I seem to be having trouble getting on to the TFCU website using the same bookmark I've always used. What's the problem?
You might be using a bookmark that's linked to an outdated page. Make sure that you're always using a bookmark that goes to this address:
http://www.tfcumn.org
Below are specific instructions for creating bookmarks using the most popular web browsers. Good luck! If you're still having problems after trying to create your new bookmark, please don't hesitate to email us for help at estaff@tfcumn.org.
| Different Browsers - Select the Browser You Use: |
| Firefox |
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Please note that some versions of these browsers, particularly very old ones, may behave in a slightly different way. If you need further help setting your homepage, or have a browser that isn't mentioned here, check your browser's Help menu.
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Firefox
- From the Tools (PC) or Firefox (Mac) menu, select Options.
- Under the General tab, make sure that the first option 'When Firefox starts' is set to 'Show my home page'.
- Type the URL (eg. http://www.tfcumn.org) into the Home Page box.
- Or if you're visiting your chosen web page when you do this, click the Use Current Page button.
- Click OK
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Internet Explorer
- From the Tools menu, select Internet Options.
- Under the General tab you will see a box where you can enter a URLType the URL (eg. http://www.tfcumn.org) into the box.
- Or if you're visiting your chosen web page when you do this, click the Use Current button.
- Click OK
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Mozilla
- From the Edit menu, select Preferences
- Select the Navigator link at the left
- Make sure that the first option, 'When Navigator starts up, display...' is set to 'Home page'
- Type the URL (eg. http://www.tfcumn.org) into the Home Page Location box
- Or if you're visiting your chosen web page when you do this, click the Use Current Page button
- Click OK
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Netscape
- From the Tools menu, select Options
- Under the General tab, make sure that the first option 'When Netscape starts' is set to 'Show my home page'
- Type the URL (eg. http://www.tfcumn.org) into the Home Page box or if you're visiting your chosen web page when you do this, click the Use Current Page button
- Click OK
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Opera
- From the Tools (PC) or Opera (Mac) menu, select Preferences
- Under the General tab, select 'Start with homepage' from the Start up menu.
- Type the URL that you want into the Homepage box OR if you're visiting your chosen web page when you do this, click Use Current
- Click OK
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Safari
- From the Safari menu, select Preferences
- Click the General icon and type the URL you want into the Home Page box OR if you're on your chosen webpage when you do this, click the Set to Current Page button
- Click OK
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What is Personal Access Home Banking?
Personal Access Home Banking is an electronic service providing members free, 24-hour computer access to their accounts through the Internet. Personal Access provides account information similar to that currently offered through TFCU's Telexpress, which provides members 24-hour access to their accounts through a touch-tone telephone.
With both Personal Access and Telexpress members can obtain account histories, make transfers and loan payments, and balance their checkbooks. Personal Access also allows members to view their statements, download transaction history into Quicken and Money, apply for a loan, view tax information, change address and phone number and more. ^ Top of page
What are the costs to use Personal Access?
Absolutely none - TFCU's Online Banking is completely free!
There's no special monthly or one-time charge for members to gain access to Personal Access Home Banking. There's no cost to look up account balances and histories, no cost to view (and print) past statements or get check copies, and no cost to make transfers, get direct deposit information, or get tax information.
In fact, there are three services which you can request via Personal Access and avoid paying the normal service fees:
- Making transfers from a savings account to a checking account (normally $1.00 per transfer when requested via telephone)
- Requesting a copy of a statement (normally $2.00 per statement when requested in person or via phone)
- Requesting a copy of a history (normally $2.00 per history when requested in person or via phone).
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Why can I only use certain web browsers?
For security purposes, the Personal Access system requires that your web browser support Secure Sockets Layer (SSL). Browsers that are SSL enabled contain the necessary encryption algorithms to "scramble" the information that is transmitted between you and the credit union computer system. This ensures the confidentiality of information you submit or receive electronically.
We recommend that you use the most currently available versions of browsers. You can update your browser here: (either Internet Explorer or Netscape).
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Is Personal Access safe? Are my accounts secure?
Teacher Federal Credit Union has taken many steps to ensure that your financial transactions are secure when accessing them via Personal Access. The two most important security features of Personal Access are your Telexpress PIN and your SSL (secure sockets layer) enabled browser.
Telexpress PIN:
This PIN is known only to you. Without it, you cannot access your TFCU account through Personal Access or Telexpress. The same PIN works for both systems. If you change the PIN in one system (Personal Access) it is automatically changed for the other (Telexpress).
For your protection, TFCU recommends that you memorize your PIN and do not write it down. You should never give your PIN to anyone or let anyone see you enter your PIN when you are logging into Personal Access. In addition, we recommend that you periodically change and do not use easily identified PINs.
To enhance the security of your PIN, when you sign on to Personal Access, you will have only a limited number of times to input your PIN. If you exceed the limit, Personal Access will deny you entry into the system, even if you enter the PIN correctly after the limit was exceeded. If you accidentally become blocked from entering Personal Access or Telexpress please call our Contact Center at 763-544-1517 or 1-800-862-1998, 7 am to 7 pm, Monday through Friday.
If you think your PIN may have been compromised or you notice any unusual activity on your TFCU account, call our Contact Center at 763-544-1517 or 1-800-862-1998 (7 am to 7 pm, Monday - Friday).
You can also change your PIN online immediately using Personal Access or Telexpress. Keep all documents that include your account information in a secure place so that confidential information cannot be obtained by others. These documents include ATM receipts, account statements, your ATM Personal Identification Number (PIN), and your Telexpress/Personal Access PIN.
SSL Enabled Browsers:
Your SSL enabled browser contains the necessary encryption algorithms to "scramble" the information that is transmitted between you and the TFCU computer system. This ensures the confidentiality of information you submit electronically. For this reason, we recommend that you use the most recent versions of Netscape Navigator or Internet Explorer.
Other Security Features:
Personal Access also has some other features that enhance the security of the system. Any time that you perform a transaction involving a fee or transfer/withdrawal of funds, Personal Access will require you to enter your PIN a second time. This ensures that if you leave your computer unattended without signing off, no one else can perform these functions without knowing your PIN. However, we recommend that you always click the "Goodbye" button and sign off before leaving your computer. There is also a time-out feature on Personal Access. If there is no interaction between your computer and the Personal Access computer after 10 minutes, you will automatically be logged out of your account.
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Can anyone else see my account information?
Is my information publicly available?
Personal Access requires a correct account number and PIN to access confidential account information stored on the TFCU computer system. Unless you share your PIN with someone else, no one other than you will be able to access your account information through Personal Access. For security purposes, we recommend that you memorize your PIN and do not write it down. In addition, to enhance security over your account information we recommend that you periodically change your PIN.
If you think your PIN may have been compromised or you notice any unusual activity on your TFCU account, call our Contact Center at 763-544-1517 or 1-800-862-1998 (7 am to 7 pm, Monday - Friday). You can also change your PIN online immediately using Personal Access or Telexpress. Keep all documents that include your account information in a secure place so that confidential information cannot be obtained by others. These documents include ATM receipts, account statements, your ATM Personal Identification Number (PIN), and your Telexpress/Personal Access PIN.
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How current is the information I obtain through Personal Access?
The information available to you through Personal Access is the exact information stored on our computer system at the time you sign-on to Personal Access. The information you receive through Personal Access is the same account information you would receive if you inquired about your accounts in a branch or through Telexpress.
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What is the availability of Personal Access?
Personal Access will be available almost 24 hours a day, every day. It will be unavailable during certain nightly processing procedures. This usually occurs between 9:00 and 9:15 PM (CST) Monday - Friday. You might also find the system unavailable from time to time when we perform month-end statement processing, system backups, and software upgrades.
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I've logged into Personal Access. What do I do now?
Click on the various buttons to get account information. Most screens in Personal Access have a help button to assist you with questions about using the system. Pressing this button will open a yellow window explaining the screen that you are in. Help windows are designed to guide you through Personal Access so you can find the information you are looking for. It will also guide you through completing transactions such as transfers or requesting a withdrawal from your account to be mailed to you using a credit union share draft.
If you have a question about Personal Access that doesn't seem to be answered in the help screens, please call the Contact Center at 763-544-1517 or 1-800-862-1998, or e-mail us at estaff@tfcumn.org.
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When I change my PIN, does it have to be a certain amount of numerals?
Your PIN can be 4 to 10 digits in length, all numbers. Personal Access can't accept letters or symbols. We recommend using a PIN with at least 7 digits, making it much more difficult for someone to guess. As a reminder, because your PIN works for both Personal Access and Telexpress, when you change your PIN on one of the systems, you are changing it on the other system as well.
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What does the "HB" listed next to some of my transactions mean?
When a transaction such as a transfer is done through Personal Access, your member statement will place a "HB" notation at the end of the transaction to identify that the transaction was completed using Personal Access ("HB" stands for Home Banking). This is similar to the "VR" notation on your statement next to any transactions you completed using Telexpress ("VR" stands for Voice Response). It's just meant to be a reminder of how you completed a transaction, which may be helpful when reconciling (balancing) your account.
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Why are there all of these asterisks on my statement copies?
As an additional security measure, Personal Access eliminates certain confidential information from your statement (such as account number, social security number and address) before transmitting statement copies from the TFCU computer system to your personal computer.
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What is an Internet cookie?
Why does Personal Access use cookies?
Cookies are a general mechanism which the Internet server can use to both store and retrieve information on the member side of the connection. Personal Access uses cookies for one purpose. At the time you log onto Personal Access a cookie is sent to read the clock on your system. The cookie is then updated every time you move throughout the system and periodically as you use the system. If ten minutes have passed on your system with no activity, you are automatically logged off of Personal Access as a security precaution. Without the cookie, there would be no viable way to track the time passed without activity. This cookie is what makes our "timing out" security feature operate. Because it is a security issue, if the cookie is denied by your system at the time the Personal Access system attempts to send it or update it, Personal Access will not allow further access to the system.
If, when attempting to use Personal Access you get an error message that states "There has been a problem during transit. Your browser may not be supported. Please sign on again.", then your browser has cookies disabled. Using the options of your browser, allow it to accept cookies and you should have no further trouble.
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How will I know if I will be charged a fee for certain transactions using Personal Access?
Anytime you perform a transaction which will involve a fee a confirmation screen will come up and you will be informed of the fee and given a choice to cancel the transaction or proceed by entering your PIN. This is another security feature - anytime a transaction is performed that involves a fee or transferring money, Personal Access will require you to enter your PIN a second time. If you were to walk away from your computer while online, and someone else stepped up to it, they couldn't perform any transactions without knowing your PIN. However, we recommend that you always click the "Goodbye" button and sign off before leaving your computer.
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Can I download account transactions into Quicken or Money?
Yes, Personal Access allows account downloads into personal financial management software programs such as Quicken, Money, or Excel.
To download your account information into Quicken or Money:
- sign on to Personal Access;
- click on the "Accounts" button;
- choose the account type for which you want to download transactions.
- Click the "Download" button at the top of the next screen and follow the on-screen instructions.
- Choose the software version you are using (ex. - Quicken 2003, Microsoft Money 2002, etc.)
- Follow the on-screen instructions.
- Click here to find out more about Personal Access' download capabilities into Quicken and Microsoft Money.
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Can I pay bills online?
Yes. Through Personal Access Online Banking, TFCU offers an online bill payment service called TFCU ePay. This service, powered by CheckFree, is accessed directly through Personal Access Home Banking. Simply log into Personal Access, click the ePay button and follow the online instructions.
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If you're curious to find out more,
click here to see the demo! |
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I need some help. How can I contact you?
Online
If you run into some troubles using Personal Access, check out our website. We have a FAQ and a Troubleshooter section that might help you solve the issue. This is a good place to start, especially during non-business hours.
Remember to visit the "Personal Access What's New" page often for updates, new features, alerts, and scheduled downtimes.Email
Or you can send an email to estaff@tfcumn.org and we will respond within 24 business hours.
DO NOT send any confidential information (account number, Soc. Sec. Number, credit card number) through your email, EVER. This means of communication is not encrypted, and might be hijacked while in transit.
Phone
Our Contact Center representatives are here to help! You can reach us here:
763-544-1517
1-800-862-1998 |
| Monday |
7:30am-7pm |
| Tuesday to Friday |
8am - 6pm |
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