Frequently Asked Home Banking Questions
Q: What is Home Banking?
A: Home Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.
Q: What can I do with Home Banking?
A: You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more. Check out the Home Banking Demo to see all the features of Home Banking and how you can personalize your online banking experience.
Q: Is any of my personal information stored in the Home Banking product?
A: Yes, the Home Banking product stores your User ID, password and user preferences. If you keep a stock portfolio, that information is also stored.
Q: How current is my banking information?
A: Your account information is updated immediately and posted to your account.
Q: What accounts will I be able to access through Home Banking?
A:You can access your checking, savings, shared certificate and loan accounts from the Home Banking service. Our Home Banking Product is intended to give you as much access, security, and versatility as possible.
Q: How much account information can I view at once?
A: The system will automatically show the current month's transactions and information. However, by selecting User Preferences, you can choose to view the current month and the previous month. Or, you can choose to view your account from the current date to same date of the previous month.
Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.
Q: What formats can I download my transaction history in?
A:Home Banking supports downloads to Quicken™, Microsoft Money™ or as a comma-delimited text file.
Q: Can I schedule future transfers?
A: Not at this time. But in the future, you will be able to schedule open, future and recurring transfers.
Q: When can I use Home Banking services?
A: With Home Banking, you have access to your account information 24 hours a day, 7 days a week!
Q: How many stocks can I track in my online portfolio?
A: Your online portfolio will track up to 20 stocks.
Q: How long can I be inactive before being logged out of the Home Banking product?
A: The inactivity time out default is set for 20 minutes. However, you can define the timeout period in the User Options area for 5, 10, 20, 45 or 60 minutes.
Q: What is required to use the Home Banking service?
A: All you need to use Home Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®, Netscape Navigator® or America Online®. You can use any computer that has Internet access.
Q: How do I access Home Banking?
A: To access Home Banking click on Home Banking-Login to Account. Sign on using your member number and PIN for CARLA (Convenient Audio Response Line Access). If you need a PIN for CARLA please contact the Credit Union.
Q: Can I create my own password that is easy for me to remember?
A: Yes, after you use your assigned password to log-in for the first time, you can go to User Options and change your password.
Q: What happens if I forget or lose my password?
A: Call us and we will take you through the steps needed to get back into the system!