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 General Information Q: What is Internet Account Access?
A: Internet Account Access is a service that provides convenient access to account information and account transactions via the Internet. United Services Credit Union members everywhere will have the convenience of conducting their United Services Credit Union account transactions 24 hours a day, 7 days a week, 365 days a year.
Q: Who can use Internet Account Access?
A: Any United Services Credit Union member can access their account online using Internet Account Access. You must have an account with United Services Credit Union in order to access this free service. To see if you are eligible for membership, go to our membership information page: (http://www.us-cu.org)
Q: Who can become a member of United Services Credit Union?
A: Membership is open to all employees of any medical facility or medically related group in the Asheville area and surrounding counties of Western North Carolina, any of our direct sponsors, or if you are a family member of a member of USCU.
Q: How do I sign-up for Internet Account Access?
A: United Services Credit Union members can get information on how to sign up for PCU by contacting member services at 828-255-0809, press 0, and notify them that you want to sign up for Internet Account Access. If you are not a member, let the member services representative know that you are interested in membership as well as signing up for Internet Account Access.
Q: What can I do with Internet Account Access?
A: Here’s a list of things you can do with Internet Account Access:
Q: How much is this service?
A: United Services Credit Union will offer Internet Account Access to members at no charge. However, your Internet Service Provider will charge a fee for your Internet Access.
Q: Is their Online Help for Internet Account Access questions?
A: Yes, you can submit an email notification (uscu@us-cu.org), or you can call 828-255-0809, and press 0, for Member Services.
Connectivity Q: Do I need software from United Services Credit Union?
A: You will need the following:
Q: Do I need to own a computer to use this service?
A: No. You can use any computer that has Internet connectivity. You can use your computer at work, a laptop computer, etc.
Q: Can I use my company’s Intranet to use Internet Account Access?
A: See your PC/Network administrator regarding company policy and Internet access.
Q: Can I use my Macintosh with Internet Account Access?
A: Yes. Your Macintosh will need capabilities for Internet connectivity.
Q: How do I get Internet access on my computer so I can use Internet Account Access?
A: Listed below are ways to obtain Internet access:
Subscribe to an online service such as America Online, CompuServe or MSN.
Subscribe to an Internet Service Provider
If you have a computer at work, check with PC/Network administrator for
company policies regarding Internet access.
Q: Will I be able to download account history into Excel or MS Money?
A: You can download your account information into Excel, or MS Money. You also have the ability to print your account information from your PC.
Q: Can I connect to Internet Account Access using Web TV?
A: Web TV currently has some compatibility issues with sites that use frames and JavaScript. This can cause Internet Account Access sessions to disconnect prematurely. At this time, we do NOT recommend using Web TV to access your accounts via Internet Account Access.
Q: If I have more questions about Internet Account Access, whom can I contact?
A: If you have more questions contact Member Services at 828-255-0809, press 0, or submit an email notification at: (uscu@us-cu.org).
Q: Is the Internet safe and secure to use Internet Account Access?
A: At United Services Credit Union, security is extremely important. Internet Account Access requires a web browser, such as Netscape 4.7 or Microsoft ®Internet Explorer 5.0 because of their built-in security encryption features. If you have an earlier version of these browsers that does not have the security features required you may have trouble being able to login to Internet Account Access.
Q: What level of browser encryption is recommended?
A: A Web browser capable of 128-bit encryption is recommended, although, 40- bit and 56-bit encryption are more than adequate to conduct secure, online transactions. Note: International standards only allow for 40-bit encryption.
Q: How do I check the level of encryption and security that my browser has?
A: In Netscape, go to a secure page then click on View in the main menu, then on page Info. The level of encryption should be shown under Security.
In Internet Explorer, go to Help then About Internet Explorer. Some information will appear, including Cipher Strength (encryption level). To determine the security of a Web page within a frame, use the right mouse button to click inside the frame, click Properties on the menu that appears.
Q: Can I use Internet Account Access from outside the U.S.?
A: Internet Account Access can be used anywhere you have Internet connectivity.
Q: Why does the security symbol (lock) disappear from my Internet Explorer browser?
A: The fact that the padlock symbol does not display is a known problem with certain versions of Microsoft’s Internet Explorer browser and is currently being addressed by Microsoft. The padlock symbol that appears at the bottom of the login page of Internet Account Access confirms that page is in a secured environment. Once you login to Internet Account Access using certain versions of Internet Explorer, the padlock is no longer visible, even though the sessions are full secured. Newer versions of the Internet Explorer browser should fix this Microsoft issue. Also, you may need to check your security settings in the Internet Control Panel of your computer. If you see the https:// in the web address, you are in a secure session. Alternatively, the Netscape browser does not display this behavior. To ensure the highest level of security available, load the latest version of your web browser.
Q: Are there any security guidelines for Internet Account Access?
A: Yes, You should observe the following security guidelines:
Q: Will Internet Account Access automatically close my session if I forget to exit?
A: Yes, Internet Account Access will automatically close your session and disconnect you after a period of inactivity.
Q: Why does the Internet Explorer browser give me a script error on my Macintosh when I exit Internet Account Access?
A: Some versions of Microsoft’s Internet Explorer browser display a script error on Macintosh computers when the exit button is clicked in Internet Account Access. This is inherent in the Microsoft Product, and you can click "ok" to by-pass the message box. We have tested this function to be sure that no errors are actually occurring in Internet Account Access. Newer versions of the Internet Explorer should fix this Microsoft issue. Alternatively, the Netscape does not display this behavior.
Q: If I have an earlier version of America Online [AOL], do I have to upgrade to AOL 4.0?
A: It is recommended that you use AOL 5.0, but earlier versions may also work with Internet Account Access. Check with AOL to get the latest version of AOL.
Q: How can I use another browser with America OnLine [AOL]?
A: AOL can be used as the method of connecting to the Internet [like an Internet Service Provider], while viewing your information with a separate browser. This allows you the flexibility of taking advantage of new features of recommended browsers like Netscape and Internet Explorer. Check with AOL to get the latest information regarding this.
Q: If someone knows my Social Security number, can they access my accounts using Internet Account Access?
A: No. You are the only one that can access your account through Internet Account Access if you are enrolled for Internet Account Access, and know the PIN to log in. Someone must know your PIN number to gain access to your account. This is why we recommend keeping your PIN number private and changing it often.
Q: How long will it take for Internet Account Access transactions to post?
A: Internet Account Access transactions will post by the next business day. In rare circumstance, when United Services Credit Union is conducting upgrades or maintenance, your transactions will be held to post at a later time.
Q: Can I access my United Services Credit Union VISA information, and make payments using Internet Account Access?
A: You can check your United Services Credit Union credit card balance by going to our Links page at (http://www.us-cu.org), and selecting the Online Visa Bill Pay link. For first time users, you must enroll for Visa Online Services, and once completed you will have full access to your United Services Credit Union Visa account. Online Visa Bill Pay will enable you to pay your USCU Visa Card payments online using any financial institution account that you choose.
Q: If I enter an incorrect PIN, will the system block access to the account?
A: Yes. If you enter the incorrect PIN three times, your account will be blocked from Internet Account Access. You will need to call 828-255-0809, and press 0 to speak to a Member Services Representative.
Q: Can I pay bills with Internet Account Access?
A: Not at this time.
Q: Can I submit Loan Applications online?
A: You can submit a loan application from our web page by going to our "Loan Application" page and completing the application.
Q: Do I get a lower rate if I submit a loan application online?
A: NO.
Q: How long does it take to get an answer from my online loan application?
A: Usually, within 24 hours if submitted during normal business hours. Response will be on next business day if submitted over the weekend.
ATM/CHECK CARD Q: Is there a fee for using my card?
A: Possible charges for ATM usage; NO charges for Check card transactions.
Q: Why do I have limits on my cards?
A: For security reasons.
Q: Why do I have holds on my account when I use my Check card?
A: They are placed by the vendors.
Q: Can I have my card in my business name?
A: No, for security reasons.
Q: Can I have my card mailed to a different address?
A: No, for security reasons.
Q: I applied for a check card. Why did I only get an ATM card?
A: Current technology does not allow Us to be online. This is presently being reviewed.
Q: How long will it be before I receive my card?
A: 5-7 Business days.
Q: Why can’t I choose my pin #?
A: For security reasons, the vendor does not allow this.
Q: I applied for my card over a month ago. Why have I not received it?
A:
Q: Why didn’t my check card work when I tried to use it?
A:
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