| E-Services FAQ |
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MembersOwn CU’s home banking is called e-Branch. From our home page or any of the pages on our website (www.membersowncu.org), click e-Branch link. You need to have your password already established. If you currrently do not have a password already established for e-Branch, call or contact either Credit Union office.
I’m locked out – how do I unlock myself? On the e-branch login page, there is a link to unlock yourself. If you are unsuccessful there, call either of the offices during normal business hours.
Why do I need to answer Security Questions? Fraudsters attempt to trick people into giving up their personal information, such as passwords and account numbers, by creating fake Web sites that look a lot like the real Web sites. This is called phishing. Your Validation Questions and answers are a simple countermeasure to these attacks, as well as protection against other forms of identity fraud.
Can anyone else access my account information? No. Your account information is available only via secure access by using your User ID and Password. The information is not public. Unless you share your Password, no one else can access your account information. Security Tips: These tips can help ensure the privacy of your account information:
What transactions are available via Home Banking? With Home Banking, you will have access to view all of your accounts at MembersOwn including loans, perform transfers to and from MembersOwn Credit Union and other accounts you have elsewhere, view copies of your checks, view statements, create alerts for yourself, sign up for mobile banking, sign up for e-Bill Pay and pay your bills through e-Bill Pay.
How do I see current activity on my account? Click on each account suffix (i.e. Checking 05). This will bring in the last 30 days of history. If you need to go back further, you can enter a specific date range. Members who have elected to receive e-Statements, can access their account statements for up to 10 years previously under Archived Statements.
How do I apply for a loan online? If you are within e-branch (home banking) you may click on the e-Loans tab and start an application. If you are not signed up for e-branch, you may still apply for a loan online by clicking on the Apply for a Loan link on the e-branch login page.
e-notices are a way to receive notices you would normally receive via US Mail within e-branch. You can quickly receive your certificate maturity and renewal notices, overdraft transfer notices and checking NSF notices through e-branch.
You can receive your monthly or quarterly statements online instead of a printed statement. You will receive the statement quicker and the statement will be saved in your archives within e-branch.
e-alerts allow you to better manage your finances by being informed of important activity on your account. You may alert on items such as Deposits, Withdrawals, Check Clearing, or setup to be reminded of a special event or occasion. Sign up for e-alerts through the e-branch tab.
e-bill pay (BillPayer) is our internet bill payment service available FREE to all members with checking accounts. You can initiate payments to any vendor within the United States.
How do I enroll for e-bill pay? First, you must be enrolled in e-branch (home banking). Click on the "BillPayer" button located in the top tool bar of the Home Banking page. You will be required to read and agree to a disclosure agreement before the enrollment process may continue.
How much does e-bill pay cost? BillPayer is free! However, if a member doesn’t use the service for 90 days after signing up, they are subject to having the service discontinued.
Once I enroll in e-bill pay, how soon can I start to make payments? Immediately once Payees are created! |
