The latest operating system and browser version is recommended for all platforms. You are solely responsible for obtaining, maintaining, upgrading and operating your ISP and any associated software. We are not responsible for any loss, damage or claim caused by your ISP, any related software, or your computer communication equipment.

The credit union does not secure the Internet, nor control your transaction or transmission over the Internet, or provide protection for email or data transfer using your personal computer; and shall not be liable for any loss, harm, or fraud as result of your computer or mobile device acquiring a virus or malicious code.

We value your trust in us to ensure that your personal and financial information is safe and secure. And, we also encourage you to become an informed and vigilant consumer who will be knowledgeable in protecting your finances and identity, as well.

Yes. This is a common concern with banking and commerce on the Internet. Data on the Internet is safeguarded by encryption as it moves between systems. Data residing on a system can only be accessed by using an authorized sign-on ID and Passcode.

Any kind of breach in the security of our systems would be a serious business issue for the credit union. Our success depends on our ability to manage these systems safely and to continue to earn your trust as our members. Please be assured that we will take every measure possible to protect the financial information and resources you have entrusted to us.

You can help safeguard your information and the online banking systems by protecting your Sign-On ID and Pass Code. A proper combination of your Sign-On ID and Pass Code is the only way to get access into your account. Please be careful to keep this information secure.

Your online account information is available through access methods which have been rigorously tested for their secure access. The information is not public. Only you can access it using your Sign-On ID and Pass Code.

If Hickam FCU Online Banking and all of our back up systems were to go down, you can be comfortable that any transaction for which you had already processed, prior to the system going down, will go through. If you were in the middle of a transaction and there is some question as to whether the system has received the request, you may feel free to contact the credit union to ensure your transaction request has been accepted.

You can access the following types of accounts:

• Checking
• Savings
• Loan
• Certificates

Yes. You can link all of your checking accounts to Hickam FCU Online Banking.

All transactions and balance updates are performed once per day. So any transactions you perform today that change your balance (i.e. deposits, ATM withdrawals), will be reflected the following business day.

Each payment made by Hickam FCU Online Banking bill payment will be processed either by check or by electronic funds transfer. Payments made by check, will be delivered via the postal service. Delivery could take several days depending on where the payment is to be sent. The safest thing is to always schedule your payments at least seven business days ahead of the date they are due. This will ensure that the payment will be made and processed in time.

No. You need to allow some time for the payment to reach your payee, so enter a date before the actual due date. Be sure to take into account that, although you can schedule a payment at any time, payments are actually initiated (sent to the payee) only on business days.

If your account has sufficient overdraft protection to cover the payment, we'll draw against that. Otherwise, the scheduled bill payment will not be processed.

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 it 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 payment to be posted. By allowing a few days for processing and delivery, we can guarantee that your bills are paid on time.

With each payment and transfer, you are given a reference number so you know we received it. In addition, payments and transfers will appear on your transaction register so you can see they posted. You'll also continue to receive your monthly statement in the mail from your payee.

We use two methods of payment:

• Electronic - Hickam FCU Online Banking bill payment sends an electronic credit to your payee and electronically debits your checking account on your scheduled payment date.
• Laser Draft - looks and acts just like one of your personal checks.

No. Hickam FCU Online Banking bill payment will process the payment electronically if possible. If not, then an Online Check is produced. Over time, some payees which could not accept electronic payment may be able to. They will then begin being paid electronically.

Yes, per transaction limit is $5,000.00.