Important Updates

Exciting News for our Mobile Banking App Consumer Customers! You now have the capability to RESET your password on your mobile phone without having to Sign-On to a computer.

Please note that if you are LOCKED OUT of online banking on the computer or the mobile app, you must contact the bank to be unlocked, or wait for an email stating that you have been unlocked.

How to CHANGE your password on your mobile phone:

• Click the link on your mobile phone to change your password. The Change Password page displays.
• On the Change Password page:
  
  
  1. Type your current password in the CURRENT PASSWORD field.
  2. Type your new password in the NEW PASSWORD field.
  3. Retype the new password in the CONFIRM NEW PASSWORD field.
  4. Click Continue.
• The Change Password Complete confirmation page displays. Click Continue.

How to reset your EXPIRED password on your mobile phone:

• When the Mobile App detects your password is expired, the New Password Required page displays:
  
  
  1. Type your new password in the NEW PASSWORD field.
  2. Retype the new password in the CONFIRM PASSWORD field.
  3. Click Continue.
• The New Password Complete confirmation page displays. Click Continue.

If you FORGET your Mobile App password and need to reset it on your mobile phone:

• Click the Forgot your Password? Link.
• On the Forgot Your Password – Retrieve Step 1 page:
  
  
  1. Type your ID in the SIGN-ON ID field and the email address you registered with the Mobile App in the EMAIL ADDRESS field.
  2. Click Continue.
  3. An email containing a one-time password will be sent to your email address.
• On the Forgot Your Password – Retrieve Step 2 page:
  
  
  1. Enter the one-time password you received via email.
     
     Note: The one-time password must be entered within the time interval specified in the email. If the time period elapses prior to using the password, click the request a new one-time password link to receive a different one-time password via email.
  2. Click Continue to complete this process.
• If the one-time password is entered correctly in Step 5, the Password Retrieve Succeeded page displays. Click the Return to Sign-On page link to return to the Sign-On page.
  
  A second email is sent to the email address you registered in the Mobile App with a temporary-generated password.

• On the Sign-On page:
  
  
  1. Type your ID in the Sign-On ID field.
  2. Type the temporary-generated password you received in the second email.
  3. Click Sign-On.
• The New Password Required page displays, prompting you to reset your password.

Embassy is excited to launch the newest version of its mobile banking app for businesses. Along with the existing functionality, users will now also be able to use the bill pay feature directly through the app and will have higher limits on remote deposit capture. ACH and wire transfers can also be approved and released accompanied by alerts when they are received. TouchID log-in is available as well.

For more information on all of the features available, please call 610-882-8800.

As of April 9, 2018, business customers will no longer need to sign into a separate Business Bill Pay site. When signing into Anytime Banking, they will now have access to Bill Pay with two easy clicks. Simply click on the Cash Management Tab and then Pay My Bills. From there, they will be immediately be directed to the bill pay payment center.

In order to have the upgrade go live, the following will occur and impact Bill Pay users:

• The Business Bill Pay site will be unavailable from 5:00 pm on April 6th until Monday, April 9th.
• All previously scheduled payments will be processed.
• Any payments set up by a sub-user in an “approved” status will not be processed.
• The Sign-On ID and password currently used to access the bill payment system will no longer be required.
• The only Sign-On ID and password needed are their existing Anytime Banking (Online Banking) credentials.
• All bill payment history will remain intact.
• Sub-users will NOT be moved over. Any sub-users will have to be manually set up by their Administrator. For directions or help in setting up sub-users in the new system, call 610-882-8800.
• All active checking accounts will now appear in their bill payment profile.
• Customers will now have the ability to add new accounts to their bill payment profile directly.

For more information, contact us at 610-882-8800 with any questions.

1099 tax forms for 2017 are now available through Online Banking and E-Statements. Current Online Banking users that have signed up for E-statements will see their Tax Documents appear underneath their bank statement immediately.

If you use Online Banking, but have not yet signed up for E-statements, simply click on the Statements link on the upper left-hand side of your screen when you are viewing your accounts. You will be prompted to accept the terms and conditions. Once you hit the accept button, your 1099 tax documents will appear.

If you are not a current Embassy Online Banking customer, simply click the following link to get started.

Enroll Today

The latest CardValet release is available for download and contains a number of great new features. We recommend that CardValet users set their mobile device to automatically download newly-released versions of the app to ensure they are using the most up-to-date functionality. The app will automatically update for cardholders who have the automatic download functionality enabled. Cardholders who set their mobile phones to download updates manually will need to download the updated version before they are able to access the new functionality.

CardValet Application Enhancements Included in the Release:

1. iPhone Touch ID and Android Fingerprint Support

We are pleased to share that CardValet will support iPhone Touch ID and Android Fingerprint (collectively termed Touch Login) for devices enabled with this option.

The option to set up Touch Login is available to new cardholders registering for the service, as well as to existing cardholders when they download/update to the newest version of CardValet. The option to enable TouchID/Fingerprint is available on the login screen.

Once the cardholder selects the option and successfully logs in with a username and password, the TouchID/Fingerprint is enabled. When Touch Login is enabled, cardholders are prompted with the Touch ID/Fingerprint option when they try to log in. When a match is found with the fingerprints stored on the phone (authenticated by the operating system), the cardholder is logged in to CardValet.

Cardholders can disable the Touch Login option at any time in Mobile App Settings or on the login screen.

2. Enhanced Location Controls

The following enhancements for Location Controls and Alerts are made in this release:

• The app will allow multiple My Location settings when more than one user shares a common card number. Each user will be able to set their own My Location setting in the app.
• Previously, if international preference was set, CardValet users couldn't set My Location and My Regions controls and alert preferences. This restriction is removed in this release.
• When setting Block International Control preferences, CardValet users will be given the option to add up to 5 selected allowed countries. These changes can be performed by CardValet users at any time.
• If a CardValet user adds allowed countries in Block International Control preferences for a card, in-store transactions made in countries added to the selected list will be approved. Transactions made in countries outside of the selected list will be denied. NOTE: This will not overrule any FI established blocks/rules.

3. International: User Defined Country of Residence

This new feature will allow the cardholder to define their country of residence, when it's different from United States (the FI-established default), which will lessen the likelihood of denials due to location. This is especially helpful for active military or families that are stationed abroad, as they may conduct transactions both in their location as well as at home in the United States. Note the following regarding country of residence set-up:

• International Location controls/alerts must be enabled.
• United States is the default country of residence for each cardholder, unless modified.
• Cardholders can add/modify the country of residence in both Alert and Control preferences. Modifying the country of residence in Alerts will also apply to Controls and vice versa.
• The International Location control will consider the cardholder-provided country of residence to be the primary/home country (instead of United States) and any card-present transactions made out of the country of residence will be denied.
• Changing the country of residence on a shared card generates a notification to other shared card users.

4. Enhanced Push Notification Message for Denials

Currently, when a push notification message is sent to the user's primary device for a denial, there is no denial detail included. With this release, the push notification will include a reason for denial. This will assist the user with understanding why the alert occurred and what action is necessary to perform a successful transaction. Example: Denied charge for $5.50 on 12/11 01:43 EST at MERCHANT, Anywhere, ST. Denied due to Transaction Not Permitted, Card Off for Debit card ending in 1234.

5. Enhanced Mobile App User Experience

CardValet's user experience is being enhanced and updated in the upcoming release. The existing features and flows have not changed, but the user interface is being revamped with a new look. Some of the highlights include:

• Distinct user interfaces for iOS and Android. The redesigned user Interfaces will follow the recommended style guidelines set forth by the operating systems and will provide cardholders with a consistent experience.
• Labels will be changed to provide more clarity.
• Card Details screen will display a section of the next available card, when multiple cards are associated with a single account.
• Screens will only have one action button so cardholders are focused on the primary path.
• Visibility of description even when the feature is turned off, so cardholders understand the feature.
• Prominent transaction status displayed on transaction receipts.
• "Preferred" alerts will be called "Selected" alerts in the Alert Preferences screen.

6. Supported Devices and Operating Systems

In general, CardValet supports the most recent hardware and operating system versions for both Apple and Android devices. CardValet also supports the two previous versions of operating systems for both device types.

The newest release of CardValet will not support iPhone 4 and 4S devices. The application may still function, however, we will no longer do functionality testing on these outdated devices.

What is the Mastercard^® Automatic Billing Updater?

The Mastercard^® Automatic Billing Updater ("ABU") is an automated solution that helps to ensure uninterrupted service for cardholders and uninterrupted payments by updating card-on-file ("COF") information for automatic payment arrangements. This program helps to reduce COF transaction declines due to changed debit card numbers and/or expiration dates.

What kind of Card-on-File ("COF") merchants participate in this service?

COF merchants that keep cardholder's card numbers on file for automatic payment arrangements may include phone companies, cable services, utilities, music subscriptions, magazine subscriptions, gym memberships, Insurance companies, recurring charitable donations, shopping networks, and more.

When will this service be available to cardholders?

The Mastercard^® ABU Service is available for debit cards beginning in October 2017.

Why is this service being offered to cardholders?

The Mastercard^® ABU Service is required by Mastercard^® for all consumer and business credit and debit cards.

How does the Automatic Billing Updater service work?

Cardholders generally have COF or automatic payment arrangements set up with a merchant(s). When account changes are made to a cardholder's account—for example, a debit card account number has been changed or an expiration date has been updated—cardholders often do not advise merchants about changed account information, which causes recurring payments to be declined as well as an inconvenience to customers. The Mastercard^® ABU Service allows the updated information to be provided to participating merchants on behalf of the customer resulting in fewer declines.

What are the benefits of the Mastercard^® ABU Service?

• Reduces "card not present" declines
• Helps to ensure on-time bill payment
• Provides better customer service
• Prevents late fees and service disruption
• Greater convenience for cardholders

Can customers decline or opt out of this service?

Yes. A customer can request to opt-out of this service by completing the Mastercard^® ABU Opt-Out Form found here. Once complete please return the form to us using one the methods listed below:

Mail:
Embassy Bank
Attn: ABU Opt-Out
P.O. Box 20405
Lehigh Valley, PA 18002-0405

Fax: 610-691-5600

Email: ABUOptOut@embassybank.com

In Person: at any of our convenient locations

However, note that by opting out, you would lose the above-mentioned benefits.

Will all of my payment information be automatically updated?

No. The Mastercard^® ABU Service is only available at participating merchants. Merchants can choose the frequency at which they check for updated payment information. To avoid late payments and penalties, customers must check with their merchant to ensure their card information has been updated.

Do you have a list of participating merchants?

No. Participation in this service is at each merchant's discretion, and Embassy Bank does not have a merchant list.

What if I do not update my debit and credit card information with participating merchants?

Automatic payments will be declined and merchants may charge customers a late fee.

WHAT ARE SAME-DAY AUTOMATED CLEARING HOUSE (ACH) ELECTRONIC PAYMENTS?

The financial services industry continues to modernize systems that allow deposits and payments to move at a faster pace. Effective September 15, 2017 ACH electronic payments can be applied against your accounts the same day that you initiate or authorize the transaction. Electronic ACH payments, such as: on-line bill payment, internet payment sites, account-to-account transfers, paper checks converted and processed as an ACH, and telephone payments (excluding debit card transactions), are now eligible to be processed on the same day they are initiated. You should have sufficient funds available in your account to cover every payment at the time you initiate the transaction. We recommend that you frequently review your account statements and transactions.

WHY IS EMBASSY BANK MAKING THIS CHANGE?

Effective September 15, 2017, ACH payments can post on the same day they are initiated. This change affects all financial institutions that use the Automated Clearing House (ACH) Network.

WHAT ARE THE BENEFITS OF SAME-DAY ELECTRONIC PAYMENTS?

Same-day payments will speed up payments to merchants and billing companies that allow you the option to make a same-day electronic payment to pay a bill or transfer funds. In those cases, the merchant or biller intends to collect the funds as quickly as possible. Those funds will be deducted from your account that same day. When making a same-day payment, you must be sure sufficient funds are available in your account to cover the payment the day the transaction is initiated.

HOW WILL I KNOW IF A PAYMENT IS SAME-DAY?

When you make a payment to a company they should inform you of the timing of the payment. If the company offers you the option to make a same-day payment, it might be referred to as a same-day payment, or noted that they intend to collect the funds as quickly as possible.

DO I HAVE TO MAKE PAYMENTS AS SAME-DAY?

Not necessarily. On-line Bill Payment and Internet Payment Sites typically allow you to choose the effective date of that payment. Paying a date in the future may be another option.

WHAT ABOUT RECURRING PAYMENTS?

If you have pre-authorized or recurring electronic payments you should be unaffected by this change. Those payments will continue to post against the account on the normally scheduled date of the transaction.

WHAT DO I NEED TO DO?

Prior to September 15, 2017, ACH transactions may have taken up to two days to clear your account. After September 15, 2017, those same transactions may be deducted from your account the same day you authorize or initiate the transaction. You should have sufficient funds available in your account to cover every payment at the time you initiate the transaction to avoid incurring overdrafts and related fees.

WILL MY DIRECT DEPOSIT BE AFFECTED?

No. Your direct deposit will continue to be credited to your account on the effective date.

If you have any questions, please contact Deposit Operations at 610-882-8800.