pay My Bills is a free service that allows you to receive and pay bills online,
schedule future payments and view records of past payments. Expedite
payments for a fee. (See our Schedule of Charges.) Please reference our
Connect24 Online Banking Disclosure and Agreement for a list of prohibited
payees.
Ready to Add a Payee? A recent bill or statement should have all the
necessary details to get started.
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Click on the Make a Transfer tab.
1. Select the accounts you wish to transfer funds From and To using the
drop-down menus.
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2. Enter the dollar amount to be transferred.
3. Select Recurring from the drop down menu.
4. Select the transfer date and the frequency you would like transfer to occur.
5. Click Submit.
1. Place your cursor over the More tab. Select Payees from the drop down.
2. Click Add a Payee.
3. Click the radio button to indicate whether it is a Business or Individual and
complete the required fields. Click Submit.
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Pay My Bills - Single and Multiple Bill Payments
Pay My Bills - Loan Payments
Once your payees are set up, you can easily pay single or multiple bills.
Never miss a loan payment again with the option to pay your Fairfield County
Bank loan from the Pay My Bills section of your Online Banking portal.
(Payments scheduled with a frequency of “one time” with an effective date of
today will be withdrawn from your account instantly and cannot be cancelled or
stopped. The cut off time for same day payments is noon (12:00 pm). Any payment
scheduled after noon (12:00 pm) will be processed the following business day.)
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Pay My Loan
1. Select the account you would like to pay the loan from.
2. Select the loan you would like to pay. (Your Fairfield County Bank loan will first
1. Click the Pay A Single Bill or Pay Multiple Bills tab to start.
2. In the Pay a Bill screen fill out all of the fields.
3. Click Submit.
4. A Confirmation screen will pop up. Here you will need to complete your
need to be set-up as a payee.)
3. Enter the amount you would like to pay toward your loan.
4. Select a scheduling option - immediate, future-dated (one time), or recurring.
5. Select Submit. Ensure details are correct on the Confirmation page and select
Confirm.
payment by choosing to cancel, edit, or confirm after reviewing the payment
details.
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Pay My Bills - Payment Activity
Pay My Bills - More-eBills
The Payment Activity screen lets you view your scheduled and processed
payments.
Under the More tab, you can add and manage your Payees and eBills.
eBills are a fast and convenient way to receive your bills each month.
(Reference page 14 to learn how to add a payee.)
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1. Hover your cursor over the More tab to begin and select eBills.
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2. Unpaid eBills will display here for review.
3. Here you can view existing payees that are available for eBills and payees
already enrolled in eBills.
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1. Click the Payment Activity tab to start.
2. 2a. You have the option to Pay a Bill from the Scheduled Payments section.
Select the Pay a Bill button. 2b. You will be given the option to pay a single
bill. Simply complete the fields and click the Submit button to pay your bill.
3. Click the Export button in the Processed Payments screen to export your
processed payments.
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Deposit Express
Positive Pay - Eligible Accounts and Centrix
Deposit Express is an optional remote deposit service that allows you
to streamline your bank deposit process by scanning and electronically
submitting checks directly to the Bank for deposit to your account. It is
a secure system that eliminates the physical transfer of checks, reduces
manual processes involved with deposit preparation and provides for
online image storage and research.
Positive Pay is a monitoring tool that provides fraud protection on checks.
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1. Click on the Positive Pay tab.
1. Click the button at the top that says Click here to make your deposit.
2. View comprehensive training lessons by clicking on Training in the
navigation bar on the left.
2. In the Eligible Account screen, review your account(s) current and available
balances.
3. Click on the Centrix Positive Pay button to enter the Positive Pay System.
3. Click on the Capture link in the navigation bar. To capture a new transaction,
4. The Positive Pay System will open. On the left side of the screen, you can
4. Click the Create Deposit button. From there you will see all of your deposits.
5. For detailed instructions, select the Help Desk link at the top of the page you
For more information on this optional service or if you need assistance using the
system, stop by your local bank branch or contact our Customer Care Center at
877-431-7431.
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For more information on this optional service or if you need assistance using the
system, stop by your local bank branch or contact our Customer Care Center at
877-431-7431.
select the location, account, date and add the amount you are depositing.
access your account information.
need assistance.
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* This feature will be available on or after April 30, 2015.
If you need assistance or have questions, please call 877.431.7431.
Service Center - Overview
Service Center - Add/Manage Authorized Users
Banking Service Center manage your Account Services, Electronic Services,
Profile, and Mobile Banking in one convenient location. Click a link to be
directed to the corresponding screen.
The Add/Manage Authorized Users feature, allows you to manage
authorized user(s) and track user activity.
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1. Banking Service Center allows you to view the various services we offer
within the Online Banking portal.
2. Account Services - manage your deposit accounts and alerts.
3. Electronic Services - Manage Online Banking Services, Card Services such as
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deactivating and activating cards, and more.
4. My Profile - Keep your personal information up to date and secure with the
ability to update email addresses, mailing addresses, security information,
and more.
5. Mobile Banking - Find quick links to Manage your Mobile Alerts and Fast Balance
Devices.
1. Select My Profile at the top of the Service Center screen. In the Users screen.
2. The Users section allows you to review the status and last login of each user.
2a. You may manage the user’s settings by clicking Edit, Edit Entitlements,
or Delete.
3. Select the Add User button and follow the steps.
4. In the Manage Authorized User screen, complete the fields.
5. Click Submit to add the user.
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* This feature will be available on or after April 30, 2015.
If you need assistance or have questions, please call 877.431.7431.
Service Center - Add/Manage Authorized Users - Entitlements
Wires - Activity
Entitlements enables the business owner to manage each users specific
permissions.
Wires Activity allows authorized users to initiate time sensitive transfers for
processing from one person or entity to another. From the activity section,
you can approve or reject transfers and search wire transfer history.
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1. Select the Wires tab to get started.
2. On the Wires Activity screen, you can review and manage pending
transactions from the Pending drop down section.
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3. For fraud prevention, a security tool control can be put in place for a user
initiating wires. If the security tool is set so that approval is required, an
authorized user would have to select Reject or Approve before the wire
transfer can be processed.
4. Wire history can be pulled from the History section. Users by default can view
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all activity from the last 30 days.
5. Authorized users can search or filter history by status, funding account, wire
date, and reference number.
6. Select Search to view your results.
1. Go to the drop down screen Manage Entitlements.
7. Click Export to produce a history report of the parameters selected.
2. Select the entitlements you would like for each user by clicking in the box
next to that permission.
3. At the bottom of this page, you will see your account activity.
4. Click Submit when you are finished.
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For more information on this optional service or if you need assistance using the
system, stop by your local bank branch or contact our Customer Care Center at
877-431-7431.
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Wires - Beneficiaries
Wires - Add a Beneficiary
The Beneficiaries module allows you to manage wire beneficiaries which
are external entities such as individuals or corporations. Money can then be
quickly and conveniently transferred to the beneficiaries at any time.
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1. Select Beneficiaries from the sub-menu.
2. In the Beneficiaries drop down section, you can view the list of beneficiaries
you currently have set-up. Here you can easily edit or remove a beneficiary.
The beneficiaries listed here are available for selection upon sending a wire
transfer.
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3. Want to add a beneficiary? Click on the Add Beneficiary button.
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1. After selecting the Add a Beneficiary button in the Beneficiaries module, you
will see the Beneficiary Details screen. (Information required for the set-up
of these beneficiaries includes, their names, financial institution (FI), bank
account number and account type.)
2. Select which template you would like to complete for the beneficiary domestic or international.
3. Fill in the required information marked with an asterisk.
4. Select Save after entering in the Beneficiary’s information.
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Wires - Single and Multiple Wire Transfers
ACH - Activity
Whether you are sending Single or Multiple Wire Transfers, they are the
most convenient and quickest way for your business to securely send funds.
Automated Clearing House (ACH) capabilities includes direct deposit of
payroll, consumer credits and debits, state and federal payments, and more.
This is an optional service that can be added on to your business suite.
ACH Activity shows pending ACH transactions and provides the option to
search transaction history. There are three ways to submit ACH transactions,
traditional, pass-thru or group import.
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1. From your landing page, select the ACH tab.
2. The Pending section shows all pending ACH transactions.
1. Select Single to begin paying a beneficiary.
3. ACH history can be pulled from the History section. Users by default can view
activity from the last 30 days. Authorized users can search or filter history.
2. In the Initiate A Single Wire Transfer section, you can initiate a wire to a
single beneficiary. Select the Beneficiary, Funding Account, Date you would
like to send the transfer (click on the calendar icon to make your selection),
and enter the Amount. You may also add an optional Memo.
3. Select Submit when finished entering the wire details.
4. If you have more than one beneficiary you would like to pay at a time, you can
pay them through the multiple wires module. Select Multiple.
5. In the Initiate Multiple Wire Transfers section you will see a list of eligible
beneficiaries that you previously added.
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For more information on this optional service or if you need assistance using the
system, stop by your local bank branch or contact our Customer Care Center at
877-431-7431.
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ACH - Recipients
ACH - Groups
ACH Recipients are individuals or businesses who receive ACH transfers.
ACH Groups are named collections of predefined ACH templates that are
bundled together for convenience so that the user may initiate multiple
transfers at once. Pending transfers can be reviewed or deleted anytime prior
to processing.
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1. Click the Groups tab from the sub-menu to access and edit group details.
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2. From this screen you can edit, remove or add a group.
3. Click the Add Group button.
4. Select the Transaction Type and complete the required group and account
information.
1. To initiate an ACH transaction, you will first need to create a recipient.
Select the Recipients sub-menu.
2. Click Add Recipient.
3. Fill in the recipient contact and banking information in the appropriate fields.
4. You can assign a group to a recipient for batch transactions.
5. Once all of the required fields have been populated, click Save.
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5. Click the Add Recipients button to add to the group.
6. Once the group is established, select the check box next to the recipient and
select the Add Selected Recipients button.
7. Amounts for each recipient can be entered. When complete click Save and
Close.
8. In the Groups section, select the check box next to the group you want to use
and click Initiate to transmit to the bank for processing.
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ACH - Pass Thru
eDocuments - eStatements
ACH Pass Thru is a formatted file constructed outside of Online Banking. If
you use a software package to generate a file of ACH transactions, you can
upload it here using this screen.
eStatement is a great feature because it is an environmentally conservative way to view and save your statements electronically. You can view an
electronic statement in two easy steps.
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1. Select Pass-thru on the sub-menu.
2. Under Pending Pass-Thru, click on Choose Files, browse your files and select.
3. Click Upload.
4. View Pass-Thru History.
1. Depending on what you choose to enroll in, you will be taken to a screen where
you can view your recent eStatements.
2. In the Account Grid, click the eDocument you would like to review.
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IRONKEY™
Notes
Fairfield County Bank has joined with IronKey®
to bring you a USB plug in device that works to
prevent man-in-the browser attacks; man-in-themiddle and key logging attacks. IronKey’s Trusted
Access is designed for commercial bank customers
who use Online Cash Management and ancillary
services. Such services might include ACH transactions, payroll, wire transfers, account to account
transfers and remote deposit.
Fairfield County Bank recommends that all business
online banking customers take specific precautions
to protect their computers and business from risk
of virus, malware and cybercrime. We recommend
that business offices establish dual controls for
transaction processing, confine the application use
to one designated PC where possible, limit e-mail
access from the designated PC, and restrict access
to the internet for information searches, social
networking or other media. Trusted Access provides
our business banking clients a secure connection
while meeting the NACHA and FBI guidelines for
safe online banking without difficult installation or
operating requirements. Providing an additional
level of security to our customers is very important
to us.
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