SecureLink Online Banking

Q: How do I register for SecureLink Online Banking?
A: Register for SecureLink Online Banking by entering your Member Number and Simon Says PIN or the last four digits of your social security number in the upper right hand corner on the Power Financial Credit Union home page, next to the SecureLink lock.

Q: What do I need to be able to sign up for SecureLink?
A: A computer with Internet access and the latest version of Microsoft Internet Explorer or Netscape Navigator. In addition, you will need your Member number and your Simon Says PIN.

Q: What fees are involved with SecureLink Online Banking?
A: SecureLink Online Banking is a FREE service for all members.

Q: What accounts can I access through SecureLink Online Banking?
A: You can access all your Credit Union accounts within your member number and password. To ensure security, we encrypt all information between your computer and Power Financial Credit Union.

Q: How soon after a transaction is performed will it appear on SecureLink Online Banking?
A: While most transactions appear immediately, they may not be posted on our mainframe system as quickly. Please refer to the Electronic Funds Transfer Agreement for specific transaction times.

Q: How do I transfer funds within Online Banking?
A: After logging into Online Banking, click "Account Access" and then click the "Transfer" button. Select the account from which the funds will be withdrawn from. Enter the amount to be transferred and select which account the funds will be transferred to. Click "Submit" and review the information. A confirmation will appear once the transfer is processed.

Q: How do I transfer funds to other member's accounts?
A: To transfer to any other member number, you can submit a "Cross Account Transfer" form. Once logged into Online Banking, click the "Secure Forms" button and select "Cross Account Transfer". Fill in the required information and submit the form. This process is only required once per account number. Once the form has been submitted, it will be processed within 1 business day. Once processed, the other member's accounts will appear in the drop down box as options to transfer funds to. However, the other member's account balances will not appear.

Q: How much account history can I view?
A: SecureLink allows you to view transactions a month at a time. We also store information for the prior six months.

Q: How do I view check images?
A: Click on the check number link and the front and back image of your check is available to you to print or download.

Q: I am locked out of Online Banking. How can I get back in?
A: You can have your password reset by contacting us.

SecureLink eDeposit

Q: What is SecureLink eDeposit?
A: SecureLink eDeposit is an online service that allows you to make your deposits from anywhere you have a secure Internet connection.

Q: How do I register for SecureLink eDeposit?
A: There is no registration for SecureLink eDeposit. Once you are registered for SecureLink Online Banking, you can use SecureLink eDeposit.

Q: How do I make a deposit online?
A: Once you are logged in to SecureLink Online Banking, just click on the "Products & Services" button in the top menu. Choose "SecureLink eDeposit" and follow the simple instructions to make your deposit online. Make sure to write down the session number on the outside of your envelope.

Q: Where do I send my deposit to?
A: When using SecureLink eDeposit, please make sure to write down your session number provided to you. Then promptly send your eDeposit to:

Power Financial Credit Union
P.O. Box 27-8710
Miramar, FL 33027

Q. Is there a limit to how much I can deposit with SecureLink eDeposit?
A. There is up to a $2,000 available limit for all your SecureLink eDeposits. Each deposit you make through eDeposit will reduce your available limit. Once we receive your check(s), the available limit will increase by the amount of the check(s) we receive.

Q. What if I forget to write down my session number? Where can I find it?
A. You can view your session number for any pending deposits by clicking the "Deposit Details" link. All of your pending deposits will be listed including the session number. In addition, you will be able to see the session number in your SecureLink Online Banking account history.

Q: What types of deposits are NOT accepted through SecureLink eDeposit?
A: The following are unacceptable deposits through SecureLink eDeposit:

Online deposit of a Power Financial Credit Union Check Drawn on Your Personal Account - The online deposit of a personal check that is drawn on the same account holder's personal checking account at Power Financial Credit Union is PROHIBITED. Online deposits of this nature will result in the immediate revocation of the SecureLink eDeposit service and may subject the depositor to criminal prosecution.

Non-Negotiable Items - The online deposit of any item stamped with a "non-negotiable" watermark is PROHIBITED. Online deposits of this nature will result in the immediate revocation of the SecureLink eDeposit service and may subject the depositor to criminal prosecution.
Altered Checks - An altered check is any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check. Members with altered checks MUST get a replacement check from the maker before Power Financial Credit Union will accept the online deposit.

Foreign Checks - A foreign check is any check that is issued to you by a financial institution in another country (Canada, France, etc.). Foreign checks may ONLY be deposited by mail.

Incomplete Items - An incomplete item is any item that does not contain signatures of the maker, endorsement signatures, or is missing any of the information required during key-entry in an online deposit session.

Stale Dated Checks - Certain checks contain instructions such as: "Void 90 days after issue date" or "Must be cashed within six months of issue date." Members with stale date checks MUST get a replacement check from the maker before Power Financial Credit Union will accept the deposit.

Cash - Sending cash or coin through the mail is PROHIBITED. Cash may be deposited by going to a Power Financial Credit Union branch location or using an ATM.

Q. I don't have access to SecureLink eDeposit. How do I get access?
A. There may be several reasons why you do not have access:

• If you are not registered for Online Banking, all you need to do is register and you will have access to eDeposit.
  
• If you have submitted a check that is prohibited (see the previous question) then your privileges and access to this service may have been revoked.
  
• If you have reached your available limit for your SecureLink eDeposits, you will not be able to deposit any additional checks.
  
• Other reasons may exist and access to eDeposit is based on Credit Union discretion.
  

Q. What agreement is referenced at the bottom of the Online Services page?
A. The statement references the disclosure the member agreed to during their first login to SecureLink eDeposit. "Disclaimer: All users will continue to be bound by the terms and conditions provided to you during your registration for the services listed on this page."

Q: Is SecureLink eDeposit safe?
A: SecureLink eDeposit uses the same security and encryption measures we employ with all of our other online services. Your security and privacy are of the utmost concern to us at Power Financial Credit Union. View our Security section for more information.

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SecureLink Bill Pay

Q: How do I sign up for Bill Pay?
A: Once you are in Online Banking, click the Payment Manager button. Scroll down to the sentence that reads "Click here to Sign up for Bill Pay" and click the link. The online registration form will be pre-filled. Simply confirm the information and complete any missing fields. Submit the application and upon approval, you will be able to set up your payees right away. Should you have any delay in immediate approval, please contact eBusiness. To log on to Bill Pay, you will simply log in to Online Banking and then click on the Payment Manager button.

Q: When I register for Bill Pay, where are my payments being sent from?
A: Payments to your payees are sent in two methods, either check payments or electronic/ACH payments. All payments are being sent from our Bill Pay providers processing warehouse.

Q: What bills can I pay through SecureLink Bill Pay?
A: You can pay practically anyone- charge accounts, utilities, even your mortgage. Due to legal requirements, we limit the ability to make certain types of payments. Payments to payees outside of the United States are prohibited and may not be issued under any circumstances. In addition, payments directed to the IRS or any state or other government agency, court-ordered payments, such as child support or alimony, are discouraged and should not be sent through Bill Pay.

Q: When is the payment deducted from my account?
A: The payment will be deducted from your account within two (2) business days of the process date. The process date is the date specified by you when you schedule a payment and can be seen on both the Overview screen and Reports section.

Q: What happens if I overdraw my account?
A: If your credit union checking account is set up with overdraft protection from your Savings account when a debit is presented against your account and your balance at that time is not sufficient enough to cover the debit, overdraft protection will transfer the funds, if available, from the savings account as needed.Please note that you may be charged an NSF fee for payments that are returned for insufficient funds.

Q: What happens if I process a payment on my Bill Pay account and I have no funds available?
A: If a debit comes through from Bill Pay, depending on the payment type (electronic vs. check) Bill Pay will handle both situations differently. If your payment went via check and is less than $500, Bill Pay will contact the credit union to verify funds and resubmit the debit. At that time if funds are not available, they will issue a stop payment on the payment in transit. For payments sent by check that are greater than or equal to $500 and funds are not available, a stop payment will be immediately issued on that check payment and alternate payment arrangements will need to be considered. If your payment processed electronically, Bill Pay will attempt to collect funds against your account a maximum of three times. In both situations, if Bill Pay is not able to collect the funds, your account will remain in a blocked status.

Q: Can I make bill payments from my savings account?
A: No, bill payments are only debited from your checking account. A checking account is required to register and use SecureLink Bill Pay.

Q: How do I know if a Payee is set up to receive electronic or check payments?
A: When you perform a Payee Search, you will either see a list of payees. All payees on the payee list accept electronic payments. Otherwise, you will enter the payee manually.

Q: How do I change a payee's remittance address?
A: To update a payee's address, from your navigation links click Payee List to display your list of payees. Find the payee for which you want to change the address and click its name to display the Payee Details page. Within the Payee information section, click the Change information link to display the Edit Payee page. Enter the new address and click Save changes. Please note that some addresses are provided to us directly from your payee to ensure the proper processing of payments. You cannot edit these addresses. If you need to change one of these addresses, please contact us.

Q: When may bill payments be scheduled for processing?
A: Payments are processed on all days excluding Sundays and Federal Reserve Board recognized holidays. In cases where a payment gets scheduled on a Sunday (this can potentially happen on a recurring payment), the payment is processed on the day before (Saturday). If you happen to be setting up the payment on this particular Saturday, the bill payment will be processed on the next banking business day. Also, please note that weekly recurring payments may not be scheduled on Saturdays.

Q: How many days does it take for a payment to reach a payee?
A: Payment processing may take up to 3 business days for an electronic payment or 5 business days for a check payment to reach the payee. You should schedule the process date on a payment up to 5 business days in advance of when the bill is due.

Q:How long do I have to make changes to my scheduled payment before it is processed?
A: Changes to payments can be made as long as you see the "Edit" link available. After this time, Bill Pay begins processing the payments and you will not have the ability to make the change.

Q:To edit pending payments: How do I edit a pending payment?
A: In the Pending Payments section, click on the Edit link. The Edit Payment screen appears. Click the appropriate field and enter the changes. Once the changes are correct, click the Submit Payment button.

Q: How do I cancel a payment?
A: To cancel a payment, click on the Cancel link in your Pending Payments section.

*Note: Deleting a recurring payment will delete all pending payments associated with that recurring payment.

Q: What happens if there are non-sufficient funds (NSF)?
A: Your account access will be blocked immediately. Any future dated payments scheduled to be processed during the time your account is blocked will not be sent. You will incur an NSF fee. Once the NSF has been resolved, you will need to contact the Credit Union to remove the block from your Bill Pay account.

Q: What do I do if my payment has not been received or credited to my account with my payee?
A: In such situations, you should contact the credit union to place a research request and our Bill Payment processor will begin research on the issue.

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SecureLink Enhanced Login Security

Q: What is Enhanced Login Security?
A: Enhanced Login Security identifies you as the true "owner" of your accounts through the use of a "cookie" placed on your computer that identifies each particular user and computer. This feature strengthens the security measures we already employ.

Q: Do cookies need to be enabled to access this feature?
A: The same browser setting requirements that are required today will also be required for Enhanced Login Security. SecureLink Online Banking requires the enablement of cookies today.

Q: How do I change my Security Settings to allow cookies?
A: Here are the steps you can take to change your Security Settings to allow cookies.

Setting Your Computer to Allow Cookies:

• Open Internet Explorer browser (recommended). (*Please note: If you are using Mozilla Firefox or Netscape, these programs may automatically delete the cookie each time you close the browser.)
  
• Click on Tools (located on the toolbar).
• Click on Internet Options.
• Click on the "Privacy" tab.
• Click on the "Advanced" button.
• Make sure the first box is checked - "Override auto cookie handling".
• Under First Party Cookies, make sure that "accept" is clicked.
• Under Third Party Cookies, make sure that "accept" is clicked.
• Lastly, make sure the box at the button is checked - "Always allow session cookies" .
• Click OK to apply the settings and click OK again to exit from the pop-up screen.

Adding Enhanced Login Security

Q: If I delete my cookies, what happens?
A: If you delete the Enhanced Login Security cookie, you will be prompted to answer the challenge questions at your next login.

Q: How do I add extra security to multiple devices?
A: SecureLink users will be able to easily add extra security to additional computers. To add extra security to an additional computer, click "User Options" within SecureLink Online Banking and choose "Enhanced Login Security" to add extra security to a computer and the account that you are currently logged in to. You can add extra security to as many computers as needed.

Q: How will I gain access to Online Banking from an un-enrolled computer?
A: Members will login with their credentials and if the computer is not recognized, you will be prompted to answer two challenge questions. The challenge questions and answers can be updated by choosing "User Options" and then choosing "Challenge Question Setup".

Q: What if I can't remember my challenge question answers?
A: Any branch employee can assist you in gaining access to your account. You can also call our contact center.

Q: If I'm using a public computer, what happens with the cookie? Is it cleared upon log out?
A: You may choose not to place a cookie on that computer, so it would not be placed there. If you do place a cookie there, it would remain there until it expires or is otherwise deleted (many public computers automatically delete all cookies at end of day). Instead of adding extra security that computer (and placing a cookie on that machine), you should enter your Member Number, Password and then answer the two challenge questions to gain access to your account online.

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SecureLink eStatements

Q: When will my eStatement become available to view?
A: Your eStatements will begin to appear during the statement cycle after you've completed your registration.

Q: Is there a special software required to view my eStatements online?
A: Adobe Acrobat Reader Software is required in order to view your statement. The most recent release is recommended. If you do not have this software, you can download it by clicking on this link and proceeding with the download instructions.

Q: Can I print or save my eStatement?
A: Yes! eStatements will print out in the same format that you would have received them in by mail. Simply click on your browser's print icon. You may also save your eStatements to your desktop or a disk by choosing the "Save" icon on your browser.

Q: How will I know my eStatement is available to view?
A: An email will be sent to the email address you provided during your registration notifying you that your eStatement is available for viewing. To change your email address, after logging into eStatements, click on the "Change Registration" button and click the "Change your email address" option.

Q: Will I be able to see past eStatements?
A: Once you begin receiving statements online, they will be available for a twelve month period. However, the statement process is not retroactive. eStatements will only begin to be stored online after you have registered your account for the service.

Q: When I login to my eStatements account all I get is a blank page. What should I do?
A: Recent changes to your operating system software such as upgrades, downloads, and/or system enhancements could be affecting your PC's ability to connect with secure sites including our eStatement site. If you are experiencing any of these issues, please refer to our trouble shooting tips below.

Trouble Shooting Tips

• Some pop up blocker and firewall programs may prevent access to eStatements. If you utilize these types of applications, you may need to disable them to access your statement. For Windows XP Users: To temporarily disable your pop up blocker, go to the "Internet Options" menu in the "Tools" drop down menu in Internet Explorer. Select "Pop Up Blocker". Select "Turn Off Pop Up Blocker"
• Ensure that you are using the most up to date version of your browser. For Internet Explorer (recommended) -http://www.microsoft.com/windows/ie/default.asp
  For Netscape Navigator http://channels.netscape.com/ns/browsers/download.jsp
• Ensure that you are current on all Windows Updates. From the Start menu, click on Windows Update, and download recommended updates and patches, then restart the computer.
• UN-install and reinstall Adobe Acrobat Reader. The latest version of this free program can always be downloaded from the eStatement registration page.

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Account Maintenance

Q: What are the passwords I need to enter to log into Online Banking?
A: To login and register for SecureLink Online Banking, you will need to enter your member number (without any account suffixes) and your Simon Says PIN. If you do not have a Simon Says PIN, please call the Credit Union.

Q: What are the fees associated with SecureLink Online Banking and Bill Pay?
A: SecureLink Online Banking is a FREE service for all members. SecureLink Bill Pay is a FREE service for members who are registered for Bill Pay and pay at least one bill per month. If no bills are paid in any one month, there is a $4.95 fee. Your monthly charge will be deducted from your checking account around the 15th of the month. You must have Online Banking to use Bill Pay.

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Account Security

Q: What can I do to help prevent fraud on my accounts?
A: Here are a few things you can do to help prevent fraud on your accounts.

Power Financial Password Security Tips:

• Do not write down your User Name, Member Number or Password.
• Never use passwords that are easy to guess. Examples of bad passwords are: Birth dates, first names, pet names, addresses, phone numbers, social security numbers, etc.
• Use the Time-out feature in the User Options screen of SecureLink Online Banking if you are using a computer that may be used by several people.
• Never reveal your password to another person.
• Periodically change your password in the User Options screen of SecureLink Online Banking.
• Be sure to read the privacy policies for Internet services and free downloads such as Internet acceleration and email virus scanning programs. Some policies ask that the Internet user configure their web browsers to allow all web traffic to be decrypted, allowing full access to personal information.

Q: What security is used with SecureLink Internet Online Banking and Bill Pay?
A: We use several layers of security to prevent unauthorized users from gaining access to our network.

Firewalls

Encryption

Privacy

Public Key Cryptography

Find out more about Internet security.

Q: What can I do to help prevent viruses on my computer?
A: Here are a few things you can do to help prevent viruses on your computer.

Power Financial Virus Safety and Security Tips:

• Use virus software on your computer and keep the software current, especially on those that conduct financial transactions over the Internet.
• Keep current on all Windows and Microsoft updates for your computer. Ensure that you are current on all Windows Updates. From the Start menu, click on Windows Update, and download recommended updates and patches, then restart the computer. Ensure that you are using the most up to date version of your browser. For Internet Explorer -http://www.microsoft.com/windows/ie/default.asp . For Netscape Navigator http://channels.netscape.com/Ns/browsers/download.jsp
• Add Power Financial Credit Union's online services email address, SecureLink@powerfi.org and our general member questions email address, Listening@powerfi.org, to your email "safe list", address book, or add this address to your list of acceptable emails. To add other email addresses that are used to send email at Power Financial, go to our Contact Us page. Do not open email attachments that are from unknown email addresses. Many viruses and worms are sent via email attachments and do not require you to open them.

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Troubleshooting

Q: I am unable to logon to your website due to a Security Certificate Error?
A: The error is being displayed due to an outdated bookmark. Please be sure that you are accessing our website and using www.powerfi.org. Please delete any other bookmarks. Once that has been done your cookies as well as your temporary files also need to be deleted. This can be done by clicking the "Tools" option above the address bar on the top of the page. You can then scroll down to "Internet options" and select under the temporary files tab to have your cookies as well as your temporary files deleted. Once this has been done you can reopen your browser and type www.Powerfi.org in the address bar. If you are still experiencing issues, please contact the Credit Union.

Q: I tried to sign in, but I received an Account Access Login Error?
A: The password you are entering may be incorrect. Your initial sign-in password is your Simon Says PIN. If you have entered the incorrect password several times, you will be locked out. If you are locked out, please call the Credit Union to reinitialize your account.

Q: The error message I see says "JavaScript Check". What does this mean?
A: You need to change the options for enabling Java and accepting cookies in your browser.

Q: My Internet Account Access session Timed out. What do I do?
A: You have the option to change the time out in Online Banking. The "User Options" button allows you to increase the time your session remains live with no activity. The default is five minutes. To re-enter SecureLink Online Banking, click the New session button.

Q: I am locked out of SecureLink Online Banking and Bill Pay. What do I do?
A: Contact the Credit Union. We will need to reinitialize your account. If your account has been blocked due to an NSF item, you will have access reinitialized once the NSF has been resolved. In either case, please call the Credit Union.

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