Online Account FAQ

Answers to the most frequently asked questions about online account access are listed below. If you have a specific question about your online account access service or if your request requires immediate assistance, you can call us during business hours at (314) 444-8904.

 

What is Online Account?

Home Banking gives you secure Internet access to your credit union accounts, free of a monthly service charge. Use it to access account information such as account balances and transaction activity, search for checks, transfer funds between accounts and order checks.

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What are the system requirements?

Online Account works best with the following system specifications:

Windows
  • Windows 95/98/ME/NT/2000/XP
  • 32 MB RAM (recommended)
  • 800x600 or higher video resolution (recommended)
  • Internet Access (28.8/56 kbps modem, cable modem, DSL, etc.)
  • A browser that supports 128-bit encryption (i.e. Netscape Communicator 4.5+, Netscape Navigator 4.06+, Microsoft Internet Explorer 4.0+)
  • A browser in which "Cookies" are enabled
Macintosh
  • System 7.5.5 or higher
  • 32 MB RAM (recommended)
  • 800x600 or higher video resolution (recommended)
  • Internet Access (56 kbps modem, cable modem, DSL, etc.)
  • A browser that supports 128-bit encryption (i.e. Netscape Communicator 4.5+, Netscape Navigator 4.06+ or Microsoft Internet Explorer 4.5+)
  • A browser in which "Cookies" are enabled

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How do I enroll for online account access?

If you have a Four Four Credit Union account, Click Here to sign up online or Contact Us to request access. To enroll you will need to have:

  • The account number you wish to have access to.
  • The social security number associated with the account

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When can I start using the Online Account system?

After You have enrolled in the program you should be able to access your account that evening.

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What accounts can I access using Online Account?
  • Share Savings
  • Christmas/Vacation Club
  • Share Draft Checking
  • Money Market
  • Share Certificates
  • IRAs
  • ESAs
  • Loans
  • Home Equity Line of Credit

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How much does an Online Account cost?

You can view balances, see if checks have cleared or deposits have posted, transfer funds between accounts and all FREE of a monthly service charge.

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How do funds transfers work?

You can transfer funds to and from your checking, savings. You can not transfer funds from an installment loan or from or into a share certificate or IRA. You cannot transfer funds directly from your overdraft protection account. Funds transfers into loan accounts are credited as payments.

Each transfer made from a line of credit account is treated as an advance from that account and is subject to the terms of the Credit Agreement.

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When are funds transfers processed?

All funds transfers will be processed by the following business day.

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What is the maximum funds transfer I can make between my accounts?

The maximum amount of any one transfer is the lesser of the current available deposit or credit balance in the source account.

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When is Online Account available?

In general, Online Account is available 24 hours/day, 365 days/year.

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How current is the account information that I see on the screen?

The account balance and transaction information is usually current and up-to-date through the previous business day. The credit union updates this information at various points throughout the day.

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What is the difference between the current balance and the available balance for my deposit accounts?

The current balance is the total amount of funds in your account. The available balance is the amount of funds in your account to which you have immediate access.

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What happens if I forget my password?

If you forget your password, you can use the "Forgot Password" link in the Online Account Login box or Contact Us during business hours at (314) 444-8904. We will then reset your password which you should change the first time you log-in.

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Online Account Sign Up
Security Information
Passwords Information
Online Disclosure