Online Access Help

Online Access Help



PROBLEMS LOGGING IN?
MOST PEOPLE WILL HAVE NO PROBLEMS LOGGING IN TO OUR HOME BANKING SITE. IF YOU EXPERIENCE PROBLEMS, TRY ONE OF THESE SOLUTIONS. IF YOU STILL CAN'T GET IN, LET US KNOW AND WE WILL INVESTIGATE AND TRY TO HELP OR OFFER ANOTHER SOLUTION.
Internet Explorer 3 or older?
Our home banking site uses a secure digital certificate from Thawte Consulting that identifies us as the owner of this site so your browser will encrypt communications with the internet server.When connecting to the website using an early version of Internet Explorer 3.x for Windows 95 or NT, you may receive an error stating:

The internet site you are trying to view uses a security
certificate that was signed by an unknown authority.
The page cannot be viewed.


This means that the Thawte Root Security Certificate in your browser has expired.

To update the certificate, you will need to go to the Thawte website and obtain the updated SSL certificate for Internet Explorer 3.x. Easy to follow instructions to update your certificate are included on the Thawte page.

Another option is to download a newer browser. This can be done at: Netscape or Internet Explorer download sites. This option will take longer, but you will have an up-do-date browser with all the newer options.

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Using Netscape Navigator 3.x or older
Our home banking site uses a secure digital certificate from Thawte Consulting that identifies us as the owner of this site so your browser will encrypt communications with the internet server.Older Netscape browsers may get a message stating:

The security library has experienced a database error.
You will probably be unable to connect to this site securely.


This means that the Thawte Root Security Certificate in your browser has expired.

Root expiry is a normal part of CA operations - all CA certificates expire. On July 27 1998 the default Navigator 3 Thawte Root Certificate expired. The expiration does not affect other browsers as Thawte has longer-term roots in place for Navigator 4.x and IE 4.x. Because the Thawte root certificates embedded in Navigator 3.x expired in July 1998, all users of these browsers should follow the website's instructions to update the root certificate. It takes 2 minutes and means you won't experience any problems with our home banking site or the thousands of other secure Thawte sites.

Another option is to download a newer browser. This can be done at: Netscape or Internet Explorer download sites.

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AOL Users

We have tested our home banking site using AOL 4.0 and found no problems. However, some users have reported that the 16-bit version will not implement the security technology necessary to enter the site. The 16-bit version is generally used with older Windows operating systems like 3.X.

Normally, AOL users who run Windows95 or higher are using the 32-bit version of AOL and it works fine. Apparently, some people are running the 16-bit version of AOL in Windows95 or higher in order to work around other internal network problems associated with the 32-bit version of AOL. In this case, the 16-bit version may not work. We suggest upgrading to the 32-bit version of AOL.

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Don't allow cookies?
Some browsers allow you to reject cookies from servers. If you don't allow us to set a cookie upon entering the site, you will not be able to log in. The cookie we set contains information we need for security, and allows us to 'time out' your authority to view information. We place the cookie with instructions that it can only be sent to a server in our home banking domain (homecu.net).

A cookie cannot be used to extract data from your system. When a cookie is set, your browser checks it for content, an expiration date, and the domain from which it came. The domain checking means that only homecu.net can access your Internet Banking cookie. We do not distribute your cookie or account information to other companies and we do not store your Access Code, User Id or Password in your cookie.

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Other Reported Problems
Case Sensitive Passwords. All passwords in home banking are case sensitive. Be sure the clock on your PC is correct. If your PC clock is wrong, we may time out your login authority before it even begins!

Don't create a shortcut in IE. You cannot create a shortcut to the home banking pages using Internet Explorer 5.0. Instead, create a shortcut to the page on our site that has the login button.

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Lost or Stolen Cards REPORT LOST OR STOLEN CARDS IMMEDIATELY!
Call your Local LCU branch during normal business hours. If it is after business hours, on a weekend, or holiday call:

1-800-554-8969 for debit cards
Consumer Credit Cards: (800) 558-3424
Business Credit Cards: (866) 552-8855

When calling you need to provide:
  1. Your card number
  2. Birthday of primary account holder
  3. SSN of primary account holder
Cardholders traveling in foreign countries can report their VISA cards lost/stolen and request emergency services by using the Visa Global Customer Assistance Center.

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CREDIT AND DEBIT CARD SECURITY MEASURES
  • Report lost or stolen cards immediately.
  • Sign your card on the signature panel as soon as you receive it.
  • Protect your cards as if they were cash.
  • Don't leave your cards in the glove compartment of your car. An alarmingly high proportion of all card thefts occur in glove compartments.
  • Never write down your PIN - memorize it. Also, never use your PIN as a password.
  • Ensure that you get your card back after every purchase.
  • Make a record of your card account numbers and telephone numbers for reporting lost or stolen cards. Keep that list in a safe place.
  • Always check your billing statement and verify the amounts of your purchases.
  • Never disclose your PIN to anyone. No one from a financial institution, the police, or a merchant should ask for your PIN.
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ATM SAFETY
  • Watch your surroundings If the machine is poorly lit, or in a hidden area, use another ATM.
  • Guard your PIN Keep a lookout for suspicious activity. Always guard your PIN and transaction amount, and immediately cancel your transaction and leave if you see something suspicious.
  • Be safe at the drive-thru When using a drive-through ATM, lock car doors and other windows - when walking up, never leave your car running or unlocked.
  • Take your receipt Always take your receipt. It contains personal information that could be helpful to thieves.
  • Avoid strangers when using an indoor ATM that requires your card to open the door, avoid letting unknown people in with you.
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