You can call it online banking.
Creighton Federal's internet based online banking system combines 24x7 account access from any location with ultra-convenience. With the member-friendly CFCU Home Financial Services internet account access system (online banking), you can be in direct contact with your credit union accounts at home, at the office... or on the road. CFCU's online banking will enable you to do all this anywhere you choose, when you choose...

• Check account balances, year-to-date-dividends, account opening and last transaction dates, and available balances.
• Review your account histories, including cleared checks deposits, withdrawals and ATM and debit card activity.
• Review loan information, such as payment amounts, payment due dates, interest rates, and total loan balances.
• Check payroll direct deposit or ACH information.
• Transfer funds between accounts, and make loan payments within the same membership accounts.
• Download account information to financial management software such as Quicken™ or MS Money™.
• Change your Personal Identification Number (PIN) for additional security. Best of all, IT'S FREE!

CFCU's Home Financial Services (online banking) is safe and secure. You pick a 7-10 alpha and numeric personal identification number (PIN) which allows access to your account. CFCU's online banking uses digital authentication through VeriSign™ ensuring that the authenticity of the software program and communications is genuine. All online banking transactions are transmitted by connecting to a secure server. Data transactions use either 40 or 128 bit encryption (or cipher text) before sending it to or from your personal computer. Finally, firewalls act as a barrier between the online banking secured server and the internet.

Apply for CFCU's FREE online banking by using the on-line registration form, or by stopping by any Creighton Federal office for an application.

At this time, we are suggesting that you hold off purchasing Quicken 2004 until the connectivity issues with our Internet banking provider (HFS) are resolved.

Creighton Federal Credit Union will continue to monitor this situation and will post information for you as we receive it.

Creighton Federal Credit Union

Windows® 95/98

• Microsoft Internet Explorer™ 3.0 or higher
• Netscape Navigator™ 3.0 or higher "Java Enabled" option in your browser must be selected for both Windows NT 4.0
• Microsoft Internet Explorer™ 3.0 or higher
• Netscape Navigator™ 3.0 or higher "Java Enabled" option in your browser must be selected for both

Macintosh Users:

• OS 7.6 or higher
• Netscape Navigator™ 3.0 or higher "Java Enabled" option in your browser must be selected

Linux (Certified using Red Hat 6.1)

• If you are using an earlier version of Linux, you may experience problems with the appearance of text. To fix this problem, you need to install a newer version of Linux or download a newer font set. For any Linux software updates you need, please contact Red Hat.

Application for Creighton Federal's Electronic Banking

Please complete this form, then print, and sign. Your signature (s) are required.
You can either mail this form to:
Creighton Federal Credit Union
2575 Dodge Street
Omaha, NE 68131-2602
or bring it in to any of our five convenient Creighton Federal offices.

(All Fields Below Must Be Completed)

(Your PIN number  is case sensitive. 7-10 characters, alpha and numeric, case sensitive, use Ø for zero.)
For your security, we advise that you do not use your social security number, address, birth date, telephone number, or other numbers which could be deciphered by another person. PIN numbers can and should be changed upon initial sign-on to this service.

I/we (hereafter "I" refers to all signatures to this agreement) request a Personal Identification Number (PIN) to access my account (s) at Creighton Federal Credit Union ("Credit Union") through the on-line service called Creighton Federal's Home Financial Services (HFS). I understand that HFS access requires use of a personal computer with internet access.

NOTE: Transfers can only occur between accounts within the membership number designated above.

By submitting this Creighton Federal Home Financial Services Registration Form, I agree to the following terms and conditions listed below:

1. The Credit Union issues the PIN for my use only. I will not transfer it to anyone else. I assume responsibility for all transactions made through HFS.
2. I acknowledge that the PIN issued to me by Creighton Federal Credit Union will be kept personal and confidential. I agree not to keep my PIN anyplace where it may be found along with my account number and to take all responsible precautions to ensure that no one else learns my PIN. At no time will I reveal or make available, directly or indirectly, the PIN to any other person.
3. The PIN is the property of the Credit Union and is subject to cancellation at any time without notice. I may cancel all PIN privileges for me and any joint owner or user by notifying the Credit Union in writing. In any event, I shall remain responsible for payment of any outstanding balances.
4. I will report, promptly upon discovery, any loss or theft of the PIN in writing to Creighton Federal Credit Union, 2575 Dodge Street, Omaha, NE 68131-2602, or by calling (402) 341-2121 or 1-800-967-1477. I will confirm any telephone notification in writing, to the address listed above, within 5 business days of making the notification.
5. My use of the PIN is subject to Creighton Federal Credit Union's regulations on all accessible accounts. I agree not to withdraw funds in excess of the balance in my account. I request access to my Overdraft Protection, if I have this service, through use of my PIN in the HFS system. I agree not to withdraw funds in excess of my Overdraft Protection limit approved by the Credit Union. If the Credit Union honors a withdrawal request for an amount in excess of my available balance or credit limit, if one exists, I agree to immediately pay the amount of the excess upon notification.
6. I agree to adhere to any limitations on dollar amounts or number of transfers as disclosed to me.
7. The Credit Union may change or rescind these rules and regulations at any time after giving required notice.
8. If a PIN is issued for a joint account, we agree to be jointly and severally liable under the terms of this Agreement. If I am a joint owner I agree that if a transaction (s) by any of my joint owner (s) is made and results in access to the other's asset accounts and/or advances from the other's Line of Credit, each joint owner authorizes the Credit Union to honor such requests and agrees to abide by the terms and conditions of the account (s), whether the accounts are in their joint names or in the individual name of any of the joint owners of this account. The terms and conditions of the asset accounts and/or Line of Credit accounts are incorporated herein by reference.
9. The Credit Union is not responsible for errors, or delays resulting from malfunction of any personal computer, modem, or computer network used to access HFS.

I acknowledge that this is my true and lawful signature under penalty of perjury:

NOTICE: You will receive an e-mail confirmation of the activation of Creighton Federal's Home Financial Services (Online Banking). Upon receipt of your HFS registration form, the service will be available for use usually within two business days.

The electronic bill paying feature of Online Banking lets you do all this... Pay almost anybody, anytime - make house payments, loan payments, pay the gas bill, the news paper, the babysitter... you name it!

Best of all, Online Bill Payer is FREE!

Q. How Do I Enroll in Bill Payer? You can enroll in person at any of our office locations, or use the Enrollment Form on this web site. Once your enrollment form is processed, you will receive a welcome e-mail which lets you know that you can begin using Bill Payer.

Q. How Do I Access CFCU's Electronic Bill Payer? You can use either your PC with internet access or a touch-tone phone for the service. Click on the HFS Bill Payer button. On the "Welcome" screen, you will see "Bill Payer", click on that button. This takes you to the HFS Bill Payer login screen. At this screen you will need to login with both a Member ID Number and a Personal Identification Number (PIN). You will select a PIN Number when you enroll. To use HFS Bill Payer from a touch-tone phone, call toll free 1-866-395-5340. You will first hear a welcome message. You will then be given two options: to pay bills, or to try a demonstration of this service. To pay bills, you will need both your Member ID and PIN number. The service will then guide you through your transaction with detailed instructions. If you need assistance, you can press "0" to speak to a Member Service Representative.

Q. How Do I Get Started? The first thing you will need to do is complete a subscriber enrollment form. Be sure all questions are answered then present your enrollment form to Creighton Federal Credit Union for processing. Next,organize all of the information about any individual, family member, friend, business, merchant or professional who generates an invoice for products or services that you want to pay through Bill Payer. Gather together the names, billing addresses and your account number with the company or individual (phone numbers are appreciated if available) then, add your payees online.

Q. How Soon Can I Start Making Payments? It takes approximately 24 to 48 hours for your enrollment form to be processed and for you to receive confirmation via e-mail. Your confirmation will contain all the information you need to begin making payments.

Q. Is There Anyone I Cannot Pay Through HFS Bill Payer? Only government taxing authorities or court directed payments such as alimony and child support. No payments outside the United States. There are limitations on payments to security companies for stock purchases or trade.

Q. How Many Payments Can I make Each Month? You can make unlimited payments by either PC or phone each month.

Q. Should The Processing Date I Give Be The Date The Payment Is Actually Due? No. You need to allow at least five business days for payments to reach your payee. Be sure to remember that, although you can schedule a payment at any time, payments are actually sent to payees only on business days.

Q. How Far In Advance Can I Schedule A Payment? You can schedule a single payment for up to 60 days in advance.

Q. How Soon Are Funds Actually Taken Out Of My Account? Bill payments are debited from your account on the processing date you requested.

Q. What Happens If I Don't Have Enough Money In My Account To Cover A Bill Payment? If funds are not available on the requested date, your bill payment will be canceled.

Q. What Is The Difference Between Variable/Single Bill Payment And A Recurring Payment? A variable/single bill payment is a one time payment such as your telephone bill where the amount fluctuates each time. Or perhaps it is a payment you do not make regularly such as a florist you use only occasionally. A recurring payment is one made regularly for the same dollar amount, on the same day each month such as your car or mortgage payment. You need only to set up a recurring payment once in the system and only again when the payment is to be changed or canceled. Otherwise, your recurring payments will be made automatically.

Q. When And How Are My Payments Delivered And How Can I Ensure That My Payee Receives My Payment By The Due Date? You may schedule payments to be initiated on the day you enter the information, on a future date or on the same date each month. Although you can enter payment information 24 hours a day 7 days a week, payments can only be initiated on business days. After funds are withdrawn from your account, we may remit your payments by electronic funds transfer, or if the biller does not accept electronic payments, by mailing your payee a check drawn on an account we maintain for this purpose, or by some other appropriate means. Because of the time it takes to remit your payment to the payee, they will not receive payment on the processing date (the date you instructed us to deduct the funds from your account). Therefore, in order to provide sufficient time for payments to be received by your payee, the processing date should be at least five (5) business days before the bill's actual due date.

Q. Why does it take up to five business days for payment? Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. Mail. Once the check is received by the payee, it may also take a day or so for that payee to process the check and post it to your account. Even for electronic payments, it may take two or three days for your account to be posted.

Q. How Close To The Original Payment Date Can I Change Or Cancel A Bill Payment? You can change or delete a bill payment up until 2:30 p.m. EST of the processing date you originally gave us.

Q. What Should I Do If A Payee Has Not Posted My Payment? First, be sure to allow the five (5) business days for a payee to receive your payment. If a payee does not post your payment within five (5) business days of the date you requested the payment to be posted, simply dial toll free 1-866-395-5340 and press "0" for subscriber services. We will follow up on the payment and get back to you within 24 hours.

Q. How Do I Add More Payees?

Under the Payee option, you will select "add a payee."From here, you will choose if this is a bill, charity donation, or gift.If we are processing a bill, select bill.The system will then ask you if you have an account number.If you do not have an account number, the system will ask for a payee name, phone number, and zip code.The bill pay system has a number of vendors that are currently stored in our system.For example, if you were to put in a payee name of your public power provider, this name will most likely be in our system.If you do have an account number, enter it in the field required.

After the proper information is entered in the system, the merchant will appear in the review section.After you have verified all the information is correct, select next.

At this time you will be given the option to do one of the following three options; edit the payee, add another payee, or make a payment to this payee.To add another payee, simply select the add a payee tab and follow the directions above.We have found it beneficial to enter as many payees as possible on your first visit, this way you have them all saved as a payee.

Q. What Do I Do With The Payment Coupon Book Or Billing Stub? These are no longer necessary items. You are welcome to just file them away if you deem appropriate.

Q. How Can I Prove Payments And Transfers Were Made? Each time you enter a payment you are given a confirmation number so you can be sure we receive your request. In addition, payments will appear on your monthly statement. Or, you may call the HFS Bill Payer system to hear a listing of your most recent transactions, or you may use the "Transaction History" on-line.

Q. How Much Does HFS "Electronic" Bill Payer Cost? Nothing. Bill Payer is a free service provided by CFCU. You do have to register for this service.

Q. How Can I Cancel My HFS "Electronic" Bill Payer Service? To make sure no payments are missed or duplicated while you're taking over bill payment yourself, you will first need to delete any pending scheduled payments. Then dial the Electronic Bill Pay line, press"0" for subscriber services and we'll be happy to take your request.

Q. What If I Have A Question And Want To Talk To A Real Person? If using the Electronic Bill Pay service by touch-tone phone, you can reach a subscriber service representative by pressing "0". Otherwise, you may call toll free 1-866-395-5340 Subscriber Service's hours are 7:30 a.m. to 5:30 p.m. Monday through Friday, EST. If calling outside of these hours, simply leave us a message and we'll call you back on the next business day. We are closed on Federal Holidays.

Q. How Can I Be Sure No One Else Can Access My Bill Paying Service? You will access the system by entering the Subscriber ID and PIN chosen by you. Only individuals with this information can access your account. Be certain not to release this information to anyone you do not want to fully authorize as a user on your account.

Q. How Secure Is HFS "Electronic" Bill Payer Processing? We understand how important protecting your personal information is and financial transaction information ranks highly on that list of priorities. That's why we've gone to great lengths in ensuring that your interaction with iPay Technologies, LLC online is protected through world-class security practices. You may or may not be aware that standard email services are not secured and therefore, should never be used to communicate any information that may be viewed as private.

For this reason, we have created the Messaging Center. The Messaging Center has been designed to provide you with a fast, convenient and most importantly, highly secured method of contacting our support center. All messages are initiated and presented behind 128-bit SSL encryption to support the added protection of login authentication.

Our websites are hosted within a highly hardened network which makes use of firewalls, intrusion prevention and detection systems and many other devices and processes configured to protect your personal information. While email notifications are available to let you know that you have a new message waiting in the Messaging Center, these notifications contain no private information and will simply ask you to log into your online banking site to read the new message.