New CBTC Digital Banking User Guide › Commercial Bank & Trust Company

New Enrollment

New Enrollment through Commercial Bank and Trust Online

Navigate to cbtcnet.com
Under ACCOUNT LOGIN, select Enroll Now

BROWSER/COMPUTER

Enter the requested information:
- Social Security Number
- A valid account number with CBTC
- Your email address

- A phone number listed on record with CBTC
(You must have access to this phone to complete enrollment.)

- Click Next

Enter the verification code sent to the phone number provided and click Verify *
If you cannot receive a text at this number, click “Try another way”. If you “Try another way” you have options to receive a phone call with your code, or to install the Authenticator app.
Accept the User Agreement
Create a Username and Password and click Next
Enrollment is complete!

New Enrollment through Commercial Bank and Trust App

Download Commercial Bank and Trust App from the App Store or Google Play
Launch the app and tap First-Time User? Enroll Now

Enter the requested information:
- Social Security Number
- A valid account number with CBTC
- Your email address

- A phone number listed on record with CBTC
(You must have access to this phone to complete enrollment.)

- Click Next
Enter the verification code sent to the phone number provided and click Verify *
If you cannot receive a text at this number, click “Try another way”. If you “Try another way” you have options to receive a phone call with your code, or to install the Authenticator app.

You will need to review the User Agreement and click Accept
Create a Username and Password and click Next
Create a 4-digit Passcode for the device Enable Face ID / ID if desired

View a brief tutorial
Enrollment is complete!

CBTC Mobile - Logging In
Existing Customers Verification Steps:

When Prompted download Commercial Bank and Trust Company App from the App Store or Google Play
- Enter your existing Username and Password and tap Sign in
- Enter a phone number where you can receive a call or a texted code to further secure your account, then click Next
Enter the 6-digit verification code sent to the number provided *
*If you cannot receive a text at this number, click “Try another way”. If you “Try another way” you have the option to receive a phone call with your code or to install the Authenticator app

- Create a 4-digit passcode for future logins
- Enable Face ID / ID if desired

Review the User Agreement and click Accept
View a brief tutorial
You are now ready to use CBTC Mobile!

Switching Profiles
Multiple profiles can be set up if you have more than one Login ID, or if more than one user shares a device.

Tap the Menu button (located in the upper left corner of most screens of the app)
Tap your name/profile picture located at the bottom of the menu and then the Switch Users button
Add or select a profile

CBTC Mobile - Customize the Dashboard
The CBTC Dashboard is organized into “cards.” Cards are elements that group information, features, and functionality into “boxes” that will resize or move around based on the screen size.

Change Card Size

Tap the “...” in the upper right corner of any Dashboard card
From the bottom of the screen, select a View to choose how much content is displayed in each card: Compact, Expanded or Total.

Add or Rearrange Dashboard Cards

Tap the “...” in the upper right corner of any Dashboard card
Or from the bottom of the screen, tap Organize Dashboard
Click and drag the card titles to re-arrange them
Tap the “+” icon in the upper right to add more cards
Or choose Add a Card from the bottom of the page

Remove Dashboard Cards

From the Organize Dashboard screen (above), click the X next to the card you want to remove

CBTC Mobile - Features
Accounts
View and manage your accounts, transactions, and available balances from the ACCOUNTS card. Flip through your accounts by swiping the balance card left or right.

Change Account Display Order

Change the order in which accounts are listed by pressing the “...” in the upper right of the ACCOUNTS card

Account Options

Press the account name for additional options such as depositing checks (Deposit) and viewing account Transactions

eStatements

Press the account name and tap Documents to enroll or view eStatements

Quick Actions

Under the accounts card, use the Quick Actions to make transfers, pay bills, deposit checks or start a conversation with our Customer Care team

Transactions (View, Search, Tag)

From the ACCOUNTS card, tap the Transactions link underneath the account's name to view transactions for that specific account
When viewing Transactions, click the magnifying glass in the upper right to search.
Tap any posted transaction to add a tag, note, or attach an image.

Add an External Account for Bank to Bank Transfer

Menu → Settings → External Transfers. Tap the “+” button in the upper right
- Enter your password for additional authentication
- Enter the details of the external bank (Account Name, Routing #, Account #, Account type) and click Submit
- Two small credits (less than $1.00) will be sent to the external account, as well as one debit for the total of the two amounts
- Once the deposits are received in the external account, tap
  Menu → Settings → External Transfers. (You may also receive an in-app message reminding you to Verify Amounts.)
- Select the recently added account
- Enter the amounts of the deposits and click Confirm
- Once confirmed, the account will be available in the Transfer option

Transactions
View combined transactions across all your accounts from the Dashboard TRANSACTIONS card.

If you prefer to view transactions one account at a time, go to the ACCOUNTS card and click the Transactions link
Some customers may prefer to remove this card from the Dashboard. See Remove Dashboard Cards.

Mobile Deposit
Deposit a check right from your phone or tablet using the DEPOSITS card on the Dashboard. *

Tap Deposit a Check

Enter the check amount

Tap to take a picture of the front of the check, Continue
Tap to take a picture of the back, Continue
Choose the deposit amount

Click Submit
Mobile Deposit functionality can also be accessed from the Quick Actions link on the ACCOUNTS card, or by tapping the account name on the ACCOUNTS card.

Transfers

Move money between CBTC accounts or accounts at other institutions using the TRANSFER card on the Dashboard *

Tap Make a Transfer
Select the “From” account and “To” account (eligible internal and external accounts will be listed)
Enter the amount
For an immediate one-time transfer, simply tap Submit **
To set a recurring frequency or a future date tap More Options
- Choose weekly, every two weeks, twice a month, or monthly
- Choose the start date
Tap Submit

*Transfer functionality can also be accessed from the Transfer link below the ACCOUNTS card, or by tapping the account name on the ACCOUNTS card.

**Internal transfers will memo post at any time; however, only funds transferred before 7:00 PM Central Time can be applied toward previous transactions.

Payments
Schedule and edit bills, add payees, and get an overview of recently made payments from the PAYMENTS card. *

Pay a bill

From the PAYMENTS card, tap Make a payment
Select your payee
If you have more than one payment account, select the “Pay From” account
Enter the amount and, optionally, a memo to display to the payee
Select the payment delivery date
Tap Submit

*Bill Pay functionality can also be accessed from the Bill Pay link under the ACCOUNTS card.

Edit a Bill Payment

From the PAYMENTS card, select the payment you wish to edit
Tap Delete to delete the payment; or
Tap Edit Payment to change the amount or date
Confirm your changes

Add a Payee

From the PAYMENTS card, tap Make a Payment
Tap the “+” symbol in the upper right of the screen
Enter your password for additional authentication
Enter the payee information and tap Continue
Confirm payee information and address and tap Submit

* Currently payees can be added but cannot be edited through CBTC app. This can be done through CBTC Online

under “Manage Payments”.

Messages

Display messages and alerts from CBTC right on your Dashboard on the MESSAGES card.
Banno left fly out menu messages option

CBTC Mobile - Settings Quick Reference

The Menu button (≡) is located in the upper left corner of most screens. The Menu will slide out from the left and provides access to Profile Switching, Settings, and many of the same features accessed from the Dashboard cards.

Add/Remove Accounts from Dashboard
Menu → Your Name → Settings → CBTC → Show in App/Show balance and activity

Rename Accounts
Menu → Your Name → Settings → CBTC → Rename

Alerts
Menu → Your Name → Settings → CBTC→ Alert Preferences*

*Users can set balance and transaction alerts based on low/high thresholds and can be alerted with a push notification and/or email.

Change Photo, Email, Phone Number
Menu → Your Name → Settings → CBTC → Tap your Name → Tap the pencil next to the image to add a photo, or → Tap Edit to update your email, address or phone number with CBTC

Change User Name, Password, Passcode, Face/ ID
Menu → Your Name → Settings → Security

Change Phone Number for Two-factor Authentication (Security Code)
Menu → Your Name → Settings → Security → Two-factor authentication

Remove Device Access
Menu → Your Name → Settings → Security → Recently Used Devices → Remove

CBTC Online - Logging In (Browser)

Navigate to cbtcnet.com
Click Account Login button in the upper right corner
Enter your current User ID and click Login

Enter your password and click Sign In

If this is the first login to CBTC Digital Banking: Enter a phone number where

you can receive a call or a text code to further secure your account, then click Next

If this is the first login to CBTC Digital Banking: Enter a phone number where you will receive a 6-digit verification code to the number provided* (If you are logging in from a personal secure device and would like Online Banking to skip this step next time, select Remember this computer.)
Enter the code and click Verify
*If you cannot receive a text at this number, click Try another way. If you “Try another way,” you have the option to receive a phone call with your code or to install the Authenticator app.

Review our User Agreement and click Accept
You are now ready to use Online Banking!

CBTC Online - Features

The CBTC Online Dashboard is organized into “cards.” Cards are elements that group information, features, and functionality into “boxes” that will resize or move around based on the screen size.

Accounts
View and manage your accounts, transactions, and available balances from the ACCOUNTS card on the Dashboard. If you have more than four accounts, use the arrows at the bottom of the card to view more.

Change Account Display Order

Change the order in which accounts are listed by pressing the “…” in the upper right of the ACCOUNTS card and choose Organize Accounts

Add an External Account for Bank to Bank Transfer

From the Transfers card, select “Make A Transfer”
- Choose Add account under “Make external transfers with another financial institution”
- Enter the details of the external bank (Account Name, Routing#, Account #, Account type) and click Submit

Two small credits (less than $1.00) will be sent to the external account, as well as one debit for the total of the two amounts

Once the deposits are received in the external account, select your name in the upper right of the screen to access Settings → External Transfers
Select the recently added account. (You may also receive an Online Banking message reminding you to Verify Amounts.)
Enter the amounts of the deposits and click Confirm
Once confirmed, the account will be available in the TRANSFER card

Transactions (View, Search, Download, Tag)

From the ACCOUNTS card, choose any account to see its Transaction activity
Search for transactions by clicking the magnifying glass in the upper right of the ACTIVITY card
Download transactions by clicking the down arrow in the upper right of the ACTIVITY card
- Choose a date range
- Choose a file type (CSV, TXT, OFX, QBO, QFX)
- Click Download
Select any posted transaction from the Transactions card to add a tag, note, or attach an image

eStatements

From the ACCOUNTS card, choose any account
Select Documents to enroll or view eStatements

Account Details

From the ACCOUNTS card, choose any account
See additional deposit or loan details on the DETAILS card

Transfers

From the Transfers card, select Make a transfer
Select the “From” account and “To” account (NOTE: Eligible internal and external accounts will be listed.)
Enter the amount
For an immediate one-time transfer, simply click Submit*
*Internal transfers will memo-post at any time; however, only funds transferred before 7:00 PM Central Time can be applied toward previous transactions.
To set a recurring frequency or a future date, click More Options
- Choose weekly, every two weeks, twice a month, or monthly
- Choose the start date
Click Submit

Payments

Pay a bill

From the Payments card, click Pay a bill*
Select your payee

To make a payment to more than one payee, select the “Multiple” tab
Enter the amount and payment date, and optionally, a memo to display to the payee
Click Submit

*The Pay a Bill option can currently be used to make a quick one-time payment and to add a payee. All other bill pay functionality can be accessed from Manage Payments on the Payments card.

Add a Payee

From the Payments card, click See more
Select + New Payee, then Add a Bill or Add a Person
Enter and confirm payee information and click Submit

Manage Payments

From the Payments card, click Manage Payments
Access comprehensive bill pay options, including editing or deleting payees and scheduled payments, managing recurring payments and viewing payment history

Messages
Display messages and alerts from CBTC right on your Dashboard on the MESSAGES card.

Transactions
View combined transactions access all your accounts from the Dashboard Transactions card.

If you prefer to view transactions one account at a time, select an account from the ACCOUNTS card

CBTC Online - Settings Quick Reference

Click your Profile Picture in the upper right of the screen to access Online Banking Settings.

Add/Remove Accounts from Dashboard/Show in App

Click your Picture → Settings → CBTC → Show in App/Show balance and activity

Rename Accounts
Click your Picture →Settings → CBTC → Rename

Alerts
Click your Picture → Settings → CBTC → Alert Preferences*

Change Photo, Email, Phone Number
Click your Picture → Settings → Profile→ Select the pencil next to the image to add a photo

Click Edit to update email or phone number at the Bank

Change User Name or Password
Click your Picture → Settings → Security

Change Phone Number for Two-factor Authentication (Security Code)
Click your Picture → Settings → Security → Two-factor authentication

Remove Device Access
Click your Picture → Settings → Security → Recently used devices → Remove