Home Banking

Click below for answers to frequently asked questions about
Home Banking:

Getting Started
Q1. What is Home Banking?
Q2. What can I do with Home Banking?
Q3. What is Home Bill Payer?
Q4. How much does Home Banking cost?
Q5. Can I use Quicken® or Microsoft Money® with Home Banking?
Q6. What do I need to enroll for Home Banking?
Q7. Can I begin using Home Banking immediately?
Q8. How do I enroll?
Q9. What if I forget my Home Banking password?
Q10. What if I don't know my member number?
Q11. What account services can I do online?
Q12. Can I reorder checks online?
Q13. How do I change my password?
Q14. How do I contact SBSEFCU with a question?

Account Access
Q15. Which of my personal accounts can I view?
Q16.Can I view my mortgage through Home?
Q17. Can I view my loans through Home?
Q18. What account information can I view?

Transferring Funds
Q19. What personal accounts can I transfer between?
Q20. When will my funds become available when I transfer funds?

Home Bill Payer
Q21. What is Home Bill Payer?
Q22. Who can I pay with Home Bill Payer?
Q23. When can I begin using Home Bill Payer?
Q24. Can I set up automatic payments?
Q25. How long does it take for a payment to reach my payee?
Q26. How much does Home Bill Payer cost?

Trouble Shooting
Q27. What should I do if I get an error message?
Q28. Who should I contact if I get an error message?

Technical Support
Q29. How can I determine my browser version?
Q30. What are cookies?
Q31. What are the minimum browser requirements for Home Banking?
Q32. Unable to login to Home Banking?
Q33. How do I download Files to Financial Software?

Security
Q34. What security measures does Home Banking use?
Q35.Is Home Banking secure?
Q36. What does SSL mean?

Getting Started

Q1. What is Home Banking?
A. Home Banking is an Internet-based service that provides you a safe and convenient way to do your banking, 24 hours-a-day, 7 days a week. With Home Banking, you can view your account balances, transfer funds, receive and pay bills, view cleared checks and more.

Q2. What can I do with Home Banking?
A. 1. View current account balances of your deposits and loans
2. View your transaction history on your deposits and loans
3. View cleared checks
4. Pay bills online
5. Transfer funds between share and share draft accounts.

Q3. What is Home Bill Payer?
A. Home Bill Payer is a free feature of Home Banking that allows you to pay your bills online.

Q4. How much does Home Banking cost?
A. Home Banking, including Home Bill Payer, is free of a monthly service charge.

Q5. Can I use Quicken® or Microsoft Money® with Home Banking?
A. Absolutely!

Q6. What do I need to enroll for Home Banking?
A. 1. Share or Loan with SBSEFCU
2. Internet Access

For Home Bill Payer you will also need:
1. A SBSEFCU share draft account
2. Copies of your paper bills to begin adding payees

Q7. Can I begin using Home Banking immediately?
A. Yes.

Q8. How do I enroll?
A. Enroll online. You will need to know your Member Telephone Service (MTS) access code and your member number. If, you do not know your MTS access code or your member number, call us at 909-882-2911.

Q9. What if I forget my Home Banking password?
A. Click on Forgot my Password.

Q10. What if I don’t know my member number?
A. Call us at 909-882-2911

Q11. What account services can I do online?
A. 1. Reorder checks
2. Print cleared check images
3. Pay your bills online
4. Download account information
5. Locate an ATM
6. Download forms and applications

Q12. Can I reorder checks online?
A. Yes, you can re-order checks by selecting the E-Services Menu and selecting the option re-order checks.

Q13. How do I change my password?
A. Logon to Home Banking and select the, User Options button, then select the Change Password selection from the menu.

Q14. How do I contact SBSEFCU with a question?
A. 1. E-mail
2. Call us, 909-882-2911
3. Visit us, 2441 N. Sierra Way, San Bernardino, CA 92405

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Account Access

Q15. Which of my personal accounts can I view?
A. You can view the following personal accounts with Home:
1. Share Draft Accounts
2. Money Market Accounts
3. Share Accounts
4. Term Share Accounts
5. IRA Accounts

Q16. Can I view my mortgage through Home banking?
A. At this time, it is not possible to view your mortgage information on Home banking.

Q17. Can I view my loans through Home?
A. Yes. You can view all of your SBSEFCU loans online, with the exception of your mortgage account.

Q18. What account information can I view?
A. 1. View current account balances of your deposits and loans
2. View your transaction history on your deposits and loans
3. View cleared checks

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Transferring Funds

Q19. What personal accounts can I transfer between?
A. 1. Share Draft Accounts
2. Money Market Accounts
3. Share Accounts
4. Term Share Accounts

Q20. When will my funds become available when I transfer funds?
A. Immediately.

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Home Bill Payer

Q21. What is Home Bill Payer?
A. Home Bill Payer is a free service of Home Banking that allows you to pay your bills online.

Q22. Who can I pay with Home Bill Payer?
A. You can pay any individual or business you currently pay by check.

Q23. When can I begin using Home Bill Payer?
A. You can begin using Home Bill Payer immediately.

Q24. Can I set up automatic payments?
A. Yes, you can schedule payments that you make on a regular basis for the same amount to be made automatically.

Q25. How long does it take for a payment to reach my payee?
A. We recommend scheduling your payments at least 7 business days in advance of the due date.

Q26. How much does Home Bill Payer cost?
A. It is free.

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Trouble Shooting
Q27. What should I do if I get an error message?
A. When experiencing an error message, try the following:

1. Close the browser.
2. Retry.
3. Delete the Cache, Reload, or Refresh.

If you continue to receive the error message, contact SBSEFCU.

Q28. Who should I contact if I get an error message?
A. Contact SBSEFCU by email or call 909 882-2911. To show SBSEFCU the exact error message that you are receiving, display the error message on your screen then press ALT+Print Screen on your computer's keyboard. This will transfer the image to your clipboard. Open your Word Processor and paste the selection. You can save this file and email it to SBSEFCU for support.

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Technical Support
Q29. How can I determine my browser version?
A. In Netscape®:

1. Click on Help.
2. Click on About Netscape® Communicator.
3. Click here to upgrade to newest version of Netscape

B. In Microsoft® Internet Explorer:

1. Click on Help.
2. Click on About Microsoft® Internet Explorer.
3. Click here to upgrade to newest version of Explorer

C. In America Online's Web Browser:

1. Click on Help.
2. Click on About America Online.

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Q30. What are cookies?
A. A "cookie" is a small piece of information (a text file), which a web server can store temporarily with a web browser. Once the cookie is stored, the site's web server can later retrieve that information for that browser.

For example, when a person browses through an "online shopping mall" and adds items to a "shopping cart" while continuing to shop, your browser stores a list of the items that have been added to the cart so that the user can pay for all of the items at once when he is finished shopping. It's much more efficient for each browser to keep track of information like this than have web server remember who bought what, especially if there are thousands of people using the web server.

When browsing the web, any cookies that are sent to a browser are stored in the computer's memory. When the browser is closed, any cookies that haven't expired are written to a cookie file so they can be reloaded next time the browser is used.

Online banking uses a different kind of cookie known as a session cookie, a non-persistent cookie, or a pre-expired cookie. These cookies are placed temporarily and are never stored to the user's computer memory. Instead, these pre-expired cookies are used as part of the stringent security measures in the Internet Banking product. As the end user navigates through Internet Banking a pre-expired cookie is set each time a page is viewed. Because the HTML page they are viewing is not "cached", it must always be re-retrieved from the server.

The pre-expired cookies keep the session alive until the end user logs out properly or times out of Internet Banking. Once this occurs, the end user must login with their User ID and Password to gain access again. This ensures that another user using the same computer cannot access the previous session.

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Q31. What are the minimum browser requirements for Home Banking?
A. PC Operating System Supported Browsers:

Microsoft© Windows 98,
Microsoft© Windows NT 4.0
Microsoft© Windows 2000
Microsoft© Windows XP
Microsoft© Windows ME
Microsoft© Internet Explorer 5.5
Microsoft© Internet Explorer 6.0

Netscape© Navigator 7.0
Netscape© Navigator 5.0
Netscape© Navigator 4.7

America Online© 8.0
America Online© 7.0
America Online© 6.0

B. Mac Operating System Supported Browsers:

Microsoft© Internet Explorer 5.0
Netscape© Navigator 4.7
America Online© 5.0

C. Web TV not supported on any browser version

D. Be sure to select a supported version when downloading at the following locations:

Microsoft©Internet Explorer Download:
http://www.microsoft.com/windows/ie/default.asp

Netscape© Navigator Download:
http://wp.netscape.com/download/

America Online© Download:
http://www.aol.com or AOL Keyword: upgrade

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E. Browser Settings:
1. Internet Explorer 5.0 Settings
Browser Settings:

• Click on Tools.
• Select Internet Options.
• Click on the tab marked "ADVANCE".
• To enable Java under Java VM make sure Java JIT compiler enabled checkbox is selected.
• Under Security make sure the checkbox for "Do not save encrypted pages to disk" is blank.
• Click on the tab marked "SECURITY".
• Click on the button marked "CUSTOM LEVEL".
• Under Java make sure the radio button is set to Medium Safety.
• Under Scripting of Java applets make sure the radio button is set to Enable.
• Under Cookies: Allow per-session cookies (not stored) make sure the radio button is set to Enable.
• Under Cookies: Allow cookies that are store on your computer make sure the radio button is set to Enable.
• Click on OK until exited completely from options.

Deleting Temporary Internet Files:

• Click on TOOLS.
• Select Internet OPTIONS.
• Under the heading Temporary Internet Files click on the button DELETE FILES.
• Click on OK until exited completely from options.

Deleting Cookies:

• Double-click on the C: drive.
• Double-click on the WINDOWS folder.
• Double-click on the COOKIES folder.
• Click on EDIT.
• Click on SELECT ALL.
• Click on DELETE.

Removing Saved Passwords:

• Click on TOOLS.
• Select Internet OPTIONS.
• Click on the tab marked "CONTENT".
• Click on the button marked "AUTOCOMPLETE".
• Click on the button marked "CLEAR PASSWORDS".
• Click on OK until exited completely from options.

2.. Internet Explorer 5.5 Settings
Browser Settings:

• Click on Tools.
• Select Internet Options.
• Click on the tab marked "ADVANCE".
• To enable Java under Java VM make sure Java JIT compiler enabled checkbox is selected.
• Under Security make sure the checkbox for "Do not save encrypted pages to disk" is blank.
• Click on the tab marked "SECURITY".
• Click on the button marked "CUSTOM LEVEL".
• Under Java make sure the radio button is set to Medium Safety.
• Under Scripting of Java applets make sure the radio button is set to Enable.
• Under Cookies: Allow per-session cookies (not stored) make sure the radio button is set to Enable.
• Under Cookies: Allow cookies that are store on your computer make sure the radio button is set to Enable.
• Click on OK until exited completely from options.

Deleting Temporary Internet Files:

• Click on TOOLS.
• Select Internet OPTIONS.
• Under the heading Temporary Internet Files click on the button DELETE FILES.
• Click on OK until exited completely from options.

Deleting Cookies

• Double-click on the C: drive.
• Double-click on the WINDOWS folder.
• Double-click on the COOKIES folder.
• Click on EDIT.
• Click on SELECT ALL.
• Click on DELETE.

Cookies

• Click on TOOLS.
• Select INTERNET OPTIONS.
• Click the PRIVACY tab.
• Click on the ADVANCED tab.
• Put a check mark next to "Override Automatic Cookie Handling".
• Select ACCEPT for "First-Party Cookies" and "Third Party Cookies".
• Put a check mark next to "Always Allow Session Cookies".

Security

• Click on TOOLS.
• Select INTERNET OPTIONS.
• Click on the SECURITY tab.
• Set the Security Level for the Internet Zone to MEDIUM.
• Click on the PRIVACY tab.
• Set the Privacy Setting to MEDIUM.
• Click OK and then click on the button marked "Custom Level"
• Under Java Permissions make sure the radio button is set to Medium Safety.
• Under Scripting of Java Applets make sure the radio button is set to ENABLE.
• Under Cookies: Allow per-session cookies (not stored) make sure the radio button is set to Enable.
• Under Cookies: Allow cookies that are store on your computer make sure the radio button is set to Enable.
• Click OK and go to the ADVANCED tab.
• Under The Microsoft VM section, check the box next to "JIT compiler for virtual machine enabled (requires restart)"
• Under Security make sure the checkbox for "Do not save encrypted pages to disk" is blank.
• Under the Security Section, check "Use SSL 2.0 and SSL 3.0".
• Click on OK until exited completely from options.

Deleting All Temporary Internet Files:

• Click on TOOLS.
• Select Internet OPTIONS.
• Under the heading Temporary Internet Files click on the button DELETE FILES.
• Click on OK until exited completely from options.

Deleting Cookies Only:

• Click on TOOLS.
• Select Internet OPTIONS.
• Under the heading Temporary Internet Files click on the button DELETE COOKIES.
• Click on OK until exited completely from options.

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• On the Settings menu on the AOL toolbar, click Preferences.
• In the Organization section of the Preferences window, click Internet Properties (WWW).
• In the Temporary Internet Files section, click Delete Files.
• Click OK.

Enabling JavaScript (This is done from your Desktop, not inside the browser)

• Click on Start.
• Click on Settings.
• Choose Control Panel.
• Click on the "INTERNET" icon.
• Click on the tab marked "ADVANCED".
• Under Security make sure the checkbox for "Do not save encrypted pages to disk" is blank.
• Under Cookies make sure the radio button is set to Always accept cookies.
• To enable Java under Java VM make sure Java JIT compiler enabled checkbox is selected.
• Click on OK until you're back out of the options menu.
• Browser Settings
• The AOL browser, including AOL 7.0, does not require any special configuration to work with Internet Banking. It should be set with default (installed) settings. Also, if your AOL Browser does not support Internet Banking, you can also connect to AOL, then launch another browsers, such as Internet Explorer 6.0 to access Internet Banking.

5. Netscape Settings
Browser Settings

• Click on EDIT.
• Select PREFERENCES.
• Double click on ADVANCE.
• Make sure the checkbox for ENABLE JAVA and ENABLE JAVASCRIPT are selected.
• Make sure the radio button box for ACCEPT ALL COOKIES is selected.
• Click on OK until exited completely from preferences.

Deleting Cache

• Click on EDIT.
• Select PREFERENCES.
• Double click on ADVANCE.
• Click on CACHE.
• Click on the button marked CLEAR MEMORY CACHE.
• Click on OK.
• Click on the button marked CLEAR DISK CACHE.
• Click on OK.
• Click on OK until exited completely from preferences.

Deleting Cookies

• From your Windows Start Menu, go to the FIND option.
• Click on FILES OR FOLDERS
• Type cookies.txt in the Name field. Click on FIND NOW.
• A file named cookies.txt file in the Netscape folder will appear.
• Delete the file.

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Q32. I am unable to login to Home Banking. What should I do?
A. If you can view the other areas of our Web site, but are unable to access Home Banking, it may indicate a problem accessing all secured Web sites. Both your browser and Internet service provider must support secured sites.

This Web site is designed for Netscape® 4.51 or greater or Microsoft ® Internet Explorer 4.0 or greater or Macintosh. Using other browsers may cause the Web pages to appear misaligned and prevent access to Internet Banking.

IMPORTANT: It is highly recommended that the newer browsers be used to access Internet Banking.

If you are using one of the browsers mentioned above and are still experiencing a problem, the problem may lie with the Internet service provider. This is particularly common with employer-based access to the Internet. Your employer may have firewalls, proxy servers, or other equipment that may prevent access to secured sites. Contact your Data Processing Department regarding the problem or try to access Internet Banking from another location.

IMPORTANT: When reporting problems to your financial institution, have as much information ready as possible (e.g., browser version, etc.).

Receiving the following message after logging in successfully will stop all further processing and/or access to any portion of Internet Banking during this session: "Internet Account Access Session Error."

Return to the log-in screen to start a new session. This error indicates that you did not accept one or more cookies. In order to enter the secured encrypted site you must accept the cookies. Since there are several within Internet Account Access, it is suggested that you disable the cookie alert within your browser while viewing account information

IMPORTANT: If you are prompted with a dialog box that asks you to re-enter your password, (after initially entering your member number and Internet Banking password), your browser may not support JavaScriptTM, or JavaScriptTM may not be enabled. An upgrade to Netscape® 4.51 or greater or Microsoft® Internet Explorer 4.0 or greater may be necessary.

Go to Microsoft's Web site to download Internet Explorer or to Netscape's Web site to download Communicator. If you already have one of these browsers, the "Enable JavaScript" function may be disabled.

To enable JavaScriptTM in Netscape ® Communicator 4.51 & up:
From the Edit menu, select Preferences.
Click on Advanced
Verify that the "Enable JavaScript" checkbox is selected.

To enable JavaScriptTM in Microsoft ® Internet Explorer 4.0:
Click on View.
Click on Internet Options.
Click on Security.
Click on the Enable Java programs checkbox.
Click on the Advanced tab.
Click on the Enable Java JIT Compiler.

To enable JavaScriptTM in Microsoft ® Internet Explorer 5.0:
From the Tools menu, click on Internet Options.
Click on the "ADVANCED" tab.
To enable Java, verify that the Enable Java and Enable JavaScript boxes are selected.
Click on the tab marked "SECURITY".
Click on the button marked "CUSTOM LEVEL".
Under Java make sure the radio button is set to Medium Safety.
Under Scripting of Java applets make sure the radio button is set to Enable.

Under Cookies: Allow per-session cookies (not stored) make sure the radio button is set to Enable.
Under Cookies: Allow cookies that are stored on your computer make sure the radio button is set to Enable.
Click on OK until exited completely from options.

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Q33. How can I download Files to Financial Software?
A. To search for help with Quicken, visit the Intuit web site at http://www.intuit.com/support/

To search for help with Microsoft Money, visit http://www.microsoft.com/money/default.htm.

Importing to Money 2000
Go to Account Access and click on Export.
Choose the source account and the date range you wish to download.
Choose Money OFC as the export format.
A screen will pop up. You want to choose "Save it to disk"
Choose the location to save and create a name for the downloaded file. Then click Save.

NOTE: Remember where you save this file on your PC.

To import the file, open Money 2000.
Click on "File"
Then Click on "Import"
Now, you need to locate where you saved the downloaded file. To do this, click on the file. When you do this, the file should appear on the bottom where it says "File Name:"
Then click on import. *

* If you receive an error that states that the file format is invalid, follow these steps:

Go to the Windows Start Menu (lower left hand corner of your desktop).
Click on "Programs", then go to "Accessories", and then click on "Notepad". This will open up a blank document.
Click on "File" and click on "Open".
Now, locate the downloaded file. Make sure that the "File Type" selected is "All Files."
Click on the file and then on "Open."
The 7th Row of data will have the name and then a list of numbers next to it.
Delete the last number in this row of numbers.
Close the page and save it to the same name. It will ask you if you want to replace the existing file with the same name. Choose Yes. Continue with step 6.

If this does not remedy the problem, contact Microsoft Money Customer Service.

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Security

Q34. What security measures does Home Banking use?
A. Home Banking uses several different methods to protect your information:

All information within Home Banking uses the SSL (Secure Socket Layer) protocol for transferring data. SSL is encryption that creates a secure environment for the information being transferred between your browser and SBSEFCU.

Secure Socket Layer (SSL) protects data in three key ways:
1) Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating SBSEFCU.
2) Encryption scrambles transferred data.
3) Data integrity verifies that the information sent by you to SBSEFCU wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.

Q35. Is Home Banking secure?
A. Yes. SBSEFCU is committed to making Home Banking safe and secure to provide you with peace of mind when you access your account information. To ensure the security of your account information, Home Banking also uses 128-bit SSL encryption.

Q36. What does SSL mean?
A. SSL stands for Secure Socket Layer. This technology allows users to establish sessions with Internet sites that are secure. Once inside the Home Banking site, you are secure through our use of SSL technology.

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