Comprehensive Guide to Personal and Business Banking Features

In today's fast-paced financial landscape, understanding the features of personal and business banking is essential for effective money management. This guide delves into the key functionalities offered by modern banking services, ensuring you can maximize your banking experience.

Personal Banking Features

Account Management

Efficient account management is crucial for tracking your finances. With personal banking, you can:

• View account balances, details, and activity across all your accounts.
• Access your free personal credit score and report to monitor your financial health.
• Apply for new accounts seamlessly through the banking app.
• Review statements and notices to stay informed about your transactions.
• Export transaction data for personal record-keeping or budgeting purposes.

Payments & Transfers

Making payments and transferring funds has never been easier. Personal banking features include:

• Send and receive money instantly with Zelle®, making peer-to-peer transactions simple.
• Transfer funds, pay bills, and send wire transfers with just a few taps.
• Utilize mobile check deposit to quickly add funds to your account without visiting a branch.

Security & Card Controls

Your financial security is paramount. Personal banking offers robust security features such as:

• Biometric sign-in options for supported devices, ensuring secure access.
• Instantly lock or unlock your cards to prevent unauthorized use.
• Set up and manage security alerts to stay informed about your account activity.

Rewards & Offers

Maximize your banking benefits with personalized rewards and offers:

• View and manage your credit card rewards to make the most of your spending.
• Discover tailored offers that align with your financial habits and preferences.

Self-Service Options

Convenience is key in personal banking. Access self-service features to:

• Locate nearby branches and ATMs for easy access to cash and services.
• Schedule travel notifications to avoid any disruptions while traveling.
• Explore additional self-service options to enhance your banking experience.

Business Banking Features

Payments & Transfers

Business banking provides essential tools for managing finances effectively:

• Pay bills and employees efficiently to maintain smooth operations.
• Send and receive wire transfers for quick and secure transactions.
• Utilize Zelle® for business payments, streamlining your payment processes.
• Send ACH direct deposits to ensure timely payroll and vendor payments.
• Take advantage of mobile check deposit for hassle-free banking.
• Edit or cancel payments as needed to maintain control over your finances.
• Review payment history for better financial oversight.

User Management

Efficient user management is vital for businesses. Key features include:

• Manage users and permissions to ensure secure access to your business accounts.
• Reset passwords and access as needed to maintain security.
• Receive personalized activity alerts to stay updated on account usage.

Invoicing & Getting Paid

Streamline your billing processes with these features:

• Create and send invoices directly from your banking platform.
• Share payment links and QR codes for easy customer transactions.
• Accept various payment methods, including cards, ACH, and Apple Pay.

Security & Authorization

Protecting your business finances is crucial. Business banking offers:

• Biometric sign-in for secure access to your accounts.
• Multi-factor authentication (MFA) to enhance security measures.
• Enable dual authorization for added security on transactions.
• Manage alerts and secure messages to stay informed about account activity.

Getting Started with Mobile Banking

To utilize mobile banking features, ensure you meet the following requirements:

• Have a deposit, loan, line of credit, or credit card account with Vectra Bank.
• Possess a compatible mobile device and a U.S. phone number.
• Be connected to Wi-Fi or a mobile internet data service.

For any inquiries or support, feel free to reach out via email at MobileBankingCustomerSupport@zionsbancorp.com.

Note: Message and data rates may apply. Please check with your carrier for details. Mobile Banking requires enrollment in Digital Banking, and fees from your wireless provider may apply. Refer to the applicable Rate and Fee Schedule for more information.

Understanding the features of personal and business banking can significantly enhance your financial management. By leveraging these tools, you can ensure a more efficient and secure banking experience.