FAQ: e-Banking

Can I view pending charges in e-Banking? Yes! When you look at the account summary screen in e-Banking, the available balance is a clickable link that will show you all items on hold or pending items, including check holds or debit holds.
Why can’t I see my loans on Mint.com? Every since Microsoft annouced it was sunsetting it's Money product, we have recommended members to use Intuit's Quicken product or on-line personal finance managers (PFM), like Yodlee or Mint. A number of members have chosen to use PFM's like Mint.com. Mint.com is known to work with all of your share accounts (as long as they have not been nicknamed). However, members have had limited sucess in getting their NSFCU CD and loan account information into Mint.com. This is because we are not yet listed as a "supported" financial institution with Mint. We have tried contacting Mint numerous times to work with them to support all of our account types. However, they seem to be going after the "bigger fish". Basically, they are working with larger banks and financial institutions first and have been overwhelmed with requests. So at this point in time, we can only recommmend Mint.com to access your share account information.
Why doesn’t Mint.com work right? Every since Microsoft annouced it was sunsetting it's Money product, we have recommended members to use Intuit's Quicken product or on-line personal finance managers (PFM), like Yodlee or Mint. A number of members have chosen to use PFM's like Mint.com. Mint.com is known to work with all of your share accounts (as long as they have not been nicknamed). However, members have had limited sucess in getting their NSFCU CD and loan account information into Mint.com. This is because we are not yet listed as a "supported" financial institution with Mint. We have tried contacting Mint numerous times to work with them to support all of our account types. However, they seem to be going after the "bigger fish". Basically, they are working with larger banks and financial institutions first and have been overwhelmed with requests. So at this point in time, we can only recommmend Mint.com to access your share account information.
Why can I see my joint accounts on e-Banking? I don’t want to see them. By default, any account that you have joint access to, will automatically appear in your listing of accounts. If however,you would not like your joint accounts to be listed and prefer to log into each of them individually, you must call the credit union to remove the linked accounts. You can call the credit at 860-513-5000. Before you call, please make sure that you know the account number and type that you wish to remove. Alternatively, you can send us an e-mail by clicking here.
Why can’t I see my joint accounts on e-Banking? By default, any account that you have joint access to, will automatically appear in your listing of accounts. If however, an account does not appear properly, you must call the credit union to ensure that the accounts are properly linked together. You can call the credit at 860-513-5000. Before you call, please make sure that you know the account number and type that is not showing up properly. Alternatively, you can send us an e-mail by clicking here
I have a joint account, how can I make a transfer/ payment on e-Banking? The following information is from the help files located in e-Banking. These help files can be opened by logging into e-Banking, selecting the transfer option and clicking on the help button.   Setting Up an Immediate Fund Transfer Between Your Own Accounts  
  1. To transfer funds between your own accounts, select the My Account option.
  2. If you want the funds transferred immediately to another of your accounts, select the Immediate Transfer option.
  3. In the Transfer From field, use the drop-down menu and select the account from which to transfer the funds.
  4. In the Transfer To field, use the drop-down menu to select the account to which you are transferring funds. If your credit union permits it, you can select from your joint accounts as well.
  5. In the Transfer Amount field, use the displayed fields to indicate the amount to transfer:
  6. Specific Amount Enter the flat dollar amount of the transfer.
    Percentage of Balance Enter the percentage amount of the available balance of the “Transfer From” account to be transferred. For example, if you have 2000.00 available in your account and want to transfer 200.00 from the account, you would enter 10 (for 10%) in this field.
    Other Using the drop-down menu in this field, indicate the amount type to use to determine the transfer amount.
  7. In the Alternate Description field, enter a brief description of the fund transfer (ex: Car Payment, Money Owed Uncle Joe, etc.). This description will appear on your statements and account history. You can leave this field blank.
  8. Select Next>>
  9. A confirmation screen displays, listing the details of the fund transfer. Enter your password to accept the details, or use the <<Prev option to return to the previous screen to make any needed changes.
  10. Select Finish.
  11. The program displays a voucher, displaying the details of the fund transfer. You can print this voucher using the "Print" option of your internet browser.

Setting Up a Scheduled Fund Transfer Between Your Own Accounts
  1. To transfer funds between your own accounts, select the My Account option.
  2. To schedule the fund transfer to happen on a specific date, select the Scheduled Transfer option.
  3. In the Transfer From field, use the drop-down menu and select the account from which to transfer the funds.
  4. In the Transfer To field, use the drop-down menu to select the account to which you are transferring funds. If your credit union permits it, you can select from your joint accounts as well.
  5. In the Transfer Amount field, use the displayed fields to indicate the amount to transfer:  
    Specific Amount Enter the flat dollar amount of the transfer.
    Percentage of Balance Enter the percentage amount of the available balance of the “Transfer From” account to be transferred. For example, if you have 2000.00 available in your account and want to transfer 200.00 from the account, you would enter 10 (for 10%) in this field.
    Other Using the drop-down menu in this field, indicate the amount type to use to determine the transfer amount.
  6. In the Frequency field, select the frequency of the scheduled fund transfer:  
    Frequency Description
    One Time Transfer the entered amount on the designated date to the designated account.
    Weekly Transfer the amount each week between the selected accounts.
    Bi-Weekly Transfer the amount between the accounts every two weeks.
    Monthly Transfer the amount between the accounts each month.
    Quarterly Transfer the amount between the accounts each quarter.
    Semi-Annually Transfer the amount between the accounts two times per year.
    Annually Transfer the amount between the accounts each year.
    Every Four Weeks Transfer the amount between the accounts every four weeks.
    Bi-Monthly Transfer the amount between the accounts every two months.
    Semi-Monthly Transfer the amount between the accounts two times per month.
  7. In the Start Date field, enter the date the first fund transfer should occur. How often the transfer occurs depends on the frequency you selected. For example, if you enter a start date of 10/20/04, and the fund transfer frequency is weekly, the first transfer will be processed on 10/20/04, and the transfer will be processed one week from 10/20/04 - and so on.
  8. In the End Date field, if you have a specific date you want to stop this fund transfer, enter the date in this field. If you do not have a date to stop the transfer, leave this field blank.
  9. In the Alternate Description field, enter a brief description of the fund transfer (ex: Car Payment, Money Owed Uncle Joe, etc.). This description will appear on your statements and account history. You can leave this field blank.
  10. Select Next>>
  11. A confirmation screen displays, listing the details of the fund transfer. Enter your password to accept the details, or use the <<Prev option to return to the previous screen to make any needed changes.
  12. Select Finish.
  13. The program displays a voucher, displaying the details of the fund transfer. You can print this voucher using the "Print" option of your internet browser.

Setting Up an Immediate Fund Transfer To Another Member's Account(s)
  1. To transfer funds to another member's account, select Other Member's Account.
  2. If you want the funds transferred immediately to the member's account, select the Immediate Transfer option.
  3. In the Transfer From field, use the drop-down menu and select the account from which to transfer the funds.
  4. In the Transfer To field, use the following fields:
    • Member Number - enter the number of the member to which you are transferring funds
    • Account Type - enter the account type of the account to which you are transferring funds (e.g., S1, L2, etc.)
    • First 3 Letters of Last Name - enter the first 3 letters of the last name of the member to whose account you are transferring the funds
  5. In the Transfer Amount field, use the displayed fields to indicate the amount to transfer:
  6. Specific Amount Enter the flat dollar amount of the transfer.
    Percentage of Balance Enter the percentage amount of the available balance of the “Transfer From” account to be transferred. For example, if you have 2000.00 available in your account and want to transfer 200.00 from the account, you would enter 10 (for 10%) in this field.
    Other Using the drop-down menu in this field, indicate the amount type to use to determine the transfer amount.
  7. In the Alternate Description field, enter a brief description of the fund transfer (ex: Car Payment, Money Owed Uncle Joe, etc.). This description will appear on your statements and account history. You can leave this field blank.
  8. Select Next>>
  9. A confirmation screen displays, listing the details of the fund transfer. Enter your password to accept the details, or use the <<Prev option to return to the previous screen to make any needed changes.
  10. Select Finish.
  11. The program displays a voucher, displaying the details of the fund transfer. You can print this voucher using the "Print" option of your internet browser.

Setting Up a Scheduled Fund Transfer to Another Member's Account(s)
  1. To transfer funds to another member's accounts, select the Other Member's Account option.
  2. To schedule the fund transfer to happen on a specific date, select the Scheduled Transfer option.
  3. In the Transfer From field, use the drop-down menu and select the account from which to transfer the funds.
  4. In the Transfer To field, use the following fields:
    • Member Number - enter the number of the member to which you are transferring funds
    • Account Type - enter the account type of the account to which you are transferring funds (e.g., S1, L2, etc.)
    • First 3 Letters of Last Name - enter the first 3 letters of the last name of the member to whose account you are transferring the funds
  5. In the Transfer Amount field, use the displayed fields to indicate the amount to transfer:  
    Specific Amount Enter the flat dollar amount of the transfer.
    Percentage of Balance Enter the percentage amount of the available balance of the “Transfer From” account to be transferred. For example, if you have 2000.00 available in your account and want to transfer 200.00 from the account, you would enter 10 (for 10%) in this field.
    Other Using the drop-down menu in this field, indicate the amount type to use to determine the transfer amount.
  6. In the Frequency field, select the frequency of the scheduled fund transfer:  
    Frequency Description
    One Time Transfer the entered amount on the designated date to the designated account.
    Weekly Transfer the amount each week between the selected accounts.
    Bi-Weekly Transfer the amount between the accounts every two weeks.
    Monthly Transfer the amount between the accounts each month.
    Quarterly Transfer the amount between the accounts each quarter.
    Semi-Annually Transfer the amount between the accounts two times per year.
    Annually Transfer the amount between the accounts each year.
    Every Four Weeks Transfer the amount between the accounts every four weeks.
    Bi-Monthly Transfer the amount between the accounts every two months.
    Semi-Monthly Transfer the amount between the accounts two times per month.
  7. In the Start Date field, enter the date the first fund transfer should occur. How often the transfer occurs depends on the frequency you selected. For example, if you enter a start date of 10/20/04, and the fund transfer frequency is weekly, the first transfer will be processed on 10/20/04, and the transfer will be processed one week from 10/20/04 - and so on.
  8. In the End Date field, if you have a specific date you want to stop this fund transfer, enter the date in this field. If you do not have a date to stop the transfer, leave this field blank.
  9. In the Alternate Description field, enter a brief description of the fund transfer (ex: Car Payment, Money Owed Uncle Joe, etc.). This description will appear on your statements and account history. You can leave this field blank.
  10. Select Next>>
  11. A confirmation screen displays, listing the details of the fund transfer. Enter your password to accept the details, or use the <<Prev option to return to the previous screen to make any needed changes.
  12. Select Finish.
  13. The program displays a voucher, displaying the details of the fund transfer. You can print this voucher using the "Print" option of your internet browser.
 
Why can’t I see the login box for e-Banking on the Web site? Since the website was redesigned in the summer of '09, we have added a login box to e-Banking from the top lefthand side of the web page. We have had some members indicate that they have not been able to see this login box. In each case, the issue was that the member was using an outdated version of Internet Explorer, typically Version 6. IE6 was release in 2001. Although Microsoft technically still supports IE6 for Windows XP computers, the IE6 browser has a number of security issues and lacks support for modern web standards. One of these web standards that it does not support is embedded iframes, like our login box. It is highly recommended to update your web browser to the lastest version of Internet Explorer (version 7 or 8 will work), or use another web browser such as ,Mozilla Firefox, Google Chrome, Apple Safari, or Opera. If you cannot update your browser (due to workplace restrictions) or choose not to and still need to access e-Banking, please bookmark the direct link to e-Banking - https://secure.nutmegstatefcu.org/auth/Authorize?fiid=1.
Why can’t I log into my account? Is the system down? Typically, we post notices when we are aware of a system outage or if the system will be down for maintenance. If there are no notices posted and you still cannot log into e-Banking, chances are your account may have been locked for your protection for any of the following reasons:
  • You entered your member number, user ID or password incorrectly.
  • The answer to one of your questions was answered incorrectly. Please remember that these are case-sensitive.
  • You have not yet enrolled in e-Banking. To enroll click here.
  • If you have already enrolled but are not able to login, your account may have been locked for security purposes. Accounts are locked after 4 invalid attempts. Please contact the credit union at (860) 513-5000 to have your account unlocked.
  • We may be experiencing problems with the e-Banking website. If no notice has been posted, please contact us to let us know that there is a problem.
  • To send us an e-mail for help or questions about enrolling or logging into e-Banking, click here.
OK! Now what? I’m ready to enroll! No password? No problem! Click here to enroll now! Already have a password? Click here to complete enrollment! Forgot your password? Click here to reset.
How do I enroll in e-Banking? To take advantage of the e-Banking features, members are required to enroll in e-Banking. The following are the steps required to complete enrollment:
  • You will need your existing member number and password to enroll. If you've never been assigned a password, you can assign yourself one by first verifying your membership. Click here to begin.
  • You may also call us at (860) 513-5000 or (800) 526-6933 if you do not know your member number and/or password. We can assign you an initial password that you will be required to change after enrollment.
  • You will then need to select 3 security questions and provide answers for them. You may choose from our questions, create your own, or a combination of the two. The answers to these questions that you create are case sensitive and will be used on subsequent logins to e-Banking. They must be answered in the same format that you created during enrollment.
  • If you already know your password, but never selected and answered 3 security questions, click here to begin.
  • You will also have to create a security phrase (see below for more detail).
  • You will also have the choice of creating a User ID (see below for more detail).
To view a demo of the enrollment process, click here.
What if I forget the answers to my Security Questions? · If you are having trouble answering your questions, you will need to contact us during normal business hours at (860) 513-5000 or (800) 526-6933. At that point, we can unenroll you so you may go through the security question enrollment portion again. · If you can answer any of your three questions successfully, you can review and/or change your questions/answers within e-Banking. This can be done by selecting "More Options" and then "Security Questions."
What is the User ID? The User ID is optional. This will allow you to access your account on e-Banking without using your member number to sign in. If you decided to create a User ID, you can sign in using either your member number or User ID. Think of the User ID as a nickname that you use to access your account. Some people prefer to use a name that they can remember, rather than using their member number.
What is the Security Phrase? The Security Phrase is used to help you identify e-Banking as a legitimate website. The phrase you select will be converted to an image. After enrollment, each time you sign into e-Banking you will see the Security Phrase with a watermark logo behind it.
What if I forgot my Password?
  • If you forgot your password, you can reset it online. You'll need to verify some information, and as long as it's correct, you can select a new password. Click here to reset.
  • You can contact the credit union during normal business hours and we can reset your password for you. For security purposes, you will then be prompted to change your password to something else once you first sign in.
Did my password change during enrollment? Your password does not normally change during the enrollment process. You can reset your password on our website, or contact us to have it reset. If you requested an MSR to reset your password, you will be prompted to change it to something else the first time you sign in.
What are the password requirements?
  • Passwords are case sensitive and must be between 4 and 10 characters.
  • After 4 invalid attempts, access to your account is automatically locked for security purposes for 24 hours. To unlock your account, you must call the credit union during normal business hours or you may wait 24 hours before attempting access again.
  • 3 Security questions are required. You can choose from a list that we provide or create your own. You can also choose a combination of the two. Regardless, answers to these questions are case sensitive.
  • If you forgot your password you can reset it after verifying your membership. Click here to reset.
Why am I being told my membership cannot be verified? · In order to verify your membership, you must type your information in exactly as it appears on your account. · After more than three unsuccessful verification attempts, your account is locked for security purposes for 24 hours. You may contact us at (860) 513-5000 or (800) 526-6933 to reset your account access or wait 24 hours and try again.
What can I expect when signing in?
  • After enrolling your account in e-Banking, you will now have the option of signing into e-Banking with either your Member Number or your unique User ID (if you created one during enrollment).
  • Signing into e-Banking is a multiple step process. On the main page, you will enter your Member Number or User ID.
  • You will then be asked to answer one of the challenge questions you selected or created during the initial enrollment.
  • After entering your Member Number or User ID, you will then be asked to input your password. You will also see the security phrase you created during enrollment (more below).
  • You can also "register your computer." This feature allows you to bypass the question portion of enrollment on subsequent logins.
  • To view a demo of the enrollment process, click here.
How can I or where do I sign into e-Banking? · You can now sign in right from our website, nutmegstatefcu.org. You will see a location to enter your member number or User ID on the home page. · You can also sign in from the e-Banking Login page at https://secure.nutmegstatefcu.org
Can I view a demonstration? Yes! · Click here to view our enrollment demo. · Click here to view our log-on demo. *Please note, to view demo, you must have Adobe Flash player (version 8) or higher. Click here to install or upgrade from Adobe.
What Web Browsers are supported? Internet Explorer, Mozilla Firefox, Netscape Navigator, Apple Safari, Google Chrome, and Opera have been tested and verified to work with e-Banking and our e-Services.
What is e-Banking? e-Banking is the name of the service that Nutmeg State FCU members use to access their accounts online. The e-Banking website allows members to do the following:
  • Check account balances and view account history for all of your accounts, including your Joint Accounts
  • Transfer funds between your accounts or other member accounts
  • View images of your cleared checks
  • Set up automatic scheduled transfers
  • Schedule and pay your credit union loans, including your NSFCU VISA® Credit Card and NSFCU Mortgage
  • Enroll and pay bills using e-Pay, our free bill payment service
  • Enroll and view statements online though e-Statements (free)
  • Stop Payments on checks and Reorder Checks
  • View current and previous year tax information
  • Change member information, including your address, phone numbers, or e-mail address
  • Import and download statements automatically through Quicken or QuickBooks
  • Access to VISA® Statements