1. What do I need in order to begin using Online Banking?
1. A computer with access to the internet
2. A web browser with "cookies" enabled
3. A web browser capable of 128-bit encryption
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2. What can I do in Online Banking?
You can access each of your WPCCU accounts from any Internet capable computer 24 hours a day, 7 days a week. With Online Banking, you can:
1. Review account and loan balances
2. Review account details such as deposits, withdrawals, and cleared checks
3. Transfer funds between accounts including loan payments and cross-member accounts
4. Download account details for use with your financial software
5. Pay bills electronically with Bill Pay
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3. Is Online Banking secure?
Yes, our Online Banking service uses several different methods to ensure that your information is secure. Two of the most important of these methods involve the securing of information as it is transmitted and the securing of information on your computer (cached information) stored by the web browser.
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4. How do I start using Online Banking?
1. Complete the Online Banking Sign-up form when you open an account
2. Retrieve your assigned password, which will be emailed to you once your Online Banking account has been established
3. Visit our website and click on Online Banking Login. Login using your WPCCU ID and your assigned password
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5. How does Bill Pay work?
To use Bill Pay, you must have a checking account with WPCCU. Our Power Checking account is FREE to all members. For more information on Bill Pay features and demo, visit our Bill Pay section today!
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6. I have forgotten my password. What should I do?
• Self help: Go to the Online Banking Login page. Click on "Password Reset" and follow the onscreen instructions.
• Call Us: Please call 800-300-9728 and Telephone Service Representatives are available to assist you Monday through Friday from 8:00 a.m. to 6:00 p.m.
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7. I have been locked out of Online Banking. What should I do?
Please contact our Member Support Center at 800-300-9728 to have your password reset. Telephone Service Representatives are available to assist you Monday through Friday from 8:00 a.m. to 6:00 p.m.
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8. I have forgotten my user id. What should I do?
Please contact our Member Support Center at 800-300-9728 for your member number or login ID reset.
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9. When attempting to log on I get returned to the logon screen without an error message. What should I do?
Check that your web browser has cookies enabled. To learn how to enable "cookie" on your web browser, please click here.
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10. When attempting to log on I receive the following message "The page must be viewed with a high security web browser." What should I do?
Your web browser does not support 128-bit encryption. Some older browser versions have a "patch" available but your best bet is to upgrade your browser to the current version. You can download the current version versions of Internet Explorer, Netscape, Firefox, or Safari by clicking on the appropriate link below.
• Internet Explorer
• Netscape Navigator
• Mozilla Firefox
• Apple Safari
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11. When attempting to login I received the following message "This login session is not allowed as you already have an existing Internet Banking session on this computer." What should I do?
Please close all your intenet browsers and login again. If the problem persists, please call 800-300-9728, Monday through Friday from 8:00 a.m. to 6:00 p.m. for assistance.
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12. How do I change my Online Banking password?
Login to your Online Banking account. From the top menu, select "User Options" and click on "Change Password." If you don't have a password or simply forgot it, please click here.
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13. How do I change my address or other contact information?
Login to your Online Banking account. From the top menu, select "Secure Forms" and click on "Change of Address Form." You may also contact our Members Service Representative by calling 800-300-9728, Monday through Friday 8:00 a.m. to 6:00 p.m.
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14. I'm getting a "Member Verification Error #1040." What does this mean?
The system is unable to verify your username and password. Please make sure that your "Caps Lock" key is not on.
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15. How do I download my account information for use with my financial software?
- Log in to Online Banking
- Click on the "Account Access"
- Click on "Export" from the sub-menu
- Select your "Source Account" from the dropdown menu
- Choose the date range for the transaction
- Select the export format
- Click on the "Download Data" button
- Select "Open" and choose your financial software
Note:
- If your software fails to open automatically after step #8, try opening the software and repeating from step #1.
- Versions of Quicken older than Quicken 2004 may require you to save your file to your computer and then use Quicken's "Import" feature for inserting information into Quicken. Refer to your software's "Help" section for instructions on importing your data.
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16. Can I view my MasterCard statement online?
Yes. Simply log on to your Online Banking account and click on the "Credit Card" link from the top menu.
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17. What are cookies and how do I enable them?
Cookies are small text files that websites can place in your computer to help your web browser remember specific information. Cookies are used in Online Banking to ensure that only your computer has access to your account information while you are logged on.
The follwoing instructions are for members using Internet Explorer version 6.0. Please refer to your browser's "Help" section for other versions and browsers.
- Click on the "Tools" menu
- Click on "Internet Options"
- Click on the "Privacy" tab
- Click on the "Edit" button
- In the "address of website" window, type "https://www.wpcuhb.org/onlineserv/HB/Signon.cgi"
- Click on the "Allow" button
- Click on the "OK" button twice to exit
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18. What is 128-bit encryption and how do I determine my web browser's encryption level?
Information transmitted over the Internet can be scrambled in such a way that a key is required to unscramble it. Information scrambled with 128-bit encryption technology has well over 339 trillion (2^128) possible key combinations. For the math guru, breaking a 40-bit encryption would take about a week, it would take 72 million weeks (~1.4 million years to even break 56-bit encryption and significantly longer than the age of the universe to crack a 128-bit key.
To determine the encryption level for Internet Explorer and Netscape Navigator you can click on the "Help" menu and select "About <Browser Name>." For Internet Explorer look for "Cipher Strength: 128-bit" in the displayed window, for Netscape look for "This version supports high-grade (128-bit) security" in the displayed window.
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19. Are the transaction posted in real time?
All transactions are posted in real time.
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20. What is the difference between Balance and Available Balance?
Balance: All money currently held in an account
Available Balance: Current balance less any pending payments or held deposits not currently available for disbursement. These can include but are not limited to:
• Point of sale transactions
• Check authorizations
• Membership deposit and
• ATM deposits
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21. Why was I asked to login again after I stepped away from my computer for a while?
For your account security, the system will automatically log off after five (5) minutes of inactivity. You can change the automatic log off time by logging in to your Online Banking account, click on "User Options" and select "Change Timeout."
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22. What is WPCCU's routing number?
Also known as a "routing and transit" or "ABA" number, our routing number is 322078422. The routing number and ABA are the same for both savings and checking accounts. If you have a checking account, this routing number is listed on the MICR line of the check and is the first 9 digits listed.
