What you need to know about online banking
LOGGING IN
SECURITY
FEATURES/SERVICES
BILL PAY
TECHNICAL ASSISTANCE
Our Internet Banking site, CFCU anywhere, offers many convenience features to help you save time!
You can easily access your accounts online 24/7 from home, work, or on vacation to check your account balance, transfer funds, update your personal information, apply for loans or send us a secure message.
Additional exciting features include eStatements, Bill Pay, the ability to open new subaccounts, set up e-Mail Notification, and more! If you haven't done so already, enroll today!
LOGGING IN
Q. What is my Login ID?
A. Primary Members — For first time enrollment click "Sign up for CFCU anywhere Internet banking." After reading the terms and conditions, click agree. Follow the on-screen instructions. Existing Users; Your Member Number is your Login ID.
Joint Owners/Members and Business Accounts — If you are a joint account owner and do not have your own primary account or if you are trying to access a business account, your Login ID must be created by CFCU. You will also be given a temporary password for your initial log in. Please contact us at 607-257-8500 to enroll.
Q. What are the password requirements?
A. Passwords must be 8-20 characters in length and contain an upper and lower case letter and a number.
Q. What if I have forgotten my password?
A. On the Log in Screen; click on Forgot your Password? Please note that this option will not work if your access is locked or restricted. You may also stop into any CFCU branch or contact a CFCU Representative by phone at 607-257-8500 // 1-800-428-8340.
Q. Can I change my Login ID?
A. Yes, you may change your Login ID by contacting a CFCU representative during business hours. Stop by any of our branches or call us at 607-257-8500. Please note that for security purposes, we cannot process emailed requests to change a Login ID.
Q. How can I view other CFCU accounts?
A. You may log in separately to another CFCU account or link it to your own log in. To link another CFCU account to your log in, click on the “Your Preferences” tab, then on “Multiple Accounts” and then on “Add Account.” You may set up access to additional accounts as long as you know the Login ID and password for those accounts. Once the accounts have been added, you will use the dropdown menu on the upper right-hand side of the screen to switch between Login IDs. *If you do not know your login ID for the additional account(s), contact a CFCU Representative for assistance.*
SECURITY
Q. Will I be required to change my password on a regular basis?
A. While you will not be required to change your password once you have selected one of your own choosing, we do recommend changing it frequently. You can change your password at any time after logging in by clicking on the “Your Preferences” tab. The criteria for new passwords is referenced on this screen.
Q. How do I know the site is secure?
A. The system uses a Multi-Factor Authentication (MFA) to verify that your account is being accessed legitimately. The first time you log in to CFCU anywhere from a new device, you will be prompted to go through a few steps to enroll your computer and set up the MFA. This enhanced security feature remembers your computer and assigns a cookie (a unique identifier) to each computer you use to access online banking.
Q. What is the purpose of bookmarking the site?
A. Bookmarking allows CFCU anywhere to place a cookie on your computer to recognize you as a registered online banking user. You will still be prompted to enter your user ID and password each time you log in.
Q. Am I required to bookmark the site?
A. No. If you would prefer, you can use the public option to access the site each time you wish to log in. Please note that the first time you log in you are required to register a device as part of the security verification setup. Using the public option will require you to request and use a Virtual Token.
Q. Why does my bookmark appear to not be working?
A. This could be caused by your device deleting cookies or updating your browser. In this case, follow the prompts on the screen to request a Virtual Token and create a new bookmark. If you create a new bookmark, be sure to delete the old one.
Q. Can I register multiple devices?
A. Yes, you may register multiple computers or phones. Each device should be given a different name (“Work Computer,” “Home Laptop,” “John’s iPhone,” etc.).
Q. Can multiple users register the same device?
A. Yes; however, it is recommended that different names be used for the bookmarks when registering the device to avoid any confusion (“Home Computer – John,” “Home Computer – Mary,” etc.).
Q. How do I change my registered devices?
A. After logging in, click on Your Preferences, and then on the Member Preferences tab. On the right-hand side of the screen, click on “View and/or Change Registered Computers, E-mails and Phone Numbers for Tokens and Bookmarks.” The following screen will allow you to remove your enrolled devices, create a new bookmark, and add or change enrolled email addresses or phone numbers.
Q. Can I access my account online from a public computer?
A. Yes, you may use public computers to access your account, but the first time you log in, it should be done on a trusted computer. (A device must first be enrolled before you can use the public computer option. You do not want to “enroll” a public computer.) When you attempt to log in from a public computer, you will be prompted to request a virtual token (security code) sent to you via email, phone, or text message. Once you have entered the code, you will then have access to your information.
Q. Does the virtual token expire?
A. Yes. Tokens must be validated within thirty minutes of receipt. Simply enter the token number sent to you by phone or email to proceed. If you have requested that the token be sent to you via email, instead of entering the token number to proceed, you may click on the link provided to you within the token email. This step will take you to the login screen again. Simply login with your login ID and password to continue.
Q. What if I don’t receive the token I requested?
A. It is possible that the email address or telephone number associated with your Internet banking is invalid. Please contact our member support group if you suspect that we may not have your most current information on file. Make sure to also check your junk or spam email folder as sometimes legitimate messages may be inadvertently flagged as spam.
FEATURES/SERVICES
Q. What can I do through CFCU anywhere?
A. In addition to viewing your account balance and transaction history, you can also transfer funds between your accounts, place a stop payment, and update your personal information. Additional convenience features include the ability to open savings sub accounts and certificates of deposit, pay bills, apply for loans, set up automatic transfers, and sign up for email notifications.
Q. How do I update my contact information through CFCU anywhere?
A. After you log in to CFCU anywhere, click on “Your Preferences” and the contact information page immediately comes up. Type in your changes and click on Update. Address changes will take effect immediately. This screen also offers the option to change your CFCU anywhere password, email address, and PIN for MAXX (our automated telephone system).
Q. I have multiple accounts that I would like to be able to easily differentiate. Is there a way to nickname them?
A. Yes. You may nickname your accounts by clicking on the Account Nicknames link located under every tab in the "Your Preferences" section. Note that the nicknames will be printed on your monthly statements.
Q. How do I send secure messages?
A. Once you have logged in, click on the Contact (envelope) icon in the upper right-hand corner of the screen.
Q. Will Internet banking affect my monthly statements?
A. No. Monthly statements are generated on the last day of the month, regardless if you are utilizing Internet banking. However, having Internet banking will allow you to select the option of eStatements.
Q. What are eStatements?
A. EStatements are electronic copies of your monthly statements.
Q. What are the benefits of eStatements?
A. It is faster (you will receive your statements more quickly — no more waiting for statements to arrive in the mail), it is more secure (they can only be accessed using your login information), it is more convenient (statements can be accessed in one place, going back to January 2011 and will store going forward for up to 24 months), and it is better for the environment (less paper is generated). Estatements are offered free of charge to all members.
Q. How do I sign up for eStatements?
A. To sign up for eStatements, log in, click on “Your Preferences” then on “eStatement Selection.” Select “Electronic” if you would like to receive eStatements in lieu of paper statements and follow the prompts to continue. You will receive an email notification when your most recent statement is ready to be viewed online.
Q. Can I transfer funds to another CFCU account?
A. Yes. Once you are logged in, click on the “Transfer Funds” tab, then select “Make a Transfer.” From there, click on “Another Account.” The following screen will give you the ability to transfer to another CFCU account. Transfers may be set up as a one-time transaction or scheduled on a recurring basis.
Q. When I use the Another Account Transfer feature, it asked me for the suffix #. Where can I find the suffix # on my account?
A. You can find the suffix # on your accounts by going to the Access Accounts tab and selecting Account Summary. If making a transfer, enter the numbers of the suffix in the appropriate box in the transfer screen.
Q. Can I transfer funds to/from an account at another financial institution?
A. Yes. You will click on Bill Pay, then Transfer Money. A processing fee is assessed for sending funds to other institutions.
Q. Can I directly pay another person?
A. Yes, within Bill Pay, you may use the PopMoney service to send money to anyone within the United States. You simply need the person’s name and either email address or cell phone number. You can also send them money using their Account Number and Financial Institution's Routing Number. This service is free when accessed through your CFCU Bill Pay.
BILL PAY
Q. How can I pay my bills online?
A. You must have a checking account to use Bill Pay. Log in to your account, click on the “Bill Payment” tab, and then on “Enrollment Options.” Select the suffix you would like to enroll, click on “Enroll” and then on “I agree” to acknowledge reading the legal disclosure. Click on “Finish” to complete the enrollment process. Once you have finished that section, you can then click on the small “Pay Bills” tab to begin. The new Bill Pay site will open in a new window. You will need to enable pop ups for this site.
Q. Is there a charge for Bill Pay?
A. Bill pay is free of charge for CFCU members who are using the service to pay bills. Fees may apply for the use of additional features of Bill Pay, such as expedited payments and Transfer Money.
Q. What are some of the benefits of using Bill Pay?
A. Bill pay offers the convenience of having all your bills paid from one location, and being able to see at a glance what has been paid. Bill payments may be future dated for peace of mind. Certain companies also offer the convenience of e-bills for you to access through Bill Pay — no more clutter from paper bills! Having the security of Internet banking surrounding Bill Pay, no one will have access to your Bill Pay history except you. Bill Pay saves both time and money — no more running to the post office or paying for stamps. You may use this service to pay anyone in the United States that you might normally write a check to, such as your credit card company, your electric company, or even your newspaper carrier.
Q. Where can I get more information about using Bill Pay?
A. View the Bill Pay demo here.
TECHNICAL ASSISTANCE
Q. What if I have problems accessing my account online?
A. Our Call Center is available Monday through Friday from 8:30am until 5:00pm at 607-257-8500 or toll-free at 1-800-428-8340. You may also send us an email and we will respond to your inquiry within one business day. (Please note that emails sent directly to contact.us@mycfcu.com are not encrypted and should not include sensitive information, such as your account number.)
Q. What should I do if I’m unable to log in to CFCU anywhere using Safari?
A. From the Safari Menu Bar click Edit - Preferences. Select the Security Tab in the Web content section, check “Enable plug-ins,” “Enable Java,” and “Enable JavaScript.”
Q. How do I enable pop-ups on my iPad?
A. Open the “Settings” menu on your home screen.
- Tap the “Safari” tab on the Settings page. The Safari preferences screen loads.
- Scroll down the page to the “Security” section.
- Slide the “Block Pop-Ups” switch to the “Off” position.
- Press the “Home” button to return to your home screen.
Q. After I logged in for the first time, “Enter Old Password” and “Enter New Password” are grayed out. Only the “Confirm Password” is not grayed out. How can I enter a new password?
A. The ability to gray out an area is generally controlled by scripting. Open your browser, then Internet Tools, then Security, Custom Levels (box ¾ of the way down in the middle), and in the security settings, scroll down quite a bit until you see SCRIPTING and enable Active Scripting. Click okay to save during exit, and this should fix this problem. Sometimes you can hit your tab key and tab over to the password screens even though the screen appears unavailable.
Q. I accessed Internet banking on my iPad, but when I go to Bill Pay, I get a message that it will redirect me to a new site, but the new site never opens. What do I do now?
A. Please see “How do I enable pop-ups on my iPad?” and also Enable JavaScript as follows:
Click the Settings icon, select Safari, under the security section set the Enable JavaScript switch to “On.”
Q. My browser keeps asking me to save my password. How do I turn off this option so it doesn’t ask me every time?
A. For Firefox:
- Click the orange “Firefox” menu button at the top left of the browser. From the menu, click “Options.”
- Click the “Security” tab and then uncheck “Remember passwords for sites.”
- Click “Ok.”
For Internet Explorer:
- Open Internet Explorer and select the “Tools” menu
- Select “Internet Options.”
- Select the “Content” tab and press the “Auto Complete” button.
- Uncheck the “User Names and Passwords on Forms” checkbox and press the “Clear Passwords” button.
- Press the “Ok” buttons (three times).
Q. I set up a bookmark, but each time I try to login, it asks me to click the book mark. Why does this happen?
A. Your browsing history or tracking cookie has been deleted since the last login. You can use your previously created bookmark to access the site and the cookie will be dynamically recreated upon launching the site. Please use the bookmark when prompted so the cookie can be recreated.
Q. Why might my bookmark not work?
A. The bookmark will become invalid if there is an update to your browser, operating system, CPU, or memory. You can request a virtual token and then set a new bookmark.
Q. When I try to login to Bill Pay it says another browser window is opening, but nothing happens. What should I do?
A. Turn off the pop-up blocker in your browser.
