Part of your online financial center, FCU At Home

FCU PC Home Banking Frequently Asked Questions

How much does PC home banking cost me?  top
Nothing. PC home banking is free to members of Florida Credit Union.

I don't have a password. What should I do?  top
Prior to the first time you sign on, we need to set you up for PC home banking. Call your local branch, Monday thru Friday 9 am-8 pm and Saturday 9 am-5 pm, or email us at askfcu@flcu.org.

I can't remember my password. What should I do?  top
Unless you specify otherwise, your initial password is the same as your Info 24 P.I.N.

You have the capability of changing your own password. We encourage you to change it periodically to ensure continued protection. If you forget your password,use the "forgot your password" link or contact Florida Credit Union to reactivate the service. You will need to verify your identity at this time.

Can I change my password?  top
Yes. To ensure complete confidentiality, you have the ability to change your password at any time. Go to the Change Password link on your Account Lookup page, and follow the prompts. Your new password can be from 4 to 10 alphanumeric characters. When creating your new password, remember that passwords are case-sensitive.

Can I "bookmark" PC home banking?  top
For security reasons, we recommend that your bookmark our home page, www.flcu.org, rather than PC home banking.

What software do I need?  top
To use PC home banking, you'll need any one of the following web browsers to provide security for your transactions through data encryption:

Today, most computer systems come pre-installed with one or more of these browsers. Some are also available for downloading off of the Internet.
Regardless of which browser you use, the "Cookies" option must be enabled. For further information, please read the section, What are cookies?

What is a browser?  top
A browser is a software package that allows you to view information (Web pages) that is on the World Wide Web.

How do I determine which browser version I'm using?  top
With most browsers, you can access that information by selecting HELP in the menu, then "about."

Do I need an Internet Service Provider (ISP) for PC home banking?  top
Yes. Because the PC home banking system is Web-based, you must have an Internet Service Provider.

I have a Macintosh. Can I use PC home banking?  top
Yes! The PC home banking system allows anyone with browser software to connect- no matter what brand of PC is used.

I am receiving an Incorrect or Invalid Login message. What can I do?  top
There are several things you can try to correct this situation. First, you should verify that your account number was typed correctly. If your account number begins with a zero, do not type the leading zero when entering your account number. For example, if your account number is 012345678, you will need to enter your account number as 12345678.
You must enter any trailing zeros. For example, if your account number is 12345000, you must enter the full number; not just 12345.
Also, keep in mind that your password is case-sensitive. If you entered your password in lower case, try it again in uppercase, or vice-versa.
If you have tried unsuccessfully more than three times, it is possible that your account has been locked. One of our many security features is that an account is locked after three unsuccessful attempts are made to access it. If you suspect this may have happened, please contact us immediately either by phone or by e-mail at askfcu@flcu.org.

I am receiving a message about a Java-related error. What should I do?  top
To use PC home banking, you must use a browser that is Java-compatible. Refer to the list of browsers above. You must also make sure that you have selected to make Java active in your browser.

I use America Online (AOL) and am unable to log into PC home banking. What can I do?  top
You must use AOL Version 9.0 or higher. Older versions of AOL may use browsers that do not support some of the technology required to use PC home banking's functions - i.e. security and graphics.

Return to Frequently Asked Questions  top

Is my account information secure?  top
Yes. Ensuring the privacy and security of your account and personal information is a top priority. No member information is accessible to the public through the web server. PC home banking requires both your correct account number and P.I.N. to access account information.
Layers of security, designed and installed to protect your account information as well as our computers, include automatic sign-off, encryption, firewalls and password lockout. You can be assured of our site's security by checking to see the "https:" in our URL; the "s" signifies a secure site. Also, you can check for the closed padlock on the Status Bar. When you set up Home Banking, you will be asked to set up an extra layer of security by choosing a site key, passphrase, and designating some security questions. Once this is complete, your account is protected with Multifactor Authentication. You may be asked to supply answers to the security questions in the future. If so, this is the security software at work.
For security reasons, we recommend that your bookmark our home page, www.flcu.org, rather than PC home banking.
Remember to Log Off at the end of each session. We also recommend that you clear your cache and history files after each session.
Please read our Security page for a more in-depth description of our security features.

The security message "You have requested a secure document..." keeps popping up. What should I do?  top
PC home banking is a fully secure application. Your browser will display this message each time a new screen is accessed, if you have not disabled security warning messages. To eliminate the need to confirm each secure page, check off the option to not show the secure warning message.

I keep getting a blank screen or a screen with missing images. What is causing this?
You must have cookies enabled in your browser. There are ways to limit cookie usage on your PC. These options are set in your browser preferences. You can:  top

It is up to the individual to specify his preference. If you choose to disable all cookie use, you must manually enable them before using PC home banking and then disable them again after your session is complete.

What are cookies?  top
Cookies are small files loaded onto a user's PC which "communicate" with a web server. These cookies store a profile which lets the web server know certain demographics about the PC being used (possibly hardware components and/or software used) as well as specific preferences for the PC user. This allows the web server to custom tailor the content viewed on the website. This could be to display information obtained from the previous session or to show you what would pertain to your session and not inundate you with graphics or verbiage that you would not be able to use or be interested in. Cookies have expiration dates. Some expire at the end of the session and some expire in 30 years.

I am receiving a message that "The Page Cannot Be Displayed" or that it is currently unavailable. What is causing this to happen?  top
Each user session is limited to twenty minutes. After twenty minutes have passed, PC home banking ends your session. If you try to click on any other area of PC home banking, this is the type of message you will receive. You will still see the last PC home banking screen you were on because each page, as it is displayed, is copied to your computer's hard drive. This is true of any web page you visit, and serves to shorten your response time on return visits to the site. Images and text are saved so that you don't have to wait for everything to reload when you return to a previously visited page.

How will PC home banking transactions appear on my statement?  top
On-line transactions will appear as "FCU At Home" and will have a trace number.

Will I receive a receipt for my PC home banking transactions?  top
No. However, you can print your own record of transaction if you have a printer attached to your PC.

Can I print my account history?  top
Yes, click on "Printer Version" and the dosument will be formatted at the appropriate size.

Can I pay my bills through PC home banking?  top
Yes! This is a free service that saves time and money. To sign up for our Bill Payer, please call your local branch, or send us an email at askfcu@flcu.org, and set you up.

Why does the response time seem so slow?  top
Response time is the result of a number of variables, including your Internet Service Provider (ISP) and your computer hardware (modem speed, amount of RAM, etc.) The amount of traffic on the Internet, the number of people accessing PC home banking, and the condition of your phone lines will also affect your response time.

What if I have questions or problems?  top
If your questions are account-related, please contact your local branch. You may also email us at askfcu@flcu.org.
If you believe the trouble you are experiencing is due to a connection problem, please contact your Internet Service Provider.
Florida Credit Union is unable to provide support for the installation of your computer's hardware or software; nor is the credit union liable for any technical support it does provide. If you have additional questions regarding your hardware or software, we recommend consulting your user's manuals or contacting the manufacturer of your hardware or software.