Home Banking
Frequently Asked Questions about Home Banking
Q: What is Home Banking?
A: Home Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online. Home Banking is a free service. Bill Pay is an optional service for Home Banking users. Nominal fees may apply for Bill Pay. Contact RTP Federal Credit Union for the current Bill Pay pricing.
Q: What can I do with Home Banking?
A: You can view account balances and transaction history, transfer money, download transactions to a personal financial manager and much more.
Q: Is any of my personal information stored in the Home Banking product?
A: Yes, the Home Banking product stores your User ID, password and user preferences. If you keep a stock portfolio, that information is also stored.
Q: How current is my banking information?
A: Your account information is online, real-time. New transactions can be viewed as soon as they are posted to your account.
Q: What accounts will I be able to access through Home Banking?
A: You can access your checking, savings, investment and loan accounts from Home Banking. Our Home Banking product is intended to give you as much access, security, and versatility as possible.
Q: How much account information can I view at once?
A: The system will automatically show the current month's transactions and information. However, by selecting User Options, you can choose to view the current month and the previous month. Or, you can choose to view your account from the current date to same date of the previous month.
Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order. You can change the way you view your account details under User Options.
Q: In what formats can I download my transaction history?
A: Online Banking supports downloads to Quicken™, Microsoft Money™ or as a comma-delimited text file.
Q: Can I schedule future transfers?
A: Yes, you can schedule future and recurring transfers in Home Banking.
Q: When can I use Home Banking services?
A: With Home Banking, you have access to your account information 24 hours a day, 7 days a week.
Q: How long can I be inactive before being logged out of the Home Banking product?
A: The inactivity timeout default is set for 10 minutes.
Q: What is required to use the Home Banking service?
A: All you need to use Home Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®, Mozilla Firefox®, Netscape Navigator® or America Online®. You can use any computer that has Internet access.
Q: How do I access Home Banking?
A: You must first contact RTP Federal Credit Union to request the service. You may contact us by telephone or e-mail. We will mail your User ID to you. You must have an existing checking, savings or loan account before signing up for Home Banking.
Q: Can I create my own password that is easy for me to remember?
A: Yes, after you use your assigned password to log-in for the first time, you can go to User Options and change your password.
Q: What happens if I forget or lose my password?
A: If you have forgotten your Home Banking Password and you have taken advantage of our Forgotten Password feature, please click here. If you did not answer Forgotten Password security questions at your initial login, just call us and we will take you through the steps needed to get back into the system immediately.
