Online Banking - Questions & Answers
Important Online Banking Tips
Single Sign-On
"Single Sign-on" means you enter your user name and password once to
log in to Online Banking. Once you're in Online Banking, you simply click a link
to enter the Bill Payer or e-Statements web sites, without using another username
or password.
ACCOUNT ALERTS and SCHEDULED TRANSFERS:
Account Alerts automatically notify you about changes in your accounts, based
on the Account Alerts you set up in Online Banking. You have the option of
receiving your alerts by email or by Text Message. See more details
at the bottom of this page.
__ The email address you will receive these notices from is ibalerts@cavion.com.
__ Be sure that your email service does not block this address.
__ Also make sure these notices don't end up in your email's Junk folder.
Joint Account History & Nicknames
If you are a joint signer on other people's Credit Union accounts, those accounts
will also be displayed in Online Banking. Those joint accounts will probably
be listed on the same page as your other accounts, and they will most likely
have the same account titles as your own accounts.
To tell the difference between the accounts, we recommend the following:
- First, identify the accounts - it might be easiest to identify them by dollar balance.
- Then, rename the accounts using the User Options/Account Nickname feature in Online Banking. These custom nicknames are displayed only in Online Banking.
Key Features of Online Banking
Single Sign-On
Single Sign-on allows you to log in to multiple online services with one user
name and password, including Online Banking, Bill Payer, and e-Statements,
and future services.
Account Alerts
Account Alerts notify you by email or by Text Message when transactions and
other events occur on your accounts, based on the way you set up the alerts.
Account Alerts can really help you keep track of what's happening in your
accounts real-time, as soon as transactions and other events occur! See details
below.
Scheduled Transfers
Set up automatic recurring transfers between your accounts.
Reminders
Set up custom reminders of any type and receive email or text notices.
Calendar
This handy feature allows you to monitor account transactions on a daily basis.
Help Option
We recommend that you use the HELP option on the Main Menu in Online Banking,
as well as the new Just Ask option, to learn more about each feature.
Detailed Information
Account Alerts in Online Banking
Keep Informed of the Status of Your AccountsAccount Alerts can notify you:
When an account balance reaches
a certain dollar amount, or goes over or under a certain balance that
you specify.
When a wide range of specific transactions occur on one or more
accounts, such as:
- Alert you a specified number of days before a loan payment is due.
- Alert you when the available balance on your line of credit is above, below, or equal to an amount you specify.
- Alert you when the next withdrawal or deposit is made on your account.
- Alert you when an account transaction of any type is made that is equal to, more than, or less than an amount you specify.
- Alert you with emailed text reminders on dates of your choice. For example, Online Banking could remind you on November 1st that Mom's birthday is November 8.
- If you often need to call the Credit Union to find out if a deposit has been made, or a check has cleared, you can instruct Online Banking to automatically send you a message when it happens.
For more information, contact Member Services at the Credit Union.
Phone: 320-252-2634
Email: info@stcloudfcu.coop
(320) 252.2634 or 1.888.252.2634
3030 First Street South, St. Cloud MN 56301
1716 Pine Cone Road South, Sartell MN 56377
