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North Jersey Federal Credit Union

  1. What do I need to access Online Banking?
  2. Is the Internet safe and secure for online banking?
  3. Can anyone else see my account information? Is it out in the public?
  4. What if Online Banking goes down? Will my payments be made, will my transfers go through?
  5. How long does it take for a payment to reach my payee?
  6. What type of accounts are included in Online Banking?
  7. Can I have more than one checking account linked to Online Banking?
  8. How current is my transaction information?
  9. Should the payment date I give be the date the payment is actually due?
  10. How soon are the funds actually taken out of my account?
  11. What happens if I don't have enough money in my account to cover a bill payment?
  12. When and how are my payments delivered? How can I ensure that my payee receives my payment on the due date?
  13. Why does it take a few days to process payments?
  14. What should I do if a payee has not posted my payment?
  15. How can I prove payments and transfers were made?
  16. How will the payments be made?
  17. Can I choose the method of payment?
  18. Can my transactions be downloaded and opened using accounting software?
  19. I need to update my contact information. Can I do it through Online Banking?
  20. I want to change my password. Where can I do it?
  21. I want to know when the balance on my account goes below $250. Can I do that?
  22. Where do I pay my bills, check on payment information, set up recurring payments?
  23. I can't remember my password and got locked out of my account.  How do I get it unlocked?
  24. Is there someplace to download the mobile app? Do I create a new logon user ID when I use it the first time?

 

 

Question #1
What do I need to access Online Banking?

 

Answer:
You'll need to be connected to the Internet preferably with a secure connection.  This can include a direct wired, password protected connection or a wireless password protected connection.  The latest updated browser is preferable for your continued online security.  Online Banking can be accessed using your pc, laptop, tablet or smartphone.  You can access Online Banking through the Credit Union’s website, www.NJFCU.org.  On your mobile devices, we strongly encourage that you download the North Jersey FCU mobile app as it was designed for mobile devices.  You can use the following browsers: Microsoft Internet Explorer, Mozilla Firefox, Google Chrome, Apple Safari and Microsoft Windows 10/Edge.

 

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Question #2
Is the Internet safe and secure for online banking?

 

Answer:
Yes. This is a common concern with banking and commerce on the Internet. Data on the Internet is safeguarded by encryption as it moves between systems. This is done using a Secure Socket Layer (SSL) with the data being encrypted for your security. Data residing on a system can only be accessed by using an authorized logon user ID and password.  Any kind of breach in the security of our systems would be a serious business issue for the Credit Union. Our success depends on our ability to manage these systems safely and to continue to earn your trust as our member. Please be assured that we will take every measure possible to protect the financial information and resources you have entrusted to us. You can help safeguard your information and the banking systems by protecting your logon user ID and password. A proper combination of your logon user ID and password is the only way to get access into your account. Please be careful to keep this information secure. You can help safeguard your information and the banking systems by protecting your logon user ID and password. A proper combination of your logon user ID and password is the only way to get access into your account. Please be careful to keep this information secure.

 

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Question #3
Can anyone else see my account information?

 

Answer:
Your online account information is available through access methods which have been rigorously tested for their secure access. The information is not public. Only you can access it using your logon user ID and password.

 

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Question #4
What if Online Banking goes down? Will my payments be made? Will my transfers go through?

 

Answer:
If Online Banking and all of our backup systems were to go down, you can be comfortable that any transaction for which you had already processed, prior to the system going down, will go through. If you were in the middle of a transaction and there is some question as to whether the system has received the request, you may feel free to contact North Jersey FCU to ensure your transaction request has been accepted. Also, relogon to your Online Banking account and look in the Payments tab where Bill Pay is located, to check if the transaction has been completed. There is an extensive Help Center within Bill Pay that can answer many of your questions. Please feel free to call the Credit Union at 973.785.9200 for assistance.

 

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Question #5
How long does it take for a payment to reach my payee?

 

Answer:
Each payment made through Bill Pay, located in the Payments tab, will be processed either by electronic funds transfer or by check. If the payment is made through electronic funds transfer, it may only take a matter of hours for the payment to reach your payee. The calendar next to where you enter your payment amount will let you know the earliest date that the payment can reach your payee. On electronic funds transfers, try to schedule the payment at least one day in advance to assure payment reaches your payee. Payments made by check, however, will be delivered by mail. Delivery could take several days depending on where the payment is to be sent. The safest thing is to always schedule your payments at least seven business days ahead of the date they are due. This will ensure that the payment will be made and processed in time. There is an extensive Help Center within Bill Pay that an answer many of your questions. Please feel free to call the Credit Union at 973.785.9200 for assistance.

 

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Question #6
What type of accounts are included in Online Banking?

 

Answer:
You can access the following types of accounts:
  • Checking
  • Savings
  • Loan
  • CD's/Investment

 

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Question #7
Can I have more than one checking account linked to Online Banking?

 

Answer:
Yes. You can link all of your accounts including more than one checking account to Online Banking. This can be done through the Account Management tab. It may take a few days to see the account in My Account Summary as your request is being verified. If you don’t see the account in a few days, send a message through the Account Management area or call us at 973.785.9200 for further assistance.

 

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Question #8
How current is my transaction information?

 

Answer:
All transactions and balance updates are performed constantly throughout the day. So any transactions you perform throughout the day that change your balance (i.e. deposits, ATM withdrawals), will be reflected almost immediately in Online Banking.

 

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Question #9
Should the payment date I give be the date the payment is actually due?

 

Answer:
Yes and no. Yes if you are paying a bill to an organization that uses electronic funds transfers. The calendar next to the payment box allows you to decide what date you want to pay the bill, including the earliest possible date a bill can be paid through electronic funds transfers. No, if your payment is going to a business that requires a check be sent by mail. For a check to be sent, you should schedule the payment at least seven days prior to the actual due date. Payments are actually initiated (sent to the payee) only on business days. If your payment due date falls on a weekend or a holiday, you should schedule the payment for a business day before the actual due date of the bill.

 

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Question #10
How soon are the funds actually taken out of my account?

 

Answer:
Bill payments are processed exactly as if you had processed the payment yourself. If the payment is made electronically, the funds are withdrawn on the date the transaction is processed. If the payment is made by an online check, the funds will be taken out of your account when your payee deposits the check and the item clears the Credit Union.

 

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Question #11
What happens if I don't have enough money in my account to cover a bill payment?

 

Answer:
If you have opted in for overdraft protection, Courtesy Pay or been approved for Ready Cash, and have sufficient funds to cover the payment, we'll draw against that. Please be aware that fees may apply and will also need to be covered. Otherwise, the payment will be returned for insufficient funds.

 

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Question #12
When and how are my payments delivered? How can I ensure that my payee receives my payment on the due date?

 

Answer:
When you schedule a payment through Bill Pay in the Payments tab, Online Banking warehouses the payment until it is time to process it. The time to process will vary depending on how the payment is to be made and how long it will take to get the payment to the payee. Once the system has determined that it is time to process the payment, the payment is changed to a processing status. The payment is then processed by conducting an electronic funds transfer or a check is produced and made payable to the payee from your account. With payees that have electronic funds transfer, you can schedule the payment for the next business day. When a check is required, it is then sent to the payee via regular mail. With a check, you should schedule the payment at least seven business days before the due date. There is an extensive Help Center within Bill Pay that can answer many of your questions. Please feel free to call the Credit Union at 973.785.9200 for assistance.

 

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Question #13
Why does it take a few days to process payments?

 

Answer:
Although a majority of your payees accept payments electronically, some may not. For those that do not accept electronic payments, we must send a check to that payee through the mail. Once it is received by the payee, it may also take a day or so for that payee to process the check and post it to your account. For those billers who have electronic transfers, the payment will be sent almost instantaneously on a business day. If you are scheduling the bill on the same day it is due, please make sure that you are entering the payment before the cut off time for the payment on the biller’s end.

 

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Question #14
What should I do if a payee has not posted my payment?

 

Answer:
You need to allow a few days for your payee to process your payment. If your payee has not posted the payment to your account after a few days, send an online message to the Payments Member Service (located within the Payments tab), click on the envelope icon in Online Banking to send a message directly to North Jersey Federal Credit Union, call the Payments Member Service which can be reached at 844.850.4155 between the hours of 7:00 AM 1:00 AM ET, 7 days a week, to inquire about the status of the payment or call the Credit Union at 973.785.9200 . Be sure to provide the item's reference number. The reference number is displayed by clicking on the dollar amount of the payment in the Recent Payments box. You can click on the Payment Inquiry link within the Payment Details box to receive an email about the transaction.

 

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Question #15
How can I prove payments and transfers were made?

 

Answer:
With each payment and transfer, you are given a reference number so you know that it was received. In addition, payments and transfers will appear on your transaction register. The transaction register is visible when clicking on the account the payments were made from. You'll also continue to receive your monthly statement from your payee.

 

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Question #16
How will the payments be made?

 

Answer:
We use two methods of payment: Electronic funds transfer sends an electronic credit to your payee and electronically debits your checking account on your scheduled payment date. If a check needs to be sent, the check looks and acts just like one of your personal checks. There is an extensive Help Center within Bill Pay, located in the Payments tab, that can answer many of your questions. Please feel free to call the Credit Union at 973.785.9200 for assistance.

 

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Question #17
Can I choose the method of payment?

 

Answer:
No. Online Banking will process the payment electronically if possible. If not, then an online check is produced. Over time, some payees which did not accept electronic payment may be able to. They will then begin being paid electronically. There is an extensive Help Center within Bill Pay, which is located within the Payments tab, that can answer many of your questions. Please feel free to call the Credit Union at 973.785.9200 for assistance.

 

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Question #18
Can my transactions be downloaded and opened using accounting software?

 

Answer:
Absolutely. You can download what is called a csv file which will open in popular spreadsheet software such as Microsoft Excel and Google Spreadsheets.

 

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Question #19
I need to update my contact information. Can I do it through Online Banking?

 

Answer:
In the Accounts Services tab, click on the My Profile bar on the lefthand side of the screen. You can update your phone number, email addresses and change your password. If you need to update your mailing address, please contact the Credit Union directly.

 

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Question #20
I want to change my password. Where can I do it?

 

Answer:
In the Accounts Services Tab, click on the My Profile bar on the left hand side of the screen. You’ll be able to change your password there.

 

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Question #21
I want to know when the balance on my account goes below $250. Can I do that?

 

Answer:
Yes, in the Accounts Management tab, click on Alerts and you can create alerts customized to your accounts and information needs. This can include when a balance goes below a certain amount you set or when a bill payment has been made.

 

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Question #22
Where do I pay my bills, check on payment information, set up recurring payments?

 

Answer:
The Payments tab, which is where Bill Pay is located, is where you will be able to handle all your bill payments, check on payment information, and set up recurring payments among other processes.

 

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Question #23
I can’t remember my password and got locked out of my account. How do I get it unlocked?

 

Answer:
You will have to contact the Credit Union directly to unlock your account and receive a temporary password.

 

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Question #24
Is there someplace to download the mobile app? Do I create a new logon user ID when I use it the first time?

 

Answer:
The mobile app can be downloaded through the Account Services tab, on the front page of www.NJFCU.org and on the mobile app page on the website. You can also download it by going directly to Amazon's Kindle Fire app store, Goggle Play, or iTunes and search for North Jersey FCU Mobile App. The first time you logon to the app, use the same logon user ID and password that you use in Online Banking.

 

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