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New eBanking FAQ

 

Registration

How do I enroll in FedChoice eBanking? How do I log in for the first time? (Desktop/Mobile)

Desktop- To enroll for eBanking:

  • From the Fedchoice.org homepage, click on “Need to Register for an Account” within the green eBanking box. We will be asking for a few pieces of your personal information such as your Social security number, account number and your date of birth.
  • We will confirm your email address and mobile number (providing we have it on file) and if we do not, you will be prompted to provide it.
  • You will be able to create your user name and password.
  • Create a Security Phrase and Select an image to associate with your account (If in the future you do not see these, do not proceed into your account!)
  • Set your security questions.
  • Accept the terms and conditions and select confirm and enroll!
  • You will now be able to go back to the home page and enter your user name, password and we will send your PIN to register the device you are using.
  • You are now logged in to eBanking!

Mobile:

  • Click “I am a new user.”
  • Enter your Login ID and click "Submit"
  • Select the delivery method to receive your Secure Access Code (text, phone call, or email if applicable).
  • Enter the six-digit Secure Access Code delivered to you.
  • Create and confirm your password.
  • A profile screen will appear for your review. You will be required to complete all missing fields and submit to complete your enrollment.
  • Review and accept the online banking agreement.
 

Security/Security Code/PIN

What is a secure access code/PIN?

A secure access code for Online and Mobile eBanking is a one-time 6 digit security code which provides an extra layer of security and authentication. This can be delivered via email or cell phone (members will see enough information that they should be able to tell where the code is being sent). This new PIN is required every time someone accesses eBanking from a new location for the first time – this could be via a new browser, machine or even a tablet.

 
Do I have to enter a Secure Access Code/PIN every time I log in?

When you enter your Secure Access Code, we will register the device. Once registered, you will not need a secure access code going forward unless your browser or device does not retain cookies from FedChoice. When you register a new device (this could be a cell phone or tablet in the same household) you will receive a new PIN.

The system is automatically logging me off in a short time frame. Can I change the log-off time?

This enhanced security feature is to prevent others from accessing your account information. The system will automatically end your session when it detects a period of inactivity. However, if you would like to change the “Automatic log-off time, Log in and follow the steps below:

  • Under Settings, click ”Login Settings”
  • Click on the “Automatic Log-Off”
  • Use the “Up or Down” arrow keys to increase or decrease log-off time
  • Click  “Save Changes”
Is my online application secure?

All aspects of FedChoice eBanking are incredibly secure thanks to a combination of encryption, firewalls, and third party verification among other security features. Visit our Online Banking Security page to learn more about what we do to protect your information.

 
What if I forget my eBanking password?

If you forgot your password:

  • Click the “Forgot Your Password” link on the eBanking log in page.
  • Enter your Login ID, and click “Submit”
  • Request a Secure Access Code to be sent via text, or email
  • Enter and confirm your new password
How do I change my password?

Log in and follow the steps below:

  • Under Settings, click ”Login Settings”
  • Click on the “Password”
  • Enter the current password and the new password
  • Confirm your new password
  • Click  “Save Changes”
I don’t remember my Security image or security questions. How can I reset it?

Log in and follow the steps below:

  • Under Settings, click “Login Settings”
  • Click “Challenge Questions”
  • Select new “Challenge Questions” and enter “Answers”
  • Click “Save Changes”
    • Change Security Image
  • Under Settings, click “Login Settings”
  • Click “Security Image”
  • Current Image will display
  • Select new “Security Image”
  • Click “Save Changes”
I have been locked out of the system due to entering the wrong User ID or password too many times. How do I unlock my account?

If you have locked yourself out, you will need to allow the system to reset. This is an additional security feature to ensure that someone doesn’t gain your password and continuously attempt to access your account. If you feel that you are close to locking yourself out, you will want to reset your password or contact us to help you access your account.

I don’t recognize the image/security phrase, but I know I put in my user name correctly!

We recommend you go back one page, reenter your username one more time and try again. If you are still seeing the wrong image/security phrase do not enter your password, please call FedChoice at 301.699.6151.

Can I keep my current password?

This is a tricky answer – maybe depending on how complex it currently is. You will get three logins before you are forced to change. The new requirements include:

  • At least one alphabetic letter
  • Password must be at least 8 characters long.
  • Password can be up to 20 characters long
  • The password must not contain following values:
    • Member number
    • Social Security Number
    • Username

Alerts

 
How do I set up account alerts?

Under the “Message & Alerts” tab, click “Alerts”. There are six types of alerts you can setup:

These alerts will notify members, via email or text message, of important account activity, such as:

  • Balance Alert - Low balances
  • Deposits or withdrawals
  • Balance Change
  • Transaction Size
  • Payments Due
  • Overdrawn Transfer – Negative balances
  • Courtesy Pay

To set up an alert, log in and follow the steps below:

  • Click Messages & Alerts, click “Manage Alerts”
  • Click on the “Manage Alerts”
  • Click on the “General or Account  Type”
  • Select the “Alert” you wish to enable
  • Slide Toggle to the “Right” to turn on – toggle will be green when enabled “on”
How will I receive account alerts?

You can choose to receive alerts by email, phone call, text, or secure message. Note: Message and data rates may apply. *

How long does it take for an alert setting to take effect?

Alerts take effect immediately after you have enabled or disabled the chosen alerts you want to go into effect.

How do you disable all alerts?

Log in and follow the steps below:

  • Under Messages & Alerts, click ”Manage Alerts”
  • Click on the “General”
  • Select the “Alert” you wish to disable
  • Slide Toggle to the “Left” to disable or “Right to enable
    • Disable Account Alerts
  • Under Messages & Alerts, click ”Manage Alerts”
  • Click on the “Account”
  • Select the “Alert” you wish to disable
  • Slide toggle to the Left to disable or Right to enable
    • Disable Account Alerts
  • Click  “Save Changes”

BillPay/Payments

How do I add an external account to bank to bank transfers?

We will make two small deposits into the external account to confirm that it is your account – these are called micro deposits. Once you see those deposits go into your account, you can start to transfer money. This usually happens within 48 hours. The member will be required to confirm the micro deposits to establish the ACH.

Log in and follow the steps below:

  • Click Transfer & Payments, click “External Transfers”
  • Click on the “Add New Payee”
  • Enter “Primary Name on Account”
  • Enter “Bank Name”
  • Enter “Routing Number”
  • Enter “Account Number”
  • Click the drop down arrow to enter “Type of Account”
  • Click on “Link Account” button to create the deposits
 
How do I set up a recurring payment?

Log in and follow the steps below:

  • Click Transfer & Payments, click ”Make a Transfer”
  • Click on the “Account” where the money is coming from
  • Click on the “Account” where the money is going to
  • Enter “Transfer Details”
  • Enter “Amount”
  • Click “Transfer Options”, and select repeating transfer
  • Click on the Calendar Icon to select start date
  • Click drop down arrow to select frequency
  • Click on  “Ending Options”
  • Click “Save”

Scheduled transfers, recurring or one time, that fall on a weekend or holiday will be processed on the following business day.

Can I pay a bill(s) with my credit card?

Currently, we do not allow payments from a credit card.

Will I continue to be able to change any future dated payments I have set up?

You can adjust payments that are scheduled for future dates!

How can I change payee information on a bill payment I’ve set up?

To modify payee information in the Bill Pay system, Log in and follow the steps below:

  • Click “Bill Pay”
  • Click on the “Payee”
  • Under Payee Information, click View/Change payee details
  • Click “Change Information” or “Change Payee Information”
  • Edit Payees information
  • Click “Save Changes”
Can I cancel a payment?

Yes, just click the Cancel Link in the “Pending Payments” section on the “Make Payments” page.

Will my existing Bill Pay information be saved once the Home Banking has been upgraded?

All of the existing information is carrying into the new eBanking platform.

How can I expedite a payment?

The ability to make an expedited payment depends on the payee and time of day. Log in and follow the steps below:

  • Click Bill Pay, click ”Expedited Payment”
  • Click on the “Add New Payee”
  • Enter “Primary Name on Account”
  • Enter “Bank Name”

To get started, please determine the payee that you want to pay.

From your navigation links, click the link to make an expedited payment.

Result: The first Expedited Payment page appears.

Select the payee you want to make an expedited payment to and click the button to continue.

Result: The next Expedited Payment page appears.

Specify the payment type and details for the payment and click the button to continue.

Result: A preview page appears, allowing you to review the payment.

Review the payment you've decided to make and click the button to submit your payment.

Result: A confirmation page appears.

Once you submit your expedited payment, it cannot be edited or canceled. All expedited payments can be viewed on the payment history page for each payee. Your convenience fee will be debited from your funding account as a separate transaction. If your payment is made by overnight check, your address entry may have been modified due to a formatting preference of the payee and a tracking number will be assigned once the payment is shipped.

Are there any changes in the Security Requirements?

There are no changes in the Security Requirements for BillPay – however, overall in eBanking we have drastically increased the security features for our members!

How quickly will my bills be paid?

Payments begin processing depending on how the biller or payee is set up to receive payments. Please be sure to review each biller/payees’ calendar for processing time information. You can schedule payments up to a year in advance, and should you happen to schedule a payment to be received on a weekend or a holiday, it will automatically be adjusted to fall on the previous business day. Paying bills electronically enhances your ability to control your payments, allowing you to better manage your cash flow and avoid late fees - which can hurt your credit record.

When will my payment be debited from my account?

Your account will usually be debited the same day it is paid. In some cases a check must be issued to the biller and the funds will not be collected until the biller/payee cashes the check.

What are the computer system requirements to use the service?

FedChoice BillPay supports the following browsers:

  • Windows 7 or  Higher -  Internet Explorer 11, Chrome & Firefox
  • Windows 8.1 -  Internet Explorer/Edge & Firefox
  • MAC OS X 10.10 - Safari 8x & Chrome.

eStatements/Taxes/ Notifications

Can I request an eStatements from prior years?

To view your eStatements, simply click on the “eStatements” tab. You can view up to two years of eStatements.

How do I access my tax documents?

If you have earned over $10.00 in dividends during the year, youcan download a copy of your 1099 by selecting “eDocuments” and then “eStatements".

How do I go paperless?

Click on “eStatements” with online banking and then accept the eDisclosure Agreement. Once accepted, you will be shown the eStatements online for your eligible account(s) and a new page will open with a rolling 24 months of statements you can view, print or download.