Check Imaging
We are pleased to announce that Online Check Imaging is available on Home Banking. Please click on "Home Banking " on your right. You may call the Phone Center with any questions.
To visit Charter Oak Federal Credit Union's Home Banking page, click here.
PC Requirements for Home Banking
- Internet access through an ISP provider
- Netscape version 4.0 or greater
- Internet Explorer 5.5 or greater
- Secure Sockets Layer (SSL) support
- 128 bit encryption
First Time User
Please call our Phone Center at 860-446-8085 extension 102 or 800-962-3237 extension 102. You cannot enter e-Branch until our representatives pre-code your account(s).
Upon completion of your phone call, please go to:
Home Banking > Login and follow the easy directions.
Enter your account number.
We strongly urge you to change your access code during your first user session. For ease in remembering your access code, we suggest that you select a number that is important to you.
This will allow you access to e-Branch Home Banking. We recommend that you change your access code after first time use.
Changing Your Access Code
Your access code must be six characters minimum and ten maximum. You can use upper and lower case letters as well as numbers.
To change your access code:
Enter Home Banking.
On the left side bar, click "Other Options".
Click "Change your password".
Enter your new access code and confirm it once more in the box provided and press "Continue".
The message "Process?" appears. Press "Continue" again and you will receive a message "This service has been completed."
For ease in remembering, we suggest that you select letters or numbers that are important to you.
We wish to remind you never to give your access code to anyone else. If you do, you have given them access to your Credit Union accounts.
Frequently Asked Questions
Q: Is there a fee for Bill Payment?
A: Members who have a Charter Gold Checking Account and maintain an average daily balance of $1,000 or more receive this service at no charge. For all others, there is a monthly fee of $6.95.
Q: How many bills can I Pay?
A: You can pay as many bills as you like - as often as you like. And you can have up to 45 different merchants on your payee list.
Q: What is the maximum dollar amount I can pay per transaction?
A: You can pay up to $9,999.99 per transaction.
Q: Do I get a paper receipt of each transaction?
A: Bill Payment assigns a confirmation number to each completed transaction. You may record this number in the check register for your records. Each month, you will receive your normal monthly statement which also includes all Bill Payment activity - payments and transfers. This integrated statement is the only hard copy receipt you need for tax and other verification purposes. It contains all the transaction and regulatory information you need.
Q: Whom can I pay?
A: You can pay almost anyone, anywhere in the United States - from national credit cards, mortgage companies, auto loans, department stores to the paper boy, piano teacher, or babysitter. The only exception is the IRS and state and local taxing authorities. Because of the liability issues involved with making these payments, Charter Oak has decided not to make payments to these payees.
Q: What about insufficient funds?
A: Bill Payment will confirm TODAY transactions only if you have sufficient funds in your primary checking account or overdraft line of credit (if applicable) to cover them. If you do not have sufficient funds in your account or overdraft line of credit on the scheduled date (future or recurring payments) to cover the transaction, it will NOT be completed. A Bill Payment Member Service Representative will make every effort to contact you to notify you and give you an opportunity to transfer or deposit funds and reschedule the transaction. The Bill Payment Member Service department will also follow-up the phone call with a letter.
Q: If there is an error, who pays the late fees?
A: Whoever is responsible for the error pays the late fees. If the screen indicated the payee takes 2 business days to process payments, and you schedule the payment 3 business days before its due date, and the payment was still late, then Charter Oak will take the responsibility. If you did not allow enough time, you will be responsible for late fees.
Q: What happens if the payee states that they never received a Bill Payment member's payment?
A: You must contact the Bill Payment Member Service Department by phone or by completing an online Payment Inquiry (PC and Web) to provide all relevant information about the payment (i.e., payee name, date of payment, dollar amount, due date, etc.). A Payment Inquiry Representative will research the error and contact the member with a resolution. In the event that Charter Oak or payee was at fault, you will be refunded any late fees or finance charges.
Q: When are payments actually made?
A: Payments made prior to midnight are processed the next business day, after incoming ACH credits are memo posted. In many cases, bill payments are transferred electronically to the payee within 2 business days. However, some payees are not set up to accept electronic payments. In these cases, a paper check is sent, which may take 5 business days. The screen will indicate how many days you need to allow to ensure timely payments.
Payments scheduled on weekends or holidays are made on the next business day.
Q: Can I add and delete payees after I complete their initial registration? If so, how?
A: Yes. You can have a maximum of 45 payees and can add and delete payees at your convenience, as long as you do not exceed the 45-payee limit. You can add or delete payees online by selecting the "Payee Maintenance" icon (PC software) or "Payee" button (Web) and following the instructions on the screens in the user manual.
