ONLINE BANKING AND BILL PAYMENT FROM SALEM CO-OPERATIVE BANK

Now you can access your Salem Co-operative Bank accounts online, and save time and money while

you do your banking!   Banking Online with Salem Co-operative Bank is Safe, Secure, Reliable and Free.

• Save on Stamps - Free bill payment services elimates the cost of a postage stamp.

              Think about how much money you could save in stamps over the course

              of a year.

• Save on Checks - Start paying bills online and you'll use a lot fewer checks than you currently do.

• Save on Time - It can take a lot of time each month to write checks and mail your bills.  With our                  online bill payment service, you can pay bills with a click of your mouse.

• Save on Headaches - Set up automatic payments through our online bill payment service and you'll           never miss one again.

Best of all, you can access your Salem Co-operative Bank accounts 24/7 from virtually anywhere you can               get online, whether you are at home, at work, or traveling.  Get started today!

STEP 1

• Go to www.salemcoop.com
• Select Enroll
• Select Enroll Online
• Read Access Agreement.  To close Access Agreement, select red box with x in upper right                        hand corner or in upper left corner, select File, Close.  Click on Agree if you wish to continue.
• Complete the form.
• Select Continue
• NOTE:  If you do not have a printer, when the Enrollment Agreement comes up, click Continue. 

              Then call us at (603) 898-2153 so we can provide you with an Enrollment Agreement to sign.

• Print Enrollment Agreement (If form does not print, go to upper left corner of screen and                           select File, Print).
• Select Continue
• You should see on your computer screen "Thank you, your request has been submitted".

STEP 2

• Sign the form you printed and mail to: 

Salem Co-operative Bank

Attn:  Electronic Banking Coordinator

P.O. Box 67

Salem, NH 03079

STEP 3

• Once Salem Co-operative Bank receives the signed form, you will be sent a password through

              e-mail to get you started in Online Banking.  Please contact us if you need further assistance

              or click on HELP or FAQ (Frequently Asked Questions).

• Pay bills online
• Add, remove and edit your accounts
• Add transactions online to your checking account register
• Create and edit categories for checks in your online check register
• Request stop payments
• Research your account transactions
• Create reports
• Transfer funds
• Send us e-mails via secure Mailbox

TO BEGIN PAYING BILLS ONLINE:

• Once you are enrolled in Online Banking, you may sign up for the bill payment service anytime

              you wish.   A Salem Co-operative Bank checking account is all that is required for our bill

              payment service.

• It's easy!  Select Bill Payments located on the left side of your screen.  Select Agree to enroll.                     You may immediately start using the bill payment service.

HOW TO SET UP YOUR PAYEES IN BILL PAYMENTS:

• Select Add Payee.  Type in the Payee's name.  Click on Create New.  Complete the

              address, city, state, and zip code, payee's telephone number, and your account number

              with that particular payee.  Select Submit.

• To add another payee, select Create New and complete the information.  Click Submit.  Continue               until all your payees are set up.  You only have to set up your payees once!  You may add or delete      payees at any time. 

WITH BILL PAYMENTS YOU MAY:

• Set up a one-time payment
• Set up a one-time future dated payment
• Set up an automatic/recurring fixed payment to be paid on a certain date
• Set up and pay multiple bill payments

WHEN YOU ARE READY TO PAY A BILL:

• Click on Bill Payments, then select Add Payment or Multi Payments.
• Find the payee you want to pay, and type in the amount you want to pay.

              (In Multi Payments you can pay one or more payments at the same time)

• Select Continue.  The screen will show you the payee and amount you requested.

              Select Continue if this is correct.

• Select Accounts, and your checking account.  The register will show the deduction

              for Bill Payments with the word Online in the check number box.

Please note:  Each payment made by Online Banking will be processed either by electronic funds

                       transfer or by paper check.  If the payment is made through electronic funds transfer,

                       it will take 1-3 business days for the payment to reach your payee.  Payments made

                       by check, however, will be delivered via the U.S. Postal Service.  Delivery could take

                       5-7 business days or longer depending on where the payment is to be sent.  The

                      safest thing is to always schedule your payments at least seven business days ahead

                      of the date they are due.  This will help to ensure that the payment will be made and

                      processed on time. 

                      Please click on HELP for step-by-step directions for any Online Banking and Bill

                      Payment choices.  Or click on FAQ for answers to questions you may have.

                      Of course, we always welcome a phone call or a personal visit from you.  Our Customer

                      Service Representatives are always ready to assist you.