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Questions members frequently ask about Internet Banking

General
Usage
Enhanced Internet Banking Security
Bill Payer
Transfers
Technical

General

When logging into Internet Banking, what is my User ID?

If you signed up for Internet Banking prior to February 27, 2007, your User ID is the same as it was before the system upgrade. This may have been an account number or your Member ID; either way, this will continue to be your User ID. If you signed up for Internet Banking after February 27, 2007, your User ID is what you chose for your Sign-on ID during enrollment.

What is my Password?

If you used Internet Banking prior to February 27, 2007, your password is considered what was formerly named PIN.

How do I find my Sign-on ID for online enrollment?

If you're enrolling in Internet Banking for the first time since February 27, 2007, your Sign-on ID can be whatever you choose. After you've signed up, this will continue to be your User ID when logging into Internet Banking.

How do I view all of my accounts within Internet Banking?

Internet Banking allows you to view all of your NuUnion accounts that you play a role on from the Account Summary screen. If you would like to add any new accounts that you've opened, just click the Add Account button and enter the account number and a display name for this account. If you would like to remove any accounts from the Account Summary screen, just click the Remove Account button, and select the appropriate account.

How do I know what account number to use when I add accounts in Internet Banking?

With the system upgrade in February 2007, changes occurred to the way account numbers are set up.

If you opened your account(s) prior to February 27, 2007, at the Grand Haven, Holland, or Jenison branches, the only difference you'll see in your account number(s) is that there is no longer a distinction between your membership number and the account suffix. For example, if the account number used to be 37987-000, it will now be 37987000.

If you opened your account(s) prior to February 27, 2007, at any of our other branches, please refer to the chart below to see how your account number(s) has changed:

Account

Old Number

As of February 27, 2007

Savings accounts, including those tied to Secured Visas®, will add a “2” before the suffix.

01234567 S1

1234567201

01234567 S2

1234567202

Certificates of Deposit will be issued a 600 number. The old certificate number won’t be used.

01234567 CD123456

12345676##

Checking accounts and others with check writing capabilities, including Money Markets and Home Equity Lines of Credit, won’t change.

01234567 S4

123456704

01234567 S9

123456709

01234567 L14

123456714

Loan accounts will add a “3” before the suffix.

01234567 L1

1234567301

01234567 L12

1234567312

Accounts set up after February 27, 2007, at any of our branches have been issued randomly generated numbers and don't follow any of the patterns discussed above. If you're not sure what your account number is, talk to a NuUnion representative at a local branch or call the Member Contact Center at 888.267.7200.

What is Internet Banking?

NuUnion's Internet Banking is a powerful service that provides you state-of-the-art ways to conduct your business online. It's a highly personalized and comprehensive financial management tool. Take care of NuUnion business quickly and easily with convenient 24/7 account access.

When can I expect Internet Banking to have scheduled down time and what's its maintenance window?

To improve NuUnion's Internet Banking performance, Internet Banking and Bill Payer will be unavailable during the following maintenance windows:

Internet Banking – 1:00 a.m. to 5:00 a.m. on the second and third Sundays of each month
Bill Payer – 2:00 a.m. to 6:00 a.m. on the following days in 2009: December 6

We apologize for any inconvenience this may cause.

I can't find my question listed here.

Within Internet Banking, you'll find a help system that answers questions as they arise. If your question is browser specific, you should check your browser's help system.

Where can I get help with my financial software?

Start with your software's help menu or check the maker's website:

Where can I get help with my browser?

A good place to start is with your browser's help menu. If you can't find the answer there, check the maker's website. Here are a few links that provide technical information and downloads:

Exactly what equipment and software do I need to access NuUnion's Internet Banking?

You'll need an Internet service provider, a modem (28,800 baud or higher is recommended), and browser software which supports Secure Sockets Layer and is 128 Bit Encryption capable (i.e. Netscape 6.x or newer, Microsoft Internet Explorer 5.x or newer, current browser version is recommended). Using browsers that aren't capable of 128 Bit Encryption could put your personal information at risk and are therefore not supported - please check with your computer software support for upgrades.

For best results, we recommend Microsoft Internet Explorer 6.0 or higher. Customized browsers like SBC-Yahoo, AOL, and MSN aren't supported. NuUnion doesn't support Macintosh browsers; however, some members that do use Macintosh systems have been able to access using the most recent Apple Safari, Netscape, or FireFox browsers.

NuUnion's Internet Banking doesn't work with Macintosh systems using the Internet Explorer browser. Microsoft ended support for Internet Explorer for Mac on December 31, 2005, and isn't providing any further security or performance updates for Mac users.

Our Internet Banking also doesn't work with Web TV. Web TV doesn't support industry standard software, and recent changes to the Web TV browser have made it incompatible with some software. Specifically, Web TV isn't able to interpret JavaScript accurately. As WebTV's website notes, "full compatibility with all standards is impossible due to the small amount of memory in the original WebTV systems."

We recommend you be on the most recent release of whatever browser version you're using.

Is the Internet safe and secure for online banking?

Yes. This is a common concern with banking and commerce on the Internet. Data on the Internet is safeguarded by encryption as it moves between systems. Data residing on a system can only be accessed by using an authorized User ID and Password.

Guarding the privacy and security of our members' personal and financial information is one of our top priorities. NuUnion uses state-of-the art software and technology to prevent unauthorized users from accessing your accounts.

You can help safeguard your personal and financial information by protecting your User ID and Password. A proper combination of your User ID and Password is the only way to get access into your accounts. It's important to keep this information secure. Remember to look for the security symbol on your browser and make sure https: appears in the address line.

It's also very important to always click the 'Sign Off' button in Internet Banking when you're finished. This will assure that others that use your computer will not be able to log into your accounts without your User ID, Password and answers to your Personalized Security Questions.

Can anyone else see my account information? Is it out in the public?

No. Your online account information is available through access methods that have been rigorously tested for security accessibility. The information isn't public. Only you can access it using your User ID and Password.

You can help safeguard your personal and financial information by protecting your User ID and Password. A proper combination of your User ID and Password is the only way to get access into your account. It's important to keep this information secure and to sign off when you are finished.

I can view other areas of NuUnion's website but I can't get into Internet Banking. What's wrong?

If you're able to view other areas of our website, but are unable to access Internet Banking, it may indicate that you're having a problem accessing secured sites in general. To protect your personal information, both your browser and Internet service provider must support SSL secured sites. Refer to the requirements for using our Internet Banking. Using other browsers may prevent access.

Another reason you might not be able to access Internet Banking is your cookies may not be enabled. In order to enter the secure encrypted site, you must accept the cookies.

Why is it important to select "Sign Off" when I'm finished using Internet Banking or when I walk away from my computer?

Once you have signed into Internet Banking, you've begun an "active session." If you walk away during the course of an active session, someone else can use your computer to perform transactions involving your accounts. It's similar to walking away from an ATM while your card is still in the machine.

For your security, our Internet Banking will automatically end your active session if there is no activity on your session for 15 minutes. However, to eliminate any exposure, it's always best for you to end the active session by selecting "Sign Off".

How can I contact NuUnion?

We're always here to help. You can e-mail us through the Mail Box within Internet Banking, use NuUnion's Chat on our website, or call 517.267.7200 or 888.267.7200.

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Usage

I made a transaction in Internet Banking, but it doesn't show in the history.

Most transactions occur immediately. However, there are times when the server that completes the transaction isn't available. When that happens, Internet Banking waits for access, and then completes the transaction.

Can I have more than one checking account linked to Internet Banking?

Yes. You can link all of your checking accounts as well as savings, CDs, and Loans.

How current is this information?

Most transactions and balance updates are reflected on Internet Banking as soon as the transaction is performed. For example, any transaction you do at a branch or an ATM will immediately appear in Internet Banking. It may take one to three business days for debit card transactions to appear in Internet Banking. Checks written will appear as they're cashed and processed.

Does NuUnion's Internet Banking work with other accounting software (i.e., Quicken®, or Money®)?

Absolutely. Our Internet Banking was designed to be highly compatible with these popular software programs and many others. Simply click the Money® or Quicken® link on the left side of the screen or select the Reports button and then File Export for these and other choices to be exported into a file for import into your accounting software.

How do I automatically access my Internet Banking transactions from within a third-party financial software (i.e., Quicken, Money, etc.)?

NuUnion supports exporting account transactions to a third-party financial software only by first logging into Internet Banking and using the exporting feature under the Reports section. NuUnion currently doesn't offer the ability to automatically access your financial information from within third-party financial software, but this is something we'd like to offer to our members in the future. At this time, there are industry-wide issues that need to be resolved before we can offer this feature to our members, specifically, government regulations now require multi-factor authentication to any financial information accessed online.

Since you allow me to rename my accounts, do you have any suggestions on naming accounts?

When you use Edit Account to change the name of an account in Internet Banking, please make sure you always keep the account number and type of account in the name, such as savings, checking, loan, certificate, etc. For example, if you wanted to change your Secondary Savings Account to Vacation Fund, you'd want to make sure you add the account number and the word "Savings" somewhere in the name, such as "12345678 Vacation Savings Fund". The new name you give this account will not only show in Internet Banking but also on your statement and on our ATMs. By using the full account number and type of account in the name, it'll help you identify your account and aid in any account research if necessary.

On the Accounts screen, there is a button that says Remove Account? Why would I do that?

When you choose Remove Account, this is giving you the option to not view this particular account in Internet Banking. The account still remains on NuUnion's computer system. If you need to close an account, you need to stop into any NuUnion branch or call the Member Contact Center at 517.267.7200 or 888.267.7200. We're here to help.

Why can't I see some of my check images?

If your paper check was converted to an electronic check directly from the merchant, this clears your account immediately and NuUnion doesn't receive the actual paper check for imaging. It may take one to two business days for an electronic check image to appear on Internet Banking.

Another reason may be that our check imaging system is currently unavailable. Please check back shortly or you can e-mail us through the Mail Box within Internet Banking, use NuUnion's Chat on our website, or call 517.267.7200 or 888.267.7200.

Why is my check image stamped with "NSF"?

If your Checking Account didn't have sufficient funds to cover the check when it was first presented to NuUnion, it may be stamped with NSF (Not Sufficient Funds) and returned to the merchant. The merchant may have deposited your check a second time and your Checking Account did have sufficient funds to pay the check. You'll then see that initial NSF stamp on the check image even though the check was paid the second time.

In the check image, I can't see what I wrote on the check?

We recommend you use medium point black or blue ink when writing checks, especially if you have very colorful checks. Use of other writing utensils, such as light colored pens or pencils, will result in very light images of what you wrote on the check.

What is the best way for me to print my check images from Internet Banking?

For a printer friendly version of the check image, click on your check image. You'll see your check image enlarged and on a page of its own. Use your browser's print option to print this enlarged check image

What are E-Statements and how do I view them?

E-Statements are an electronic version of your paper statements. To view your E-Statement, click on the E-Statement link at the top of the Accounts page. This will open a new window where you'll select the statement you wish to view. You'll only be able to view account information where you're the primary owner.

When I use my Debit Card, why do I sometimes see the name of the company and other times I see only the address?

When you use your Debit Card like a credit card and sign for your purchase, the company name will show. However, when you use your Debit Card and enter your PIN, the company address will show. If you want to see the company name, use your Debit Card as a credit card.

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Enhanced Internet Banking Security

Why is the way I login to NuUnion's Internet Banking changing?

To make NuUnion's Internet Banking as secure as possible, we're introducing an enhanced security feature in coordination with regulator requirements. Our enhanced security lets you know it's really us and lets us know it's really you. You can rest easy knowing your accounts are always being protected by our online security.

What is the enhanced security feature?

The enhanced security feature is a Personalized Security Image and Caption that's customized by you. When you see your image and caption, it gives you confidence you're at our website. And the security system will remember the computer or computers you normally use to login to NuUnion's Internet Banking if you choose. If you or someone else tries to login to your accounts from an unrecognized computer, we'll ask security questions only you know the answer to so we can verify your identity.

When do I have to enroll by?

We encourage you to participate upon your earliest convenience. However, each time you login, you'll have the choice to enroll right then or to delay until the next time you login. Once you've enrolled, you'll see your Personalized Security Image, Caption, and Security Questions, and you can feel safer knowing we've provided an additional layer of security to your account.

How does the Personalized Security Image and Caption work?

The first time you login to NuUnion's Internet Banking once the enhanced security software has been implemented, you'll be prompted to choose one image and enter your own personalized brief caption under the image. You'll have many images to choose from. The one you select will be your Personalized Security Image and Caption. Every time you login to Internet Banking, your Personalized Security Image and Caption will appear before you enter your password. Seeing your Personalized Security Image and Caption lets you know you're at NuUnion's Internet Banking and not a look-alike site. This means it's safe to enter your password. If the correct image and caption don't appear, don't enter your password.

How do the security questions work?

After you've chosen your Personalized Security Image and Caption, you'll also choose and answer three security questions that only you know the answers to. There will be dozens of questions to choose from. If you choose to "Register Your Computer", the enhanced security feature will recognize the computers you normally use to access NuUnion's Internet Banking, and will request you to answer the security questions less frequently. If you or someone else attempts to login from a new or unrecognized computer, you'll need to answer the security questions that only you know the answers to before being allowed to continue.

I'm having trouble accessing internet banking through the new online security enrollment.

This could mean the settings on your computer may need to be adjusted. Some things you might try:

  • Add NuUnion's Internet Banking as a trusted site -- Internet Explorer: Tools > Internet Options > Security tab > Trusted Sites > Sites > add https://ib.nuunion.org as a trusted site OR for Firefox Tools > Options > Privacy > Exceptions > add https://ib.nuunion.org as a trusted site.
  • Sometimes Internet Explorer doesn't set off the cookie alert when the privacy settings are blocking our site, which means you could go through the enrollment process unaware of the problem with cookies; however, it won't allow you to enroll. Sometimes this is caused by a virus package with web filtering that's installed on the computer.

How do you recognize the computers I normally use?

With the enhanced security feature, after you've logged in you'll also be asked to check a box if you want us to remember the computer or computers you normally use to access NuUnion's Internet Banking. By checking checking this box, it does not mean you'll never have to answer a security question from this computer, but rather that it should happen less frequently. If you're using a public computer or one that you don't normally use to access your accounts online, you shouldn't choose to have the security system remember that computer.

Where do I enter my password?

With our enhanced security feature, we've moved the password entry step. You'll no longer enter your password at the same time you enter your User ID. Once you enroll in our enhanced security feature, if you're at a computer you've asked us to remember, you'll first enter your User ID, then you'll see your Personalized Security Image and Caption. If the correct image and caption appear, you can then enter your password. If you login from a new or unrecognized computer, after you've entered your User ID, you'll have to correctly answer your security questions before your Personalized Security Image and Caption appears and you're allowed to enter your password.

Why do I need the enhanced security feature?

Recently there have been attempts by fraudsters to trick people into revealing their personal information, such as passwords, by creating fake websites that look very much like the sites of legitimate financial institutions. They send out e-mails with links to these fake websites claiming you need to login to your accounts. This is called phishing. We're committed to proactively protecting you against these types of threats. By making sure you always see your Personalized Security Image and Caption before entering your password, you can be sure your information is being entered into our legitimate site.

Why am I being asked security questions when I try to login?

We ask your security questions when we detect that you're trying to login from a new or unrecognized computer. This helps us make sure it's really you trying to access your accounts. If you choose to have us remember your computer, you will be asked to answer these questions less frequently.

Can I access my accounts from multiple computers?

You can still access your accounts from any number of computers. If you login from a new or unrecognized computer, you'll first need to answer the security questions before your Personalized Security Image and Caption is displayed and you're allowed to enter your password.

I share my computer with someone who has their own accounts. Can both of us still login from the same computer?

You can both use the same computer to login to your individual accounts. You'll each see your own Personalized Security Image and Caption. There's no limit on how many people can login to NuUnion's Internet Banking from the same computer; however, if you've registered this computer and someone else logs into NuUnion's Internet Banking from the same computer, there's a higher chance that you'll still be requested to answer the Security Questions. Also, it's very important that you Sign Off from Internet Banking rather than just closing the browser window when finished.

Can I change my Personalized Security Image and Caption?

You can change your Personalized Security Image and Caption at any time. To make the change, go to Options in Internet Banking. Links are provided to Change Personalized Image and Change Security Questions.

What if I forget my Personalized Security Image, Caption, Security Questions or Password?

Contact NuUnion at 888.267.7200.

What if I don't recognize my Personalized Security Image or Caption?

Contact NuUnion at 888.267.7200.

I'm trying to login from my own computer, but my Personalized Security Image and Caption isn't showing. Instead, it's asking my security questions. Why is this happening?

This might happen in some cases if you've deleted all cookies on your computer. Also, on rare occasions, we might ask your security questions just as a security check, even if you're using a computer you've asked us to remember. Before answering security questions or entering your password, make sure you're going to our legitimate website. The easiest way to ensure this is by typing our URL (NuUnion.org) directly into your web browser and entering your User ID. Then, after you answer the security questions, you should see your Personalized Security Image and Caption and the password field. If your Personalized Security Image and Caption appears, you can be confident you're at our legitimate website and can enter your password.

Why am I asked to answer my security question when I've already registered this computer?

This might happen if you've deleted your cookies or your system automatically deletes your cookies and you don't have Adobe FlashPlayer installed on your computer. You may need to install Adobe FlashPlayer on your computer. This free download can be accessed from www.adobe.com Also, if you've registered your computer, you'll need to check the Register This Computer checkbox each time you're posed with a security question.

Will my password change due to the enhanced security feature?

No. Your Personalized Security Image and Caption as well as the security questions and answers you provide are separate from your regular password.

I already have anti-virus protection and a personal firewall. Why do I need this enhanced security feature?

Your anti-virus program and personal firewall are important to protect your computer against viruses and other threats. Be sure you keep both software programs up-to-date for the best possible protection. This enhanced security feature protects against other kinds of threats, such as a stolen User ID and password. It protects you from accidentally revealing your User ID or password to a fake site. In addition, if someone does tries to login to your accounts, they would be asked your security questions which only you should know the answers to. It works with your other personal security programs, but doesn't replace them.

Is my personal information safe?

Yes. In fact, your personal information is safer than ever before because we're making sure it's really you and not an unauthorized user trying to access your information.

Will I still be able to use account aggregator services such Yodlee to access my account information?

Any change in account structure may affect the accessibility through account aggregator services. If this is an issue, contact your account aggregator for a possible solution.

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Bill Payer

What is Bill Payer?

Bill Payer allows you to pay your bills online. This electronic bill payment service through CheckFree eliminates writing and mailing checks. You decide which bills to pay, the amount, and the payment dates. Set up is easy and you can pay just about anyone in the United States you would normally pay by check or automatic debit. You don't even have to receive a bill from the company or person you want to pay - like the teenager who mows your lawn.

  • Pay all of your bills conveniently from the Payment Center.
  • Review a summary of your pending payments and also payments you've made in the past 45 days.
  • Receive some of your bills online - Bill Payer can receive e-Bills from hundreds of billers nationwide.
  • Set up automatic payments for your e-Bills and automatically schedule payments of set amounts at regular intervals.
  • Review your bills and payments for the past six months.
  • Export your payment information to Quicken® and Microsoft Money®.

How does Bill Payer work?

To pay your bills online, you easily set up the companies and people you want to pay. After you add your bills, go to the Payment Center where you'll find the Pay Bills section that lists all of the bills you've added. To pay a bill, you simply enter a payment amount and the date when you want the company or person to receive your payment. A date can also be selected from the calendar.

How do I sign up for Bill Payer?

You can sign up for Bill Payer anytime you want. Just click on the Bill Payer button within Internet Banking. You'll be notified that you're not currently enrolled and given the opportunity to enroll. Simply acknowledge you want to enroll, and you can immediately start using the service.

How much does it cost to use Bill Payer?

NuUnion Bill Payer is FREE to all members.

How long does it take to set up a new biller?

Setting up a new biller is easy. Once you're on the Bill Payer Payment Center screen, click on Add a Bill at the top of the screen. Follow the easy-to-use steps to set up your biller. Once set up, your biller appears in the Pay Bills section of the Payment Center. You can immediately enter an amount to be paid and choose the date offered or select another date.

When I set up my payment in Bill Payer, why can't I take the funds from my Savings or Money Market Account?

Due to government regulations, you must have the funds for any Bill Payer payment come from your Checking Account. NuUnion has several Checking Accounts to meet your needs.

Should the payment date I put in Bill Payer be the date the payment is due?

That's up to you. Your payment is guaranteed to reach your biller by the date you enter. If you want the payment to arrive at your biller prior to the due date, enter that date rather than the due date. Bill Payer will show you the earliest date that your payment will arrive at your biller. If you prefer, you may choose a later date.

When are the funds taken out of my account when I schedule a payment through Bill Payer?

Most Bill Payer payments will clear your account on the due date you specified. The funds will remain in your account until that payment date. Always make sure there is enough money in your account when the Bill Payer payment is processed on its due date.

When are my payments delivered and how can I make sure my biller receives my payment on the due date?

Your payment will be processed for delivery on the date you choose. Payments are processed Monday through Friday. While most payments reach your biller in a day or two, we recommend you submit payment requests a minimum of five business days in advance of when the payment is due. This ensures there is sufficient time to process your payment and get it to the biller by the due date.

Why does it take a few days to process payments?

While most payments are sent electronically and arrive in a day or two, some billers are unable to accept an electronic payment. In this case, we send through the U.S. Postal Service an actual paper check, either directly from CheckFree or your Checking Account to your biller. Once the biller receives the check, it may take a day or so for that biller to process the check and post it to your bill with them. By allowing a minimum of five business days for processing and delivery, we can guarantee that your bills are paid on time.

Can I choose the method of payment used in Bill Payer?

No. Bill Payer processes all payments with the best method in mind.

Why did my payment get sent as a check?

Some of the possible reasons why payments are sent by check:

  • Registration: The biller is not registered with CheckFree as an electronic biller.
  • Restrictions: The biller may specify that they accept electronic payments, but only above or below a certain amount which is determined by each biller. (Example: Biller XYZ only accepts electronic payments up to $1000; a check will be sent for any amount above that).
  • Subscriber Payment History: If a subscriber has a history of NSF transactions with the bill pay service, some payments may go as checks because CheckFree is unwilling to risk losing their money.
  • Reversibility: A biller may not allow reversibility (CheckFree's ability to reverse the payment and retrieve their funds in the event that the subscriber is NSF). High dollar amount payments to that biller would be sent as checks instead of electronically.
  • Risk Limits: CheckFree will set a certain amount they will risk per day, week, or month, that they will use their own funds to send payments on behalf of a subscriber. This is where the subscriber's credit worthiness and payment history with CheckFree can come into play.
  • Biller Account Changes: Recent changes or re-issuance of the biller account number may have occurred.
  • Biller Processing: The biller may have temporarily switched the payment method to paper, whihle they update processing information.

How can I prove payments were made through Bill Payer?

With each bill payment, you're given a Confirmation Number. This indicates your payment has been processed and is used for tracking payments. Cleared payments and transfers also appear on the Register screen. If you see an 'X' near the end of the account information, the transfer or bill payment has posted against your account. Your NuUnion monthly statement will indicate the date and amount of the payment. Your biller should also show the payment in their records.

What happens if I don't have enough money in my account to cover a bill payment?

Bill Payer is designed to pay your bills on the date you select. We want to give you every opportunity to protect your credit rating. The payment will be sent to your biller to cover the payment. If your account is short of funds, but has sufficient overdraft protection through pre-authorized transfer from other NuUnion deposit accounts or your NuUnion Line of Credit, those will be used to cover your payment with the normal transfer fees. If funds are not available in your account when your bill is processed, an NSF fee will be deducted from your account and at our discretion, your account will either be negative or your payment will be returned to CheckFree Corporation for collection.

What if NuUnion's Internet Banking goes down? Will my Bill Payer payments be made?

You can be comfortable knowing that any payment you've already scheduled prior to the system going down will be processed. If you were in the middle of a transaction when you lost your Internet connection and there is some question as to whether the system has received your request, just contact us to make sure your transaction request has been accepted. We'll be happy to help. You can e-mail us through the Mail Box within Internet Banking, use NuUnion's Chat on our website, or call 517.267.7200 or 888.267.7200.

What should I do if a biller has not posted my payment?

You should allow a few days for your biller to process your payment. If your biller hasn't posted the payment to your bill after a few days, you can e-mail us through the Mail Box within Internet Banking to inquire about the status of the payment. We're here to help you. Be sure to provide the item's Confirmation Number which is displayed on the Bill History screen under the Confirmation column. The payment will be traced and a status response will be sent to you.

Can I assign different bills to different checking accounts?

Yes. You can assign different bills to different checking accounts. Click on the drop down menu next to Account and choose which account you want the bills to be paid from.

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Transfers

What if Internet Banking goes down? Will my transfers go through?

You can be comfortable knowing that any transfer you've scheduled, either as a one-time or recurring transfer, prior to the system going down will go through. If you're in the middle of a transaction and you lose your Internet connection, and there's some question as to whether the system received your request, you can e-mail us through the Mail Box within Internet Banking, use NuUnion's Chat on our website, or call 517.267.7200 or 888.267.7200 to ensure your transaction request has been accepted.

How can I prove transfers were made through Internet Banking?

Cleared transfers will appear on your Register screen. If you see an 'X' near the end of the account information, the transfer has posted against your account. Your monthly statement will also indicate the date and amount of the transfer.

Can I stop or modify my request to transfer funds?

Yes. Until your scheduled transfer is processed, you can modify or cancel your funds transfer request. However, after a scheduled funds transfer transaction is complete or you do a one-time immediate transfer, you can't stop the transfer from occurring. At that point, if you change your mind about the amount you want to transfer, simply make a new transfer to move the funds back between the appropriate accounts.

Cross-member transfers are considered one-time transfers and occur immediately. If you do a cross-member transfer that you later want to undo, you'll need to contact the member that you transferred funds to and ask them to transfer the funds back. Cross-member transfers are designed with safeguards in place to prevent transfers to an account unknown to you; however, if this unlikely event does occur, contact us immediately.

How do I make changes to recurring transfers?

After setting up recurring transfers, you can change the source and destination accounts, the total number of transfers, and the date, amount, and frequency of transfer.

  1. Select "View/Edit Pending Transfers"
  2. Select the account you want to modify
  3. Make appropriate changes

When are recurring transfers processed?

Recurring transfers are processed daily (including weekends) at 5:00 p.m. Eastern Time.

Can I make unlimited online transfers from my Savings and Money Market Accounts?

No, withdrawals from all Savings and Money Market Accounts are limited by Regulation D (Reg D). This is a federal regulation all financial institutions must follow. It puts restrictions on the number of withdrawal transactions through electronic channels that are allowed on Savings and Money Market Accounts. Reg D limits these withdrawals to six (6) per month. After the six (6) per month, there is a $1.00 per online withdrawal fee.

I need to make more than six (6) withdrawals in one month and don't want to pay the $1.00 fee.

You can make unlimited withdrawals in person, at a branch, by mail request, by staff assisted phone call, or at an ATM. Reg D applies only to electronic channels such as Internet Banking.

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Technical

Why are cookies required to use Internet Banking? How do I enable them?

Cookies keep track of your Internet Banking session. Without an assigned cookie (which only contains a session number), you'd have to re-enter your User ID and Password for every transaction. If you received a message about enabling cookies on Internet Banking, please refer to your browser's (Internet Explorer, Netscape, etc.) help menu. If you need further assistance, contact us.

What is encryption?

Encryption is a sophisticated method of scrambling data before it's transmitted by your computer, so that all information, including passwords and online bill payments, is completely unreadable by unauthorized third parties.

When online information is encrypted in Netscape, a small, unbroken key or lock icon appears at the bottom left-hand corner of your screen. For Microsoft browsers, an unbroken lock icon appears on the bottom right-hand of your screen.

When trying to log in, I'm continually rerouted to the login page without an error message.

This problem can apply to any browser with cookies or JavaScript (ActiveScripting in Internet Explorer) disabled.

When you attempt to login, an icon of an eye with a circle with a negative sign appears at the bottom of the window in the browser status bar.

One possible cause we've found in Internet Explorer 6.x and AOL 7.x is that privacy settings don't allow Internet Banking to write the session cookie necessary for access. To resolve the issue:

  1. Double-click on the icon of the eye/circle
  2. Select "Settings" on the window that appears
  3. Either change your privacy settings to "Medium High" or click "Edit" and enter nuunion.org in the address field and select "Allow"

I'm unable to log directly into Internet Banking and once in, unable to conduct certain transactions (WebTV® only).

WebTV handles the "HTTP POST" directive in a way that's incompatible with Internet Banking. At this point, our online banking software currently only supports Internet Explorer and Netscape. Any further developments will be posted here.

I'm unable to log into Internet Banking (Macintosh users).

This can happen if Macintosh users are using Internet Explorer as their browser. Microsoft stopped supporting Internet Explorer for Macintosh in December 2004. If this is the case, try using a different browser. The following link provides a free download for Apple's Safari web browser:

http://www.apple.com/safari/download/

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501 S. Capitol Avenue, Lansing, Michigan 48933-2320 | p 888.267.7200
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