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Once logged in to online banking, you can access many types of information about your account, and conduct different kinds of transactions. Review the following summary of available features to
find out how you can get the most from your online banking experience.
Accounts
This first link at the top left of your screen, when clicked, will provide you with a listing of all accounts under your member number. This includes balances, available balances, last transaction dates,
and the ability to select any given account for transaction history.
From the Accounts screen, you may also choose to open a new account or view cleared checks - these options are available to you at the top left corner of your Accounts screen.
If you click on a particular account to view its transaction history, you can see up to three months of posted transactions. (If you need data from further back, please use the Statements link.)
You can review the date that each transaction posted to your account (if applicable, its original date will be listed in the "Description" column, before the name of the merchant who charged your card).
Any checks that have cleared will be shown here, and you can click "View Check" to see an image copy of any check.
Account history screens will also give you the option, in the top left corner, to download your transactions to Quicken, Microsoft Money, or Excel. Likewise, you may log in to your online banking account
through Quicken or Microsoft Money to download transactions directly as well.
Deposits
This screen shows you a list of any direct deposits made to your accounts within the past three months. You can review the date, depositing company, and amount of each deposit.
Transfers
Use this function to move funds between your accounts (under one member number or to another). Select the sub-accounts you'd like to transfer to and from, then choose how much to transfer. You have the option of
entering a fixed amount, a percentage of your balance, or a particular amount type:
Dividend: transfers the most recent dividend posted to the "from" account
Payoff loan: transfers the entire amount needed to completely pay off your loan (if transferring to a loan account type)
Bring loan to current: transfers enough funds to bring your loan payment current (splitting up principal, interest, and finance charges as necessary)
Pay only over limit amount: transfers enough funds to bring your loan back within its appropriate limit
Pay finance charge: transfers funds to cover any outstanding finance charges
Minimum payment: transfers enough to cover your minimum payment
Under "Alternate Transaction Description," you are given the opportunity to describe this transfer in a more personalized way. This will help you distinguish it from other transfers that may show up
on your statements.
If you select Transfer to Other Member's Account, you'll be asked for a little more information. You will need to know the other party's member number, what account type you'd like
to transfer to, and the first three letters of their last name (or the title of the account).
If you have trouble making a transfer, you may need to double check with the person whose account you are trying to transfer to. They may have told you to transfer to their "checking account," but
depending upon the type of checking they have, this could be an S5 or an S10. It could even be an S10.1, an S5.2, etc., if they have multiple sub-accounts of the same type.
Here is a quick summary of basic account types for your reference:
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Membership Savings: | S1 | |
Special Savings: | S2 | |
Liquid Assets: | S7 | |
Holidy Club Account: | S9 | |
Interest Checking: | S5 | |
Basic Checking: | S10 |
If you still have trouble, you should also double-check that the last name you're using is that of the primary account holder. If this person happens to be joint on the account with another person (who has another last name),
you might try the first three letters of the other party's last name instead. If you're transferring to a business account, you'll need to know how the account is titled. Accounts like
ABC COMPANY or JOHN SMITH DBA ABC COMPANY will actually require the first three letters of the account title.
Confirm your transaction information on the next screen and you're done!
Check Withdrawal
Use this section to withdraw a Coast Central cashier's check made payable to yourself. This check will be mailed to the address you have on file with us so you can deposit or cash it at your
convenience.
Pay Bills
This screen allows you to pay bills from the convenience of your computer. Use it to enter your payees' information and generate Coast Central cashier's checks which will be automatically mailed for you.
Please note that there is a 60-cent fee per bill pay transaction, which covers the cost of postage, materials, and handling.
To add payees, click the "Add Payee" button. Enter their name and mailing address, then under "Your Name and Bill Account Number," you have the option of entering anything you would like to appear
on the memo line of each check. (You have the opportunity to edit this in the future, each time you make a payment.)
Once payees have been added, you can select from your list on the main Pay Bills screen. Click "Pay Bills" to initiate a payment. Next you'll select which account you'd like to draw the funds from,
then the payment amount. You can change your memo line message here also. Review the virtual check on the final screen to make sure all your information is correct, then click "Finish." You're done!
You can also click "Delete Payee" (on your main Pay Bills screen) to remove individual payees from your list. Unfortunately there is no option to edit payees at this time, but we are hoping to make
this available in the future.
Use the alphabetical letter range buttons at the top of your Pay Bills screen to narrow down your payee selection (if you have many to choose from).
Statements
This section allows you to see copies of your statements. At least 18 months of previous Visa and member statement copies will be available to you here. Click "View" next to any individual statement
to view it in a new window.
Please note that these statements are in PDF format so you'll need to have a recent version of Adobe Reader (or another PDF reader) on your computer. If you have trouble viewing your statements,
check your pop-up window settings. You may need to temporarily allow pop-ups, or designate Coast Central (*.coastccu.org) as an "allowed" pop-up site within your settings.
E-Services (E-Statements, E-Letters, & E-Alerts)
This easy, convenient, and environmentally friendly package of services switches you from receiving paper statements to receiving E-Statements. Instead of receiving your statements or other
credit union correspondence in the mail, you'll
receive an email notification that your statement or letter is ready to view online (login to online banking is required for your security).
To sign up, just click the E-Services link at the top of your online banking screen, then enter your email address and agree to the terms and conditions. You'll need to check your email
for a message from Coast Central, which will contain a link to verify your email address. Once you've completed this step, you're done! You'll start receiving statement notifications, and any other
alerts you'd like to set up as well.
One of the greatest parts about switching to E-Services is the ability to set up E-Alerts for your accounts as well. If you'd like to be notified by email (or text message) whenever your balances get low,
when you have an upcoming payment due, or even when a personal event is coming up, E-Alerts can help keep you updated. Use the same link in online banking (E-Services), then click on
"Create New Account Alert." Our system will ask you what kind of alert you'd like to set up and prompt you for the specifications. You can use this same screen to alter your alert settings in the future,
or to delete alerts.
Your recent statements and letters will always show up on this screen. To view E-Alert history for your account, click "Email History" (at the top, next to the "Create New Account Alert" button).
Loans
Use this screen to apply for a consumer loan, or check on the status of an existing application. Click "Apply for a Consumer Loan" and follow the on-screen instructions - when you're finished, one of our Member Loan Services Officers
will process your application. You can expect to hear back within 1-2 business days.
Online applicants do not have to pay the $50.00 loan application fee.
More
This final section of online banking offers four different options:
Tax Info: Find out how much you've earned in dividends, how much you've paid in interest, and other helpful tax information here.
Order Checks: If your previous check order was through Coast Central, you can do a quick reorder here.
Change PIN: Select a new PIN for your online/phone banking login.
Member Information: View the contact information we have on file for you in our system. Currently you will need to contact us in order to make changes to this information.
Security Settings: Alter your current security questions and answers here. You can create new questions, change your security image, or create a login nickname. This may be used in place
of your member number when logging in to online banking.
Log Out
This link will log you out of online banking and return you to the main sign-on screen.
(Click here to return to the Tutorial/FAQ Section)
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