40071

U.S. Bank Final 7/22/02 4:19 PM Page 1

U.S. Bank Internet Bill Pay Quick Start Guide

What’s inside

U.S. Bank Internet Bill Pay Quick Start Guide . . 3Security . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Enrolling in Internet Banking . . . . . . . . . . . . . . . 5Logging in to Bill Pay . . . . . . . . . . . . . . . . . . . . 6Payee & E-Biller Setup . . . . . . . . . . . . . . . . . . . 7Requesting E-bills . . . . . . . . . . . . . . . . . . . . . . 8Receiving E-bills . . . . . . . . . . . . . . . . . . . . . . . 9Scheduling a Payment . . . . . . . . . . . . . . . . . .10Scheduling Quick Pay . . . . . . . . . . . . . . . . . . .11Scheduling Repeating Payments . . . . . . . . . . .12Payment History . . . . . . . . . . . . . . . . . . . . . . .13My Profile . . . . . . . . . . . . . . . . . . . . . . . . . . . .14Quick Start Guide Overview . . . . . . . . . . . . . 15Help . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

Published by Murphy & Company, Inc.©2001 Murphy & Company, Inc.

www.mcompany.com

U.S. Bank Final 7/22/02 4:19 PM Page 2

U.S. Bank Internet Bill Pay Quick Start GuideWith U.S. Bank Internet Bill Pay, it’s safe, fast and easy to manage yourfinances on your terms. Now you can conveniently pay your bills from home,work or anywhere you have Internet access. Plus, you’re not limited to business hours—U.S. Bank Internet Bill Pay is open 24 hours a day, 7 days a week, 365 days a year.

• Pay anytime, online...with a fewclicks of the mouse!

• Set up repeating payments to be paid automatically at the frequency you specify.

• Schedule payments up to a year in advance of the due date.

• Receive bills electronically from leading merchants.

• Manage your money easily by downloading your payment information directly into Quicken® or Microsoft Money®.

• Contact customer service simply and securely.

3

U.S. Bank Final 7/22/02 4:19 PM Page 3

Security Let’s put it this way:

You’re 129,168,830,443,721,000,000,000,000,000,000 times morelikely to be struck by lightning than to have the security of your InternetBill Pay transaction compromised. That’s because U.S. Bank InternetBill Pay uses the highest standards of encryption available.

For more information, visit http://www.usbank.com/privacy.

It’s guaranteedYour U.S. Bank Internet Bill Pay transactions are protected by the same laws that protect youfrom credit card fraud, limiting your liability to amaximum of $50 for unauthorized use of youraccount. U.S. Bank guarantees your bills will be paid on time, as long as you enter the payeeinformation correctly.

4

U.S. Bank Final 7/22/02 4:19 PM Page 4

Enrolling in Internet BankingFire up your browser and go to www.usbank.com

Click on the red “Internet Banking” button(right side of page)

Click on “Enroll Now”

Click on “Personal Banking Customer”

5

What you need:

• Your ATM or debit card account number and PIN

• Your Social Security Number

• Microsoft Internet Explorer version 4.xor higher or Netscape Navigator or Communicator version 4.x or higher

U.S. Bank Final 7/22/02 4:19 PM Page 5

6

Then click hereto make yourfirst payment!

2Click herefirst, andtell uswho youwant topay.

1

Logging in to Bill PayGo to www.usbank.com and click on the red “Internet Banking”button. Enter your personal ID and password, and click “Submit.”

Select Bill Payment.

Guess what? You’re in U.S. Bank Internet Bill Pay.

Lost? Confused? Clickhere anytime for on-linehelp or FAQs.

3When you’re finished, click “Exit” to end your session.For security, U.S.Bank will automati-cally sign you outafter ten minutes of inactivity.

4

To get to this page, go towww.usbank.com/billpay and login to Internet Banking.

U.S. Bank Final 7/22/02 4:19 PM Page 6

7

Payee & E-Biller SetupA payee is any person or company to which youmake payments, such as your utility providers or your credit card companies. Some payees send youebills—electronic billing statements that save youeven more time.

What you need:• A bill or statement for each payee, showing your

account number and their address and phone number.

Enter in payee name, account number, address and phone number as it appears on your billing statement.

1

You will then be asked to confirm your payeesetup by re-entering your account numberand clicking “Add Payee.”

3

If the payee you added can deliver bills elec-tronically, you will be asked if you would liketo receive electronic bills (e-bills) from thispayee. Click “Yes” and follow additional steps.(For more information on requesting e-bills, see next page).

4

Click Continue. 2

U.S. Bank Final 7/22/02 4:19 PM Page 7

8

Requesting E-bills Some large companies can send electronic “e-bills” directly to your U.S. Bank Internet Bill Pay account. Youget the same information as on your paper bill, and youcan even store e-bills up to six months for easy online reference.

There are two ways to activate an e-bill—you can choose toreceive e-bills during the initial payee set up (see page 7) oryou can also set up an e-bill later.

Decide to receive e-bills after you’ve set up your payees?Click the “Payee & E-Biller Setup” tab and look at yourpayee list—click “Sign Up” to convert a payee to an e-biller.

1

Check this box and your e-bills will come to you, delivered directly to your e-mail inbox. Be sure to enter in your updated e-mail address.

2

Click here, and U.S. Bank Internet Bill Pay willautomatically pay this e-bill for you every month.You can even set a maximum dollar amount limit.

3

U.S. Bank Final 7/22/02 4:19 PM Page 8

9

Just like getting a paper bill in your mailbox, when you login to U.S. Bank Internet Bill Pay, you will be notified that you have a new e-bill. Or, if you have selected the option to receive e-bills via e-mail, you will receive an e-mail notification once the e-bill is ready for viewing.

Receiving E-bills

For more information on paying bills, see“Scheduling a Payment”

Click here to see your statement—just like a paper bill, but easier.

1

Click here to delete this e-bill.3

Click here to pay this e-bill.2

U.S. Bank Final 7/22/02 4:19 PM Page 9

10

Enter the amount due, as shown on your billing statement. 3

Select the account from which you’d like this payment to be made.2Use this pop-up menu to select your payee. If

you want to pay someone not on this list, clickthe “Payee & E-Biller Setup” tab to add them.

1

Enter the date on which yourpayment is due.

• If your payment is due on a weekend or holiday, schedule it for the nearest prior busi-ness day.

• It takes 4 business days toprocess your payment, so makesure to schedule payments atleast 4 days in advance. If yourpayment is due on Friday,schedule it by the previousMonday.

You can schedule a paymentup to one year in advance.

4

Scheduling a PaymentUse this feature to make a single, one-time payment to a payee—justlike writing a check!

U.S. Bank Final 7/22/02 4:19 PM Page 10

11

Enter the amount due for eachpayment as shown on yourbilling statements.

1

Enter the dates on which yourpayments are due.

• If your payment is due on aweekend or holiday, schedule it for the nearest prior busi-ness day.

• It takes 4 business days toprocess your payment, so makesure to schedule payments atleast 4 days in advance. If yourpayment is due on Friday, sched-ule it by the previous Monday.

2

Scheduling Quick PayUse this feature to pay multiple bills at one time. Your account information is already there—just fill in the amounts and payment dates. You can schedule payments up to a year in advance.

U.S. Bank Final 7/22/02 4:19 PM Page 11

12

If you’re paying up to a total amount, divide that total by the amount of eachpayment to determine the number of payments.

4

Select a Payee name.1

Enter in payment amount.2

Enter first payment date.3

Scheduling Repeating PaymentsUse this feature to pay regularly occurring bills for a set amount—your mortgage, tuition, or loan payments. Select a payee and fill in the amount, first payment date, frequency, and number of payments or indicate to pay until further notice. You can also specify a differentamount for the final payment. (See “Scheduling a Payment” for important notes on scheduling payment dates).

U.S. Bank Final 7/22/02 4:19 PM Page 12

13

Payment History Keeping track of payments is easy. Use this feature to view your payment history for the past 180 days.

Click here to review this e-bill.1

If the payment has not beenmade yet, you may change itby clicking here.

2

Click here to see when the payment was actuallyprocessed.

3

Sort your records easily by date, payee, category,amount or status.

4

U.S. Bank Final 7/22/02 4:19 PM Page 13

14

My ProfileView your personal data on the screen.

Add another checking or money market account.

1Add features to yourservice plan or changeyour billing plan.

2

To change personaldata click here.3

U.S. Bank Final 7/22/02 4:19 PM Page 14

15

Quick Start GuideLogging In• Login and go to www.usbank.com• Click on the red “Internet Banking” button.• Enter your personal ID and password and click “Submit.” • Select Bill Payment.• Forget your password? Call 1-800-USBANKS.

Setting Up Payees• Login to U.S. Bank Internet Banking and select

Bill Payment.• Click the “Payee & E-Biller Setup” tab and

“Add Payee” button.• Enter payment information as it appears on your

billing statement.• Use e-bills to receive bills electronically.

Paying Bills• First, login to U.S. Bank Internet Bill Pay and select Bill Payment.• Click the “Pay My Bills” tab and “Make a Single Payment.” • Use the pop-up menu to select a payee from your list.• Enter the payment date and amount, and select the account from

which to pay. Click “Continue” for confirmation.

Monitor your pending bill payments by clicking the “Payment History” tab.

HelpNeed help? Click at

the top right of your screento get on-screen help with

any feature. Or call U.S. Bankat 1-800-USBANKS.

U.S. Bank Final 7/22/02 4:19 PM Page 15

U.S. BancorpU.S. Bank Place601 Second Avenue SouthMinneapolis, MN 55402

First Class MailU.S. Postage

PAIDMAILCOM

U.S. Bank Internet Bill Pay

Quick Start

Guide

U.S. Bank Final 7/22/02 4:19 PM Page 16