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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