Questions About Online Banking Is it safe? We have made every effort to make online banking as safe as possible. Secure Communications Data is encrypted as it travels to and from your PC. Encryption is accomplished through using either 40-bit or 128-bit encryption security (the higher the encryption bit numbers the higher the security level). Home Financial Services requires at least a 40-bit encryption browser, however a 128-bit encryption browser is recommended. The browser that you are running determines which level of security will be used for your connection. If you are currently using a 40-bit encryption browser and want to use the more secure 128-bit encryption browser, you will need to download the browser from either Netscape or Microsoft. This means your sensitive financial information cannot be deciphered by unauthorized individuals. Secure Login User IDs and passwords are stored on our Credit Union's computer, isolated from the Internet, where they can never be accessed or downloaded by anyone on the Internet. In addition, because user passwords can vary from six to eight characters, the chance of randomly guessing a password is less than one in 1,000,000,000. (That's 1 billion!) Secure Environment Our computer system does not connect directly to the Internet. It is isolated from the network via a "firewall" -- a software and hardware product that defines, controls and limits the access that "outside" computers have to the credit unions computer. This firewall subscribes to the standards set by the NCSA (National Computer Security Association). In other words, use of the firewall allows only authenticated bank customers or administrators to send or receive transactions through it. Security Reviews We provide continuous monitoring and auditing of all transactions originating from or outbound to the Internet.  We are committed to working with our communications providers to produce the safest operating environment possible for our customers and will take advantage of evolving security enhancements. How much does it cost? Online banking is free to use; there is no monthly charge. Can I transfer to an account with a different number? Yes you can, ONLY if you fill out a Cross Transfer Request Form. This form can be accessed online. Once you fill out the form, the Credit Union will allow you access to that account. Can I download to Quicken? Yes, you can download to Quicken and Microsoft Money.

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