Frequently Asked Questions Q: Is there a cost for using Home Banking? A: No.  Our Home Banking is provided to you as a service to enable you to review your account, transfers funds within the account and to view/print/download copies of checks that have cleared your account.  (Access to your paid checks is actually a savings for you.) Q: What type of browser do I need to access this service? A: You will need Internet Explorer 6.0 or higher, or Netscape 7.0 or higher.  For the best performance we encourage you to keep your browser's software up-to-date with the newest versions.  These upgrades are provided free of charge.  Simply visit www.microsoft.com and look for "Downloads", or visit www.netscape.com and locate "Downloads of the Day". Q: Can I access this service by using MSN, AOL, WebTV, etc.? A: Any method of accessing the public Internet will work fine as long as the browser requirements stated above are met. Q: Can I set this service up myself or does ECU need to enroll me? A: Home Banking is self-enrolling after receiving your intitial temporary PIN from the credit union. Step-by-step instructions are provided on the "Enter Home Banking Page". Q: My spouse and I both use the same account with the credit union; will we need to set up separate Passwords? A: No, joint membership allows for equal access to the credit union account.  All joint owners will use whatever Username and Password is set up at enrollment. Q: How secure is this site? A:  Multiple firewalls, an Intrusion Detection System, and a dedicated data line that connects our database to an offsite server protect ECU's Home Banking site.  Additionally, your credit union utilizes an outside, third-party vender to perform quarterly Remote Vunerability Assessments. Q: When I perform a transaction on Home Banking when will it post to my account? A: Whenever you initiate a transfer between savings, checking, money markets, lines-of-credit or loans, the transaction is posted immediately. Q: How far back in history can I retrieve a paid check copy? A: You can view up to the last 180 (one hundred eighty) calendar days of paid check copies and account history.  For history and check copies past the 180 (one hundred eighty) calendar days you need to contact the credit union.  (We recommend that you send a message through the Secure Message Center located on the Home Banking page.) Q: Can I download my account history to Microsoft Money or Intuit Quicken? A: Yes.  Any version of Microsoft Money can be used.  For Intuit Quicken only versions supporting .QIF files can be downloaded.  (Version 2004 or older).  We do not support Intuit Quicken Version 2005 or higher, which require a .QFX download. Q: Why does my session occasionally time out? A: The system is set to automatically time out after 20 (twenty) minutes.  This is for your security; in the event you have to leave your computer, someone else cannot come behind you and access your account.  This "time out" can be customized by going to the "Settings & Services" tab on the Home Banking page and choosing another time frame for an automatic log off. Q: When I originally enrolled I accepted the "Terms and Conditions" on Home Banking.  I have noticed that occasionally I have to accept them again, why is this? A: Anytime changes are made to the "Terms and Conditions", whether by a change in ECU policies or necessitated by State or Federal Regulations, the "Terms and Conditions" must be accepted again.  This should be an infrequent occurrence. Q: Is additional help available? A: Yes, you have 4 (four) available ways of accessing help.  They are:       * Use the Help button on the site.       * Send a message to ECU Home Banking from the Message Center on the Home           Banking site       * E-mail ecufinancial@ecudallas.org       * Contact the e-Services Department at ECU during business hours Q: If I forget my PIN what do I do? A: If you are using the Home Banking service only you will need to fax your request for a new PIN with the following information to the attention of "Home Banking Services".      * Your Member Account number      * A copy of your drivers license      * A telephone number that you can be reached at during business hours      * Your signature and your printed or typed name Upon receipt of this information your PIN will be reset and you will be contacted by the next business day with this new information. In both cases you will be required to change your new PIN once you log into Home Banking again. Q: Are there regularly scheduled system times when the Home Banking will not be available? A: Yes. There will be occasions when the service will be unavailable.  These are infrequent and scheduled during non-peak usage periods.  We will make every attempt to notify you in advance.