What do I need in order to use Synergy FCU's Online Banking?
In order to use Online Banking, you must first have a connection to the Internet. This requires two components: a modem, and an Internet Service Provider (ISP). A 28.8 kps or higher modem is recommended for the fastest, most efficient home banking session. ISPs can be a local data communications company, or a national provider such as America Online (AOL). To log in, you will enter your account number and PIN.
How much does Online Banking cost?
Online Banking is free to members of Synergy FCU.
How can I transfer funds between my accounts with Online Banking?
Select the ‘Transfer’ button from the tool bar and a list of accounts from which you may transfer from and to will be displayed. You normally can only transfer between accounts under the same number unless you have setup *Cross Account transfers with the Member Services Department.
*You must be joint on all Cross Accounts you wish to activate with the cross account transfer service.
What is the purpose of a credit union?
The primary purposes are to encourage members to save money and to offer loans to members. Credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.
Are savings deposits insured?
Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
Synergy FCU also carries Excess Share Insurance for members. ESI covers accounts for an additional $250,000, on top of the NCUA coverage.
If I make a transfer, or withdrawal, how soon are the funds transferred or taken out of my account?
As soon as you make a transaction, the results can be seen immediately by viewing the balance screen.
What is the maximum amount that I can transfer or withdraw at one time?
The maximum amount that can be transferred through Online Banking at one time is $9,999.99. The maximum amount that can be withdrawn from an ATM (Automated Teller Machine)is $1,000.00 per day.
When I pull a history of my transactions, how far back can I view?
You will be able to view up to 90 days of history through Online Banking.
Can my account information be imported to Quicken or Microsoft Money?
Web Connect - downloads from the export area of Internet Banking into Quicken or Microsoft Money.
Direct Connect - downloads from within Quicken or Mircrosoft Money.
Do I receive confirmation of my activities?
You will receive a confirmation number when you perform a funds transfer in Online Banking. Transactions can also be viewed on the History screen.
Does Reg. D apply to transactions on the Web?
Yes! Reg. D is applicable to transactions made on Online Banking just as they are on Teller 24.
What kind of encryption for security do you have?
We have the highest encryption available, 128 bits. Encryption occurs for all information going to and from you and Online Banking. Encryption scrambles the transmission, protecting your confidential information.
We also have MFA (Multifactor Authentication), which strengthens security at login. MFA provides additional authentication beyond the user name and password used today.
What information do I need to have ready when I contact Synergy Federal Credit Union with a problem or question?
In order for Synergy Federal Credit Union to assist you as efficiently as possible, try to have the following information available when contacting us:
Date and time of problem
Operating system of the computer (ex: Mac or PC, 486 processor, etc)
Browser type and version
If an error message occurred, try to write down the exact error message
The steps you took that resulted in the error
Is there a time limit for a home banking session?
You can select the time out period under "user options" in Online Banking. The lower the time out period, the more secure you'll be. Time periods range from 20 to 40 minutes.
I can't access the login screen. Why?
An inability to access a login screen could be the result of not having the correct version of a browser. We recommend using either Netscape Navigator 4.0 or Microsoft Internet Explorer 4.0. If you do not have at least this version of these browsers, you can go to either of the homepages and download the latest version.
Click on "test your browser" if you still cannot log in after gettgin to the log in screen.
How does Bill Payment & Presentment pay my bills?
For each payment you authorize, Bill Payment & Presentment will make an electronic deduction from your checking account and send a check or electronic payment to your Payee - depending on the type of payment accepted by that Payee.
Do I have to use Bill Payment & Presentment for every bill?
No. You can choose which bills you want to pay through Bill Payment & Presentment. For your convenience, we encourage you to pay all your bills online but it's not required.
How long does it take for the Payee to receive my payment?
The Payee will receive payment depending on how the Payee accepts payments. If payment is sent by electronic transaction it should arrive in three business days. If the payment is sent by check, it should arrive in five business days.
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