Online Banking FAQ

Answers to the most frequently asked questions about online account access are listed below. If you have a specific question about your online account access service or if your request requires immediate assistance, you can call us during business hours at 1-877-441-3600. Or you may e-mail us using the electronic form Provided Here».

• What is Home Banking?


• What are the system requirements?


• How do I enroll for online account access?


• When can I start using the Home Banking system?


• What accounts can I access using Home Banking?


• How much does Home Banking cost?


• How do funds transfers work?


• What is the maximum funds transfer I can make between my accounts?


• When is Home Banking available?


• How current is the account information that I see on the screen?


• What is the difference between the current balance and the available balance for my deposit accounts?


• What happens if I forget my password?

Home Banking gives you secure Internet access to your credit union accounts, free of a monthly service charge. Use it to access account information such as account balances and transaction activity, search for checks, transfer funds between accounts and order checks.

Home Banking works best with the following system specifications:

• Windows 95/98/ME/NT/2000/XP
• 32 MB RAM (recommended)
• 800x600 or higher video resolution (recommended)
• Internet Access (28.8/56 kbps modem, cable modem, DSL, etc.)
• A browser that supports 128-bit encryption (i.e. Netscape Communicator 4.5+, Netscape Navigator 4.06+, Microsoft Internet Explorer 4.0+)
• A browser in which "Cookies" are enabled

• System 7.5.5 or higher
• 32 MB RAM (recommended)
• 800x600 or higher video resolution (recommended)
• Internet Access (56 kbps modem, cable modem, DSL, etc.)
• A browser that supports 128-bit encryption (i.e. Netscape Communicator 4.5+, Netscape Navigator 4.06+ or Microsoft Internet Explorer 4.5+)
• A browser in which "Cookies" are enabled

If you have a San Patricio County Teachers Federal Credit Union account, come in to the credit union and request access. To enroll you will need to have:

• The account number you wish to have access to.
• The social security number associated with the account

After You have enrolled in the program you should be able to access your account that evening.

• Share Draft (checking)
• Overdraft Protection
• Shares (savings)
• Share Certificates
• IRA's
• Loans
• Personal Lines of Credit

You can view balances, see if checks have cleared or deposits have posted, transfer funds between accounts and all FREE of a monthly service charge.

You can transfer funds to and from your checking, savings. You can not transfer funds from an installment loan or from or into a share certificate or IRA. You cannot transfer funds directly from your overdraft protection account. Funds transfers into loan accounts are credited as payments.

The maximum amount of any one transfer is the lesser of the current available deposit or credit balance in the source account.

In general, Home Banking is available 24 hours/day, 365 days/year.

The account balance and transaction information is usually current and up-to-date through the previous business day. The credit union updates this information at various points throughout the day.

The current balance is the total amount of funds in your account. The available balance is the amount of funds in your account to which you have immediate access.

If you forget your password, you will need to call San Patricio County Teachers Federal Credit Union during business hours at 1-877-441-3600. We will then reset your password which you should change the first time you log-in.