Will my account information be secure?
Yes. Ensuring the privacy and security of your account and personal information is a top priority in developing this connection between you and SELCO Community Credit Union. We store no member information on our web server that is accessed by the public. All account information is housed on computers that are behind our firewall (protected area). The web server only passes information between your browser and our computers located behind the firewall, and vice-versa.

How is my information protected when I am managing my money or paying bills through Online Banking?
All Online Banking sessions are authenticated and encrypted using the highest security standards available. The authentication of a Online Banking session is handled through your Account Number and Password combination, which is required at login. You have the ability to change your Password in the Maintenance section of Online Banking. We encourage you to change your PIN often. The encryption is accomplished by establishing a Secure Socket Layer (SSL) connection between the browser and the Web server. You can only access Online Banking with an SSL-compliant browser with at least 128-bit encryption.

Encryption Technology
Online Banking takes advantage of the powerful encryption technology available in web browsers. This advanced technology prevents monitoring of your Online Banking account, as well as unauthorized access to your account information. To verify that encryption technology in your browser is enabled during your Online Banking session, look for the gold lock (Internet Explorer) or key (Netscape) in the lower left-hand portion of your screen. If the key is solid, it indicates that your Online Banking transactions are secure. If the key is broken by two slashes, it indicates that your transactions are not secure.

Built-in Safeguards
SELCO Online Banking asks for your Account Number and Password every time you begin an Online Banking session. Access to your account is only available when your Account Number and Password match exactly. By memorizing your Password, you make sure your Online Banking account is protected from unauthorized access.

Transferring Funds
With Online Banking, you have only three options for moving funds from your account(s). Each option has built-in safeguards to prevent unauthorized access to the funds you move. 1) Transfer Funds - The Transfers section allows you to transfer funds between your accounts, as well as from your account to an account other than your own. To enable the Transfer function for other bank or credit union accounts, you must contact a SELCO Representative and authorize the outside accounts you want to transfer funds to.
2) Withdrawal by Check - The "Account Details" section allows you to request that a check from one of your accounts be sent to you--and only to you--at your address of record.
3) Bill Payment - In the "Pay Bills" section, you can schedule bills for payment to anyone in the United States. You can also pay businesses or individuals - anyone who has a U.S. postal address. You must schedule the amounts and frequency of payments before they can be made. Funds must be available in your account in order for bills to be paid.

Limited Access Time
Each time you use Online Banking , you are limited to a 60 minute session. At the end of 60 minutes, your Online Banking session is automatically terminated, and you must log in again to begin another session. This built-in safeguard protects your Online Banking account from unauthorized access, in the event you are called away from your Online Banking session, or forget to log off at the conclusion of your session.You may also customize your automatic inactivity log-off time in the "Preferences" section. You can choose 5, 10, 15, or 20 minute sessions so that you are automatically logged off should you happen to leave your computer and risk letting someone else accessing your account.

What is the Online Banking Guarantee?
We built a security system around Online Banking that safeguards your money and keeps your account information private. We are confident of the security of online banking. But, like with anything new, you may still have concerns about the security of this new way to bank. That is why we make this promise to you: If an unauthorized transaction was conducted on your account because of a breach that occurred while you were connected to Online Banking, your liability on those unauthorized transactions will be ZERO.

What should I do if I discover an unauthorized transaction on my account?
Contact SELCO Community Credit Union immediately at 686-8000 or toll-free at 1(800)445-4483, or log into Online Banking and send us a secure message by clicking on the "Contact Us" menu and choosing "Send Messages".

In Online Banking you have forms for members to complete that contain personal information. Does SELCO share that information with other parties?
No. Any information you provide on a form will be held confidential to SELCO Community Credit Union. This information is also encrypted for additional security

How will Online Banking make money management easier for me?
Online Banking offers a whole new level of convenience and control of your finances. With Online Banking, you get complete, up-to-the-date information about your credit union accounts and transaction history, including your SELCO Visa Card, anytime, anywhere. You may transfer funds between accounts, transfer payments to a SELCO Visa or loan payment, and request a withdrawal (check mailed to your home).Not only that, if you opt for Bill Payer, you will be able to pay your creditors online -- insurance companies, mortgage, utilities, etc. You may also pay individuals using Bill Payer. You control which bills are paid, the amounts paid, and when the money will be deducted from your account.

Can I change my Password?

Yes. To change your password follow these steps:

1) From the menu on the left side of any Online Banking page click on the “Preferences” link, and then on the page that loads click on the “Change Security Settings ” link from the same menu on the left side of the page. 

2) On the page that loads enter your current password, enter your new password and verify the new password.  After doing this, click on the “Preview” button and then on the preview page that loads, click on the "Change Settings" button to submit the change.  Please note that your Password must be between 4 and 20 digits/characters long.

What accounts can I access through Online Banking?
You can access all SELCO Community Credit Union accounts, excluding first mortgages and business loans.

How current is the information on my screen?
Balances and transactions are obtained directly from SELCO Community Credit Union's computer system. All information and transactions are conducted on a REAL-TIME, on-line basis.If you withdraw money from an ATM and immediately go online, your account will show the amount you just withdrew. And vice versa, If you do a transaction on the Internet or by phone, the change will show up instantly when you visit an ATM.

How much does Online Banking cost?
Online Banking does not cost you anything as a member .

How much time am I allowed on Online Banking?
You can login to Online Banking for up to 60 minutes at a time.

How much past account information can I view?
You can view the last 6 months of history for share accounts, and up to the last 2 years for certain loan accounts. You cannot view transaction history for first mortgages.

How can I get assistance if I have questions about Online Banking?
You may contact us via email or by calling (541) 686-8000 or toll-no-cost at (800)445-4483 during business hours.

The message "You have requested a secure document..." keeps popping up.
What should I do?
Online Banking is a fully secure application. Every time a new screen is requested, if you have not disabled security warning messages, the browser will display a message similar to the following: To eliminate the need to confirm each secure page, check off the option to not show the secure warning message (__ Show This Alert Next Time) from the security warning message box. This is harmless and will get rid of the inconvenience of having to reply to each secure page response.

Javascript error messages keep popping up. What now?
Javascript is a requirement of the Online Banking service. Javascript must be enabled within your browser. Please review our Online Banking Settings area for more information.

What can I do to improve the performance of Online Banking?
Please see our Online Banking Settings page to adjust your browser for the best performance.

Why do I have to respond to so many "cookie" requests?
Online Banking uses cookies to maintain the integrity of your session. Cookies are a requirement for Online Banking to function properly! It is recommended that you turn off any option related to Warnings you before accepting cookies. For information on how to turn your cookie warnings off, please see our Cookie section.

I had a direct deposit to my account this morning, however my scheduled bill payment failed due to insufficient funds. Why did this happen when I had a deposit the same day?
Bill payments are processed at 6:30 am before any direct deposits are processed. In order for your bill payment to be sent you need to ensure that all necessary funds are in your account by 6:30 am on the day you have the payment scheduled for.

I use AOL and I have trouble logging in to online banking, why wont AOL work?
AOL 5.0 for Windows is not supported by our online banking product. If you have AOL 5.0 for Windows you must upgrade to the latest version of AOL in order to use online banking. AOL versions 6.0 and higher are supported by Online Banking and Bill Payer.

I get a message that says "128-bit encryption required", "unknown algorithm", or "Forbidden, you are not authorized to view this page". Why do I get this message?
These messages are due to your web browser not supporting the 128-bit encryption. SELCO requires a browser with at least 128-bit security encryption in order to access online banking. You will need to upgrade your browser and/or its security.
Click here to upgrade your browser.
Click here to upgrade Internet Explorer security (without downloading a new browser)

Microsoft Windows 2000 Users
If you are using a Microsoft Windows 2000 operating system with an Internet Explorer browser, you might not have the proper security encryption. You may need to download the Windows 2000 High Encryption Pack (available for no-cost from the Microsoft web site) in order to gain 128-bit security encryption on your browser. Click here to download now.

I use Compuserve and I have trouble logging in -- why won't Compuserve work?
Compuserve is not supported by our Online Banking product.

Why do some of my payments take 6-8 business days when other payments only take 2 business days?
The reason for this is that some companies accept electronic delivery of payments and some companies do not. If you have a payment that takes 2 business days to deliver, then that payment is being sent via electronic delivery. If your payments takes 6 or 8 business days to deliver, then that payment is being sent through the mail in the form of a check. When a company that has not been able to accept electronic payment delivery becomes able to, our Bill Pay service will automatically update your payee information so that your payments are delivered electronically.

Why did I get a message saying that my payment was returned due to an invalid account number when the payment has been accepted in the past with that same account number?
Companies occasionally change their account numbers or account number formats and this may cause your payment to be returned. If you receive a message stating this you should contact the company you were attempting to pay and verify your account number with them. If your account number or account number format has changed you will need to delete the payee in bill payer and then add the payee again with the correct account number.

Why did I get a message saying that my payment was returned due to an invalid address?
Companies occasionally change their payment delivery address and this may cause your payment to be returned. If you receive a message stating this you should contact the company that you were attempting to pay and verify the payment address with them. If their address has changed you will need to delete the payee in bill payer and then add the payee again with the correct address.

I have funds in my checking account but I received a message stating that my bill could not be paid due to insufficient funds. Why did I get this message when I had funds available?
When you first log in to Bill Payer your default account is set to be your membership shares. If you want your checking to be your default account you will need to log into online banking, click on the Pay Bills link, and then select the "Change Bill Pay Accounts" link from the menu on the left hand side of the screen and then switch your default bill payment account to whatever available account(s) you would like to pay bills from.

My account shows a withdrawal from Clarke American. Who is Clarke American?
Clarke American is the check printing company that SELCO uses to produce your checks. If you have a withdrawal from Clarke American it is for checks that you recently ordered.

Why can't I print pages from online banking in Netscape 4.xx?
Netscape prints pages by storing them in the cache on your computer. By default no pages from online banking are cached due to the sensitive nature of the information that they contain. In order to print these pages in Netscape 4.xx you need to enable the caching of these pages. This does pose a security risk if you let others use your computer. Pages from online banking may be cached and available to others who use your computer. If you do enable caching of encrypted pages in Netscape 4.xx you may want to delete the files in your cache regularly. If you are not familiar with this please consult Netscape's help. The procedure to enable caching of encrypted pages in Netscape 4.xx is this:To have Netscape 4.xx cache ssl or encrypted pages, you must manually edit the prefs.js file in your user profile directory. Before doing so, make a backup copy of this file in case anything goes wrong. Once you've backed up the file open it in a text editor and add the following line (do not use an application such a MS Word, use Notepad on Windows, or SimpleText on Macintosh): user_pref("browser.cache.disk_cache_ssl", true); This will enable SSL caching in Communicator.
Note: There may be some security risks with this since information from these secure pages will now be stored locally, meaning anyone with physical access to your machine will be able to read the information from the stored files. This is the reason that Communicator is set to not cache the pages by default, and the reason that it is not a simple setting to change.If you would like to print encrypted pages without going through this procedure then we recommend that you upgrade to the latest version of Netscape as this is not an issue with more recent version of Netscape.

Why am I not allowed to enter Online Banking?
If you are using a "pop-up" blocker or any software that prevents pop-up pages from displaying in your browser, you will not be able to access Online Banking. When you log in, we produce a tiny pop-up window that serves to coordinate your transaction with Online Banking. If you are using a pop-up blocker, this will prevent this transaction from occurring. To fix this problem, temporarily disable your ad-blocking software before you log in to Online Banking. If you are not able to log into online banking and you receive an error code, please contact SELCO about the problem and include the specific error code. Other possible reasons for not being able to log into online banking could include not having 128-bit security encryption on your browser, not having cookies enabled, not having javascript enabled, using a pop-up blocker, using certain versions of AOL or Compuserve.

Please visit our browser configuration section to ensure that your browser settings are correct as improper settings could be the cause of your inability to log in.

When I try to login to online banking I get an 'http 405 method not allowed' error. Why am I getting this error?

This is due to your internet browser being configured incorrectly to access online banking. Please go through the Browser Settings tutorial in order to configure your internet browser to use online banking.

Can I import my account information into Quicken?
Yes, when you are looking at the account history for a share or loan click on the link from the menu on the left hand side of the page that says, 'Export Account Information'. On the page that loads you will need to pick the date range that you want to export information for, select 'QIF' or "WebConnect for Quicken" from the 'Export To' drop down menu, depending on which version of Quicken you own, and then click 'Export'. At this point you will be prompted to save the file to your computer's hard drive where it can then be imported into Quicken. The WebConnect option should be used for Quicken 2005 and higher. When selecting this option, the export will automatically open Quicken and import your transactions.

Can I import my account information into Money?
Yes, when you are looking at the account history for a share or loan click on the link from the menu on the left hand side of the page that says, 'Export Account Information'. On the page that loads you need to select the share or loan that you want to export information for, pick the date range that you want to export information for, select 'Money using Active Statements' from the 'Export To' drop down menu, and then click 'Export'. At this point you will be prompted to save the file to your computer's hard drive where it can then be imported into Money.

Why should I use Bill Payer?
You'll love saving time -- and money -- with Bill Payer, Online Banking's electronic bill payment service. Bill Payer eliminates the chore of writing out checks (which means purchasing less checks, too), buying stamps, and running to the post office. It works with SELCO Community Credit Union's checking account and you can pay virtually any creditor or merchant in the United States. Payments to many companies may also be made just two days in advance of the due date.

Who can I pay?
You can pay anyone who has a US Postal Address- the local florist, your mortgage lender, even your paper carrier.

How do I pay my bills?
Very easily. With Online Banking's Bill Payer and your secure access code, you set up your bills to be paid from your SELCO checking account. You create a master list of all payments that you make on an individual or recurring basis. Once you have set up your list of payees, you need only enter the amount and the date. The rest is handled for you automatically. And, you can set up "fixed payments" (like your monthly mortgage, auto loan payment, etc.). These fixed payments will be automatically made for you -- without having to enter the dollar amount and date each time.

How long do payments take to reach my creditor?
Arrival time depends upon the method of payment:

METHODS OF PAYMENT:
1. Electronic funds transfer:
Creditors receive your payment and payment information through a secure electronic transmission. Creditors who are able to receive electronic payments usually receive your payment within 2-4 business days.

2. By mailed check:
Check issued by SELCO Community Credit Union in your name and mailed to the payee you have designated. Creditors who can only receive payments by mail usually receive your payment within 4-6 business days.

In some instances it may take longer for your payment to reach your creditor as compared to mailing your payment to the creditor from your residence.

Payment Delivery Guidelines:
Electronic payments: 2-4 business days
Check payments: 4-6 business days

When you set up a new payee it will always inform you that it will take up to 8 business days to deliver because it is a new request and needs time to determine whether the scheduled payment can be received electronically or by mail. If you set up a new payee and then check back in 2-3 business days, the delivery time will have adjusted to either 2 or 6 days depending on whether that payee can accept electronic payment.

When does SELCO Community Credit Union take the money out of my account?
Your designated Bill Pay account will be debited on the date you scheduled your payment to be paid, or the next business day if your scheduled payment date happens to be on a weekend or a holiday.

Can I still use paper checks, like I do now?
Yes. You can write checks anytime.

What happens if I set up a payment but I do not have the funds in my account?
The payment will not be sent. Bill Payer is not able to access any automatic overdrafting you may have set up with your account so it is necessary for all available funds to be in your designated Bill Pay account on the date that you intend for your payments to be sent.

What do I need to get started?
If you already use Online Banking, simply click the link that says "Pay Bills" and follow the instructions from there. If you haven't signed up for Online Banking yet, click here or call (541) 686-8000 to sign up.

Can I stop payments?
If you change your mind on a future-dated payment, you may change the payment as long as it has not yet been processed.

Mailed Check Payments: You can stop Bill Payer payments that are sent by mailed check. There is a $10 fee for this service. Please contact SELCO to request a stop payment for mailed payments.

Electronic Payments: You cannot stop electronic payments once they have been submitted -- contact the payee in question to discuss a refund.

How do I know if a payment was sent?
There are several ways to verify that a payment was sent. The best way is to look at your transaction history and verify that you had a withdrawal for the payee in question. You can also look at your Payment History in Bill Payer and it will list payments that have been sent. Bill Payer will send you a message if it is unable to send a payment due to insufficient funds or some other error.

How do I know if a payment was made?
There are several ways to verify that a payment was made:

Mailed Payments: Your Payment History in Bill Payer will be updated from ‘processed’ to ‘cleared’ once the check clears. You can also contact the payee that you sent the payment to in order to verify that they received it. Also, we can order a check copy of your payment to provide proof of payment if your payee disputes that they have received payment (there is a $5 charge for this service).
Electronic Payments: Your Payment History in Bill Payer will be updated from ‘processed’ to ‘cleared’ once the electronic transfer has been made. You can also contact the payee that you sent the payment to and verify that they have received it. Also, we can provide you with a proof of electronic transfer if your payee disputes that they have received payment (there is no charge for this service).

Can I view the payment history for a specific vendor?
The "Payment History" page in Bill Payer contains a list of all bill payment transactions paid through Bill Payer. This list can be filtered by payee or by date range. By default, the bill payment transactions for all payees are listed for the date range 30 days in the past until 30 days in the future. To  view items sent to a specific payee, click on the "Enter Range" tab, select the payee from the drop down menu, enter the date range you would like to view payment history for, and click the "View History" button to submit your search.

How do I know whether a creditor will receive electronic payment or a mailed check?
Bill Payer Plus will determine the amount of time after it reviews your payee in question. When you first add a payee, Bill Payer states that it will take 8 business days. Wait 2-3 business days after adding that payee and then login to Bill Payer and click on View/Edit Payees. The number of days to actually deliver the payment will have been adjusted to 2-4 days for electronic payments, and 4-6 days for check payments and when clicking on the payee to view the details it should list either check or electronic for the settlement method.

Whom do I contact for help?
You have several options available. Click "Help" within Bill Payer for information such as how to perform a particular task. We also recommend that you use the built-in e-mail feature available under Info Desk, or contact SELCO by email or by calling (541) 686-8000.

How much does Bill Payer cost?
There is no cost for Bill Payer. Pay as many bills as you want each month and you will never be charged a fee for using the Bill Payer service.

Why do some of my bill payer payments take 6 or 8 business days to deliver when other payments I have only take 2 business days to deliver?
The reason for this is that some companies accept electronic delivery of payments and some companies do not. If you have a payment that takes 2 business days to deliver, then that payment is being sent via electronic delivery. If your payments takes 6 or 8 business days to deliver, then that payment is being sent through the mail in the form of a check. When a company that has not been able to accept electronic payment delivery becomes able to, our Online Banking will automatically update your payee information so that your payments are delivered electronically.

Why did I get a message saying that my payment was returned due to an invalid account number when the payment has been accepted in the past ?
Companies occasionally change their account numbers or account number formats and this may cause your payment to be returned. If you receive a message stating this you should contact the company you were attempting to pay and verify your account number with them. If your account number or account number format has changed you will need to delete the payee in bill payer and then add the payee again with the correct account number.

Why was my payment returned due to an invalid address?
Companies occasionally change their payment delivery address and this may cause your payment to be returned. If you receive a message stating this you should contact the company that you were attempting to pay and verify the payment address with them. If their address has changed you will need to delete the payee in bill payer and then add the payee again with the correct address.

I have funds in my checking account but my bill could not be paid due to insufficient funds. Why did I get this message when I had funds available?
When you first log in to Bill Payer your default account is set to be your membership shares. If you want your checking to be your default account you will need to log into online banking, click on the Pay Bills link, and then select the "Change Bill Pay Accounts" link from the menu on the left hand side of the screen and then switch your default bill payment account to your checking account or any other available account that you wish.

I had a direct deposit to my account today, however my payment failed due to insufficient funds. Why did this happen when I had a deposit the same day?
Bill payments are processed at 6:30 am before any direct deposits are processed. In order for your bill payment to be sent you need to ensure that all necessary funds are in your account by 6:30 am on the day you have the payment scheduled for.

Why do some of the payments in my Bill Payer payment history show as cleared when others show as processed?
If payments are sent via electronic delivery they will show up as processed in your payment history. Payments that are sent via a check in the mail will show as processed until the check’s clear our Bill Pay vendor’s account, then your payment history will be updated and those payments that are sent via a check will show as cleared.

I just set up a new Bill Payer payee and it says that the payment will take 8 business days, why does it take so long for a payment to get there?
When you first set up a Bill Payer payee the default delivery time is 8 days. Our Bill Payment vendor will then determine how that payee accepts payments and then they will update the delivery time for that payee. The payee may accept electronic payments or they may need to have a check mailed to them. Electronic payments take 2 business days to deliver and check payments can take 6-8 business days to deliver.

New! When I try to export my account history to Quicken or QuickBooks I’m being prompted by Quicken or QuickBooks to create a new account.  Why is this happening?
When we upgrade Online Banking this can cause a problem with Quicken/QuickBooks recognizing SELCO.  This problem can be resolved by going through the steps listed in the documents below from Intuit.  Please select the appropriate document for your Operating System and version of Quicken/QuickBooks in order to resolve the issue.

• QuickBooks-Mac-2004-2007
• Quicken-Mac-2005-2007
• QuickBooks-Windows-2004-2007
• Quicken-Windows-2004-2006
• Quicken-Windows-2007

Quicken and Quickbooks documents require the free Adobe Acrobat Reader plugin.