What is CU OnLine?

CU OnLine is an electronic service that gives you secure account access via the Internet 24-hours a day, 7-days a week.

What types of accounts can I view with CU OnLine?

With CU OnLine, you can view all your credit union accounts including checking, savings, share certificates, IRAs, and most loans including lines of credit and mortgages.   Currently your VISA credit card account information is not available online.

What can I do with CU OnLine?

• View account balances
• View complete account history for all accounts for up to 18 months back
• Search for specific drafts
• Make check withdrawals
• Control your own pin and password
• Transfer money between accounts
• Change description of accounts to match your records
• Set up automatic bill payments

How much does CU OnLine cost?

To access your accounts, CU OnLine is free!   However, if you sign up for our Bill Payer service, there is a $5.00 monthly fee that allows you to pay up to 10 bills.  If you have more than 10 bills to pay in a month, it's only $0.40 per bill payment after your initial 10 bills.

How/When will fees be assessed?

Remember that CU OnLine is free!   The monthly fee for Bill Payer of $5.00 or greater will be calculated and posted on the last working day of each month from the member's S4 share draft (Checking).

What kind of computer equipment and software do I need to access CU OnLine?

To access CU OnLine, you do not need a special computer configuration.  All you need is a computer, a modem, Internet access, and one of two supported browsers, either Netscape Navigator 3.0 or higher or Microsoft Internet Explorer 4.0 or higher.

Please read this if you are using Netscape 6.

We recommend the user have at least a 486 processor (Pentium preferred), at least a 28.8 Kbps modem (the faster the better), and either Netscape Navigator 3.0 or Microsoft Internet Explorer 4.0.  These two browsers support 128-bit encryption which is necessary to access CU OnLine.  If you do not have the necessary browser, both are available to download from their respective web sites.

How do I enroll?

You can enroll right now by printing, completing and returning our SIGNUP FORM to the Credit Union.

Once I've enrolled, when can I use CU OnLine?

After you complete the enrollment form, your CU OnLine account will be available 5 to 7 business days after you have mailed your form to us.

How secure is CU OnLine?

For the protection of your confidential data, CU OnLine employs two forms of security beyond your browser's encryption:  Dual Password Protection and Data Encryption. Dual Password Protection requires you to enter a second password, in addition to a four-digit PIN to ensure unauthorized users do not access your account information. Data Encryption is a process which uses SSL (Secure Sockets Layer) that transposes the pin and passwords which are sent from you through our server.  So, your data and activity is secure!

What is encryption exactly?

Encryption is the process of scrambling information by applying a mathematical function in such a way that it is extremely difficult for anyone other than an intended recipient to retrieve the original information.  Central to this process is a mathematical value, called a key, used by the function to scramble the information in a unique and complex way.

Simply put, your information is scrambled before it is sent across the Internet.  If someone were to intercept this information, it would be useless to them.  TruGrocer Federal Credit Union holds the key to scramble and unscramble the information.

What is SSL (Secure Sockets Layer)?

SSL provides an encrypted communication line between a user's browser and the Web site host.  SSL guarantees the authenticity of your Web content, while reliably verifying the identity of users accessing restricted Web sites.  SSL can be implemented using a 40-bit or 128-bit encryption scheme.  The more bits used in the encryption scheme, the greater the encryption and the less chance that data can be intercepted and decoded by criminal individuals.

Therefore, you will need a browser that supports 128-bit encryption, giving you the most security possible.

We have been certified with a Secure certificate from Verisign to communicate with you, the member, with SSL technology. Digital certificates act as a digital ID to ensure that users or computers are authentic.