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| What is HomeTech? |
| What computer equipment will I need to have HomeTech access? |
| Is there a monthly fee for using HomeTech? |
| How do I sign up for HomeTech? |
| Do I have to download programs to make my HomeTech work? |
| How do I access HomeTech? |
| How can I help ensure the security of my personal information? |
| Is the information on HomeTech timely and accurate? |
| How far back can I review my account history? |
| Can I access my IRA accounts with HomeTech? |
| How do I transfer between my accounts? |
| How do I add another account to my HomeTech Account? |
| Are there limits to the number of HomeTech transactions I can conduct in a month? |
| Will HomeTech automatically close my session if I forget to exit? |
| In viewing my loan it shows me to be delinquent, but I have not missed a payment? |
| After I /exit/ HomeTech I can hit the /Back/ button to view previous pages that were viewed earlier in HomeTech. Why? |
| How do I clear the browser’s disk and memory cache for HomeTech access only? |
| May I paste and copy my access information (ID & PIN) into my HomeTech Login? |
| I have a hard time remembering my ID, how do I change it to something I can remember? |
| I would like to change my PIN, how do I do that? |
| When I print my account transaction history, I find it is too wide for the printed page. What can I do? |
| When I attempt to log-in using my HomeTech ID and PIN, it says that my account is currently locked. Why? |
| When I login to HomeTech, it says hello, but not to me. Why? |
| I can not get past the page that says, /This site requires 128-bit encryption." How do I upgrade my browser? |
| When I attempt to log-in I receive a message box that says, / An error has occurred that prevents us from completing your request." What could the error be? |
| When I attempt to log-in and access HomeTech, response time is slow between 5:00pm and 8:00pm CST. |
| When I attempt to log-in the HomeTech ID and PIN are reset back to blank field and no error messages are on the screen. What could be the problem? |
| Why does HomeTech use "cookies"? |
| What is HomeTech? |
| HomeTech is UBIFCU’s Internet home banking product. It is a service that provides convenient access to account information and account transactions using the Internet. UBIFCU members will have the convenience of conducting their UBIFCU account transactions 24 hours a day, 7 days a week, from virtually anywhere. Here is a list of things you can do using HomeTech: |
- Review account balances
- Transfer Funds
- Check your IRA and Certificate accounts
- Obtain interest/dividend information for personal taxes
- Download account history
- Retrieve account history
- Make consumer or home equity/improvement loan payments
- Change your PIN
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What computer equipment and configuration will I need to have HomeTech access? You will need the following: |
A computer capable of Internet connectivity
Internet Access
Internet Service Provider (ISP)
Internet Web browser (We recommend the latest version of Netscape Navigator or Internet Explorer). Your browser must support the Secure Sockets Layer (SSL) of 128 bit encryption, capable of and configured to accept cookies. For more information on cookies, refer to the last question in the ACCESS QUESTIONS section below. |
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Is there a monthly fee for using HomeTech? |
| UBIFCU offers HomeTech to members at no charge. For those that would like to add additional accounts (family member accounts or business accounts) to a HomeTech access ID a one-time fee may be charged. In addition, your Internet Service Provider may charge a fee for your Internet access. |
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How do I sign up for HomeTech? |
| Fill out our Online HomeTech access application or contact a Customer Service Representative. You will receive an e-mail confirming your request and instructions on how to enter HomeTech. |
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Do I have to download and/or install a program to make my HomeTech work? |
| No. HomeTech has been designed to work with just an Internet browser. You may be required to download a more current version of your browser for security reasons, but detailed instruction are provided online. |
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How do I access HomeTech? |
| Just click the Online Banking graphic from our home page, or the link provided on the Services --> Online Banking page. This will start a new browser window running your HomeTech session. |
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Should I take special steps to ensure security of my personal information? |
You should always take precautions to safeguard your personal banking information, both online and off. There are a few things you can do to make your online banking experience safer.
Internet browsers cache (store) information from recently viewed web pages, we suggest that you make sure to close your browser when you are finished with your financial transactions.
Some browsers cache pages that are viewed during secured connections to the PC’s hard drive. This can make it possible to view account information after you have closed the session. Your PIN can never be obtained from this, but anything you viewed, such as account balances, may be viewed later. We recommend that you clear your disk and memory cache often.
You should use caution when accessing secured sites like Internet banking over the Internet from a public computer. It would probably be best to avoid using public computers in places such as libraries and universities to access personal, financial information.
We discourage the usage of the "saved password" option on various browsers if there is any chance that someone else could gain unauthorized access to your machine. Remember to logoff after using HomeTech, clear disk/memory cache, and close/exit your browser when leaving your computer. |
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| Is the information on HomeTech accurate and up-to-date? |
| Yes. Information and transactions conducted during normal business hours (8:00 am to 5:00 pm) are handled on a real time, online basis. After normal business hours, the date is forwarded to the next business day and transactions done after that process will carry to the next business date. |
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How far can I review my account history? |
| From October 1, 2006. |
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Can I access my IRA accounts with HomeTech? |
| You can view your account information, but can not process transactions using HomeTech. To open an IRA or service an existing IRA account, please contact the UBIFCU Customer Service Department. |
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How do I transfer funds between my account? |
| To transfer funds follow the instructions below: |
| From the UBIFCU home page access HomeTech. Enter your HomeTech ID and PIN and then select "Begin Banking". Next to the account you want to Transfer FROM click on the "Account Activity Options" and select "Transfer Funds from this Account" option from the drop down menu and select "Add New Transfer" button. Select the account you would like to transfer "TO." Key the amount to transfer, in dollars and cents (omitting leading zeros). Review your entry prior to posting for accuracy. This is an online transaction and no edit function exists. Select the frequency and then select "Submit". After the transfer processes you will receive a confirmation number that you should keep until you balance your statement. |
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How do I add another account to my HomeTech Access? |
| You can click on the e-mail button from HomeTech and send us an e-mail stating your request, or from our home page click "Services," select "HomeTech" and click "???". For faster changes, fill out the form completely. Missing information will delay your request. You will receive an e-mail indicating that we have made the changes to your online account as soon as it has been updated. |
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Are there limits to the number of HomeTech transactions I can conduct in a month? |
| Good Question. |
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Does HomeTech time-out if I forget to exit? |
| Yes. You only have 10 minutes of inactivity before HomeTech will automatically close out your HomeTech access. If you are not finished with your transactions, you will need to log back in. |
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In viewing my loan it shows it to be delinquent, but I have not missed a payment. Why? |
| If your loan is paid by payroll deduction, we set the due dates at the earliest possible day because payroll can fall on several different days during a month. If the loan continues to show a delinquent status after your payroll date, please contact the loan department. |
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After I exit HomeTech I can hit the Back button on my browser and it still shows pages that were viewed earlier in HomeTech. Why? |
| Some browsers will save pages that you have viewed with HomeTech in your browser’s cache. If you leave the browser running on a computer in your office, home, or public place, then other people can use the Back button to view your balances and other personal information. If you are concerned with privacy, after logging off you should clear the browser’s disk and memory cache and exit the browser (see next question). |
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How do I clear the browser’s disk and memory cache for HomeTech access only? |
| For Netscape Communicator 4.0+: |
| Select "Preferences" from the "Edit" menu. In the Preferences dialog box, select "Advanced" and then "Cache". Click the "Clear Memory Cache" button and the "Clear Disk Cache" button. For Internet Explorer 5.0+: There are currently no security caching issues reported for Internet Explorer 5.0 and higher. |
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May I paste and copy my access information (ID & PIN) into my HomeTech Log-in? |
| No. The codes must be keyed initially, but the HomeTech ID may be changed (see next question). |
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I have a hard time remembering my ID, how do I change it to something I can remember? |
| To change your ID from the original ID that was assigned when your online account was first setup please follow the instructions below: (Note: The PIN selected is a 4 digit numeric value). |
Login to HomeTech with your Current ID and PIN. Choose "Manangement" from the HomeTech drop down box and click GO. Choose "Change Personal ID (Alias)".
Enter your new ID in the space provided then click "Submit New ID". You will then be told that your new alias has been activated. Please keep your original HomeTech ID in a safe place for future reference. |
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I would like to change my PIN, how do I do that? |
| To change your PIN please follow the instructions below: |
Login to HomeTech with your current ID and PIN. Choose "Management" from the home banking drop down box and click "Go." Choose "Change PIN".
Enter your current PIN in the first place provided, your new PIN in the second space provided and verify your change by entering your new PIN in the third space provided, then click "Submit New PIN". You will then be told that your new PIN has been activated. |
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When I print my account transaction history, I find it is too wide for the printed page. What can I do? |
| The width of the statement form slightly exceeds the default margin settings in Netscape Navigator and Internet Explorer (which generally default to 0.75 inches each for the left and right margin). If you alter the left and right margin settings (FILE --> PAGE SETUP) to 0.25 inches this should allow the account history to fit to a single page. |
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| When I attempt to log-in using my HomeTech ID and PIN, it states that my account is currently locked. Why? |
| This occurs when an ID or PIN is entered incorrectly three consecutive times, which causes your account to be locked for a 24-hour period. If you have forgotten your HomeTech ID or PIN, e-mail us at davew@ubifcu.com or jend@ubifcu.com so that we may unlock your account and reset your PIN. This would enable you to log on and change your PIN to one that is easier to remember. |
| Note: A UBIFCU representative will never ask for your PIN. |
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When I log-in to HomeTech, it says "Hello," but not to me. Why? |
| HomeTech always greets the individual or business setup as primary account holder assigned to the access code. |
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I can not get past the page that says, "This site requires 128-bit encryption". How do I upgrade my browser? |
| Our start page for HomeTech has a link to the Internet Explorer or Netscape Communicators download pages, just click on the word "here" for either of these browser upgrades. If you are using a different browser, visit their home page to locate the download for 128-bit encryption package. |
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When I attempt to log-in I receive a message box that says, "An error has occurred that prevents us from completing your request". What could the error be? |
| It could be that we were doing system maintenance during the time you logged-in. Our normal schedule is: |
| Monday - Friday 6:00pm to 7:00pm CST Saturday 1:00pm to 2:00pm CST |
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When I attempt to log-in and access HomeTech between 5:00pm to 8:00pm CST response time is slow. Why? |
| Due to routine end of business day processing, you may experience a slower response time. |
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When I attempt to log-in the HomeTech ID and PIN are reset back to blank fields and I do not receive any error messages on the screen. What could be the problem? |
| It is possible that your browser is set to refuse cookies, follow these steps to enable cookies: |
| For Internet Explorer 5.0+: |
Select --> Tools Select --> Internet Options
Click Security tab
Scroll down to the Cookies heading
Under Cookies, either Enable or Prompt should be selected for "Allow cookies that are stored on your computer" and/or "Allow per-session cookies (not stored)"
Click "OK"
Click "Refresh"
For Netscape Communicator 4.0+: Click Edit --> Preferences
Click "Advanced" option
Under the "Cookies" option, make sure the bullet for "Disable Cookies" is not checked
Select either of the following options: "Accept all cookies" or "Accept only cookies that get sent back to the originating server"
Click "OK"
Click "Reload" |
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Why does HomeTech use "cookies?" |
| HomeTech, developed by Jack Henry and Associates as NetTeller, uses "cookies" to keep track of a user's session. When a user logs into HomeTech, the website sends three "cookies" to his computer. The first two act as a laundry claim-check; they are merely sequenetially assigned numbers. The third is a large random string that allows us to verify that someone isn't trying to impersonate a legitimate user by guessing the value of the first two "cookies." The "cookies" are only valid for one session; each time users logs in, they receive a new set of cookies. We use the /cookies/ to ensure that the user has entered a valid HomeTech ID and PIN, and to ensure that the user's session hasn't timed-out. |
| The use of "cookies" also allows us to speed up HomeTech by temporarily storing some user information in our web server's memory. Accessing the user's information in memory is much faster than having to retrieve it from the host or from a database every time it is needed. When the user logs off or the session times out, the information held in memory is discarded. |
| It is possible to create a website like HomeTech without using cookies. However, the security aspects of such a site would be much more obvious to the user and, therefore, less secure. We feel that requiring cookies in HomeTech is a small price to pay for the added security and improved user experience! |
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