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Online Banking Services

Frequently Asked Questions | Terms & Conditions

Online Banking gives you free 24-hour access to your personal account information. Just point and click to view recent transaction details, transfer between accounts, make loan payments, and more. How to sign up.

Pay and receive bills online with the leading electronic payment provider, CheckFree. Choose from a growing list of the nation's billers that present bills electronically and you'll never have to wait for your bill to arrive in the mail. You'll be able to pay who you want, when you want, whether you're at home, at the office, or on the road. No more searching for stamps or envelopes. Best of all, it's free. How to sign up.

Bank of Ann Arbor's Mobile Banking allows you to check account balances and transfer funds via your cell phone. It's convenient way to access your account information no matter where you are. And it's free. How to sign up.

Stop receiving paper checking and savings statements and start getting them online. Electronic statements are secure, easy to use and convenient. You'll receive an e-mail each month when your statements are ready. Then log on to Online Banking to view, download or print, at your convenience. How to sign up.

Set up alerts to notify you by e-mail or by text message (coming soon) of account activity. Receive alerts on checks that have cleared, low balance warnings and more. How to sign up.


Signing up for Online Banking
You need an active Bank of Ann Arbor checking or savings account, Internet connection and current browser software with 128-bit encryption to use Online Banking. Online Banking is free to Bank of Ann Arbor clients.

Bank of Ann Arbor's Online Banking is provided by a third party on our behalf. When you log in to Online Banking you may notice that the URL (site address) changes from https://www.boaa.com to https://rdsi-secure.com/xxxx. This is valid website and you may proceed securely. If another address is displayed, do not proceed; instead call 734-662-1600.

To get started, go to the First Time User link in the Online Banking Login area. Enter the information requested. Use a valid Bank of Ann Arbor account number. Your initial password is your Telebanc Personal Identification Number. Please note that if you forget your password, it will be sent to the e-mail address you provided when you opened your account.

Signing up for Online Bill Pay
To get started you gather up the following

• Your e-mail address
• Checkbook (to access your account number) or routing and account numbers
• Social Security number (so your provider can identify you as the user of the account)
• A recent bill for each company you wish to sign up to pay online

Click on CheckFree Bill Pay in the Online Banking login area. Select Enroll Me and follow the instructions from CheckFree. As part of the enrollment process, CheckFree will confirm your account number by submitting two deposits and one withdrawal to your account totaling less than $1.00. When you see them on your statement, sign on to CheckFree and enter the deposit information under the "My Account" tab. You are now ready to begin paying bills online.

Be sure to use the Sign Out button to exit a Bill Pay session. We also recommend that you empty the cache or temporary Internet files frequently. Check your browser's Help menu for instructions.

Important Notes About CheckFree Bill Pay.

• Bill Pay is a separate service from your online banking service. It is provided by CheckFree at no cost to you based on your account relationship with Bank of Ann Arbor. Should you experience any problems with the service, contact CheckFree Customer Care at 800-268-5652.
• You must enroll separately with CheckFree. Your username and password will be different than what you use for Online Banking. You create these yourself when you enroll.
• There is an extensive list of FAQs on the CheckFree Login/Welcome page.
• Tax payments and court-ordered payments are not recommended to be scheduled through CheckFree.

CheckFree Customer Care 1-800-268-5652

Signing up for Mobile Banking
To set up and start using Mobile Banking, log in to Online Banking. Select Options, then Mobile Banking Enrollment. Enter your mobile information, including your phone number, carrier/provider, and a 4-digit PIN number of your choosing. Click Submit. An Enrollment Complete message box will appear. A text message will be sent to your cell phone from info@boaa.com containing a secure link.

Click on the link in the text message to connect. Click OK to the security alert if prompted. Type in your Access ID (same as your Online Banking account) and the PIN number you selected in the Mobile Banking set-up process. A list of your bank account(s) will display. You have the option to show account balance, show pending transactions, view transaction history, transfer funds between Bank of Ann Arbor accounts, and view alerts if you have any set-up.

Request a New Link/One-Time Password
To request a one-time password before logging in to Mobile Banking, click the Mobile Banking link in any previous text message, or an old link that you may have saved as a favorite. On the log in page, select Cancel. You will get a new screen with the option One-Time Password (OTP). Click that button. Enter the Access ID and select Submit. Within a couple minutes you will receive a text message with your new OTP. Use that link to enter Mobile Banking.

If you do not have a previous text message saved, another way to get a new link/OTP is to enter Online Banking, select Options, Mobile Banking Enrollment, and then fill in the data again. You will be required to enter a new 4-digit pin; however, it can the same as your previous password if you prefer. This will then generate a text message with a new link/OTP.

Signing up for E-Statements
To receive account statements electronically, log in to Online Banking, select Electronic Statements at the bottom of the page, and complete the steps. Monthly, when your statement cycle ends, you'll receive an e-mail notifying you that your electronic statements are available for review in Online Banking. Then log in, select the account and view your statement under the Documents menu. Statements can be printed anytime. You'll have access to up to 18 months of statements for easy reference. It's quick, paperless, and free, so log in today to sign up.

Signing up for E-Alerts
To set up alerts to be notified by e-mail or text message of activity on your Bank of Ann Arbor personal checking or savings account, follow these steps.

1. Log in to Online Banking.
2. Select "NEW" from the Messages section.
3. Click the drop-down arrow to select an option (e.g. Saving Low Balance).
4. Click Next.
5. Select the Account.
6. Select desired options (e.g. account balance equal to or less than $100).
7. Enter the desired frequency to check (the recommended notification is every 24 hours).
8. Select how you wish to be notified (notification by text message will soon be an option).
9. Choose a password (it need not be the same as your online banking password, but you may wish to make it the same).
10. Click Submit.

Once set up, alerts cannot be modified. To stop receiving an alert, select Online Banking Alerts from the Messages section and select Delete next to the alert(s) you wish to remove.

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