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Frequently Asked Questions
Why use CU@Home?
- Access your account when you want, the way you want, and where you want.
- View real-time account balances information and history
- Transfer funds between Central Jersey accounts
- Make loan payments
- Reconcile accounts anytime without waiting for a statement
What if I don't know much about computers to use online banking?
When you go to our website and click on the CU@Home icon you will go directly to the log on page. Once you put in your Member Number and Access Code that you have used on the Telephone Teller you will be logged into CU@Home. Once you are signed-on, it is as easy as clicking your mouse on the pull down menus you want to check.
Is it safe to give out my account information over the Internet?
Central Jersey Federal CU@Home is safe and secure. Any information you send or receive is sent out as a scrambled (encrypted) signal. Your browser scrambles the information you receive so that only you can view it. You must use a browser that uses 128-bit encryption. If you do not have 128-bit encryption, you can update your browser on either Microsoft Internet Explorer or Netscape Home page.
How much does Central Jersey Federal CU@Home cost?
CU@Home is FREE to Central Jersey Federal Credit Union members. The services we provide and the fees for those services are always subject to change at our discretion.
How current are the balances I see on the screen?
The balances you see are real time balances. Therefore any transactions you perform will be shown immediately on the screen, after you refresh your CU@Home screen. That means that anything that affects your balances (ATM transactions, checks, EFT postings, transfers, etc.) barring any network problems, appear as soon as we receive the transaction information through various electronic transmissions. The only transaction that may not show up until the next business day is a check request. That does not show in the balances until the check is issued during business hours.
Why am I unable to print some pages while in an online banking session?
You will be able to print your account summary balances and account details, and all transaction confirmations. However, you may experience difficulties printing some other content pages depending on your browser type and specifications.
When and how will CU@Home advances, payments or transfers take place?
Financial transactions are processed in a similar fashion to teller transactions that take place during business hours. When a transaction has been completed, you will receive a confirmation message on your browser screen. Also, the transaction will be in your online history and in your mailed monthly statement. There may be circumstances beyond our control that may cause you to not receive a confirmation page. Congestion on the Internet or failure in your browser software may occur. You can confirm the status of your transaction by calling Central Jersey Federal Credit Union, but we recommend that you first check your online account transaction history page.
Why do I sometimes receive errors when I use my back and forward buttons in my browser while in an online banking session or returned to www.cjfcu.org welcoming page?
Due to security requirements, there are some instances where we prevent pages from being saved to your computer's hard drive. This is to prevent an unauthorized user from accessing your account information once you have logged out of a session. A by product of this feature is that if the back button is pressed while the Internet Banking session is active, the browser asks to reload the page instead of displaying the previous page automatically. Also, if you hit the pull down menus on the left instead of the pull down on the top of the screen, you will go back to Central Jersey Federal Credit Union's web site. You will no longer be in your account at CU@Home.
I was using the system and it prompted me to log on again. I had already provided my User ID and Password once before, so why did it ask again?
This is a security feature designed for your protection. If several minutes elapse without a request from you for anything from the CU@Home system (exclusive of Help) then the system ends your session and does not allow further transactions until you enter your user information again. This approach helps prevent others from performing transactions on your computer in the event that you forget to properly exit the system.
How do I get additional help during a session?
In addition to these FAQs, the Internet Banking Help link before you log into the CU@Home site, and the help button at the top of your screen under the Options pull down menu, you can always get assistance by simply calling our office during business hours at 732 634-0600. If it is an account problem, ask for a Member Service Representative. However, if you think it is a question or problem directly related to CU@Home, then ask for the CU@Home coordinator.
Can I contact Central Jersey Federal CU@Home coordinator through my Internet banking screens?
Yes on any one of the screens you will notice "E-Mail Us" as one of the options on the left side of the screen. Click on this and you will get support@cjfcu.org through which you can e-mail your question.
I was connected to the application earlier today, but am unable to connect again. The error message indicates it is unable to locate the server. What do I do?
First, confirm that you are able to access other sites successfully. If cannot get onto any site, contact your Internet Service Provider (ISP) for assistance. Second, confirm that you have clicked on CU@Home on our website, http://www.cjfcu.org. Click on the icon and try to connect again. If that does not correct the problem, then it may mean that the home banking site has unexpectedly gone off-line. In this case, please contact customer service for assistance, or simply try your request again at a later time.
What happens to a member's money if s/he is in the process of transferring it from one account to another and the Internet connection is lost or a power failure occurs before the transfer is complete?
Members must log back in to the CU@Home product to determine if the transfer was successful. This can be verified via a history selection. You can always contact Central Jersey during business hours, if something has gone wrong with the transfer.
What should I do to make sure my information is safe?
- Utilize the latest version of Netscape Navigator or Microsoft Internet Explorer.
- Utilize the four-digit security code to ensure the information cannot be guessed or used by others. Do not use your birthday or any part of your social security number, since they are too easy to guess. If you wish to change your access code, you must change it first in the Telephone Teller system. Your security code must be kept confidential. Be sure others are not watching you enter information on the keyboard when using the system.
- Never leave your computer unattended while logged on to CU@Home. Others may approach your computer and gain access to your account information if you walk away.
- Click Logout at the top when you are finished using the system to properly end your session. Once the session has been ended no further transactions can be processed until you put in your Member Number and Pin again.
- Close your browser when you are finished, so that others cannot view any account information displayed on your computer.
- Keep your computer free from viruses. Use virus protection software to routinely check for a virus on your computer. Never allow a virus to remain on your computer while accessing CU@Home.
When you follow these simple security measures, your interaction with the CU@Home system will be completely confidential and safe. We look forward to serving your needs both today and into the future.
How to Find Encryption Level
- Open your browser.
- Go to Help on the Tool bar.
- Look in the About menu under Help.
- Find the cipher strength in MS IE; should be 128-bit.
- Find "This version supports high grade (128-bit) security." in Netscape Navigator
How to Update MS Internet Explorer
- Click on the start menu.
- Find "Update Windows Explorer" above the Program listing.
- Click on it and it will take you to the update screen.
- Click on Scan which will take a few minutes if you have a modem.
- Then download the updates one at a time.
- Install the update and see if the cipher level has gone to 128-bit.
- Keep installing the updates as necessary.
How to Update Netscape Navigator
- Go to www.netscape.com.
- Look for the download area, either at the top right of the screen or under Browser Central at the bottom left.
- Click on it and you will go to a download area.
- Download and install.
- Check to see the security level when finished.
Central Jersey Federal Credit Union Internet Banking Agreement and Disclosure
Legal Disclosure Requirements
This Internet Banking Agreement and Disclosure (Agreement) is the contract, which covers your and our rights and responsibilities concerning the CU@Home Internet Banking Services offered to you by Central Jersey Federal Credit Union (CJFCU). This Web Banking Service allows you to access a number of financial services through the use of personal computers or similar devices. You may go to www.cjfcu.org to have access to your accounts and perform various transactions.
You may use CU@Home to:
a. Make withdrawals from your share and share draft accounts. A check will be mailed to you
on the next business day.
b. Obtain account balances, loan payment amounts, and due dates.
c. Transfer funds between share, share draft and loan accounts. Federal regulationsmay
limit the number of transfers from certain kinds of accounts. See account disclosures.
d. Make VISA loan payments.
e. Obtain information about the last dividend paid to the account.
f. Obtain information about the most recent payroll deduction/direct deposit made to your
account.
g. Obtain information on share drafts cleared within the past 12 months.
When you do the above transactions, you are subject to all the terms of the contracts for those accounts.
You are responsible for your Member Number and PIN (Access Code) and for any CU@Home transaction you authorize using your Member Number and PIN. Joint account holders and other persons who are authorized to use the Member Number and PIN are also bound by the terms and conditions contained in this Agreement and Disclosure. You agree that if you give your Member Number and PIN to someone else to use, you are authorizing them to act on your behalf and you will be responsible for any use of CU@Home by them. You agree to protect your Member Number and PIN. Do not keep your Member Number and PIN in the same place. Memorize your Member Number and PIN. Do not give your Member Number and PIN to anyone you do not wish to allow total access to your account information or any permitted transaction.
Tell us at once if you believe your Member Number and PIN have been lost or stolen. Telephoning us is the fastest way to prevent possible losses, but we may require you to put the information in writing. You could lose all the money in your accounts plus the maximum amount of any line of credit loans. If, however, you tell us within 2 business days, you can lose no more that $50.00, if someone uses your Member Number and PIN without your permission.
If you do not tell us within two business days after you learn of the loss or theft of your Member Number and PIN, and we can prove we could have prevented someone from using the Member Number and PIN, you can lose as much as $500.00.
If your statement shows transactions you did not authorize, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not be able to recover any losses incurred after 60 days, if we can prove that with proper notice we could have prevented the loss. You should:
a. Give us the name and account number.
b. Describe the error or transaction in question, and explain as clearly as possible why you
believe it is an error or why you need more information.
c. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send, and we receive your complaint or question in writing within ten (10) business days.
If a good reason (such as a hospital stay, or long trip) kept you from telling us, we may extend the time period.
We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If additional time is required, it may take up to forty-five (45) days to investigate your complaint or question. If so, your account will be adjusted within ten (10) business days for the amount you think is in error. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not adjust your account. If we decide that there was no error, we will send you a written explanation within three (3) business days after our investigation is complete. You may request copies of the documents used in our investigation. A fee may be charged for this document request.
Reporting Lost or Stolen PIN and the Notification of Unauthorized Transactions
If you believe that your Member Number and PIN have been lost or stolen, or you discover an unauthorized transaction on your statement, call or write us at the address listed below. If unauthorized activity occurs, you agree to cooperate during the investigation and to complete an Affidavit of Unauthorized Use or a similar form.
CU@Home Coordinator
Central Jersey Federal Credit Union
380 Berry Street
Woodbridge, NJ 07095
support@cjfcu.org
732-634-0600
Business Days
While you may access your account information through CU@Home at anytime, the business days for Central Jersey Federal Credit Union are Monday through Friday. Saturday, Sunday and Federal holidays are not included. Under no circumstances can CJFCU be held responsible for any events that occur due to technical or other reasons.
Disclosure of Account Information
We shall disclose information to third parties about your account(s) or the transactions you make:
a. Where it is necessary to complete transactions.
b. In order to verify the existence and standing of your account(s) with us upon the request of
a third party; such as: a credit bureau.
c. In order to comply with court orders or government or administrative agency summonses,
subpoenas, orders, examinations and reports and/or on receipt of certification from a
Federal agency or department that a request for information is in compliance with the
Right to Financial Privacy Act of 1978.
d. If you give us your written permission.
Limitations on Transactions
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses and damages. However, there are exceptions. We will NOT be liable if:
a. Through no fault of ours, you do not have enough funds available in your account to
conduct the transaction.
b. The transfer would exceed any available line of credit loan you may have with us.
c. Circumstances beyond our control (such as fire, flood power failure, civil disruption,
war, computer breakdown, telephone service disruption, or natural disaster) prevent or
delay the transaction despite reasonable precautions taken by us.
d. The funds in your account are subject to legal process, encumbered by agreement, are
uncollected, on hold waiting check collection, or are otherwise unavailable for the
transaction.
e. The PIN or transaction information provided to us is incorrect, incomplete,
ambiguous, untimely, or is obsolete.
f. The systems involved in the transaction were not working properly at the
time of your transaction and you knew of this condition at the initiation of the transaction.
g. You are in default on an account on which you are attempting a transaction.
Fees
There are no fees for the use of CU@Home. You are responsible for any fees charged by your Internet Service Provider, telephone company and other applicable utility charges. Fees may be charged for activities involving the credit union accounts on which CU@Home transactions are conducted. You should refer to the specific account disclosures provided previously for the list of possible fees.
Additional Terms and Conditions
In addition to the terms and conditions above, you agree to be bound by and comply with all applicable laws and regulations. Central Jersey Federal Credit Union, also, agrees to this condition.
CJFCU reserves the right to terminate your use of the Service in whole or in part, without prior notice. If you do not use the Service for a period of 90 days, the Service Account may be deemed inactive and terminated. This will not terminate your membership or close any of your credit union share or loan accounts. Your use of the Service may also be terminated as a result of abused or misuse of the Service as determined by the Credit Union.
You may at any time cancel your subscription to the Service. You should contact us using the address and telephone number listed in the section of this disclosure on reporting a lost or stolen PIN or Password. You are responsible for providing Central Jersey Federal Credit Union sufficient notice to ensure cancellation of the Service subscription. CJFCU will not be liable for any payments and/or transfers not cancelled or made due to your action or inaction related the termination of Services.
Only Central Jersey Federal Credit Union may alter the terms, conditions, fees, and charges of the Service. We may add, delete or amend terms, conditions and other provisions, fees, charges, or other terms described in the Agreement. We will send a notice to you to the postal address provided by you and/or send a notice to your E-mail address, as requested by you, at least twenty-one (21) days before the effective date of any change, as required by law. This notice will detail the changes and requirements. Your use of the Service following our sending you such notice of changes will constitute acceptance of the amendments.
These terms and conditions as amended supercede any previous agreements for the Services. Any disputes will be resolved based on these terms and conditions.
The laws of the State of New Jersey govern the agreement for the Service. If any legal action is to be taken, the matter will be decided in a New Jersey State court.
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