Index Of Topics

• System Requirements
  
• Types of Activity
  
• Getting Started
  
• If You Need Help
  
• Account Details - Accessing Account Information
  • Account List
  • Checking account Inquiry
  • Demand Deposit Loan (DDL) Account Inquiry
  • Savings Account Inquiry
  • Certificate of Deposit Inquiry
  • Loan Account Inquiry
    
• Transactions - Reviewing Transaction Activity
  • Fund Transfers
  • Establishing a Transfer
  • One-Time Transfer
  • Change an Established Transfer
  • Skip a Scheduled Transfer
  • Transfer Frequency
    
• Additional Resources
  • Exporting Transaction Information
  • Logout Button
    

Welcome to the Online Banking User Manual

You are about to transform your personal computer into a branch office of Badger Bank. With some help from the Internet, you will have access to your accounts in a completely secure environment. From your home or office, you will be able to do everything from reviewing your balances to transferring funds.

If you are comfortable using your Internet browser, you will be comfortable with this personal banking product. Online Banking is a dynamic tool for financial management.

Security is extremely important when it comes to your financial matters. Complete privacy, controlled through encryption and passwords, ensures only authorized access to your accounts.

System Requirements

A personal computer with Internet access is all that is required to get started. For your Internet browser, you will need either Internet Explorer 4.01 (or greater) from Microsoft Corporation, or Netscape Navigator 4.0 (or greater*). For the best view, set your screen resolution to 800 x 600 pixels. To download the latest browsers available, please click on one of the links below:

Internet Explorer 5.0	Netscape 6
Win95/98/NT	Win95/98/NT
MacPPC 8 or later	MacPPC 8 or later

Types of Activity

Summarizing Account Information, you can view a list of all your accounts at Badger Bank 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 Intuit Quicken).

Getting Started

To get started, click on the First Time Users button, enter your account number as the Access ID and your temporary password given to you by the bank. After that, you will be prompted to change your Access ID and your Password. You can then use any combination of numbers and letters, from six (6) to ten (10) characters long.

If you forget your Access ID and Password, contact Badger Bank at (920) 563-2478.

If You Need Help

Online Banking is designed to be functional and easy to operate. You will find that the windows and buttons are very easy to navigate. Soon you will be browsing through your account information.

At any time along your Online Banking journey, if you would like an explanation of any of the functions available through Internet banking, just click on the help button to access this user's manual.

Account Details - Accessing Your Account Information

Account List
Click the "Accounts" button to view a list of your accounts. All accounts associated with your User Code and Password will be categorized in the account list. The account list includes:

• Account numbers

• Account balances
• Account descriptions
• Types of accounts (Checking, Savings, Certificates of Deposit, Debit Cards, Loans)

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.

Checking Account Inquiry
For Checking Account Inquiries, click the "Accounts" button and then click on your checking account number from the account list. Your Checking Account Inquiry is separated into three sections; Current Balance, Interest Information and Activity Information. Interest Information includes:

• Interest paid current year
• Interest paid last year
• Rate (current interest percentage rate on the account)

Activity Information includes all credits and debits on the account as well as:

• Balance last statement
• Amount of last deposit or credit
• Amount of last check or debit
  

Demand Deposit Loan (DDL) Account Inquiry
For DDL Account Inquiries, click the "Accounts" button and then on the DDL account number from the account balance list. Your DDL Account Inquiry is separated into four sections: Current Payment Information, Last Payment Information, Other Balance Information and Credit Information.

Savings Account Inquiry
For Savings Account Inquiries, click the Accounts: button and then click the Savings account number from the account balance list. Your Savings Account Inquiry is separated into three sections; Current Balance, Interest Information and Activity Information.

Certificate of Deposit Account Inquiry
For Certificate of Deposit Account Inquiries, click the "Accounts" Button and then on the Certificate of Deposit account number from your account number list. Your Certificate of Deposit account is separated into three sections: current Balance, Interest Information and Maturity Information.

Loan Account Inquiry
For Loan Account Inquiries, click the "Accounts" button and then click on the Loan account number from your account balance list. Your Loan Account Inquiry is separated into four sections: Current Payment Information, Other Date Information, Other Balance Information and Escrow Information.

Transactions - Reviewing Transaction Activity

The Transaction List provides a list of all transactions associated with your selected account. From an account information window, click "Transactions" to review a list that includes the following headings:

• The Description:
  identifies the type of transactions performed. For example, a transfer 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 Date:
  identifies the date the transactions occurred
  
• The Balance:
  reflects the difference between the debit total and credit total of an account.

To display a presentation of our account transactions click the appropriate button.

• 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 start of the current quarter (Saving's Accounts Only).
  
• Date Last Interest:
  will display transactions that have occurred before interest has been calculated.
  
• Export Transactions:
  will display transactions that have not been exported.
  

Fund Transfers

Transfers
Funds can be transferred between accounts within Badger Bank. To review your transfers, click the "Accounts" button, select the appropriate account, then click the "Transfer" button. All transfers set up on your account are conveniently listed. 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
• The Next Transfer Amount to be made.
• The Next Date the transfer is to be made
• The Last Amount sent.
• The Last Date the transfer was made to this account.
• Frequency
• Remaining Transfers
• A Description of the transfer

Establishing a Transfer
To establish a transfer, click the "Accounts" button then click on the account you want the scheduled transfer to come from and click the "Transfers" button. Transfers can occur either one time or on a recurring basis. For a one-time transfer click the "One Time Transfer" button for more information. For a recurring transfer click the "New Scheduled Transfer" button.

1. Select the Account Number that you want to transfer the money to from the drop-down list box.
   
2. Select the Transfer Frequency from the drop-down list box. The frequency drop-down list box includes the following options: On-demand, Weekly, Biweekly, Monthly, Bimonthly, quarterly, Semiannually, Annually.
   
3. Enter the Amount that you want to transfer.
   
4. Enter the Date on which the transfer will occur.
   
5. Enter the Number of Remaining Transfers. (optional)
   
6. Enter a Description of the transfer.

Click the "Submit Transfer" button to complete the request and receive a confirmation number.

One-Time Transfer
To perform a single transfer, click the "Accounts" button then click on the account you want the one time transfer to come from and click the "Transfers" button. Select the "One Time Transfer" button and the transfer window will appear. From the drop-down list box, select the account you want to transfer funds to and enter in the amount. Click the "Transfer" button to complete the transfer.

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 Transfer (optional)

• The Description of the transfer

Click the "Update" button to complete your request.

Skip or Disable 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 or disable. Change the transfer amount to zero. Change all three of the date fields to the blank option (it is the first choice in each pull down menu). Then click the "Update Transfer Information" button to complete your request. This will skip or disable the current transfer. You will need to reestablish the transfer amount and date prior to the next scheduled transfer.

Transfer Frequency
The Transfer Frequency is used to determine how often the transfer will be made. The frequency drop-down list box includes the following options:

• On-Demand (Payment will occur once, based upon the next transfer date.)

• Monthly

• Quarterly

• Semi-annually

• Annually

• Weekly

• Bi-weekly

• Bi-monthly

Select one of these frequencies when establishing a new transfer, or changing an established transfer.

Additional Resources

Exporting Transaction Information
Export transaction information for use with a personal finance application, such as Intuit Quicken, Microsoft Money, Windows Clipboard or QuickBooks. To Export transactions into a personal finance application, click the "Export" link at the end of the transaction list. From the Select Export Format drop-down list box, select the appropriate file type from the following list:

• Comma Separated File (.CSV)

• Intuit Quicken (.QIF)

• Microsoft Money (.OFX)

• Intuit Quickbooks (.IIF)

Then click the "Export" button to complete the process.

Home Button
When you click on the "Home" button, your session will be closed and your browser is automatically redirected to our main page at www.badgerbank.com. This will logout your session. You will need to re-login in order to do any additional things with the online system.