           |
|
 
Click
here to access Online Banking!
Hamilton Horizons Federal Credit Union will never ask for personal information on-line or via email.
Nor will we call to ask you to give us personal information.
Online
Banking is here! You can now access your accounts anytime,
anyplace, by logging on to our website www.hamiltonhorizons.org.
Hamilton
Horizons’ Online Banking will give you real time access to your
accounts and are offered through a secured connection.
You can view your account balances, make transfers, review
your history, pay your loans, and more. And…Online Banking is free! Its just
one of the ways we’re enhancing service to you.
Members will not be automatically registered to use Online Banking.
To register for the Online Banking product follow these simple steps:
- Log on
to www.hamiltonhorizons.org and click on the Online Banking Button
midway down the page. You will be directed
to the Online
Banking log in screen.
- For first
time users, click on the REGISTER NOW text on the left.
-
Follow the instructions for secured protection of your account. (You
will need your Call 24 PIN the first time you sign on, if you don’t
have one or don’t know it, please call the Credit Union office
at (609) 631-4300 during business hours).
- You will
now have easy and complete access 24 hours a day, 7 days a week,
to all your Hamilton Horizons Federal Credit Union accounts.
Frequently
Asked Questions on Online Banking
Getting Started
Account History
Browsers
Equipment
Fees
Funds
Transfer
Joint
Accounts
Logging
On
Miscellaneous
Password
Error
Messages
Security
Getting
Assistance
Getting Started
| Q |
What
kind of Internet browser do I need? |
| A. |
Any
browser that supports the SSL (Secure Sockets Layer) protocol,
HTML 3.0, Java Script, and tables will work. The site is most secure
when using either Netscape Navigator or Microsoft Internet Explorer,
both of which have been certified for use at our site. The two
most current releases of each of these browsers are compatible
with our system. AOL users may experience some minor distortions
in the appearance of fonts, table alignment, etc., but this does
not affect system functionality. |
| |
|
| Q |
Why
didn‘t my password change when I tried to change it? |
| A. |
Your password is case sensitive and must contain from 8-16 characters. It must
contain a combination of upper and lower case letters plus at least 1 special
character or number. |
| |
|
| Q |
Once I sign
up, when can I start using Online Banking? |
| A. |
As soon as you receive confirmation that you are enrolled, you can use Online Banking.
To log on to the system you will always need to provide a User ID and a password.
The first time you enter the system, you will need your Call 24 PIN to register.
If you do not have a Call 24 PIN you must contact the Credit Union at (609)631-4300
or toll free at (800)449-3221. |
Account History
| Q |
How
can I see if a share draft/check has cleared? |
| A. |
By
using the Account History function, you can view all share drafts
that have cleared your account. For example, to find out if a share
draft/check you wrote last week has cleared, click on Account History
and select the checking account suffix from which you wrote the
share draft. Enter the period you want to view and press the Submit
button. All the transactions that have cleared your account for
the period requested will display. Look to see if the share draft/check
is there. |
| |
|
| Q |
How
many months of Account History does Online Banking have available? |
| A. |
History
is available for the last 3 months. Account History will allow
you to view all transactions on a particular account. |
| |
|
| Q |
How do I
download account information to import to Excel, Quicken or MS
Money? |
| A. |
If you wish
to download your account history into your personal financial management
software, you may do so by scrolling to the bottom ot the Account
History screen. Simply select the appropriate format for your software.
You may save this file or open your software immediately. To enter
the downloaded information into your personal records, follow your
software‘s directions. |
| |
|
| Q |
What kinds
of accounts allow transfer activity? |
| A. |
Allowed transfers
may vary based on the rules for your account types. Some transfers
are not allowed, such as a transfer to or from a CD. |
| |
|
| Q |
Why do I
get a confirmation number when I make a transfer? |
| A. |
Confirmation
numbers are provided for all confirmed transfers. It is also a
reference number that can be used for requested research. |
Browsers
| Q |
What
browsers will I need to use with Online Banking? |
| A. |
Either
Netscape Navigator 6.0 (or higher) or Microsoft Internet Explorer
5.5 (or higher). Unix and MacIntosh versions of these browsers
will also work with Online Banking. |
| |
|
| Q |
Does
it matter who my Internet Service Provider is? |
| A. |
Having
Internet access is the key. It is important that you use a browser
that supports Online Banking. If you subscribe to AOL, you must be
using version 6.0 (or higher) of AOL. |
| |
|
| Q |
What should
I do if Online Banking does not support my browser level? |
| A. |
Online Banking
will not allow connections from browsers that do not support high-level
security encryption. If your browser level is not acceptable, you
can go to Netscape or Microsoft‘s home page to download an
acceptable version. |
Equipment
| Q |
What
computer equipment is needed to access Online Banking? |
| A. |
There
is no special computer equipment needed to use Online Banking. You
must have a modem, Internet access, and one of our supported browsers.
We recommend a Pentium processor. MacIntosh computers will also
be able to access Online Banking. |
| |
|
| Q |
Are
there any requirements for my modem? |
| A. |
For
optimum use, you should use the fastest modem your connection will
support. Online Banking will transmit information and graphics using
a 56K modem. |
Fees
| Q |
Is
there a charge to use Online Banking? |
| A. |
No.
There is no cost to the member to use this service at this time. |
Funds Transfer
| Q |
How
can I transfer funds between my accounts with Online Banking? |
| A. |
Transferring
funds between your Credit Union accounts is easy with Online Banking.
After selecting the Account Summary function from the left vertical
tool bar, a list of your accounts from which you may transfer FROM
and TO will be displayed. Simply select the appropriate accounts,
enter the amount you would like to transfer, and press the Submit
button. |
| |
|
| Q |
How
much can I transfer at one time? |
| A. |
The
largest amount that you can transfer is the available balance. |
| |
|
| Q |
What kinds
of accounts allow transfer activity? |
| A. |
Allowed transfers
may vary based on the rules for your account types. Some transfers
are not allowed, such as a transfer to or from a CD. |
| |
|
| Q |
Why do I
get a confirmation number when I make a transfer? |
| A. |
Confirmation
numbers are provided for all confirmed transfers. It is also a
reference number that can be used for requested research. |
Joint Accounts
| Q |
Can
I access and view other family accounts? |
| A. |
You
can view any family accounts on which you are a joint owner. If
you are already a joint owner on another account, check on Update
Accounts to add or remove accounts. Currently, as long as both
parties sign cross account authorization forms, both parties can
have access to each other's accounts. Cross account authorization
forms must be requested from the Credit Union. |
| |
|
| Q |
Do
all joint owners need a separate ID and password? |
| A. |
Only
one user ID and password is required for all. Please safeguard
this information. |
Logging On
| Q |
How
do I access the Online Banking system? |
| A. |
If
you have not previously registered on the Online Banking system then
you will need to click on "Register Now" and fill in
the Self-Registration information. You must have a Call 24 PIN
and an active checking account to sign on. |
| |
|
| Q |
Why
did the system prompt me to log on again when I had already provided
my User ID and password once before? |
| A. |
This
is a security feature designed for your protection. If several
minutes elapse without a request from you for anything from the
Online Banking system (other than this FAQ or HELP), then the system
ends your session and does not allow further transactions until
you login again. This can prevent others from performing transactions
on your computer in the event that you forget to exit the system
properly. |
| |
|
| Q |
Do I need
to complete a form prior to logging on to Online Banking? |
| A. |
There are no
forms at the Credit Union that must be filled out prior to using
the system. However, you must fill in the Self-Registration information
in order to activate your account for use with Online Banking. (See
How do I access the Online Banking system) |
Miscellaneous
| Q |
What
is a cookie and how do I disable the warning message when I keep
getting messages about receiving a cookie? |
| A. |
Cookies
are small pieces of information, sent from the server, to be stored
in a file on your computer. Cookies can be used for many purposes,
but at our site, a cookie is used to store security information
needed to maintain a secure, confidential connection to our Internet
server. You can disable the cookie-warning message, but you must
accept the cookies. Please refer to your browser’s HELP function
for instructions on changing your options for cookies. |
| |
|
| Q |
Can
I use the Back feature of the browser to go to a page that I
have already been on, or do I need to use the menus to get there?
Will it work the same or cause a problem? |
| A. |
Yes.
You can use the Back button to return to prior pages, but it is
recommended that you use the menus and selection procedures on
the pages. For security reasons, some pages automatically expire
so that you cannot return to them. If you encounter this, simply
use the menus to go to the desired location. |
Password
| Q |
Is
my password case sensitive? |
| A. |
Yes.
The system recognizes upper and lower case, special characters
and numbers. It is suggested your password be a combination of
these, with a minimum of eight (8) characters. We also suggest
you change your password every 90 days. |
| |
|
| Q |
What
if I forget my password? |
| A. |
If
you forget your password follow the link on the Online Banking Home
Page called "Forgot My Password". This will bring up
a form that will ask you for your Account Number, Call 24 PIN and
the UserID you setup when you registered for Online Banking. Then
you can enter a new password and confirm it. If you don't remember
the UserID you setup, then you will need to contact the Credit
Union at (609)631-4300 or toll free at (800)449-3221. This is a
security precaution to protect your account. |
| |
|
| Q |
What if
I enter the wrong password? |
| A. |
After three
wrong attempts to enter your password the system will temporarily
lock your account to prevent anyone from trying to guess your password
through multiple attempts. You may try again after fifteen minutes,
or contact the Credit Union at (609)631-4300 or toll free at (800)449-3221
if you are still experiencing problems. |
| |
|
| Q |
How do I
change my password? |
| A. |
In order to
change your password you must first be logged in to the Online Banking
system. Then you will see a menu option of "Change Password" on
the left side that will bring up a form for doing this. You will
be asked to enter your existing password and then a new password
and confirm the new password. If you have forgotten your existing
password you must follow the steps outlined in What if I forget
my password?. |
Error Messages
| Q |
" The
page cannot be displayed" |
| A. |
If
you can view the other areas of our Website, but are unable to
access Online Banking, it may indicate a problem accessing all secured
Websites. Both your browser and Internet service provider must
support secured sites. |
| |
|
| Q |
" Please
verify and re-enter User ID and password." |
| A. |
If
you see this message when trying to login to Online Banking, then
you either entered an invalid User ID or your password was entered
incorrectly. Since passwords are case sensitive, check to make
sure the Caps Lock key is not on as it may alter the way your password
is being entered. |
| |
|
| Q |
Other Error
messages |
| A. |
If you get
another error message that is not listed here or answered in this
FAQ or in the online HELP then please contact the Credit Union
at (609)631-4300 or toll free at (800)449-3221. |
Security
| Q |
What
type of security is used by Online Banking? |
| A. |
128-bit
encryption. |
| |
|
| Q |
Can
anyone from the "outside" access the Online Banking site? |
| A. |
No.
Only members with the correct password and log on can access Online Banking. |
| |
|
| Q |
What is
encryption? |
| A. |
Turning meaningful
words and numbers into coded language - that is, encryption. Your
password as well as all information relating to your accounts and
your enrollment are scrambled using some of the strongest forms
of encryption commercially available for use over the World Wide
Web. We encrypt your Online Banking sessions within our servers,
providing you with stronger, 128-bit encryption without requiring
you to upgrade your standard 40- or 56-bit browser version. |
Getting Assistance
| Q |
Who
will answer my questions about Online Banking? |
| A. |
A
Member Service Representative can help you with most questions.
Please call (609)631-4300 or toll free (800)449-3221. There are
also extensive HELP screens as well as this FAQ in Online Banking
that should answer most of your questions. |
| |
|
| Q |
Can
I e-mail the Credit Union? |
| A. |
Yes.
However, the e-mail through Online Banking is NOT secure. Please
do not provide any confidential information. |
|
 |
