Your Money is Safe

    Your Money id Safe Your Money is Safe

     

     Savings in every federally insured credit union are backed by the National Credit Union Share Insurance Fund (NCUSIF), a fund maintained by the U.S. Treasury.The NCUSIF is administered by the National Credit Union Administration, an agency of the federal government. This agency insures your accounts at TECU.  Your account is now insured up to $250,000.  However, it is important to understand that, depending on the type and ownership of accounts that you have with TECU, your may have additional insurance coverage.

    To learn more contact Member Services.

    Questions Frequently Asked Questions

     

    I was connected to the application earlier today but am unable to connect again. The error message indicates it is unable to locate the server. What do I do?

    First, confirm that you are able to access other sites successfully. If not, contact your Internet Service Provider for assistance. Second, confirm that the URL address you typed is correct, and that you specified HTTPS at the beginning. If that doesn’t correct the problem, then it may mean that the home banking site has unexpectedly gone off-line. In this case, please contact customer service for assistance, or simply try your request again at a later time.

    Once I have selected Help, how do I return to the application?

    Use the “Back” function of your browser to return to your original location.

    How do I configure my modem and PC to connect to the Web application?

    If you are already “surfing” the Web successfully, then no additional work should be required to access this home banking site. You only need to specify the correct URL address. If you are not yet connected to the Internet, then contact an Internet Service Provider (ISP) for more information. An ISP can give you access to the World Wide Web (WWW), which you need for access to this home banking site.

    My friend uses another financial institution and is on the Internet doing his banking. Can I use the same address he does and get on the system?

    No. Most home banking sites are Institution specific, meaning that they only allow access to their own users.

    When trying to access the home banking site I entered the address of http://www.netit.financial-net.com/....etc., but it says “can’t find address.” What’s wrong?

    Replace the HTTP with HTTPS in the URL address line of your browser. The “S” represents “secure” and it is required to access the home banking site in a secure environment. See About Security for more information.

    I had named my financial accounts in the PC Windows interface. What happened to them?

    The PC Windows application has the capability to store the account names locally on your PC. With an Internet-based application such as this one, it is not practical to store this information permanently on your PC. For that reason, the information is not available when using the Internet.

    I keep getting messages about receiving a “cookie.” What is a cookie and how do I disable the warning message?

    Cookies are small pieces of information, sent from the server, to be stored in a file on your computer. Cookies can be used for many purposes, but at our site, a cookie is used to store security information needed to maintain a secure, confidential connection to our Internet server. You can disable the cookie warning message in Netscape Navigator by selecting Options, Network Preferences, Protocols, and un-checking the “Accepting a cookie” box. In Internet Explorer, select View, Options, Advanced, and un-check the “Warn before accepting cookies” box.

    Can I use the “Back” feature of the browser to go to a page that I have already been on, or do I need to use the menus to get there? Will it work the same or cause a problem?

    Yes, you can use the "Back" feature to return to prior pages and it will work fine. However, for security reasons, some pages automatically expire so that you cannot return to them. If you encounter this, simply use the menus to go to the location you wish.

    I was using the system and it prompted me to log on again.

    Outside of the Help pages, if several minutes elapse without any activity from you, the system will end your session and not allow anymore transactions until you enter your user information again. This is one measure to ensure others cannot perform transactions on your account should you step away from your computer or fail to properly exit the system when finished. See About Security for more information.

    Security Framework Security Framework

    There are several levels of security within our security framework.

    User Level deals with cryptography and Netscape’s Secure Sockets Layer (SSL) protocol, and is the first line of defense used by all customers accessing our Home Banking Server from the public Internet.

    There are several components of User Level security that ensure the confidentiality of information sent across the public Internet. The first requires your use of a fully SSL-compliant browser such as Netscape Navigator or Microsoft Internet Explorer. SSL is an open protocol developed by Netscape that allows a user’s browser to establish a secure channel for communicating with our Internet server. SSL utilizes highly effective cryptography techniques between your browser and our server to ensure that the information being passed is authentic, cannot be deciphered, and has not been altered en route. SSL also utilizes a digitally signed certificate which ensures that you are truly communicating with the Home Banking Server and not a third party trying to intercept the transaction.

    After a secure connection has been established between your browser and our server, you then provide a valid User ID and Security Code to gain access to the services. This information is encrypted, and a request to log on to the system is processed. Although SSL utilizes proven cryptography techniques, it is important to protect your User ID and Security Code from others. We recommend using a full 8-digit Security Code and changing it often. Session time-outs, a limit on the number of logon attempts, forced Security Code change intervals, and special browser caching techniques are examples of other security measures in place to ensure that inappropriate activity is prohibited at the User Level.

    Server Level focuses on firewalls, filtering routers, and our trusted operating system. All transactions sent to our Home Banking Server must first pass through a filtering router system

    These filtering routers automatically direct the request to the appropriate server after ensuring the access type is through a secured browser and nothing else. The routers verify the source and destination of each network packet, and manage the authorization process of letting packets through. The filtering routers also prohibit all other types of Internet access methods at this point. This process blocks all non-secured activity and defends against inappropriate access to the server.

    Host Level deals specifically with our home banking and bill payment services, and the processing of secure financial transactions.

    After passing through the Home Banking Server, the transaction is sent via secure dedicated communication lines to our Transaction Server which verifies customer identity. Once authenticated, the customer is allowed to process authorized home banking and bill payment transactions using host data. No direct database access occurs between the Home Banking Server and the Transaction Server. Only specific transactions in the proprietary format are allowed into the Transaction Server

    Protocol conversions have also been implemented to ensure that information does not remain in a single state of existence, further securing the information at any given point in the transaction process. In addition, communication time-outs ensure that the request is received, processed, and delivered within a given time frame. Any outside attempt to delay or alter the process will fail. Further password encryption techniques are implemented at the host level, as well as additional security logging and another complete physical security layer to protect the host information itself. User Responsibilities

    While we continue to evaluate and implement the latest improvements in Internet security technology, users of the home banking system also have responsibility for the security of their information and should always follow the recommendations listed below: Utilize the latest version of either Netscape Navigator or Microsoft Internet Explorer. The home banking system is best viewed and is most secure when you use one of these two browsers, as they are both certified for use at our site. Your Security Code must be kept confidential. Utilize a full 8-digit Security Code and change it frequently to ensure that the information cannot be guessed or used by others. Be sure others are not watching you enter information on the keyboard when using the system.

    The Home Banking Server is protected using the latest and most powerful firewall platform. This platform is based on a government-rated B1 trusted operating system, in use for many years by high-security government agencies including the U.S. Department of Defense. This platform defends against every kind of system intrusion and effectively isolates all but approved customer financial requests. The platform secures the hardware running the home banking applications and prevents associated attacks against all systems connected to the Home Banking Server. Administration of the platform cannot occur remotely and must be initiated by authorized personnel in direct physical contact with the master console. Thus, a level of physical security has been implemented that rivals some of the most secure government facilities.

    Additional measures to ensure the security of information involve the separation of server applications from host data. This means that information of value does not physically reside on the Home Banking Server. Logging of security information occurs at all times and there is always a backup of the information logged about every attempt made to access the system. These security logs allow us to constantly monitor for a wide range of anomalies and to determine if attempts have been made to breach our security framework.

     

     

    User Responsibilities

    • Never leave your computer unattended while logged on to the home banking system. Others may approach your computer and gain access to your account information if you walk away. Click Exit when you are finished using the system to properly end your session. Once a session has been ended, no further transactions can be processed until you log on to the system again. Close your browser when you are finished, so that others cannot view any account information displayed on your computer.
    • Keep your computer free of viruses. Use virus protection software to routinely check for a virus on your computer. Never allow a virus to remain on your computer while accessing the home banking system. When you follow these simple security measures, your interaction with the home banking system will be completely confidential.

     

    We look forward to serving your home banking and bill payment needs both today and into the future - securely!