Frequently Asked Questions

  • Bill Pay

    • You will receive notification via e-mail generally within an hour, that your payment authorization has been processed.

       

    • The confidentiality of our members/owners account information is a primary concern for your credit union and we have built a security system within our Online Banking Bill Payer that safeguards your money and keeps your account information private.

       

      • We use several layers of technology to prevent unauthorized users from gaining access to our Online Banking network. Our security professionals manage a sophisticated networking architecture that includes screening routers, filtering routers, and firewalls. In addition, we use software from Netscape Communications that incorporates full RSA data encryption to ensure security and privacy of transactions.

      • We make sure all Online Banking sessions are encrypted. This means your password, as well as all information relating to you and your accounts employ the transformation of data into a format that can be safely transmitted, without fear of anyone intercepting and reading the information.



       

    • Online Banking Bill Payer is FREE* no matter how many bills you pay per month. If there are insufficient funds in your account to cover the bill, you will be charged a $32 fee assessed by Check Free. Returned check fees may also apply from Y-12 Federal Credit Union.

    • There is support on a 24/7 basis by calling 1-888-518-7446. You may also call our Y-12 FCU Home Banking Line by calling 865-481-4999 or 1-800-482-1043, Monday - Friday from 8:30am to 5:30pm. You may also email us at OnlineBanking@y12fcu.org. If we cannot resolve your problem when you call, we will take the necessary information and contact you with an answer the following business day.

    • The Online Banking Bill Payer Service will be available seven days a week, 24 hours a day. However, at certain times such as, quarter and year-end processing or system maintenance, the system may be unavailable.

    • Please have the following information when calling:

      • Your Bill Pay Member ID

      • The payee name, scheduled payment amount and date

      • The confirmation number you received when setting up your payment.

    • Sign on to your Online Banking account and choose Online Banking Bill Payment Options. Follow the instructions to register and set up your payees.

    • Y-12 Federal Credit Union takes numerous steps to keep your account information secure, but you also play a vital role in maintaining the security of your information.

      • Use the latest browser versions available. You may visit the browser sites to obtain additional information about security associated with our level of browser software.

      • Never reveal your password. Change your password often to ensure secure access to your account(s). You can easily change your password under the Settings area within Online Banking.

      • Make sure that no one is physically watching as you enter your password.

      • Remember to sign out of the Online Banking Bill Payer and Online Banking service when leaving the computer. If the computer is left unattended and a valid User I.D. and Password have been entered, anyone can view and even perform transactions.

      • Our Online Banking Bill Payer Service may be used in 15-minute increments to ensure the security of your account.

      Contact us immediately if you feel someone other than yourself has obtained access. Upon account verification, we can provide you with the ability to access your account and allow you to select your new password.

    • Requirements for using Bill Payer service include:

      • Internet Access

      • Use of major browser

    • You can pay bills from your Y12 FCU checking account.

  • eAlerts

    • eAlerts are emails sent to you to notify you of certain transactions or events happening on your account.
      Each eAlert can be sent to multiple email or cellular phone addresses within minutes of the actual transaction.

    • Click the "Add eAlert" image to begin. Choose the type of eAlert you would like to set up from the dropdown.

    • Email Addresses, Cellular Phone Addresses, Notification Times, Detail Level, and Nickname can all be assigned default values by defining your account's Default eAlert Settings. These default values will be pre-filled each time you add a new eAlert to your account, making the process even quicker and easier.

    • Once you define your Default eAlert Settings, any future eAlerts you add will have the default values you specify pre-filled wherever they are appropriate. You can overwrite these defaults on any eAlert at the time of addition if you'd like.

    • Click the "Edit" image:  

      This can be found next to the eAlert you would like to change. This will bring up a form that will allow you to edit all of the details for this eAlert. Click the "Continue" button once you have completed your changes.

    • You can change your Default eAlert Settings at any time just like any other eAlert. Any changes made will not be automatically applied to eAlerts already defined on your account. You do have the option to overwrite all of your existing eAlerts with your new Default Settings - you just need to check the "Please overwrite all my existing eAlerts with these Defaults" box when editing your Default Settings.

    • The changes will not be applied to any of your existing eAlerts automatically. You do have the option to overwrite all of your existing eAlerts with your new Default Settings - you just need to check the "Please overwrite all my existing eAlerts with these Defaults" box when editing your Default Settings.

    • Click the "Delete" image: 

      This is next to the eAlert you would like to stop receiving. This will remove this eAlert from your account. To stop receiving all eAlerts you can simply delete all eAlerts that you are signed up for.

    • Yes. You must know the email address of your cellular phone and the standard text messaging charges from your service provider will apply. Due to message length, you may receive an abbreviated version of a "Moderate" or "Specific" detail level eAlert when it is being sent to a cellular phone.
    • The email address is made up of the cellular phone's [10-digit phone number]@[service provider's gateway]. Some examples are listed below. You can check with your service provider if it is not listed.
      • 3 River Wireless
        [10-digit phone number]@sms.3rivers.net
      • ACS Wireless
        [10-digit phone number]@paging.acswireless.com
      • Alltel
        [10-digit phone number]@message.alltel.com
      • AT&T
        [10-digit phone number]@txt.att.net
      • Bell Canada
        [10-digit phone number]@txt.bellmobility.ca
      • Blue Sky Frog
        [10-digit phone number]@blueskyfrog.com
      • Bluegrass Cellular
        [10-digit phone number]@sms.bluecell.com
      • Boost Mobile
        [10-digit phone number]@myboostmobile.com
      • BPL Mobile
        [10-digit phone number]@bplmobile.com
      • Carolina West Wireless
        [10-digit phone number]@cwwsms.com
      • Cellular One
        [10-digit phone number]@mobile.celloneusa.com
      • Cellular South
        [10-digit phone number]@csouth1.com
      • Centennial Wireless
        [10-digit phone number]@cwemail.com
      • CenturyTel
        [10-digit phone number]@messaging.centurytel.net
      • Cingular
        [10-digit phone number]@txt.att.net
      • Clearnet
        [10-digit phone number]@msg.clearnet.com
      • Comcast
        [10-digit phone number]@comcastpcs.textmsg.com
      • Corr Wireless Communications
        [10-digit phone number]@corrwireless.net
      • Dobson
        [10-digit phone number]@mobile.dobson.net
      • Edge Wireless
        [10-digit phone number]@sms.edgewireless.com
      • Fido
        [10-digit phone number]@fido.ca
      • Golden Telecom
        [10-digit phone number]@sms.goldentele.com
      • Helio
        [10-digit phone number]@messaging.sprintpcs.com
      • Houston Cellular
        [10-digit phone number]@text.houstoncellular.net
      • Idea Cellular
        [10-digit phone number]@ideacellular.net
      • Illinois Valley Cellular
        [10-digit phone number]@ivctext.com
      • Inland Cellular Telephone
        [10-digit phone number]@inlandlink.com
      • MCI
        [10-digit phone number]@pagemci.com
      • Metrocall
        [10-digit phone number]@page.metrocall.com
      • Metrocall 2-way
        [10-digit phone number]@my2way.com
      • Metro PCS
        [10-digit phone number]@mymetropcs.com
      • Microcell
        [10-digit phone number]@fido.ca
      • Midwest Wireless
        [10-digit phone number]@clearlydigital.com
      • Mobilcomm
        [10-digit phone number]@mobilecomm.net
      • MTS
        [10-digit phone number]@text.mtsmobility.com
      • Nextel
        [10-digit phone number]@messaging.nextel.com
      • OnlineBeep
        [10-digit phone number]@onlinebeep.net
      • PCS One
        [10-digit phone number]@pcsone.net
      • President's Choice
        [10-digit phone number]@txt.bell.ca
      • Public Service Cellular
        [10-digit phone number]@sms.pscel.com
      • Qwest
        [10-digit phone number]@qwestmp.com
      • Rogers AT&T Wireless
        [10-digit phone number]@pcs.rogers.com
      • Rogers Canada
        [10-digit phone number]@pcs.rogers.com
      • Satellink
        [10-digit phone number]@satellink.net
      • Solo Mobile
        [10-digit phone number]@txt.bell.ca
      • Southwestern Bell
        [10-digit phone number]@email.swbw.com
      • Sprint
        [10-digit phone number]@messaging.sprintpcs.com
      • Sumcom
        [10-digit phone number]@tms.suncom.com
      • Surewest Communications
        [10-digit phone number]@mobile.surewest.com
      • T-Mobile
        [10-digit phone number]@tmomail.net
      • Telus
        [10-digit phone number]@msg.telus.com
      • Tracfone
        [10-digit phone number]@txt.att.net
      • Triton
        [10-digit phone number]@tms.suncom.com
      • Unicel
        [10-digit phone number]@utext.com
      • US Cellular
        [10-digit phone number]@email.uscc.net
      • US West
        [10-digit phone number]@uswestdatamail.com
      • Verizon
        [10-digit phone number]@vtext.com
      • Virgin Mobile
        [10-digit phone number]@vmobl.com
      • Virgin Mobile Canada
        [10-digit phone number]@vmobile.ca
      • West Central Wireless
        [10-digit phone number]@sms.wcc.net
      • Western Wireless
        [10-digit phone number]@cellularonewest.com

    • On most eAlert setup screens there are two fields called "Send eAlerts From" and "Send eAlerts Until". Enter the time range you would like your eAlerts to be sent. If an eAlert is triggered outside of your chosen time range, your eAlert will be sent the following day. The exception to this is the Daily Balance eAlert. For this eAlert type you need to choose a "Notify Me At" time to be notified once a day. If you would like to receive all of your eAlerts at a specific time every day, simply set "Send eAlerts From" and "Send eAlerts Until" to the same time, making sure to choose a time during normal business hours.

       

    • In the case of the Daily Balance eAlert, you will need to choose a single time during normal business hours to be notified of your balance(s). If you would like to be notified of your balances multiple times a day, then you can set up multiple Daily Balance eAlerts.

    • Immediately. eAlerts are processed and sent in real time. You will not receive any eAlerts for transactions that occurred prior to when you set up the eAlert.

    • Yes, all eAlerts sent for the last 90 days are kept. You can view them by using the "eAlerts Sent" section at the bottom of the Setup screen. Enter a date range in the "From" and "To" boxes, select an eAlert type, then click "Show" to see your past eAlerts.

      • Default eAlert Settings
        This eAlert works at the account level and is used to define some default settings that will be pre-filled each time you add a new eAlert. These default settings include Email Addresses, Cellular Phone Addresses, Notification Times, Detail Level, and Nickname.

      • Low Balance eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        A minimum balance amount will be entered at the time of set up. You will be notified when a transaction causes the selected share balance to fall below that amount.
        There are three options to choose from:

        • Subtype 1 – Notify me only the first time.

        • Subtype 2 – Notify me for each withdrawal.

        • Subtype 3 – Notify me for any transaction.

      • Low Available Balance eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        A minimum available balance amount will be entered at the time of set up. You will be notified when a transaction causes the selected share's available balance to fall below that amount.
        There are three options to choose from:

        • Subtype 1 – Notify me only the first time.

        • Subtype 2 – Notify me for each withdrawal.

        • Subtype 3 – Notify me for any transaction.

      • Daily Balance eAlert
        This eAlert works at the share level and can be set to monitor one individual share, all draft/checking shares, all savings shares, or all shares on the account.
        You will be notified of the appropriate balance(s) once daily at a time you specify.

      • NSF eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        You will be notified each time an NSF fee is assessed to the selected share(s).

      • Courtesy Pay (CP) eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        You will be notified each time a Courtesy Pay fee is assessed on the selected share(s).

      • Overdraw Transfer (ODT) eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        You will be notified each time an Overdraw Transfer occurs on the selected share(s).

      • Insufficient Funds eAlert (combines NSF, CP, & ODT)
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        This mimics a situation in which each of the NSF, Courtesy Pay, and Overdraw Transfer eAlerts have been created on the account. When this type is chosen, all three will be checked for and sent individually according to their descriptions above so instead of individually setting up each of the NSF, Courtesy Pay, and Overdraw Transfer eAlerts you can set up one Insufficient Funds eAlert.

      • Overdraft Tolerance Changed eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        You will be notified of any change in the Overdraft Tolerance value on the selected share(s).

      • Overdraft Tolerance Added eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        You will be notified if the Overdraft Tolerance is changed from $0.00 to any value greater than $0.00 on the selected share(s).

      • Overdraft Tolerance Revoked eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        You will be notified if the Overdraft Tolerance is changed from any value greater than $0.00 to $0.00 on the selected share(s).

      • Direct Deposit Received eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        You will be notified of each Direct Deposit made to the selected share(s).

      • Automatic Withdrawal eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        You will be notified whenever an Automatic Withdrawal posts to the selected share(s).

      • Pending ACH Transaction eAlert
        This eAlert works at the account level.
        You will be notified whenever a new ACH Transaction (Automatic Withdrawal or Direct Deposit) is placed on your account as pending. Note that not all ACH transactions will be put in pending status prior to being posted. A transaction can be posted without ever triggering a Pending ACH Transaction eAlert. Transactions with an amount of $0.00 (pre-note authorization transactions) will be ignored for the purposes of this eAlert.

      • Large Withdrawal eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        A minimum withdrawal amount will be entered at the time of set up. You will be notified each time any withdrawal which equals or exceeds that amount is completed on the share(s).

      • Draft Withdrawal eAlert
        This eAlert works at the share level and can be set to monitor either one individual draft share, or all draft shares on the account.
        You will be notified each time a draft withdrawal is completed on the share(s).

      • Share Transfer eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        You will be notified each time a transfer transaction is completed on the share(s).

      • Specific Check # Cleared eAlert
        This eAlert works at the share level and must be set to monitor one individual draft share.
        A check number must be entered at the time of set up and you will then be notified when it clears. This is a one time only eAlert and will be deleted from the active list once it is sent.

      • Dividend Rate Change eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        You will be notified whenever the dividend rate is changed on the selected share(s)

      • Maturing Certificate eAlert
        This eAlert works at the share level and must be set to monitor one individual Certificate share.
        You will select how many days in advance you want to be alerted to a Certificate maturing and will receive notification accordingly.

      • Interest Rate Change eAlert
        This eAlert works at the loan level and can be set to monitor either one individual loan, or all loans on the account.
        You will be notified whenever the interest rate is changed on the selected loan(s).

      • Loan Payment Due eAlert
        This eAlert works at the loan level and must be set to monitor one individual loan.
        You will select how many days in advance you want to be alerted to a loan payment being due and will receive notification accordingly.

      • Loan Payment Made eAlert
        This eAlert works at the loan level and can be set to monitor either one individual loan, or all loans on the account.
        You will receive an eAlert each time a payment is made on the loan(s).

      • Loan Payment Change eAlert
        This eAlert works at the loan level and can be set to monitor either one individual loan, or all loans on the account.
        You will receive an eAlert whenever the payment amount on the loan is changed.

      • Loan Past Due eAlert
        This eAlert works at the loan level and must be set to monitor one individual loan.
        You will receive an eAlert if your loan's due date passes without a payment being made. You may receive this eAlert again if a payment is not made in a timely manner.

      • Mortgage Payment Due eAlert
        This eAlert works at the account level.
        You will select how many days in advance you want to be alerted to a mortgage payment being due and will receive notification accordingly. Note that if your mortgage is treated as a Loan you can use the Loan Payment Due eAlert instead.

      • Large Debit Card or ATM Transaction eAlert
        This eAlert works at the share level and must be set to monitor either one individual share, or all shares on the account.
        A minimum purchase amount will be entered at the time of set up. You will be notified each time a transaction is completed (Credit/Debit Card, POS, or ATM) using that card which equals or exceeds that amount.

      • Large Credit Card Purchase eAlert
        This eAlert works at the card level and can be set to monitor either one individual Credit Card, or all Credit Cards on the account.
        A minimum purchase amount will be entered at the time of set up. You will be notified each time the credit card is used to make a purchase which equals or exceeds that amount.

      • Low Available Credit (Credit Card) eAlert
        This eAlert works at the card level and can be set to monitor either one individual Credit Card, or all Credit Cards on the account.
        A minimum available credit amount will be entered at the time of set up. You will be notified when a transaction causes the available credit to fall below that amount.
        There are three options to choose from:

        • Subtype 1 – Notify me only the first time.

        • Subtype 2 – Notify me for each advance.

        • Subtype 3 – Notify me for any transaction.

      • Line of Credit Advance eAlert
        This eAlert works at the loan level and can be set to monitor either one individual Line of Credit loan, or all Line of Credit loans on the account.
        You will receive an eAlert each time an advance is taken against the loan(s).

      • Low Available Line of Credit (Loan) eAlert
        This eAlert works at the loan level and can be set to monitor either one individual Line of Credit loan, or all Line of Credit loans on the account.
        A minimum available credit amount will be entered at the time of set up. You will be notified when a transaction causes the available credit to fall below that amount.
        There are three options to choose from:

        • Subtype 1 – Notify me only the first time.

        • Subtype 2 – Notify me for each advance.

        • Subtype 3 – Notify me for any transaction.

      • Online Banking Access eAlert
        This eAlert works on the account level.
        You will be notified any time your account is accessed via Online Banking.

      • Online Banking Share Transaction eAlert
        This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.
        You will be notified of transactions conducted via Online Banking.
        There are three options to choose from:

        • Subtype 1 – Notify me for any deposit via Online Banking.

        • Subtype 2 – Notify me for any withdrawal via Online Banking.

        • Subtype 3 – Notify me for any transaction via Online Banking.

      • Mailing Address Change eAlert
        This eAlert works at the account level.
        You will be notified any time a change is made to the Street, City, State, Zip Code, or Extra Address fields on your account.

      • E-mail Address Change eAlert
        This eAlert works at the account level.
        You will be notified any time a change is made to either the E-mail Address or Alternate E-mail Address fields on your account.

      • Regulation D Transaction eAlert
        This eAlert works at the account level and monitors each share independently.
        Regulation D is a government regulation which, among other things, differentiates between transaction shares and non-transaction shares. Regulation D places monthly limitations on non-transaction shares, such as savings and money market shares. Transaction shares, such as checking or draft shares, are not subject to Regulation D limitations.
        This eAlert will be sent each time a transaction that qualifies under Regulation D is performed on a non-transaction share. If you choose the "Specific" detail level the eAlert will also inform you of how many such transactions have been performed thus far during the current month. Contact the Credit Union for more details and limitations on Regulation D transactions.

      • Scheduled Transfer eAlert
        This eAlert works at the account level.
        You will be notified each time a scheduled transfer completes successfully on your account.

      • Scheduled Transfer Failed eAlert
        This eAlert works at the account level.
        You will be notified each time a scheduled transfer fails to complete on your account.

    • There is absolutely no limit to the number of eAlerts you can sign up for. You can sign up for multiple types of eAlerts as well as sign up multiple times for each type of eAlert.

      For example, you can set up a low balance eAlert to be notified at home anytime your checking account balance drops below $200.00. You can then sign up for another low balance eAlert and have it email your cellular phone anytime your account balance drops below $50.00.

    • No. The types that are available to you depend on two things, the first being the types of products you have. For example, if you have no loans then the Loan Payment Due eAlert will not be offered to you. Second, the process that triggers some eAlerts will not always work correctly for everyone. If there are any that will not be sent properly 100% of the time then it will be disabled.

    • On the set up screen for the Low Balance eAlert you need to enter a dollar amount here. You will be notified when your balance drops below this value.

    • On the set up screen for the Low Available Balance eAlert you need to enter a dollar amount here. You will be notified when your available balance drops below this value.

    • On the set up screen for several eAlerts you need to enter a dollar amount here. You will be notified when a purchase is made that matches or exceeds this value.

    • On the set up screen for several eAlerts you need to enter a dollar amount here. You will be notified when your available credit drops below this value.

    • On the setup screen for the Large Withdrawal eAlert you need to enter a dollar amount here. You will be notified when a withdrawal is made that matches or exceeds this value.

    • If you would like your eAlert to contain the Transaction Time/Date, Amount, and New Balance, choose "Specific - Full Detail". You can also have limited information sent by choosing "Moderate - Some Detail" and "Generic - No Detail". Due to message length, you may receive an abbreviated version of a "Moderate" or "Specific" detail level eAlert when it is being sent to a cellular phone.

      1. Generic - No Detail
        An eAlert has been triggered on your account. Please log in to your account online to view more detail.

      2. Moderate - Some Detail
        A Large Withdrawal eAlert has been triggered on your account. Please log in to your account online to view more detail.

      • Specific - Full Detail
        A Large Withdrawal eAlert has been triggered on your account.
        You asked to be notified when a large withdrawal over $100.00 was made on your account:

          Share 01 - Withdrawal Amount: 750.00, Withdrawal Time: 10:31
            Post Date: 04/13/2006, Effective Date: 04/13/2006
            New Balance: 980.00, New Available Balance: 975.00

    • Entering an account nickname is optional. It is a way to identify an account in the eAlerts you receive. If you have the same eAlerts set up on multiple accounts, an account nickname will allow you to know which one triggered an eAlert without logging in to MCW immediately.

          **IMPORTANT** We will not send any identifying information via email. You may NOT include your account number or user name in the account nickname!

  • Mobile Banking

      1. Select Card Controls

      2. Select the card you need to edit and slide the indicator switch to the left.

      3. The following warning will appear

      4. Select OK. The indicator switch should then turn white to show that the card is inactive.

      5. In order to re-activate the card, you simply slide the indicator switch back to the right.

      Card controls are used to temporarily deactivate a debit card, to permanently close a debit card, and to notify us of your travel plans. Deactivation will freeze the debit card to new transactions. However, previously approved transactions will clear your account. The card can be reactivated at any time.

      If you mark the debit card as lost, the debit card can’t be re-opened. If your card has been lost, stolen, or compromised, please close the debit card immediately.

      **Please note that card controls will not be available during our nightly system processing.

    • Please endorse the back of your check with the words "For Mobile Deposit Only at Y-12 FCU", your signature, and your account number. Without this endorsement, the check will not be accepted.

      1. Select Mobile Deposit
      2. Choose account in which to deposit the check into.
      3. Type the amount of the check.
      4. Take a picture of the front and then back of the check.
      5. Once pictures of front and back of check are taken, click submit.

    • Yes, joint owners can access their joint accounts. Each owner must be individually enrolled in Online Banking and enroll their respective devices using their own Online Banking User ID and Password.

    • If you lose your card, you should mark your card as lost in the mobile app.

      1. Select Card Controls

      2. Select the card you have lost by clicking on it.

      3. The card information will populate. Click on "Mark As Lost and Don't Reorder".

      4. The following warning will appear. Click "Mark as Lost".

    • If you lose your phone, you should:

      • Log in to Online Banking from your PC and change your Online Banking password immediately. Even if your password is known by the person who finds your phone, or if you have saved the password in the phone, it will not work once your password is changed.

      • Report the loss to your phone carrier and ask them to disable the old phone.

      • You should also contact Member Services to let us know about the loss. We can discuss additional security options with you at that time.

      • As always, whenever there is a possibility of unauthorized access to your account you should watch your account closely to insure no unauthorized transactions appear.

    • Yes, Mobile Banking features the same high level of online security as internet banking.

      • Your User ID and Password are identical to your Online Banking account

      • All communication between Y-12 FCU and your device is encrypted by industry-standard 128-bit SSL encryption

      • The mobile device will disconnect from mobile banking after 5 minutes of inactivity

      Still, you must follow reasonable security precautions. Like any computer, your web-enabled mobile phone or device is susceptible to viruses, malicious sites and applications. Please use the same caution when opening emails, clicking on links and surfing the web with your phone as you do with your computer.

    • Yes you can. But new payees must be setup in Online banking first.

    • Yes. You should use the generally accepted security practice of "wiping" your mobile device before it is disposed of or recycled. Check with your device manufacturer or carrier for procedures specific to your device.

      1. Select Card Controls

      2. Select the card(s) you will use while traveling by clicking on them.

      3. The card information will populate. Click on "Schedule Travel".

      4. The following screen will appear. Fill in Travel Dates and Destinations and click "Submit".

      5. You will be returned to the Card Information page. Click on the back arrow at the top left corner.

      6. Click on "Scheduled Travels" and your list should populate.

      7. To cancel the travel, select the trip and hit the trash can icon in the top right hand corner of the screen.

    • You can access Mobile Banking from smartphones which run Apple and Android operating systems. Some older device (more than 3 years old) may not support all features.

    • You can transfer to another Y-12 FCU members' account.  Here are the steps:

      1. Log into Mobile Banking App

      2. Select Transfer from the menu

      3. Tap on From Account to choose the account to be debited

      4. Tap on To Account, choose Another Member’s Share, enter Recipient’s account information

      5. Enter the required fields and click submit. The Recipient’s last name must be complete last name.

      6. Verify and click Confirm


      Currently, the ability to transfer to and from another financial institution is only available with Online Banking.
       

    • All the accounts normally available to you through Y-12 FCU Online Banking are available to you through Y-12 FCU Mobile Banking.

    • You may enroll for Mobile Banking within Online Banking or in our Mobile App.

      Download from the App Store
      Download from Google Play

    • Y-12 FCU does not charge any fees to use Mobile Banking. However, your wireless service provider may charge additional fees for internet access and / or for the bandwidth used. Contact your wireless service provider to get more details on the actual cost of using your device to access the internet.

    • With Y-12 FCU Mobile Banking members can use their mobile device to:

      • view account balances

      • view transaction history

      • transfer money between your Y-12 FCU accounts

      • transfer to another financial institution

      • set up, view, pay and cancel bills

      • deposit checks with our mobile app using the camera on your mobile device 

      • Plus more!

      All terms and conditions applicable to Online Banking apply to Mobile Banking.

    • NOTE: If you enable this, anyone with access to your phone can see the balance (but not your full account number).

      • Log in to the Mobile Banking app on your phone.
      • The first screen will have your account(s) information.
      • Towards the top left of the screen, next to the word "Accounts", you will see three white lines.
      • Tap the three white lines.
      • Navigate to the very bottom of the screen and tap Settings.
      • The first option is to enable Quick Balance.
      • You can do this by tapping on the button to the right of your screen.
      • Tap OK.
      • Select the accounts you would like to display with the quick balance option.
      • Tap on the three lines again to exit the Settings screen.

    • Just simply touch the balance listed for your VISA credit card under Accounts.

    • Yes, all pending transactions are available for your review and will be listed as "pending".

    • Your VISA credit card transaction information is available as soon as you make a purchase or payment.

  • Online Banking

    • If you forgot your password, follow the steps below to retrieve it:  

      1. Navigate to the Online Banking login page.
      2. Click on "Forgot Password" and follow the prompts to reset the password. 

      If you have forgotten your user ID, contact our Member Service Center at 865-482-1043 to reset your user ID.

    • To sign in to Online Banking, follow the steps below:

      1. Go to the log in screen.
      2. Enter your Username
      3. Enter your password

      If you have not verified the device from which you are logging in, you may need to answer additional security questions that you selected during the setup process. Contact us at onlinebanking@y12fcu.org if you experience further issues.


      Forgotten Credentials

      If you have forgotten your username please contact Y-12 Federal Credit Union’s Online Banking support at (865) 481-4999 or 800-482-1043. If you have forgotten your password, use the "Forgot Password?" link.

       

       

  • Account Information

    • Your account number can be found within Online Banking, or on the bottom of your checks.

      If you have forgotten your account number or suspect your account may be compromised, please contact one of our Member Service Center representatives toll-free at 800-482-1043 or stop in at any of our branch locations to obtain your full account number. For security purposes, we will not include any account numbers via email.