FAQ

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This will help you to manuveur through various functions of the LAFCU online system.

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Bill Pay Plus

Cost
There is no charge to use LAFCU’s Bill Pay Plus service.

Features
You can set up as few as one or an unlimited number of bills to pay on any regularly scheduled date or an intermittent date.

Most payments will be made electronically, but there may be occasions when a paper check is necessary.

Gift checks are available through Bill Pay Plus. They are customizable and available in a variety of themes. There is a processing fee for gift checks.

Account Requirements
You must have a valid E-Mail address and an open bill pay or checking account to use Bill Pay Plus. Contact Member Services if you need to set up a bill pay or checking account (517-622-6600).

Set up Bill Pay Plus
Once you have the required share account set up, log into Home Banking, select Bill Payment from the top menu toolbar. Select Bill Pay. A pop up window will appear and require you to enter your E-Mail address. Once you have verified your E-Mail address, the Welcome screen will open. In the toolbar across the top, Click on Payees>Add a Payee. You will then be required to enter all the information about the bills you want to pay. Follow the remaining screen prompts or click on the Help link for assistance.

Inactivity
Bill Pay Plus must be used at least once every 90 days to retain its active status. You will be un-enrolled in this service if this requirement is not met. To re-enroll, call LAFCU at 517-622-6600.

E-Alerts

Cost
LAFCU does not charge for sending text messages to your mobile phone but your mobile provider may charge for incoming text messages. Contact your mobile service provider for related fees for incoming text messages.

Features
E-Alerts are electronic messages sent periodically each day, 7 days a week, to any E-Mail address, mobile phone or pager.

You can be notified when your account balance changes, when a check clears, when a transaction exceeds a specified amount, loan payment reminder, or change your address or email address. Other features may be added in the future.

Set up E-Alerts
Click on the E-Alert link on the right hand side of the Account Summary screen in Home Banking and follow the instructions to set up your E-Alerts.

E-Checking

Cost
There is no monthly maintenance fee for your checking account if you use E-Checking.

Features
E-Checking is a non-interest bearing checking account.

Product Requirements
Electronic statements are required instead of paper statements.

E-Statements

Cost
There is no cost for E-Statements.

Features

E-Statements are an electronic version of your statement that you access through Home Banking.

You will begin to accumulate your statements and be able to view them as soon as you authorize E-Statements. A three-year history of statements will be retained for you to view.

Paper vs Electronic Statements
You will not receive a paper statement if you have enrolled for E-Statements. To change back to paper statements, click on Other Options>E-Statement Preferences and follow the prompts. Please Note: If you have E-Checking, you must call Member Services to make this change.

Delivery of E-Statements
You will receive an E-Mail notifying you that your current statement is ready for viewing.

Set up E-Statements
From within Home Banking, go to Other Options>E-Statement Preferences and select E-Statements. Follow the prompts to complete the enrollment.

Save or Print E-Statements
E-Statements are printable. Click on the Print button on your computer.

You can also save a copy to your computer. Click on Save A Copy in the Acrobat® Reader® toolbar. Select where to save the file on your computer. Click on File in the Acrobat® Reader® toolbar (NOT the browser's toolbar.)

Home Banking

Cost
There is no fee to enroll in and use Home Banking. However, certain products and services do have a fee to complete, such as placing a stop payment on a check.

Features
Home Banking can be used whether you have one product or several. That means if you only have a savings account, you can still enroll in Home Banking. Of course, the more products you have the more benefit you will receive from Home Banking. You can keep track of your balances, transfer between accounts or between shares (with some exceptions), place stop payments, request a check be sent to your home, view dividends and interest payments, view check images, and much more.

Most transactions and balance updates are reflected on Home Banking as soon as the transaction is performed. For example, any transaction you do at a branch or an ATM will immediately appear in Home Banking. It may take one to three business days for debit card transactions to appear. Checks written will appear as they’re cashed and processed.

Home Banking also provides access to a secure Message Board whereby you can contact LAFCU’s Member Services to discuss your account in a secure environment.

Change Your Password
To change your Home Banking password, access Home Banking and click on Other Options>Change Login Profile. Enter your current password, your new password and re-enter your new password then enter for verification and click Continue. The minimum length for your Home Banking password is 4 characters and the maximum is 20. Passwords are case sensitive and can be any combination of alpha characters, numbers, or special characters.

Changing your Home Banking password will not affect your Direct Dial Teller PIN. They can be totally different or exactly the same, you decide.

Challenge Questions
Challenge questions are designed to add additional protection by serving as a roadblock to anyone who is not authorized to access your account information. Our Home Banking system recognizes the computer(s) you regularly use and requires an answer to one or more of your challenge questions from anyone who tries to access from a different computer.

Export Account History
Your account history can be exported in the following formats: MS Money OFX, QIF, Quicken Web Connect or Comma Delimited File. Click on History, then Export History and select the format you want.

Encryption
Your information is encoded using the strongest forms of encryption commercially available for use over the web. That means, even if the information you submit is somehow intercepted by a third party on its way to our servers, it is scrambled and virtually impossible to decode. We recommend taking full advantage of this feature by using a browser that supports 128-bit encryption.

Preventing Unauthorized Access
Your Home Banking session will end after ten (10) minutes of inactivity within Home Banking. You will need to sign on again if this occurs.

"This account has been frozen." You will be locked out of Home Banking after three (3) unsuccessful attempts to sign on without the correct user information.

The "back" button on the browser will not return you to prior pages. You will have to Click on Account Summary or Main Menu to return to a page you have already been on.

The AutoComplete setting provides a drop down of your account number to facilitate the sign on process. To disable AutoComplete so your account number does not appear, do the following:
•    From within Internet Explorer, click Tools>Internet Options
•    Click Content > AutoComplete
•    Uncheck the box next to Usernames and Passwords.
•    Click the Clear Passwords button and click OK to Clear All Previously Saved Form Passwords.
•    Click OK on the remaining menu boxes.

LAFCU Credit Cards

Features
Through LAFCU's Home Banking, you can view your credit card activity and make payments online.

Set up Access to Your LAFCU Credit Card
Sign on Home Banking, click on Account Balances. Select Credit Card Information. To access for the first time, click on Add New Card. You will be required to answer three questions to validate your card. Follow the prompts to complete the set up.

Your LAFCU Credit Card can only be registered to one LAFCU account at a time. But, you can add multiple cards to that account. To add a card, click on Online Services, then Add New Card.

Remove Access to Your LAFCU Credit Card
Click on Online Services, then Remove Card.

Important note: This does not make your credit card inactive or close your credit card.

To View your Credit Card Activity
You have two options, both accessible from the Account Summary screen (within Home Banking).
Click on History next to your Visa number; or
Click on Account Summary>Credit Card Information.
Your recent activity will automatically appear.
Click on Card History to view prior 3 months of activity.

To Make a Credit Card Payment from within Home Banking
You have five options to make a credit card payment online.

•    Select Make Payment on the Account Summary page next to Visa card; or
•    Select Loan Options, then Credit Card – Make Payment; or
•    Select Transfer, then Share to Credit Card Transfer; or
•    Sign up for an automated payment by using Bill Pay Plus; or
•    Click on Online Services and then Make a Payment.

Downloading or Printing Credit Card Activity

•    For recent activity, click on Print Recent Activity.
•    For prior activity, click on Print Card History or Download Options.

Report a Lost or stolen Credit Card

To report a lost or stolen VISA® card after hours, call 1-800-449-7728.

Troubleshooting Bill Pay, E-Statements & Credit Cards

If you have trouble accessing a LAFCU site, such as Bill Pay Plus, E-Statements, or Credit Card Information, we recommend you perform the following:
•    Disable pop-up blocker, or
•    Right click and "Open in a new window," or
•    Clear Cache – Delete Temporary Internet Files and Cookies.
•    Allow the site to meet your Internet Security settings.

Disabling Pop-up Blockers
Pop-up blocker applications may block certain windows within Home Banking, thereby preventing you from seeing Bill Pay or Credit Card Information screens.

To modify your pop-up blocker so you can view these sites, do one of the following:
Press the CTRL key as you make your selection to override the pop-up on a one-time basis; or
Configure your pop-up blocker to these sites only by typing in homebanking.webcu.org; or
Allow all sites that meet a specific security criteria.

If you are running Windows XP Service Pack 2, follow these instructions on changing your pop-up blocker:
•    From the toolbar, select Tools > Internet Options
•    Select the Privacy tab
•    Under the Pop-up Blocker heading, select Settings
•    Down at the bottom, make sure the Filter Level is set to "Low: Allow pop-ups from secure sites."

If you are using Fire Fox 3.0.4, Pop-up Blocker Exceptions can be added by:
•    Open Fire Fox
•    Select Tools > Options
•    Select the Content tab
•    Click Exceptions that is next to Block Pop-up Windows
•    Enter 'homebanking.webcu.org’ in the Address of Web Site field
•    Click Allow

For Google, Yahoo, or Other Toolbar pop-up blockers...
survey your toolbar within your browser to locate the utility program that is running on your PC. This toolbar item, when selected, should give options for either shutting it off or filtering certain websites.

Another possible solution for getting around pop-up blockers is to:
•    From the Toolbar, select Tools > Internet Options
•    Select the Privacy tab
•    Under Settings, select the Sites button
•    Enter "homebanking.webcu.org" in the text box and select Allow

Clearing Cache – Delete Temporary Internet Files and Cookies For Internet Explorer 7
•    Open Internet Explorer 7
•    Click: Tools>Internet Options
•    Under the General tab, click Delete
•    The Delete Browsing will open; Delete Temporary Internet Files, Cookies and History.

For Internet Explorer 6
•    Open Internet Explorer 6
•    Click: Tools>Internet Options
•    Under the General tab, click Delete Files and Delete Cookies

For Firefox
•    Open Mozilla Firefox
•    Click: Tools>Clear Recent History
•    Make sure that the Cache & Cookies boxes are checked
•    Time Range to Clear>Everything
•    Clear Now

Internet Security Settings
For Internet Explorer 7
•    Open Internet Explorer 7
•    Click: Tools>Internet Options
•    Under the Security tab, view settings
•    Default level is recommended.

Recommended Browsers
We recommend that you use either of the two most popular browsers on the market:
•    Internet Explorer (IE) 7.0.5730.13C0 (XP SP2 & Vista)
•    Mozilla Firefox 3.0.4
Home Banking will also support Netscape 7.2.
We recommend that you not use any AOL or MSN TV (formerly Web TV) browser to access Home Banking. If you use AOL or MSN TV as your Internet Service Provider, use the Internet Explorer browser with it instead of the AOL browser.

If you use America Online (AOL) as your Internet Service Provider, you can use the Netscape or Internet Explorer browser to open Home Banking instead of the AOL browser.

Cookies
You must enable the browser to accept cookies. LAFCU Home Banking cookies are completely harmless, fully encrypted, and useful only to this specific Home Banking site. They are neither destructive nor malicious in nature and cannot be used by third parties to invade your privacy.

If you prefer not to accept cookies from other sites on the internet, you can choose to enable cookies only when you are accessing Home Banking or set the browser to alert you when a cookie is being sent and accept only those cookies you want to permit.

In addition, when you click the End Session or Log Off link to log off Home Banking, all cookies are automatically removed from your hard drive.