Chen-Del-O FCU Online Banking
Online Banking Help
Security Policy
Frequently Asked Questions
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Online Banking Help

Welcome to Online Banking

Online Banking is a reliable service that allows you to enjoy day-to-day banking from the comfort of your home. Whether you prefer to use your PC or browse with a mobile device, online banking provides a convenient way for you to check your credit union account balances, transactions, statements, and checks.

Help Topics

Signing Up

To sign up for online banking, a few pieces of information are required to confirm your identity. You will be asked for your credit union account number, last name, and the last 4 digits of your social security number. Your email address will be used to send you alerts and information for your online banking account. Security questions will be used to verify your credentials when resetting your password or logging in from a new PC or device.

Account Summary

The account summary page is a convenient way to view a complete list of all accounts you own as well as any accounts that you are a joint owner on, plus accounts that have been attached to yours. All accounts will be grouped by account type, and any joint or attached accounts will be grouped under the member account who owns them.
Changing your account nicknames
Every account that you have access to has a nickname used to identify it on the online banking website. When you first sign up, your nicknames are all set to the default (e.g. SHARE_1), but can be changed to anything. For example, you may rename your primary draft account as "Checking Account" and will then be able to easily identify it on the website.
To change an account nickname, click on the pencil icon (Rename) to the right of the account number in the account list. This will open a dialog box that will accept any text 40 characters or less.
Joint member accounts or member accounts that are attached to yours can also be nicknamed in a similar fashion. To do this, simply click on the blue header bar that represents the joint or attached member account, and the nickname dialog will appear.
Any nicknames that you set will only be used by this website and will not show up on any of your monthly statements.

Account Activity

The account activity page allows you to view your transaction history on each account you have access to. Filter the transactions by date range or by text search using the options presented at the top of the page.
In addition to your transactions, the activity page will also show you any temporary authorizations or check holds that have been placed on your account. To view them, simply click the Show Temporary Authorizations and Check Holds button above the transaction list.

Transfers

The transfers page is where you can transfer money between all accounts you have access to. It also allows you to make check withdrawals, either to be mailed to your home address or reserved to be picked up at the credit union. Depending on your access privileges, you may be able to transfer into accounts you cannot view on the accounts page. Please contact your credit union if you need to make any changes to the access rights to any of your Joint or Attached accounts. Also note that for security purposes, your credit union may place a daily withdrawal limit on your accounts.

E-Statements

Electronic Statements (or E-Statements) are pdf replicas of the statements you receive each month by mail. The statements page will provide a selection of statements to choose from, and you can download them to your device to view. If you are not currently signed up for E-Statements, the Statements page will provide a brief disclosure which you must agree to before you are signed up.

Downloading Transactions

The Downloads page is where you are able to download any or all of your account transactions to your device, after which you can import them into your financial software. Use the checkboxes to select the accounts you wish to download transactions for, and then select the file format you wish you download them in at the bottom. Click the download button to complete the process.

CHEN-DEL-O FEDERAL CREDIT UNION

HOME BANKING AGREEMENT & DISCLOSURE

Chen-Del-O FCU requires that all members who visit our site review, abide by, and agree to ALL of the terms, policies and conditions that are outlined in our Account User Agreement, Privacy Policy and this Home Banking Agreement & Disclosure. By accessing this site and or logging into our Home Banking Service you are acknowledging your acceptance of this agreement and YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS outlined herein. “We” and “Our” refers to Chen-Del-O FCU and all employees employed therein. “Member”, “User” and “You” refer to anyone who accesses, views and or downloads information to and/or from our website.

All accounts are regulated by the “Truth in Savings” disclosure that you received when you opened your account.

Passwords are provided for your protection. Your password should be kept confidential. Users are encouraged to change their passwords on a regular basis to ensure the security of their accounts. If you believe your password has been lost, stolen or otherwise compromised in any way, you are required to notify us immediately to minimize liability for unauthorized use of your account.

Home Banking is provided as a service to our members. The accuracy and the timeliness of our information is our number one priority. All such information, software, services and related graphics are provided “as is” without warranty of any kind. There are no other warranties which extend beyond this agreement. Chen-Del-O FCU and/or its respective suppliers hereby disclaim all warranties and conditions with regard to this information, software products, services and related graphics, including all implied warranties and conditions of merchantability, fitness for a particular purpose, workmanlike effort, title and noninfringement. You specifically agree that Chen-Del-O FCU shall not be responsible for unauthorized access to or alteration of your transactions or data, any material or data sent or received or not sent or received or any transactions entered into through a credit union site/service. You specifically agree that Chen-Del-O FCU is not responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another’s rights, including intellectual property rights. You specifically agree that Chen-Del-O FCU is not responsible for any content sent using and/or included in a Chen-Del-O FCU site/service by any third party. In no event shall Chen-Del-O FCU and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including without limitation, damages for loss of use, data or profile, arising out of or in any way connected with the use or performance of the Chen-Del-O FCU site/services, with the delay or inability to use the Chen-Del-O FCU site or any related services, the failure to provide services, or for any information, software, products, services and related graphics obtained through the Chen-Del-O FCU site, even if Chen-Del-O FCU or any of its suppliers has been advised of the possibility of damages.If you are dissatisfied with any portion of the Chen-Del-O FCU site/services or with any of these terms of use, your sole and exclusive remedy is to discontinue using the Chen-Del-O FCU site/services.

Home Banking services are provided with no monthly or any other fees. We are not responsible for any usage fees, service charges, or any other fees that are charged by your Internet Service Provider. Users are granted strict and explicit access to their own personal information. Each user will be allowed to: View account balances and transaction history; make transfers to accounts within the credit union; change their password; search for cleared checks and access additional services that users are granted explicit privileges to.

All transactions that take place on the site will appear on your monthly statement.

In the event of a dispute regarding transactions that have taken place through Home Banking, the Credit Union should be contacted immediately at 607-829-3560. Written communication can also be made to Chen-Del-O FCU, PO Box 102, Franklin, NY 13775. All disputes must be brought to our attention within 60 days of the statement mailing. All claims will be investigated by the credit union and the user will be notified within 60 business days of our receiving the complaint.

Chen-Del-O FCU’s Home Banking site is “live”. When you use Home Banking your transactions are posted immediately to your account unless the case of unforeseen circumstances.

Responsibility for intentional or unintentional inaccuracy resides with the member. If for any reason you believe your account is inaccurate you are responsible to notify the Credit Union as soon as possible so adjustments can be made.

Personal and financial privacy is one of our highest priorities. We make every effort to ensure your data’s security. We strive to ensure we meet all Federal, State and local laws regarding data transmission and DigiCert is our servicer’s seal. All transactions are logged and recorded to prevent abuse of the Home Banking service. In the event of misuse or abuse of our services, your information may be provided to third parties as permitted by law.

The laws of New York State apply to all Term, Conditions and Policies found herein.

Your Credit Union may be contacted at: 607-829-3560, PO Box 102, Franklin, NY 13775.


By clicking "I Agree", I agree that I have read and accepted the Terms and Conditions presented above.


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