Credit Union Online Banking FAQs


Questions about Online Banking with Florida Credit Union?

If you have questions about managing your free checking account, small business checking account, personal savings accounts, or other accounts through Florida Credit Union’s online banking service, please read our Frequently Asked Questions below. If you don’t see your question or would like more information, please email us at If your questions are related to recent transactions, please visit or call your local Florida Credit Union branch.

Online Banking Questions

Questions & Answers

How much does Online Banking cost me?

Nothing! FCU’s Online Banking is a free service provided to all Florida Credit Union members. With Online Banking, you can access your free checking account, savings accounts, and your other personal bank accounts, all with no cost to you.

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What do I need in order to begin using Online Banking?

To begin using FCU’s Online Banking, you will need your account number and personal information (such as your social security number and your birthdate). You will then be asked to set up a username and password. Call or visit any Florida Credit Union location in North and Central Florida to get started today!

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I can’t remember my password. What should I do?

If you do not know your password, then select the, “Forgot Password,” option at the time of login. From there, follow the instructions provided to you in the response email. If you're locked out, please call or visit any Florida Credit Union branch to have your password reset.

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How do I change my password?

To change your password for Online Banking, you must first log in, go to, "Member Service," and then, "Options," and then, "Change Password."

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Can I “bookmark” Online Banking?

For security reasons, we suggest you bookmark our homepage, rather than our Online Banking page.

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Do I need special software to access Online Banking?

The only computer software necessary to access Online Banking is one of the two most recent versions of the following supported browsers (a software package that allows you to view information from the internet) listed below:

  • Internet Explorer
  • Firefox
  • Safari
  • Google Chrome

Today, most computer systems come pre-installed with one or more of these browsers. Some areas of the site may require the use of Adobe Flash or Adobe Acrobat Reader. Other browsers and operating systems may work effectively. However, we do not test them and therefore your experience may vary. To determine your browser, you can often access that information by selecting, “Help,” in the menu, then, “about.” We regularly monitor and test browsers to ensure the highest of security standards.

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Do I need an Internet Service Provider (ISP) to access Online Banking?

Because FCU’s Online Banking system is web-based, you must have an Internet Service Provider to access the service.

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I am receiving an Incorrect or Invalid Login message. What can I do?

There are many things that could be causing this situation. First, verify that your account number was typed in correctly. If your account number begins with a zero, do not type the leading zero when entering your account number. For instance, if your account number is 012345678, you will need to enter your account number as 12345678. However, you must enter all trailing zeros, or those that fall after your account number. For instance, 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 lowercase, try it again in uppercase, or vice-versa.

If you have tried unsuccessfully more than three times, it is possible that your Online Banking account has been locked (this is one of our many security features designed to prevent theft). If you suspect that this may have happened, please contact us immediately by phone or by email at

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Is my account information secure through Online Banking?

Ensuring your 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. FCU’s Online Banking requires both your correct account number and PIN to access account information.

We have designed and installed layers of security to protect your account information, as well as your computers. These 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. You can also check for the padlock on the Status Bar.

When you set up Online 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, you account is protected with Multifactor Authentication. You may be asked to supply answers to the security questions in the future.

Remember to log-off at the end of each Online Banking session. We recommend clearing your cache and history files after you’ve logged off.

For more information, please read our security page for a more in-depth description of our security features.

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I am receiving a message that says, “The Page Cannot Be Displayed,” or that it is currently unavailable. What is causing this to happen?

Each user session is limited to twenty minutes to prevent unauthorized users from accessing your account. After twenty minutes, Online Banking ends your session. If you try to click on any other area of Online Banking, this is the message you will receive. You will still be able to see the last Online 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 the loading time on return visits to the site.

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Will I receive a receipt for my Online Banking transactions?

No. However, you can print your own record of transaction if you have access to a printer.

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Can I print my account history?

By clicking on, “Printer Version,” the document will be formatted at the appropriate size for printing.

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Can I pay my bills through Online Banking?

Yes! FCU’s Bill Payer is a free service that can save you both time and money. For more information about this service, please visit our Bill Payer FAQs page.

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Why is Online Banking taking a long time to load?

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 people accessing Online Banking could also potentially affect your response time.

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What if I have questions or problems?

If your questions are account or transaction related, please contact your local branch. You may also email us at Please remember that account numbers should not be included in email correspondence. 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 manuals or contacting the manufacturer of your hardware or software.

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Can't find what you are looking for?

FCU Mailing Address: P.O. Box 5549, Gainesville, FL 32627   Phone: (800) 284-1144   Email:  
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