Anywhere Access Internet Banking
Members with Internet access have unprecedented access to their Credit Union accounts.
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Check account balances
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Verify transactions
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Transfer funds
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Make New Mexico Educators Federal Credit Union loan payments (including auto loans and credit cards)
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See your posted check images
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View, print or save your member account statements
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View your credit card statements
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Download account information that can be imported into programs such as Quicken®
To begin banking at home, go to the home page of our website and enter your Access 24 Personal Access Code.
Related Information:
Internet Banking
Browser Security
The privacy of the communications between you (your Internet browser) and our dedicated servers for Internet Banking is ensured using encryption. Encryption scrambles messages exchanged between your browser and our Internet Banking server.
Encryption occurs in these ways: When you go to the sign-on page for Internet Banking, your browser establishes a secure session with our server. The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys. Keys are random numbers chosen for that session and are only known between your browser and our server. After the keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server. Both sides require the keys because they need to de-scramble (decrypt) the messages when they are received. The SSL protocol not only ensures privacy, but also ensures that no other website can "impersonate" New Mexico Educators Federal Credit Union's website, nor alter any of the information sent. You can tell whether your browser is in secure mode by looking for the secured lock symbol at the bottom of your browser window.
Internet Banking
128-bit Encryption
The numbers used as encryption keys are analogous to combination locks. The strength of encryption is based on the number of possible combinations that a lock can have. As the number of possible combinations grows, it becomes less likely that anyone would be able to guess the combination in order to decrypt the message. Today's browsers offer 40-bit encryption or 128-bit encryption. Although both result in a large number of possible combinations (240 and 2,128 respectively), for your protection, New Mexico Educators Federal Credit Union servers require the browser to connect at 128-bit encryption. Users are therefore unable to access Internet Banking functions at your Credit Union at lesser encryption levels. This might require you to upgrade your browser to the stronger encryption level in order to take advantage of our Internet Banking.
How do I know if my browser supports 128-bit encryption?
If you use one of the supported browsers, you may determine if your browser supports 128-bit encryption by clicking on "Help" in the toolbar of your Internet browser and then clicking on "About [browser name]." A pop-up box or window will be displayed. For Internet Explorer, next to "Cipher strength," you should see "128-bit." For Netscape, the following text should appear: "This version supports high-grade (128-bit) security with RSA Public Key Cryptography." For Mozilla Firefox, look for the browser identification line and pay particular attention to this portion "...(Windows; U; Windows NT...)." The "U" means it uses U.S. encryption or 128-bit. An "I" means it uses international encryption and is only 40-bit.
We recommend that you update your browser to the latest version to ensure you are protected by the latest security technology.
Internet Banking
Password Verification
It is also important to verify that only authorized persons log into Internet Banking. This is achieved by verifying your password. When you submit your password, it is compared with the password New Mexico Educators Federal Credit Union has stored in our secure data center. We allow you to enter your password incorrectly a limited number of times. If you enter your password incorrectly too many times, your Internet Banking account will be locked until you call us to reinitialize the account.
We monitor and record "bad login" attempts to detect any suspicious activity (i.e., someone trying to guess your password). You play a crucial role in preventing others from logging into your account. Never use passwords that are easy to guess. Examples of bad passwords are birth dates, first names, pet names, addresses, phone numbers, Social Security numbers, etc. Never reveal your password to another person. You should periodically change your password in the User Option screen of PC Connection.
Internet Banking
E-Mail Address Verification
To verify and/or change your e-mail address in Internet Banking:
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Click on "User Options."
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Click on "E-mail Address" from the list of options.
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Your current e-mail address is listed in "Email Address" box. If no changes are needed, you can exit Internet Banking.
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If you need to change the e-mail address listed under your "User Options," re-type your e-mail address in the "Email Address" box and then click on the "Change E-mail Address" button.
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You should get this message: Your email address has been successfully changed.
To verify your e-mail address in Online Bill Payer Service:
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Click on "Bill Payer."
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On the main Bill Payer screen, click on "Profile."
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Click on "Personal Information."
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Verify that the e-mail address listed is correct.
If you need to have the e-mail address changed, please contact the HelpLine at 889-7755 (800-347-2838 from outside the Albuquerque area) for assistance. Personal telephone service is available Monday-Friday 7:30 a.m. - 6:00 p.m. and Saturday 9:00 a.m - 2:00 p.m. MST.
Internet Banking
Additional Security Features
New Mexico Educators Federal Credit Union provides a number of additional security features in Internet Banking. PC Connection will "time out" after a specified period of inactivity. This prevents curious people from continuing your Internet Banking session in case you have left your computer unattended without logging out. You may set the timeout period in the User Options screen of Internet Banking. However, we recommend that you always sign off (log out) when you are done with your Internet Banking session.
The network architecture used to provide our Internet Banking service was designed by the brightest minds in network technology. While the architecture is too complex to explain here, it is important to point out that the computers that store your actual account information are not hooked up to the Internet. The transactions that you initiate through the Internet are received by our Internet Banking Web servers. These Web servers route your transaction through firewall servers, which act as a traffic cop between segments of our Internet Banking network used to store information and the public Internet. This configuration isolates the publicly accessible Web servers from data stored on our Internet Banking servers and ensures that only authorized requests are processed. Various access control mechanisms, including intrusion detection and anti-virus, monitor for and protect our systems from potential malicious activity.
Internet Banking
e-Statements FAQs
When am I able to get my e-Statement?
One to two days sooner than you would get your paper statement in the mail.
Do I need Adobe Reader in order to view my e-Statement?
Yes. Adobe Reader is required in order to view, print, or save your statement. Use the "Get Acrobat Reader" link if necessary to get a free download of the correct version for your computer.
Are there any fees associated with e-Statements?
No.
How many months of my account history can I access at one time?
18 months.
How will I know when my statement is ready?
You can opt to receive an e-mail notice by clicking on "User Options" and set "E-mail Notification" to "YES." Or check your statement in Internet Banking whenever you check your accounts or Bill Payer.
What does "User Options" mean?
You can make changes in your e-mail address, choose to receive an e-mail alert that your monthly statement is ready, and choose not to receive mailed paper statements.
How can I discontinue having paper statements mailed to me?
Click on "User Options" and set "Print Notification" to "NO."
What does "Include in Batch Print" mean?
"Include in Batch Print" allows you to print more than one statement at a time, and to make text searches within multiple statements. For instance, you might wish to find every transaction made at Walgreens for the last six months. "Include in Batch Print" would allow you to do this. Click the check box for each statement to be included in the batch and then click the Batch Print icon at the top of that column. Each statement is then included in a single multi-page PDF document. Use the "Find" feature in Adobe Reader to then locate every instance of "Walgreens" within these statements.
When I click back and forth from one page to another, why do I receive the message, "This page contains secure and non-secure items?"
This message is part of browser security and lets you know the e-statements Web site is secure.
