Home Banking (HFS) will be down for 1.25 Hours during Check Processing and End Of Day Processing Monday through Friday and during End of Month Processing. Members will not be able to view the HFS site or log into their accounts online during this time period.
Fee Schedule Changes on March 1, 2008!
Access the new Fee Schedule by hovering over the Rates button on the left or Click here!.
March 1, 2008 Overdraft Advance (Courtesy Pay) limit increased from $400 to $600.
Most members with Overdraft Advance or "Courtesy Pay" with current limit of $400 have been increased to $600 or Check here!
Since January 28, 2008, Member Deposits and Payments have been cleared electronically.
Known as Check 21, a federal act, is desinged to improve the efficiency of our nation's check clearing system by encouraging electronic check processing by all financial institutions. See more in the Products section or Click here!
Del Rio Branch Office Closed on January 1, 2008 but credit union services will not be Gone!
See the "What's New" Section of this Web Site for a NOTICE from the President, Richard D. Lynch, to the general membership regarding the closing. Click here!
New Log In Procedures For Home Banking!
In October, 2006, everyone using home banking will need to set up new log-in procedures that are mandated for most Financial Institutions by our federal regulators. The old user name and password are not enough anymore. There is an article in the Fall'06 Newsletter. Your personal information is very important to us. These security log-in enhancements will help us protect your personal data and combat the ever increasing threats of identity theft and phishing scams. Click here for new log in procedures.
Bill Payer System:
Use your home computer to pay your bills online. Currently, there is no monthly service charge fee for members who use the bill payer system with at least 2 transactions per month; otherwise there is a $6.50 per month for inactive accounts. Also, there is a $25 fee for payment confirmation investigations, stop payment transactions, and having non-sufficient funds (NSF). Enrollment is online, use the Bill Pay button on the left. You will be asked personal questions. This helps to maintain your account and enables Bill Pay to efficiently process your payments. This information is only used for making payments within the payment center. You have to have a checking account with St. Joseph's CU because transactions will be directed to the checking account. For support, call 888-868-5193 or email: paymentcenter@eds.com.
Business Center Services:
Small business owners, now there are various administrative business support programs available: Payroll Services, Credit Card Merchant Processing, Equipment Leasing, Credit Lines & SBA Approved Loans, Private Label Credit Programs, Check deposits from your office to your account at SJCU, and many more. Enrollment is online, use the "Business Service" button on the left.
AlertMe Credit Report Monitoring:
AlertMe is a service that monitors your credit profile at the Experian credit bureau for material changes such as a new account, new address, delinquency, new credit report inquiry, judgments and liens. If such a change occurs, you will be notified by mail or e-mail of the change. Specifics of the change can be retrieved on their website in a secure manner if you are an e-mail subscriber. This is an excellent "early warning" tool to have to fight back against identity theft. For a nominal fee, AlertMe monitors your credit report and quickly advises you of any sudden changes. This will help you take corrective action sooner, saving you frustration, time, and money. Enrollment is online, use the "AlertMe Credit Service" button on the left.
Home Banking or Online Banking (HFS) is Here
