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One Source Home Banking FAQ1

What is One Source Home Banking?
One Source Home Banking is a secure remote account access service provided to our members through the Internet. Members enrolling for this service can view their accounts, make transfers between their Share Savings and Share Draft accounts, make payments to One Source loans, and perform other miscellaneous member services.

What types of transactions can I do online?
Specific transactions which can be performed through One Source Home Banking include:

  • Obtain balances and other account details on your share and loan accounts.

  • Make transfers between your share savings and Share Draft accounts and from your share savings and Share Draft accounts to pay your consumer loan.

  • Withdraw from $5 up to $1,000 from your share savings account, by check, to be mailed to your share savings account address-of-record on the next business day.

  • Review transaction activity on your share savings, Share Draft, and Loan accounts. Also, you can review the payment date and amount for any specific Share Draft paid and the date and amount of any deposit or dividend credited to your share savings or Share Draft.

  • Obtain selected information on your loan accounts, including the due date of the next payment, and the amount necessary to pay off your loan.

  • Find out the original face amount, dividend rate, date and current value of any of your Share Certificates or IRAs.

  • Import selected transactions from share savings and Share Draft accounts to personal financial management software including Quicken® and Money®.

  • Make miscellaneous Member Service requests, such as: stop payments, statement copies, check copies and check reorders.

  • Send a secure, free-form message to One Source.

 

How much does One Source Home Banking cost?
One Source Credit Union is pleased to offer this Internet account access service free of charge.

Is it difficult to learn to use One Source Home Banking?
No. One Source Home Banking is very intuitive and easy to use. In most cases you just point and click, or fill in requested information. Additionally, there is an online help function which will guide you through the system if needed.

How do I sign up for One Source Home Banking?
You can request One Source Home Banking service by calling or stopping at one of our three branch locations. You will need to sign an Electronic Funds Agreement.

Can I access or view my family accounts?
Family accounts can be accessed via One Source Home Banking; however, a separate enrollment must take place for each account. The primary and family accounts may be viewed separately, once you have access, but not under one view. Logging on to One Source Home Banking does not automatically link you to all accounts to which you have access. You will need to log on separately for each account.

Primary members on an account, 14 years of age or older, may enroll by calling or stopping at one of our three branch locations. You will need to sign an Electronic Funds Agreement. For the account of a minor child under the age of 14, access must be authorized by the parent or legal guardian who is also the joint owner on the account. Complete the member section of the application and sign the child's name followed by your own in the space designated for the member. Then, to add yourself as an authorized user, complete the authorized user section of the application naming yourself as an authorized user, so that you can access the account.

Third-party transfers, even within family accounts, are not offered through the One Source Home Banking system.

Can I authorize someone else to use my One Source Home Banking service? How?
No. Only joint owners may have access to your One Source Home Banking service. The One Source Home Banking service will display important account information that should only be viewed by the account owners.

Where is the One Source Home Banking link (or button) on your Web Site?
You will find the One Source Home Banking "button" link on the every page of our Web site. One Source's Web site address is: http://www.onesourcefcu.coop
Is the Internet safe and secure for online account access? Can other Internet users see my account information?
When you are using One Source Home Banking, you are using a secure site. One Source is committed to online technology and has taken steps to ensure that accessing your accounts via the Internet is safe and secure, by implementing state-of-the-art security standards.

Additionally, we allow you to select a password of your choosing that will be easy for you to remember and keep "secret." This password is used to authenticate you each time you log on to the One Source Home Banking system, prior to allowing you to begin viewing your information. The confidentiality of your accounts is maintained as the data is passed from our host computer to your personal computer in an encrypted format, where your browser then decodes the information for you to view. This prevents the data from being intercepted and/or viewed by an unauthorized third party. One Source has also installed secure firewalls to ensure that no unauthorized access is permitted. These firewalls have also been tested by an independent professional services consulting firm to ensure that they cannot be breached. Additionally, each user session is set up for a specific period of time; when it is exceeded the session times out. If your session times out, and you are not finished using One Source Home Banking, you will need to log on again. This reduces "the window of opportunity" for an unauthorized user to access your account information if you walk away from your computer without logging off of One Source Home Banking. Every effort was made along the way, as the system was designed and developed, to ensure that this system is as secure as possible.

The credit union is confident that offering you account access through One Source Home Banking is safe and that your account information remains confidential, as long as you follow safe computing standards.

One Source strongly recommends that you use a secure browser with 128-bit, U.S. security level, Secure Sockets Layer (SSL) encryption for accessing One Source Home Banking.

How can I keep my account information confidential when using One Source Home Banking?

  • One Source Credit Union is confident that we have taken all of the necessary security precautions to ensure that our Internet account access service is secure and that your account information remains confidential. However, it is also your responsibility to play an active role in protecting the security of your accounts. Following are ways that you can protect yourself and your accounts:

  • Never share your password with anyone-- even family members. If you are the only one who knows your password, you have protected your accounts against unauthorized access. AND REMEMBER, NO REPRESENTATIVE OF ONE SOURCE FEDERAL CREDIT UNION WILL EVER ASK YOU FOR YOUR One Source Home Banking PASSWORD.

  • We recommend that you change your password on a regular basis; but you should always change your password immediately if you think that your password may have been compromised, and contact the credit union immediately.

  • Do not walk away from your computer in the middle of an active One Source Home Banking session. If you are logged on, and walk away, anyone can sit down to your computer and have immediate access to your account(s). Always remember to log off when you are finished with your session.

  • One Source strongly recommends that you clear your browser's cache before you leave the One Source Home Banking site. This prevents someone else from being able to view your account information which is temporarily stored on your computer. You can clear your cache two ways: 1) close down your browser and then re-initiate it; or 2) you can clear your cache, without closing your browser, by using the instructions provided in your browser's online help system or your browser's preferences menu.

What kind of computer equipment and software do I need?
To use One Source's Internet account access service it is strongly recommended that you have a personal computer (PC) with a secure browser which supports 128-bit, U.S. security level, encryption. If you do not have a 128-bit, U.S. security level, encryption browser, then at a minimum you must have a compatible browser with 40-bit encryption or 128-bit International encryption. However, you should be aware that a 128-bit, U.S. security level, encryption browser will be required to participate in the bill pay service which will be available early next year.

Because One Source Home Banking is accessed through the Internet you do not need any special software. It works with both Windows (3.X, 95 and NT) and with MACs.

What kind of browser do I need to have?
To use One Source's Internet account access service it is strongly recommended that you have a personal computer (PC) with a secure browser which supports 128-bit, U.S. security level, encryption. If you do not have a 128-bit, U.S. security level, encryption browser, then at a minimum you must have a compatible browser with 40-bit encryption or 128-bit International encryption. However, you should be aware that a 128-bit, U.S. security level, encryption browser will be required to participate in the bill pay service which will be available early next year. Info on MacIntosh

Where can I get a "secure" 128-bit, U.S. security level, browser if I don't have one?
Netscape, Microsoft and America Online (AOL) each have web sites where you can download the 128-bit, U.S. security level, encryption browser to your personal computer (PC). For more information, contact your Internet Service Provider (ISP).

Why should I clear my browser's cache, and how do I do this?
After you leave the One Source Home Banking, make sure that you clear your browser's disk cache to prevent someone else from being able to access this information stored on your computer.

You can clear your cache two ways: 1) close down your browser and then re-initiate it; or, 2) you can clear your cache, without closing your browser, by using the instructions provided in your browser's online help system or your browser's preferences menu.

Can I use One Source Home Banking with a Mac?
Yes, you can use a Mac for accessing One Source Home Banking, provided you have a compatible browser. However, keep in mind that the size of your monitor, how you set your computer preferences and the type of browser that you use may affect how information is displayed on your screen. For specifics on browsers that are compatible with One Source Home Banking please refer to the question "What kind of browser do I need to have?".


 

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