Getting Started With Our Online Services
(Revised 10-22-2010)The information on this page will help you get started using the online services of St. Cloud Federal Credit Union. Included below are detailed instructions for first-time use of the following services:
- Online Banking
- Online Bill Payer
- e-Statements
- Online MasterCard
If you have any additional questions, contact Member Services at 320-252-2634, by email:info@stcloudfcu.coop
The following Internet browser programs will give you access to our online services. Apple Mac users with the Safari browser should download the Firefox browser, if Safari does not perform properly with our services. Keep in mind, however, that most Internet services are created to be compatible first with Microsoft Internet Explorer, and secondarily with all other browser software, since Microsoft and Windows dominate the online and computer marketplace. (When you click the following two links, you will be leaving the credit union web site.) |
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Online Banking. . . Getting Started
(Revised 5-15-2012)A) Contact Member Services to obtain a temporary password/PIN.
B) Go to our web site: www.stcloudfcu.coop
C) Under e-Branch, click Online Banking & Bill Pay.
- On the Online Banking login screen, click the link that reads “If this is your first time logging in to Online Banking, or you have not completed your Security setup, please click here.”
- Follow the prompts.
- You will be promoted to change your password. The requirements are: 8 to 10 characters, with at least one capital letter, one lowercase letter, one number, and one special character such as $ % etc.
- Type the Random Code displayed. Click Next.
- Select or write three Security (Challenge) Questions and answers. Record your answers! Click Next.
- Type a Security Key/Word (Any characters of your choice. Do not use your Member Number or Password or any other private information as your Security Key.)
- Type your email address. Click Finished. You can change any of your personal options any time in Online Banking.
D) After you have set up your login procedures, you can log in to Online Banking at www.stcloudfcu.coop, under eBranch > Online Banking & Bill Pay. If you ever see a Security Key image on this screen that is different than the one you created, you will know that you are not on the credit union site.
Mobile Banking. . .Getting Started
Use the same password for Mobile Banking and Online Banking.
Features: Some features may not be available on certain types of mobile devices. Select MENU button for options.
- Display current balances and histories of accounts.
- Create/view Account Alerts.
- Transfer between acccounts.
- Use Budgeting feature.
A brief overview of most Online Banking features:
Use the HELP feature in Online Banking for details.
ACCOUNTS > Account Alerts: Monitor your accounts 24/7. We HIGHLY RECOMMEND that members use this free service. Receive automatic alerts by text or email.
ACCOUNTS > Balances: Hovering over a Loan ID allows you to print a Loan Coupon if you need one.
ACCOUNTS > Download: Export account data in Quicken and other formats.
ACCOUNTS > Financial Management: A simple way to manage and monitor your budget.
ACCOUNTS > History: View history of account transactions. Select “Advanced History” for more options.
ACCOUNTS > Year-to-Date: View year-to-date interest earned (savings) and/or paid (loans).
CHECK SERVICES: Includes option to view information on specific checks.
TRANSFER: Make transfers between your accounts or to another Member’s accounts.
BILL PAY: Use our free online Bill Payer service to schedule all your bills, one-time or recurring payments.
E-STATEMENTS: View your online account statements. Note: Use Account History in Online Banking to view up-to-the-minute account transaction details.
OPTIONS: Includes a number of options to customize Online Banking. Be sure to review them all.
OPTIONS > Secure Login Download: Allows you to log in using only your Password/PIN, via a desktop icon.
APPLICATIONS > Apply for Loans, Open Sub-Accounts.
HELP: Provides in-context help.
Online Bill Payer . . . Getting Started
(Revised 10-22-2010)
Online Bill Payer is accessed through Online Banking.
A) Go to our website: www.stcloudfcu.coop
B) Under e-Branch, select Online Banking.
C) After logging in to Online Banking, click Bill Pay.
D) Enter your email address when prompted.
Billing Due Dates: Bill Payer may need a lead time of 2 to 6 business days to pay your bills, from the date you tell the system to make the payments.
Payments are made to your payees by check or by ACH (electronic). As you enter each Payee, you will be informed immediately whether that Payee will be paid by ACH or by check. And even if it’s a check payment, it could be converted to ACH after the first payment is processed. So schedule your first check payments at least 6 days before the bill’s due date, to avoid a late payment.
eStatements . . . Getting Started
(Revised 10-22-2010)
A) Go to our website: www.stcloudfcu.coop
B) Under e-Branch, click e-Statements.
C) On the eStatement Menu page, click on “Click here to Enroll in e-Statements”.
D) Step 1 of 3: Enter your Member Number in the box for “Enter Your Account Number”. Click Continue.
E) Step 2 of 3 - e-Statement Enrollment Form -- Complete the required fields.
F) Step 3 of 3: Review the Agreement at the bottom of the page. Click “I Agree”.
e-Statements: Helpful Hints
- Single Sign-on to e-Statements: After you enroll in e-Statements, the easiest way to access them is by logging in to Online Banking.
- Password/PIN: You may change your password/PIN any time.
- Balancing Your Checking Account: You’ll find that it’s much easier to use Online Banking to help you balance your checking account than by using your monthly statements. Online Banking displays your transactions to-date. Your e-Statement displays transactions only once a month, up to the last cut-off date, at or near month-end. Online Banking even features a checking register that automatically updates as you balance your account onscreen.
- e-Statements:This service displays your account statements for up to fifteen months, starting with the next statement after you complete your enrollment in e-Statements. Transactions in Online Banking are stored for approximately two years.
MasterCard Online . . . Getting Started
(Revised 5-15-2012)A) To enroll, go to our web site: www.stcloudfcu.coop
B) Click on MasterCard Online.
C) On the ATIRAcredit home page, click the My Account button and follow the prompts.
(320) 252.2634 or 1.888.252.2634
3030 First Street South, St. Cloud MN 56301
1716 Pine Cone Road South, Sartell MN 56377
