About Online Banking
Woodstone Credit Union
offers Online Banking to members for FREE (Bill Payer is FREE for 90 days, then
$4.95 p/month). However, your Internet Service Provider may charge a fee for
your Internet access.
This error occurs when you
have the cookies setting set to "disable all cookies" in your
browser. You must have your browser set to "always accept cookies"
when using Woodstone Online Banking. Click here for
more information about cookies.
What is Woodstone Online Banking?
Woodstone Online Banking is a
service for members that provides convenient access to account information and
account transactions using the Internet. Woodstone CU members around the globe
have the convenience of conducting account transactions from anywhere 24/7, 365 days a year.
Whom
do I call with other questions?
If you have additional
questions about Woodstone Online Banking, please call one of our representatives
at (253) 925-6800, or (800) 334-9828.
Signing Up
How
do I sign up for Woodstone Online Banking?
There are several ways to
sign up.
· Mail or Fax (Click to download our Sign Up RequestForm)
·
Call us at (253) 925-6800 or (800) 334-9828
If you call during non-business hours, we will call
you back the next business day to set up your account. In your correspondence,
be sure to include a phone number where we can reach you during business hours.
How
many characters must my password be?
Your password must contain a
minimum of 6 characters with a maximum of 20. Passwords may consist of alpha
and numeric characters only. Increasing the number of characters makes the
password more difficult to decode. Common words are also considered less secure
than abstract combinations of alpha and numeric characters.
If I have more questions about Woodstone Online Banking, who should I
contact?
If you have more questions, please
call on of our representatives at (253)925-6800, or (800) 334-9828.
Computer Access
Are
there any down times where I will not be able to use Woodstone Online Banking?
Yes, Online Banking, Bill
Payer and VISA Online may occasionally be unavailable while temporarily
undergoing maintenance.
Can I use Woodstone’s
Online Banking from any location?
Yes, as long as you have
access to the World Wide Web, you may use Online Banking from any location in
the world, 24 hours a day, 7 days a week.
Can I use my Macintosh with Woodstone Online Banking?
Yes. Your Macintosh will
need capabilities for Internet connectivity. See Woodstone Online Banking
equipment requirements.
Can my joint owner use the service?
Yes, you will share a
password for the account.
Do I need software from Woodstone CU in order to use Woodstone Online
Banking?
No. All you need is a Web browser,
such as Microsoft Internet Explorer or Firefox, and access to the Internet.
Do I need to own a computer to use this service?
No. You can use any computer
that has Internet connectivity. Remember to check browser requirements to see
if you'll be using a recommended Web browser.
What
equipment and configuration will I need?
You will need the following:
- A computer capable of
Internet connectivity
- Modem or ISDN devices;
14.4 baud or better
- Internet Service
Provider (ISP), such as EarthLink, MSN or AOL
- Internet/Web browser
(see browser requirements )
- Optimum screen resolution:
800 x 600
Using Online Banking
I am
having difficulty signing on to Woodstone Online Banking.
Woodstone Online Banking passwords
are case sensitive. When accessing Woodstone Online Banking, be sure that your
CAPS LOCK is turned off. This will allow you to type in your password using the
appropriate sequence of lower and upper case letters, as well as numbers.
I get the message that my certificate has expired when I try to log into
Woodstone Online Banking.
In order to eliminate this
problem, members should upgrade their browser. Key links to the most popular
browsers are below:
I tried to access my account and I was informed that it is frozen. Why
does this happen and what can I do to fix it?
You are allowed six
unsuccessful attempts to access your account before our system will freeze your
account. Once a successful attempt is made, the counter is set back to zero.
This is to prevent password guessing. If you follow proper password choosing
procedures, it is highly unlikely that anyone can guess your password in six
attempts. If you have simply forgotten your password, call the credit union at
(253) 925-6800 or (800) 334-9828 to obtain a temporary password. We will go
through a verification process to ensure your identity.
What does the following message mean: "This page has expired due to
inactivity"?
If you are logged in to your
account but do not click on any of the links or perform any transactions for 10
minutes, the system will automatically close out your Woodstone Online Banking
session. When you try to click on a link or perform a transaction after being
closed out you will see the message that the page has expired. All you have to
do is click on the Restart Session link, reenter your account number and
password and you will be back inside Woodstone Online Banking.
When I click on the Woodstone Online Banking button a message box pops
up telling me the site cannot be opened. Does this mean your web site is down?
If you are using Microsoft's
Internet Explorer and you have Secure
Sockets Layer (SSL) turned off, you will receive an error message
stating that the web site could not be opened. You must turn on SSL in order to
access your account on Woodstone Online Banking If you are using IE 5 or higher,
do the following to enable SSL: Go to the menu on the top of the screen and
click Tools followed by Internet Options. A window entitled Internet Options
should now be visible. The Internet Options window should have six tabs going
from left to right. The name of the tab on the far right is, “Advanced.” Click
on the “Advanced” tab. Move the scroll bar about a third of the way down until
you see a little padlock and the word Security. Click to check the boxes next
to both SSL 2.0 and SSL 3.0. Then click okay at the bottom of the Internet
Options window. You will now be able to view secure web sites.
Quicken and MS Money
Downloading
Can
I do automatic reconciliation with Quicken or Money?
No. Presently we support the
downloading and importing method. This requires you to download a file, save
it, and then import the data from that file into your money management program.
What
are the steps to download transaction history?
Once logged in to Woodstone
Online Banking, click the History Tab, then click the Download History for
Quicken link (use this link for MS Money also). Select the share or loan ID and
transaction date range desired and click Continue. Select a destination for the
.qif file and save it.
When I attempt to download Quicken account data from Woodstone Online
Banking, the data is downloaded into as a webpage and I am unable to save it in
a format that is recognized by Quicken.
This can occur if the
Multipurpose Internet Mail Extension or "MIME" content type for the
document type is not defined. To correct this, you need to specify the correct
content type by following these steps:
a. Double-click My Computer, and then click (Folder
Options) in the (View menu).
b. Click the (View) tab in the upper left corner of
the Folder Options window, and verify that under the (Hidden files) folder the
"Show All Files" circle is selected.
c. Again under the (View) tab, you must also verify
that the box for "Hide file extensions for known file types" is not
selected.
Note: If needed, click either the circle and/or box
to select or clear them, and then click (Apply).
d. Click the (File Types) tab in the upper left
corner of the Folder Options window.
e. Click the New type button.
f. At the bottom of the Add New File Type window,
verify that the "Confirm open after download" checkbox is checked.
g. In the Description of type box, enter: qif
h. In the Associated extension box, enter: qif
i. Under the Actions heading, click the “New”
button.
j. In the Action box, type: OPEN
k. In the Application used to perform action box,
type: c:\windows\notepad.exe
l. Click the (Close) button.
m. Click OK until all dialog boxes are closed.
n. Click (Close) on the Folder Options window.
o. Try downloading a Quicken file from Woodstone
Online Banking to see if you are prompted to save the file.
Will
I be able to download account history into Quicken or MS Money?
Yes. Woodstone Online
Banking allows you to download into either Quicken or Microsoft Money.
Security
Does your site provide security to prevent my account information from
being intercepted online?
Yes. Woodstone uses
state-of-the-art network security to ensure the protection of your account
information.
We provide secure financial
services through a protocol known as the Secure
Sockets Layer (SSL). The Secure Sockets Layer prevents other
computers along the route from eavesdropping by encrypting all data transmitted
between our site and your computer. Intermediate computers would see each
packet of information as a meaningless jumble of bytes. The sending end
encrypts, or encodes, the data with one key before it is transmitted. The
receiving end decrypts, or decodes, the data with another key.
Members that live in the
The Secure Sockets Layer validates the identity of
our site to you through the use of a digital certificate. After you connect to
our site in secure mode, our site sends your browser a signed digital
certificate, which contains the name of our Web server, its public encryption
key, the certificate's validity dates, the name of the certification authority
that issued the digital certificate to our site, and an unforgeable digital
signature. The digital certificate authenticates to you that you are indeed
connecting to our site.
The Secure Sockets Layer ensures that the data
transmitted between your computer and our site has not been tampered with
through the use of Message Authentication Codes (MACs). A MAC is based on the
actual data itself, similar to a checksum. This provides a quick way for the
receiving end to verify that the data wasn't changed en route. Our site
requires that you use a browser that supports SSL. Click here for
more information on SSL and encryption.
What
are cookies? How does one determine if they are turned on?
Cookies are a very
useful tool to differentiate between visits to a web site. This is done by
storing a piece of information in the visitor's browser. This is accomplished
with cookies. Cookies can store database information, custom page settings, or
just about anything that would make a site individual and customizable. An
analogy we like to use is that cookies are very much like a
"rain-check" of sorts. When you return, you pick up where you left
off.
Some cookies have expiration dates. When a cookie
expires, your browser will simply erase it from your hard drive. Depending on
where it came from, a cookie may expire tomorrow, next week, or any other time.
Cookies with an expiration date are generally known as "persistent
cookies," meaning they stick around for a while. A cookie that doesn't
contain an expiration date will only last as long as your browser stays open.
These are called "session cookies." When you close your browser, all
session cookies silently disappear. Our Woodstone Online Banking site uses
session cookies.
There are different ways of determining if cookies
are turned on, depending on which browser version you are using.
Microsoft
Internet Explorer 3, 4 & 5
- Click on
"view" drag down to "options".
- Next, click on the
"advanced" tab. Check "always accept cookies."
- Make sure that
"accept all cookies" is checked.
What
can I do to protect my accounts?
Even though we are making
use of technology to keep your data safe as it passes over the Internet, you
still play an important role in keeping your account safe. You should memorize
your password. Do not write it down. Doing so may reveal it to others. It is a
very good idea to change your password often, especially if you access Woodstone
Online Banking from work. We have made it easy for you to change your password.
When you are finished with Woodstone Online Banking or if you need to leave the
computer, sign off. Our system will sign you off after 10 minutes of
inactivity. However, if you sign off every time, you decrease exposure
opportunities.
When selecting an access code, do not use words or
codes that are easily traced back to you. Using your birth date, spouse's name,
favorite team and so on are all dangerous practices. Also, do not use terms or
words that can be seen near your computer. For instance, Intel or Pentium are
not good choices. It is best to use a mixture of upper and lower case letters,
numbers and/or symbols in your code. When put together in a string, they
shouldn't make sense. If you have a hard time remembering codes, think of a
short saying or sentence you have memorized and use the first letter of every
word. Mix in upper and lower case letters and throw in a number or two. Also,
the more characters you have in your password, the harder it is to guess.
There are programs that attempt to run through a
series of passwords in hopes of gaining access to systems or accounts out on
the Internet or on computer systems and networks in general. We limit the
number of consecutive failed attempts to six, which will stop these programs in
their tracks - especially if you stay away from common words or word
combinations.
How do I know which browser I am using?
If you go to the menu at the
very top of your screen (the one starting with File) and click on “Help” then “About”
(your browser name) a window will appear in the middle of your screen informing
you which browser you are currently using.
I just upgraded to
Internet Explorer 5.5. When I type in my account number, my password is
automatically inserted. Why does this happen and how can I prevent it from
happening in the future?
This is a new feature with
Internet Explorer 5. It's called "auto complete". It can be turned
off easily. Under the tools menu on Internet Explorer, click internet options.
Click content. From the personal information area, click auto complete then
uncheck "user names and passwords on forms". Click OK, then OK again.
Is there anything
special with Macintosh computers as it relates to Woodstone Online Banking?
You will need MS Internet
Explorer 5.5 or newer, Firefox 1.5.0 or Safari 1.0 or higher.
What are the most
commonly used browsers?
Key links to the most
popular browsers are below: