One Source Home Banking FAQ
What is 128-bit encryption?
Encryption is a process used to scramble confidential data passed between two points so that it is not readable to others. 128-bit encryption is the most secure encryption currently available for use on the Internet. The "128" refers to the length of the encryption key used to scramble the data; the longer the key, the greater the security.
To use One Source's Internet account access service it is required that you have a personal computer (PC) with a secure browser which supports 128-bit, U.S. security level, encryption. 128-bit, U.S. security level, encryption browser will be required to participate in the bill pay service and (B.O.B) Banking online Branch.
Can I download to Quicken® and Microsoft Money®?
Yes, you can download the transactions from your current and previous statement cycles, for your share savings and Share Draft accounts, to export into popular personal financial management software packages, including Quicken and Money. You will need to name the download files with a name that uniquely identifies the downloaded file, using a ".qif" extension, so that you can easily identify the file that you wish to import (e.g., if you are downloading your share savings and Share Draft transaction activity for the previous statement cycle you will want to name each of the files differently so that you do not accidentlly import your share savings information into your Share Draft history.)
Can I access my One Source accounts using Quicken® and Microsoft Money®?
No, One Source Credit Union is not a Quicken or Money financial partner; i.e., you cannot access your One Source account information through the Quicken or Money system, based upon the relationship that you have (or establish) with them. However, you can download share savings and Share Draft account transaction activity for the current and previous month statement cycles to your personal computer using the Bell Online Branch system, and then import the data into your Quicken or Money software package.
Can I pay bills using Quicken® and Microsoft Money®?
If you already have an agreement with a third-party bill pay provider (such as Quicken or Money) you may continue to use the service. The service will not change, and the transactions will continue to post to your account as they currently do. You can download your Share Draft account transaction activity for the current and previous month statement cycles to your personal computer using the Bell Online Branch system, and then import the data into your Quicken or Money software package in QIF format. You will not be able to use Quicken or Money to initiate payment of a bill through the Bell Online Branch system.
One Source will offer a web bill pay service early next year as a companion product to its Internet account access service; however, you must enroll for this service separately.
What is Download QIF?
Download QIF is a term referring to the ability to export account information from your financial institution to popular personal financial management packages, such as Quicken(r) or Money(r). With Bell Online Branch you can download online transaction history from the current and previous statement cycles, for Share Savings and Share Draft accounts, to Quicken(r) and Money(r). QIF stands for Quicken(r) Interchange Format, which describes the format or data field specification that is used to transfer transaction information.
What days and hours can I use Bell Online Branch?
Bell Online Branch will normally be available 24-hours a day, seven days a week, with the exception of a small window of scheduled system unavailability on Saturdays between 4:00am and 8:00am Mountain Time. This window of unavailability is scheduled for system maintenance and/or upgrades; however, it may not be used each week. If there are no system changes required, the Bell Online Branch system will also be available during this time period.
I can't connect to the Bell Online Branch system. What should I do?
Contact your Internet Service Provider (ISP); or if you are an America Online (AOL) user, contact AOL for technical assistance.
When will my Bell Online Branch transactions post to my account(s)?
Transfers made through Bell Online Branch will be immediately reflected on the "To Account" Balance and the "From Account" Balance on your Transfer/Payment receipt, and they will appear on the online Share History, accessible through the Main menu. Transfers will also be reflected on the Available Share Savings and Share Draft Account Balances on the Account Summary and Account Detail screens at the time that you submit the transfer request. To see your new Available Share Savings or Share Draft Account balances, you must refresh your balance by clicking on the Accounts icon on the navigation bar or by using the View Different Account button at the bottom of each screen. Using your browser's back button will not refresh your account's Available Balance.
Payments made to consumer loans will be posted on the same business day as they are made. Additionally, all authorized ATM, POS and Bell Audio Response Teller(B.A.R.T.) transactions are reflected in the Available Account Balance.
Can I make transfers to my family accounts or perform other third-party transfers within One Source?
No. Third-party transfers, even within family accounts, are not offered through the Bell Online Branch system.
When will One Source process my Member Service requests received through Bell Online Branch?
Member Service requests for Check Copies will be processed in as timely a manner as possible, depending upon the other copy requests in the work queue.
Member Service requests for Share Withdrawals by Check will be processed on the next business day. „Business days are Monday through Friday, with the exception of holidays.
Member Service requests for Statement Copies will be processed in as timely a manner as possible, depending upon the other copy requests in the work queue.
Member Service requests for Stop Payments will be processed on the next business day. Business days are Monday through Friday, with the exception of holidays.
Your secure Message to One Source is important to the credit union and will be processed in as timely a manner as possible. Our goal is to respond to your message electronically within three business days. However, there may be instances where questions or requests require research which will not allow us to respond within the three-day time frame.
What if I forget my Password?
If you forget your One Source Home Banking password you will need to call One Source FCU Toll free at: 1-800-532-0223; or if in El Paso: 592-0223. We will reset your password to a predetermined Temporary Password for you to change.
Can I e-mail One Source?
Yes. You can use Internet e-mail to correspond with One Source FCU at mailto:firstname.lastname@example.org?subject=WEB/ONLINE QUESTION/COMMENT. PLEASE KEEP THE FOLLOWING IN MIND. Because sensitive account related information will undoubtedly be involved in many e-mail communications, to and from members, we want to ensure that the service we offer is secure. Today, most Internet-based e-mail is not secure and therefore would be inadequate for passing sensitive financial information over the Internet. In addition, it is important that we can positively identify incoming member requests. Include your name and contact information, as well as a general description of why you are writing. Do Not include sensitive account information, i.e. account number, social security number, birth date, etc.
One Source Home Banking does have a messaging system that provides a means for secure communications between members and the credit union; to locate this option, click on the "Message Board" icon on the main menu, and then select the "Leave Message" option which will be displayed. This messaging system takes advantage of password authentication and 128-bit, U.S. security level, Secure Sockets Layer (SSL) encryption.
Does One Source Home Banking include a bill pay service?
One Source will offer a Web Bill Pay service as a companion product to its Internet account access service early next year; however, you must enroll for this service separately. This convenient, easy to use service will provide you with a method to pay your bills using the Internet, 24-hours per day. There continues to be no charge for the basic Internet account access service.