What features are available in Online Banking? Is Online Banking more secure? What is a Widget? What is a Site Marker? What is a One-Time Password or OTP? I forgot my User Name and/or Password. What should I do? Are there any changes to Bill Pay? Will my Alerts transfer? Will my e-Statements be available? How can I access Online Banking from a mobile device? Can I apply for a loan? Will there be remote deposit capture? What browsers are compatible with Online Banking?     Go Back What features are available in Online Banking? The Dashboard is your entry point into Online Banking. Dedicated Widgets will provide you with easy access to your banking needs. You are able to view a summary of your accounts and transfer funds from your Dashboard. There is a customizable Events Calendar and a secure Message Center as well. The new Online Banking is redesigned for a more intuitive member friendly experience.   Go Back Is Online Banking more secure? Yes, Online Banking provides you with increased security. You are no longer required to enter your member number to access your account. In addition to a customizable User  Name and Password, personalized security questions and Site Markers help to ensure online security. Online Banking utilizes a One-Time Password or OTP for new member enrollment and for certain transactions.   Go Back What is a Widget? A Widget is a dedicated application on your Dashboard. Each Widget window displays specific information about your account.   Go Back What is a Site Marker? A Site Marker is a secret image that only you know. Make sure you verify this image before you enter your Password. You may choose an image from the gallery provided or upload your own image.   Go Back What is a One-Time Password or OTP? To provide enhanced security for certain transactions, Online Banking uses a One-Time Password or OTP.  In such cases this Password is sent either to your email or your mobile device, or both, and you are then prompted to enter the code online to continue with the transaction. As part of the enrollment process, you are asked to specify how you want these Passwords delivered.   Go Back I forgot my User Name and/or Password.  What should I do? Click either “Forgot User Name” or “Forgot Password” located in the account login window and follow the onscreen instructions. Please note that a One-Time Password will be sent to your email address.  If you've forgotten both your User Name and Password you must contact us.   Go Back Will my Alerts transfer? Yes, your Alerts will transfer to Online Banking.   Go Back Will my e-Statements be available? Yes, as of April 30th e-Statements will only be available on our new Online Banking platform.   Go Back How can I access Online Banking from a mobile device? There will be a new mobile app for both Apple and Android devices.   Go Back Are there new ways to link accounts? Online Banking gives you the option to organize and display your linked accounts conveniently.     Go Back Can I apply for a loan? Yes, you can apply for a loan with Online Banking. You can access this service from the All Services tab by clicking the Loan Application icon.   Go Back Will there be remote deposit capture? This will be released at a future date.   Go Back What browsers are compatible with the Online Banking? For best results we recommend you use the latest version (but not a beta version) of your browser. We support the following browsers:  Firefox (FF) Mozilla Firefox (FF) 3.6 or newer (PC or Mac) http://www.mozilla.com/en-US  Internet Explorer (IE) Version 8.0 or higher http://www.microsoft.com/ie Safari Version 5 or newer (PC or Mac) http://www.apple.com/safari/download/ Google Chrome Newest version (PC or Mac) http://www.google.com/chrome Opera Version 9 or later (PC or Mac) http://www.opera.com/browser/   Online Banking will still work on older browsers. However, you may notice speed or performance issues. We strongly recommend you upgrade your browser to avoid any such issues.

This Frequently Asked Questions (FAQs) list provides you with answers to the most-asked questions about Bay Cities Credit Union e-Statements and e-Services.

 

Is there a cost for e-Statements and e-Services?

What statements can I receive electronically?

Can I just receive my monthly statements electronically and still get
my statements via U.S. mail?

Can I enroll by calling Bay Cities or visiting a Bay Cities office?

I just enrolled, how soon will I get my e-Statements and e-Services?

When during the month will my e-Statements be available?

Are there any system requirements?

What if I need a paper copy of my statement?

What if I need to change my email address?

What if I forget my password?

What if I didn't receive my e-Statement notification?

What if I want to cancel e-Statements?

 

 

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Is there a cost for e-Statements and e-Services?

No, the e-Statement service is free of charge. In fact, if you choose to enroll in this service, it saves Bay Cities money on statement printing and mailing costs allowing the Credit Union to reinvest this savings in new products and lower rates.

 

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What statements can I receive electronically?

All of your statements will be received electronically.

 

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Can I just receive my monthly statements electronically and still get
my statements via U.S. mail?

If you sign up for e-Services, all Bay Cities-generated statements and letters for your member number will be sent electronically. If you have more than one member number, you will need to sign up for each one separately.

 

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Can I enroll by calling Bay Cities or visiting a Bay Cities office?
You must enroll via Online Banking, however, our employees are always available to answer any questions you may have and walk you through the sign-up process.

 

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I just enrolled, how soon will I get my e-Statements and e-Services?

Your statements will be available immediately upon enrollment. Please be aware that some statements are sent monthly and some are sent quarterly.

 

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When during the month will my e-Statements be available?

The monthly statement will be available on the first day of each month through Online Banking. Visa® Statements will be available on the 16^th of each month. You will receive an email when your online statement is available.

 

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Are there any system requirements?

Yes, you must have the following:

Internet access

Adobe Acrobat Reader 5.0 or higher (can be downloaded for free by clicking here.)

 

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What if I need a paper copy of my statement?

Your statements can be downloaded and printed directly from your computer. You may also call the Member Service Center to have a copy mailed. There will be a statement copy fee charged if requested through the Member Service Center.

 

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What if I need to change my email address?

If you need to change your email address, sign into Online Banking, click on the Settings tab and click on the My Account Profile link. In your Account Profile you can change your primary email address as well a other important information. You will be sent a New Activation email to activate your new address(s). Future communications will be sent to those addresses after activation.

 

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What if I forget my password?

If you forget your Online Banking password click the “Forgot Your Password” link below the User Name field on www.baycities.org . This will allow you to reset your password.

 

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What if I didn't receive my e-Statement notification?

Undeliverable emails will result in members being removed from e-Services. We will then send your statement via mail. You will need to re-enroll in order to e-Services again.

 

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What if I want to cancel e-Statements?

You always have the choice of receiving e-Statements or paper statements. To cancel e-Services, sign into Online Banking, and click All Service tab. From there you can click on e-Services and click on the Cancel Services tab. Once you confirm this action, statements and letters will be sent by mail. This action will also stop Alerts from being sent. Alerts will not be generated by mail.

 

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Do I have to be enrolled in Online Banking to use the mobile app? What type of phone or tablet do I need? What transactions can I perform?  How much does the Mobile App cost? Is it safe to access my accounts using this technology? Why am I getting a blank white screen. What's wrong?                 Go Back Do I have to be enrolled in Online Banking to use the mobile app? Yes, you must have already registered for Online Banking to access your account via the mobile app.   Go Back What type of phone or tablet do I need?  Any phone or tablet with Apple iOS or Android.   Go Back What transactions can I perform? You can check your account balances, view account history details, view cleared checks, use and manage online bill pay, deposit checks, transfer funds between your account and other member accounts.   Go Back How much does the mobile app cost?  There is no fee for the app. However, your wireless service provider may charge additional fees for internet access and/or for the bandwidth used.   Go Back Is it safe to access my accounts using this technology? Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway is encrypted using the Secure Socket Layer (SSL).   Go Back Why am I getting a blank white screen. What's wrong? Verify if you can access any other websites on your device. If you cannot, please restart your device to reset your internet connection and try again. If you are still having difficulty, please call your mobile carrier.   Go Back    

Why am I getting a new card?

With the addition of the EMV chip there is now an added level of security and wider acceptance.

 

How does the chip enhance security?

“Chipped” cards create a unique transaction number for every purchase. Even if a hacker can steal that unique number the card would be denied if they tried to use it again.

 

Does my new card have a different card number?
Your card number will remain the same although your expiration date and 3-digit CVV security code will change.

 

Can I still pay bills automatically?

Yes; However you will need to update your expiration date and CVV security code with any merchants who currently bill your account automatically once your new card arrives.

 

How long  can I keep using my old card?

Your old card can be used until the new card is activated or 45 days from the date your new card was mailed.

 

What if the merchant doesn’t have a new card reader?

Your card will still have a magnetic stripe for use at traditional readers

 

 

Where can I go for more information?

http://gochipcard.com or call us (510) 690-6100.

Regulation D Information This regulation only affects Savings Accounts and Money Market Accounts. Checking accounts are transaction accounts and are not affected by this regulation. What is Regulation D?   Federal Regulation D places a monthly limit on the number of transfers a member may make from a Savings Account or Money Market Account without a physical presence being required.

• Transfers affected by this regulation include:
• Transfers made using Online Banking
• Transfers made using Telephone Banking
• Overdraft transfers (made automatically to cover insufficient funds in other accounts)
• Telephone transfers made by a Member Service Representative on your behalf
• Pre-authorized, automatic scheduled or recurring transfers

Members are allowed six such transfers per month, per account What transactions are not affected by Regulation D  

• ATM transactions
• Transfers made to Bay Cities Credit Union Loans
• Transactions done in person at the Credit Union or a Shared Branch
• Transactions sent in by mail with an original signature

What are the options once the account has reached its Regulation D limit?  

• The member may complete withdrawals and transfers in person, by mail, or at an ATM.

  If an account used for Overdraft Protection has reached its Regulation D limit, will overdraft request be honored?  

• No, if the Overdraft Protection account is a Savings Account or MMA. In that case, the member will receive a notice by mail and incur an Insufficient Funds charge for every overdraft attempted beyond the monthly limit. However, if the Overdraft Protection account is a Line-of-Credit loan (which is not affected by Regulation D) the overdraft will complete normally.

  If the member has authorized a merchant to automatically withdraw payments from the Savings Account or MMA; do theses count against the monthly limit?  

• Yes. These payments (which might be known as “ACH” or “EFT” transactions) follow Regulation D limitations. Any withdrawals attempted beyond the monthly limit will not be honored, and the member will receive a notice by mail and incur an Insufficient Funds charge. To avoid this situation, the member should make automatic payments using something other than a Savings Account or MMA, such as a checking account.

    To avoid exceeding Regulation D limits on non-transaction accounts:

• Make recurring electronic payments from your checking account instead of your savings.
• Keep sufficient balances in your checking account to avoid overdrafts.
• Use a line of credit (e.g., Overdraft line of credit, Visa, Signature line of credit) for overdraft protection instead of a savings account.

If you have any questions please contact Member Services.  

FAQ

Regulation D Frequently Asked Questions Q: What is Regulation D? A: Federal Regulation D places a monthly limit on the number of transfers you may make from your Savings Accounts or Money Market Accounts without your physical presence being required. Transfers affected by this regulation therefore include:

• Transfers made using Online Banking
• Transfers made using Telephone Banking
• Overdraft transfers (made automatically to cover insufficient funds in other accounts)
• Transfers made by a Member Service Representative on your behalf
• Pre-authorized, automatic, scheduled or recurring transfers

You are allowed six such transfers per month, per account.   Q: If I have reached my Regulation D limit and still need to transfer fund, how may I do that? A: You may perform unlimited transfers in person, by mail and by ATM.   Q: If I have three Savings accounts at the Credit Union, does the six transaction limit apply to each account? Are transfers aggregated from all three accounts in determining the six transaction limit? A: The six transaction limit applies to each one provided the accounts were not established for the sole purpose of avoiding Regulation D compliance.   Q: Does Regulation D apply if I arrange for automatic debit withdrawals directly with a third party to pay for phone service, newspaper delivery, cable, etc.? A: If you arrange for automatic withdrawals from your Savings for a utility or subscription service, etc., these transactions are impacted by Regulation D. To avoid this, please set up all automatic withdrawals to come out of your checking. Or, take advantage of the online Bill Pay service to schedule the payments from your checking account.   Q: Does Regulation D apply to the use of Visa Check Cards at gas stations, grocery stores, restaurants, and the like? A: When you use your Visa Check Card for a point of sale transaction at a gas station or retailer, the funds are debited from your checking account, which means that the transaction is not subject to Regulation D.   Q: Will I be charged a fee for going over my limit of six transactions per month? A: Yes, the credit union will assess a $20 Excessive Transaction Fee for each transaction that exceeds the transaction limits. This fee will be assessed regardless of whether the credit union pays the transfer or returns the transfer unpaid.   Q: If an account used for Overdraft Protection has reached its Regulation D limit, will overdraft requests be honored? A: No, if the Overdraft Protection account is a Savings Account or Money Market Account. In that case, you will receive a notice by mail and incur an Excessive Transaction Charge for every overdraft attempted beyond your monthly limit. However, if the Overdraft Protection account is a Line-of-Credit loan (which is not affected by Regulation D) the overdraft will complete normally.   ADDITIONAL TIPS  

1. Plan ahead and make one large transfer instead of several small transfers. Each Regulation D transfer counts as one transaction, no matter what the amount. You may utilize an ATM to transfer funds between your accounts to avoid Regulation D.
2. Consider visiting a branch office (including a shared branch office), using an ATM or mailing your transfer request. These transfers are not limited.
3. Have your Direct Deposit sent to your checking account. You may transfer excess funds to your Savings without limit.
4. Open an Overdraft Line-of-Credit loan to be used to transfer funds to your checking account in the event of insufficient funds.

  For more information please visit https://www.fdic.gov/regulations/laws/rules/7500-500.html