First Northern Credit Union

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	OnLine FAQs Have Membership Questions? Click Here. Online Banking \| Online Security \| Email Scams Online Banking Why am I required to go through so many steps to sign onto my online account? Your privacy is very important to us. So, we’re using a new, more-secure identity protection system for access to your online account, it's called Multifactor Authentication. For more information on how it works, click here. Why use First Northern CU’s OnLine Services Solutions? Internet Home Services is one of the most convenient and safe ways to access your accounts. First Northern’s OnLine solution allows you to check balances, verify transactions and history, access statements, transfer funds between accounts, transfer loan payments, withdraw funds by check, all with the click of a mouse. This powerful tool is available to you anywhere you have an Internet connection. Anytime, anywhere – seven days a week, 24 hours a day! Withdrawal requests made Monday - Friday are sent out the same business day, unless they are requested after 5:00 p.m., in which case they will be mailed the next business day. Checks are mailed from our Monroe Street office. Is there a fee for OnLine Services? First Northern Online is free to all our members. How do I sign up for OnLine Services? Complete the OnLine application on our website and submit the form as directed. You will be emailed a temporary password. Please allow one business day for your OnLine Services access to be activated. Once activated, you will need a PIN to begin using OnLine Services. If you currently have a PIN to access MAP (Members’ Audio Program), you will use the same PIN for OnLine Services. If you do not have a PIN, please indicate this on your OnLine application and you'll be emailed instructions. Can I change my PIN and Password? Yes. You can change your PIN and password using OnLine Services. This will become the PIN that you also use for MAP. Please note, that your PIN must be four (4) numeric characters. Following are the steps to change your PIN and/or password: Log into OnLine Services, using your temporary (or current) password 1. Click on “Account Browser,” 2. Click on the icon of a lock, which is on the upper right side of the screen, 3. Select which security options you wish to change, The next time you log into OnLine Services, you will use your new security options. Your new PIN and password are not kept at the credit union. We will assign a new PIN and password, at your request, if you forget either of them. What accounts can I access through OnLine Services? You can access your First Northern • Savings accounts • Checking accounts • Loan accounts • Certificates of Deposit • VISA credit cards How do I sign up for eStatements? To enroll, simply log onto online banking, click on "eStatements," and follow the prompts. How current is the information on my screen? Account balances and transactions are obtained directly from First Northern CU’s computer system, therefore all are real time, up-to-the-minute balances. Please note that First Northern CU uses a third party vendor for processing VISA credit card transactions, which is now accessible through First Northern Online Services . How fast is my connection to OnLine Services? The OnLine Services access time is subject to the constraints associated with the Internet. The faster your Internet connection, the better your performance will be using First Northern OnLine Services. Can I download to a software type account manager? It is possible to import account information to one of these programs. First Northern OnLine Services supports both Quicken and MS Money. Log onto Online Services, click on “Export to Money” under “Accounts,” and follow the prompts. Sometimes the system is “down” and I cannot access my accounts. What is wrong? During First Northern’s month-end processing, we are required to have all OnLine Services “down” for a period of time. This typically occurs on the last business day of the month, generally between 6:00 p.m. until about midnight, during which time the system is unavailable. Please refer to the bulletin on the front page of our web site for scheduled “down time” information. Who do I contact if I have question about OnLine Services? Contact us by clicking here» Will my account information be kept private and secure? Yes. Ensuring the privacy and security of your account and personal information was a top priority in developing these services for you. We store no member information on our OnLine Services server. back to top» Online Security What kind of security procedures are in place to protect my information when I am using OnLine Services? All OnLine Service sessions are authenticated and encrypted. The authentication of an OnLine Service session is based on your account number, PIN and password as a combination. The encryption is accomplished by establishing a Secure Socket Layer (SSL) connection between the browser and the OnLine Services server. You can only access First Northern OnLine Services with an SSL compliant browser. What is Encryption Technology? And how can I tell if it is being utilized? First Northern OnLine Services takes advantage of the powerful encryption technology available in Microsoft Internet Explorer and Netscape Navigator. This advanced technology prevents monitoring of your online Services account, as well as unauthorized access to your account information. To verify the encryption technology in your Microsoft Internet Explorer, look for a gold lock in the lower-right hand corner of the screen for PC users, or lower-left hand corner of the screen for MAC users. If the lock is closed, it indicates that your online Services transactions are secure. If the lock is open, it indicates that your transactions are not. For Netscape Navigator users, look for the lock in the lower left-hand portion of your screen. If the lock is closed and glowing, it indicates that your online Services transactions are secure. If the lock is open, it indicates that your transactions are not. Is it Safe? Internet Services is one of the safest, and fastest growing ways to access your accounts today. We use EVERY means available to safeguard your money and keep your account information private. We have implemented more than one security measure including encryption (assigning codes), auto sign-off and Firewalls. A PIN and Password, known only by you, are also required. Are there limited login attempts? Yes. If, after three attempts you are unable to successfully log in to First Northern OnLine Services, you will be locked out. Please contact Member Services at (888) 328-8677 option 2 or emailing us during our regular business hours to regain access. What can I do to protect my account and personal information while I am using online Services? First Northern CU takes numerous precautions to keep your accounts and personal information secure, but you also play a key role in maintaining the security of your accounts. We have provided you with the following suggestions: Keep your PIN and password private. Your online PIN and password authenticate (recognize) you when you login to OnLine Services. You should memorize your PIN and password, and never write them anywhere. Never reveal your PIN and password to anyone, unless you want to allow them access to your accounts. Change your PIN and password regularly. Choose a PIN and password that will be easy for you to remember, but not obvious to someone else. For example, never use birth date, or any part of your Social Security Number or phone number as your PIN. Do not use names of family members, pets, etc as your password. When you have finished your OnLine session, remember to exit the program. Although your session will “time out” after a few minutes of no activity, you may not always be at your own computer, or in complete privacy, when you are online. Therefore, it is important to exit OnLine Services when you are finished. What should I do if I discover an unauthorized transaction on my account? Immediately change your PIN and password. Contact Member Services as soon as you discover any discrepancies. We can be reached at (888) 328-8677 option 2 or email us during regular business hours. back to top» Email Scams What do I do if I receive an email that is asking for personal account information? Per our policy, FNCU will NEVER contact members directly via unsecured methods like email and ask for personal account information (such as account numbers or passwords). If you receive a suspicious email, do not provide any personal or account information. Please contact one of our Financial Service Advisors at our toll-free number: (888) 328-8677 extension 351. Click here to learn more about these scams» back to top»