Have a question about
Online Banking?
Here are a few answers that should help make your online banking session go a
little smoother.
Frequently Asked
Questions:
What type of computer
do I need to use Online Banking?
Is Online Banking safe?
Are my accounts secure?
Can anyone else see my account information? Is my information publicly available?
How current is the information I obtain through Online Banking?
How do I get a Password to access Yolo FCU's Online Banking?
How do I define a Password to access Yolo FCU's Online Banking?
Having trouble getting your Online Banking
password to work?
Why does my Browser's Back Button Not Work?
I get an error message trying to use Online Banking. What's the deal?
Can I access my accounts directly using Quicken or MS Money
(OFX)?
What does the "HB" listed next to some of my
transactions mean?
When I click on the deposit button, why doesn't it show deposits
I made to my account?
I'm all through with my Online Banking
session. What do I do now?
What type of computer do I need to use Online Banking?
To connect to Online
Banking, you will need a personal computer with:
Internet
access (28.8 Kb or higher recommended)
Monitor
resolution of 800x600 or higher
One
of the following web browsers* installed:
MS
Internet Explorer version 6.01 or higher
Netscape
Navigator version 7.0 or higher
*
We do not recommend using nor do we support non-general release versions of
these products.
If
your computer system meets the above requirements, you will need your member
number and password to access your YFCU accounts from the comfort and
convenience of your home, office or other location.
Yolo
Federal Credit Union has taken many steps to ensure that your financial
transactions are secure when you are conducting Online Banking through the
Internet. The two most important
security features of Online Banking are your PIN and
your SSL (secure socket layer) enabled browser.
Online
Banking Password:
Your
password is known only to you. Without
it, you cannot access your YFCU account through Online Banking. For your protection, YFCU recommends that you
memorize your password and do not write it down. You should never give your password to anyone
or let anyone see you enter your password when you are logging into Online
Banking. In addition, we recommend that
you periodically change and do not use easily identifiable passwords.
To
enhance the security of your password, when you enter the Online Banking
system, you will have only a limited number of times to input your
password. If you exceed the limit,
Online Banking will deny you entry into the system, even if you enter the
password correctly. If you accidentally
become blocked from entering Online Banking, give us a call at (530) 668-2700.
If
you think your password may have been compromised or you notice any unusual
activity on your Yolo Federal Credit Union account, contact our Call Center
immediately at (530) 668-2700. Keep all
documents that include your account information in a secure place, so that
confidential information cannot be obtained by others. These documents include ATM receipts, account
statements, your ATM Personal Identification Number, and your password.
SSL
Enabled Browsers:
Your
SSL enabled browser contains the necessary encryption algorithms to
"scramble" the information that is transmitted between you and Yolo
Federal Credit Union's computer system.
This ensures the confidentiality of information you submit
electronically.
Can anyone else see my account information? Is my information publicly available?
Online
Banking requires a correct account number, random security code, and password
to access confidential account information stored on the Yolo Federal Credit
Union computer system. Unless you share your
password with someone else, no one other than you will be able to access your
account information through Online Banking.
To enhance your security we recommend that you periodically change your
password. We also strongly recommend that you install anti-virus and
anti-malware security applications on your computer. Be sure to update the
signature files in these applications regularly.
How current is the information I obtain through Online Banking?
The
information available to you through Online Banking is the exact information
stored on our computer system at the time you sign-on to Online Banking. The information you receive through Online
Banking is the same account information you would receive if you inquired about
your accounts in a branch or through ATM or the Access Line. During business hours, any transactions you
initiate through Online Banking will be posted to your account immediately on
the Yolo Federal Credit Union computer system.
During non-business hours, withdrawals and deposits immediately update
the "Available" amount in the affected account, but the actual
"Balance" is not updated until the start of the next business day. In
either case however, if you transferred funds from your savings account to your
checking account, the funds would be immediately available in you checking account.
After transferring funds, you could immediately initiate a withdrawal at
an ATM or through the Access Line or through a teller at a branch office.
How do I get a Password to access Yolo FCU's Online Banking?
Call
YoloFCU's Call Center and they will set you up with a temporary password. Use the temporary password to sign on to
Online Banking and you will be prompted to enter a different, more permanent
and private PIN. From there you can
access your accounts on line.
How do I define a Password to access Yolo FCU's Online Banking?
Having trouble getting your Online Banking password to work?
Here
are a couple of tips for signing on to Online Banking:
Don't
include the first two letters of your last name after your member number. Long-time Access Line users are likely to
make this mistake, as the Access Line does require you to enter your account
number along with the first two letters of your last name. To access Online Banking, just enter your
account number or your optional login nickname.
Don't
include a "#" symbol after your member number. The "Sign-On" button is the
equivalent on the Online Banking Sign-on Screen.
Are
you using a "numeric" password?
Many members choose a word to help them remember a numeric PIN and when
they use the Access Line, they just use the buttons on the telephone to enter
the letters. Unfortunately, this does
not work on Online Banking. You must
enter the actual password to sign on.
If
you continue to have difficulties signing on to Online Banking, just give us a
call and we will walk you through the process.
Why does my Browser's Back Button Not Work?
The
back button functionality is disabled while you are logged into our Online
Banking site. This is a security enhancement feature that prevents someone for
potentially backing into previously viewed pages after session sign-off.
I get an error message trying to use Online Banking. What's the deal?
Yolo
FCU's Online Banking was designed to deliver immediate, hassle-free access to
your accounts—the first time, and every time you sign on. But on rare occasions, the ride isn't quite
as smooth as that—and you'll encounter an unusual (sometimes cryptic) error
message. In some cases you can perform
an instant fix that gets you back on track quickly. Other times, though—especially if we're
having challenges on our end—we have to beg your patience. Here is a list of the most common error
messages you may have received:
"There
has been a problem during transit."
Here's an error message that, usually, you can do something about. It often occurs when your browser is not set
up to store a small, temporary "cookie" on your computer—necessary
for proper Online Banking functioning.
If you turned down an invitation to "accept cookies" when
signing on, go back, sign on again, and choose to "accept
cookies." Other times, though, the
error message pops up when you use your browser's "Back" or
"Refresh" buttons, instead of the navigation buttons provided
on-screen. In this case, the solution
is to click "Log Off" in the Online Banking session to return to the
"Log In" screen, sign in again, and proceed to use Online Banking
without using your browser's "Back" or "Refresh" buttons.
"This
transaction has either been cancelled or completed." Don't be fooled by the misleading language
with this one. The
real source of the problem? Just
like the case above, chances are you used your browser's "Back"
button during the course of a Online Banking
transaction. To avoid the message,
always use the "Go Back" and "Continue" navigation buttons
provided by the Online Banking Application.
To recover from the error message, it will be necessary to sign on to
Online Banking again from scratch. It
would be a good idea to confirm that the transaction was not completed before
performing it again.
"You
are not authorized to access the system at this time." Your access
level to the Online Banking Application has been restricted altogether. Restoring full access to the system will
usually require you to contact YFCU's Call Center during business hours to remedy
the situation.
"This
function is not available to you, for assistance please contact
your credit union." This message
is very misleading and happens during a transfer process. After you enter the amount that you want to
transfer, if you hit the "Enter" key instead of clicking on the
"Next" button, the transaction will not be processed and you will get
the above message. Simply repeat the
transfer process and click on "Next" to complete the
transaction.
"Problem
Signing On—Sorry, you are not authorized to access the
system at this time. Contact your
financial institution for details." You will need to contact YFCU to have
access turned on to this feature and get a temporary PIN.
Can I access my accounts directly using Quicken or MS Money (OFX)?
We
have no plans at this time to implement and support the full two-way OFX
capabilities of Quicken or MS Money.
What does the "HB" listed next to some of my
transactions mean?
When
a transaction such as a transfer is done through Online Banking, your member
statement will place an "HB" notation at the end of the transaction
to identify that the transaction was completed using Online Banking. A
"VR" notation is for Voice Response transactions.
When I click on the deposit button, why doesn't it show deposits
I made to my account?
The
deposit button is designed to show you only the last Direct Deposit or
electronic deposit(s) made to your YFCU account. This screen will show you information about
when the deposit was made, the amount and who made the deposit. To see regular deposit activity made by you
or another individual to your account, go to the "Account" screen and
view information on the particular account.
All of the deposits (both regular and electronic) to an account will be
displayed in this manner.
I'm all through with my Online Banking session. What do I do now?
Once
you've completed your session on Online Banking just
click on the "Sign Off" icon and the system will log you off. If you forget to click the "Sign Off"
icon or you step away from your computer while you are on line, don't
worry. As an additional security
measure, if there is no activity for a ten-minute period while you are logged
onto Online Banking, the system will automatically log you off. This will prevent other individuals from
coming up to your computer and accessing your account information if you forget
to sign off when you are finished using Online Banking.