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FCCS Online FAQs

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Frequently Asked Questions

Registering for Access to FCCS Online
Passwords
Logging In
Screen Display
Transacting (including statements)
BPAY
Miscellaneous
Browser Requirements
Information for Apple Macintosh and iMac Users
Microsoft Windows XP (XP) operating system
Handy Browser Hints


Registering for Access to FCCS Online

Q: How do I register for the FCCS Online Internet banking service?
A:
Simply log on to www.fccs.com.au and download an application form or contact any FCCS Credit Union Member Service Centre. You must complete the registration form and return it to FCCS Credit Union PO Box 1130, Geelong, Victoria, 3220 or bring it into FCCS Credit Union, 107 Gheringhap Street, Geelong.

Downloading the application form: If your web browser is configured to display Acrobat documents it will display the application form, which you can print, complete and send to FCCS Credit Union as above. If your browser is not configured for this you will see a dialogue box asking if you would like to save the file. Click 'SAVE' and select a location, then re-open the file whilst from Acrobat Reader and then print, complete and send to FCCS Credit Union as above. We will contact you within 48 hours of receiving your application form to advise you of your temporary password.

 

Q: When I try to download the application form my PC freezes or comes up with an error. What can I do?
A:
To view and print the application form, you need Adobe Acrobat Reader. This is free software that lets you read and print Adobe Portable Document Format (PDF) files. If you do not have Acrobat Reader, follow this link to the Adobe website to download the latest version.
www.adobe.com.au/products/acrobat/readstep.html

Q: After filling in my application form to join FCCS Online, how long will it take before I can use online banking?
A:
You will receive an email from us confirming your application, usually within 48 hours. Then log in to FCCS Online, and key in your member number and temporary password. ^

Passwords
You will be prompted to change your password every 90 days.

Q: How many times can I attempt to log in with my password?
A:
FCCS Online will allow three login attempts before cancelling access. Contact 1300 361 555 for further information.

Q: Sometimes the system rejects what I have chosen as my new password. Why is that?
A:
Here are some rules for passwords:

• Passwords must be at least 5 characters long and no more than 12 characters.
• They cannot consist only of letters of the alphabet and must contain at least 1 number.
• They cannot have any blanks, or spaces, embedded in them. ^

 

Logging In

Q: Why are my Member Number and password not being accepted?
A:
The most likely reason is that you have typed your user name or password incorrectly. You must type your password exactly as you did when you changed it. Check your Number Lock Key! For more information about passwords please refer to the Question "Sometimes the service rejects what I have chosen as my new password. Why is that?".

Another reason could be that your browser's Internet Options or Preferences settings do not allow acceptance of cookies. For more information about cookies please click the Browser Requirements hyperlink on the login screen to refer Browser Requirements information.

Q: How many times can I attempt to log in with my password?
A:
FCCS Online will allow three login attempts before cancelling access. Contact 1300 361 555 for further information.

Q: Why do I get a blank white screen after login?
A:
At this stage the system is 'thinking' and gathering your member details. A loading screen will appear shortly, followed by your Account Summary details. During times of heavy network traffic you may need to allow a few minutes for this to display. We apologise for any inconvenience.

Q: When I enter my member number and password and click the Sign In button, the boxes clear. Why is this?
A:
There may not be a problem. When you enter your details the screen clears momentarily for privacy and security reasons. The Internet banking system should appear at your “Welcome Page” within 10 seconds. Alternatively, if the screen seems to freeze then your browser might not have the high level of security encryption required to access online banking. For more information click the Browser hyperlink on the FCCS Credit Union website information screen. ^

Screen Display

Q: Why do I always need to scroll down to see the full screen on each option?
A:
This may be because your display settings are set to a resolution of less than 800 x 600. You can check these via the "Control Panel" display settings if you are using a Microsoft Windows operating system. If you are unsure of how to check or modify your display settings please contact your PC maintenance service or the dealer from whom you purchased the PC.

This may also occur because you have added a toolbar to the window display. If you are unsure of how to check this, please contact your PC maintenance service or the dealer from whom you purchased the PC.

Q: The calendar I use to select dates for Transaction History or Download Transactions inserts year 2100 instead of 2000. Why is that?
A:
Most probably, your PC is not Y2K compliant. Either ask your PC maintenance service or the dealer from whom you purchased the PC to check it for Y2K compliance, or type the date in the To Date and From Date boxes instead of using the calendar facility.

Q: Why is it that some boxes or buttons on my browser's window are not displayed correctly?
A:
Your PC could be running out of assigned memory. Close down some other applications you have open, to free up memory. Your display settings may not be correct for your monitor, or you may not be using the correct driver for your monitor. Please contact your PC maintenance service or the dealer from whom you purchased the PC. ^


Transacting (including statements)

Q: What is a transaction list?
A: A transaction list is a list of all your transactions over a period of time that you select. It is similar to a statement. (Note: This account transaction list does not constitute the account statement FCCS Credit Union is required to issue to you in accordance with the terms and conditions applicable to your account.)

Q: How far back can I print off my account transactions?
A: You can print a list of your transactions over a period of time that you select, up to 12 months previously. You can also download your transaction history to a variety of money managing software packages. You will need to access the print icon in your toolbar or your browser to print transaction lists and/or statements as opposed to using a ‘print' button on the web page. Please see the ‘printing tips' section of our website for more information on printing from FCCS Online.

Q: What is a direct debit hierarchy?
A: When you are paying suppliers via direct debit, we use a direct debit hierarchy to determine which account the payment will be made from. This hierarchy sets out the order in which you would like your accounts to be debited. The payment will be made from the account you place as number one in the hierarchy. If this account has insufficient funds, the payment will be made from the account you have placed second, and so on. You can choose to nominate just one account, or up to five by contacting FCCS Credit Union on 1300 361 555.

Q: The calendar I use to select dates for Transaction History or Download Transactions inserts year 2100 instead of 2000. Why is that?
A:
Most probably, your PC is not Y2K compliant. Either ask your PC maintenance service or the dealer from whom you purchased the PC to check it for Y2K compliance, or type the date in the To Date and From Date boxes instead of using the calendar facility. ^

BPAY

Q: If I load a future BPAY® payment, how many times will it try to debit my payment?
A:
FCCS Online will attempt to debit the money three times. If sufficient funds are not available after the third attempt, dishonour fees may apply.

Q: What is the cut-off time for BPAY payments I want to be made today?
A:
Payments made before 4.30pm (Eastern Standard Time) on a business day will be forwarded on the same day. Payments made after this time will be forwarded on the next working day.

Q: How do I schedule a regular BPAY payment?
A:

  1. Select the account from which the payment is to be made, and enter the payment details.
  2. Choose a Frequency other than 'Once only' from the Frequency drop-down list, for example, "Weekly". Different fields will be dynamically displayed on the screen.
    Note: If the Frequency field does not display, then we have not enabled the regular payment feature at this stage.
  3. Enter, or click the calendar icon in the Commencement Date field to define the date the first payment is to be made.
  4. Enter the number of payments to be made for your regular transfer in the Number of Payments field (this is inclusive of the first payment), OR you may leave this field blank for an ongoing payment.


Q: How do I schedule a 'once only' BPAY payment to be made in the future?
A:
You need to use the BPAY Payments screen to do this.

    1. Define the accounts to and from which the payment is to be made, the transfer amount, and the frequency of the payment. If you choose a frequency other than 'Once only' from the Frequency drop-down list different fields will be dynamically displayed on the screen.
      Note: If the Frequency field does not display, then we have not enabled the regular payment feature at this stage.
    2. Click the calendar icon and select the date the payment is to be made.

Q: Why do I receive a message saying my Customer Reference Number is invalid?
A:
Please check your bill to ensure you have entered the number correctly. Ensure you have not entered any spaces between the numbers. If you still receive the message, please contact the payee and check the details.

Q: Why do I receive a message saying my biller number is invalid?
A:
BPAY payments can only be used to pay bills bearing the BPAY logo. Please check your bill to ensure the logo appears. Also, please check your bill to ensure you have entered the biller number correctly.

Q: How can I check that a BPAY payment has been made?
A:
You can check that it has been processed from your account by viewing transaction details using the Transaction History option (see “Transactions” section of this document”. When you use this option, details of your BPAY payments will appear along with any other transactions you have made. Select the Transaction History sub menu item from the Accounts menu to display this option. Refer to 'How can I check all the transactions that I have made during a certain period of time?' for more information.

Q: Why hasn't my BPAY payment gone through?
A: This can happen if you did not click the Yes button on the BPAY - Confirmation screen. Cleared funds must be available in your nominated account for the payment to be made. If you have scheduled a payment to be made in the future, you must ensure that there are sufficient funds in your account to cover the payment on the day before the payment is due.

Q: What happens if I make a mistake with a future dated payment or want to cancel it?
A:

  1. Click on the Future Payments button in the BPAY option. All future dated payments are listed. You now have the option to view, modify or cancel a future dated payment.
    Note: If the Future Payments button is not displayed you do not have any future payments entered via FCCS Online
  2. Click the Modify hyperlink to view or modify details of a future dated payment.
  3. Click the Delete hyperlink to delete, and therefore cancel a future dated payment. After you click the hyperlink you will be asked to confirm the deletion.

Q: If I cancel my FCCS Online access, will this cancel my BPAY® payments?
A:
No. You need to cancel any loaded BPAY® payments before requesting cancellation of your online banking access. ^


Miscellaneous

Q: The password I selected isn't working. What should I do?
A: Make sure you are entering the password as you registered when you changed your password when accessing FCCS Online for the first time. You only get three attempts before the system will lock you out, whereby you will need to contact FCCS Credit Union 1300 361 555 during business hours to reset your password.

Q: I tried to download Adobe Acrobat Reader and it displayed a message ‘corrupt file'. What should I do?
A:
Your PC may be timing out before the download is complete. Try one more time. If this download is not successful, you can obtain the latest version of Adobe Acrobat Reader from a computer store at a relatively cheap price. Adobe Acrobat is a popular program for many Internet related documents and as such will certainly come in handy when downloading documents from other Internet sites.

Q: When I view interest on my accounts, there are two boxes with similar information. Which one do I use?
A:
The top box shows interest for the coming financial year and the bottom box shows interest for the previous financial year.

Q: When I click on the FCCS Online icon on the FCCS Credit Union website I get a web page with ‘old browser detected' on it. I've tried using Internet Explorer as well as Netscape. What's wrong?
A:
FCCS Online requires the latest web-browser technology – either Microsoft Internet Explorer 5.5 or Netscape 6.2. Follow the links on the page to download the latest free version.

Q: Can I gain access to FCCS Online from overseas?
A:
Yes. As long as you have Internet access and remember your member number and password, you can access all FCCS Online functions from anywhere in the world. Please ensure that you maintain strict control over your password details. In addition, ensure that the PC you are using has the latest virus protection and is secure.

Q: How long can I leave the FCCS ONLINE site open on my PC?
A:
FCCS Online will time out after 10 minutes of inactivity. We recommend that you never leave your Internet banking site open if you leave the computer you are working on. Log out of FCCS Online and re-enter at a later time if required.

Q: Why do I sometimes receive a display with the message "System is not Available"?
A:
Sometimes we perform housekeeping functions on the Internet server. These only take a couple of minutes but can interrupt service while they are in progress. We advise you to wait a couple of minutes until the system is available, or to close down your browser, wait a moment and try again. If problems persist please contact us. ^


Browser Requirements

Microsoft Internet Explorer or Netscape Navigator should be used to access the internet banking service. Netscape Navigator is part of the Netscape Communicator application package. Full production release versions of these products must be used - never use beta versions.

The minimum version numbers of these browsers that you should use to access the internet banking service are Internet Explorer 5.01 and later or Netscape v6.2 and later. Do not use lower versions of the browsers than those stated. Amongst other things, they may not be able to implement 128-bit encryption successfully.

Always use the 128-bit encryption version of these browsers. Take care when downloading them as the version number may be the same for both the strong and weak encryption versions of these browsers.

Use your browser's Help function, or contact Microsoft or Netscape Communications, if you are unsure of your browser's current version number or whether your version supports 128-bit encryption outside the United States of America. ^

Information for Apple Macintosh and iMac Users

If you are experiencing problems using Internet Banking on your Apple computer, we recommend that you download a Netscape browser, free of charge, for the Apple Macintosh and iMac environments.

Netscape 7 is the preferred browser, if your operating system version is supported by it. Otherwise Netscape versions 6.2 and above are recommended. We suggest that you select the 128-bit strong encryption version with a Java component.

If you still encounter problems with the Netscape browser, we recommend that you upgrade your Apple operating system to OS X 10.2 or above.

You can download the browser from the following web site: www.netscape.com.au . ^

Microsoft Windows XP (XP) operating system

If you are using the Microsoft XP operating system and Internet Explorer displays a white screen and no more after logging in to Internet Banking, you should first ensure that you have the JIT option ticked in Internet Explorer: Tools menu, Internet Options, Advanced tab. If this was not ticked then you should select it by clicking the box. You must then restart your computer to activate the JIT option.
If you run the Microsoft Windows XP (XP) operating system on your personal computer and the JIT option is not listed on the advanced tab, it is probable that Microsoft Corporation has not supplied software known as a Virtual Machine for Java (JVM), with your version of XP. Your PC requires a JVM to use the internet banking service.

Microsoft supplied a JVM with earlier versions of its Microsoft Windows operating system but discontinued the practice with Windows XP. However, Microsoft has configured XP to alert you when you load a web page that requires a JVM, and invites you to download and install it. If you reject this download request, you may not receive the download prompt again.

You can download and install the Microsoft JVM by clicking here and choose 'Save' when prompted. Please note, this download may take some time for dial-up users. When finished, run the executable and follow the onscreen instructions.
or
You can download and install the Sun JVM by clicking on the image, then choosing 'Get It Now' and follow the onscreen instructions.

NB: Never download information or files to your PC that you believe may be harmful or contain viruses.

Note: You do not need to download and install the JVM to use the internet banking service if you have upgraded your personal computer to XP from an earlier version of Microsoft Windows, as the JVM is retained. However, you will need to download and install the JVM if you performed a clean install of XP after deleting the older operating system.

Note: If the JVM download prompt is not displayed when you use a Java applet for the first time following a clean install of XP, and you use Internet Explorer, this may be because the 'Enable Install On Demand (Internet Explorer)' check box is not selected in your Internet options. To view this check box, select Tools, Internet Options, Advanced tab in Internet Explorer. ^

Handy Browser Hints

Q: How do I know what the version number of my browser is?
A:
These browsers display their version in a box as they load on your PC. Alternatively Click on Help in the menu bar of the browser and then click on About. The version number and level of encryption security (Cipher Strength) will then be displayed. If it is 40-bit or 56-bit, you will need to upgrade your browser.

Microsoft Internet Explorer users can do this through Microsoft's Download Center web page. Please note this will take some time as the browser program and add-ons can be quite large. We encourage you to regularly check for browser (and operating system) updates to keep up with security improvements. Refer to Microsoft's Windows Update web page for more information.

If you are unsure of how to do this, please contact your PC maintenance service or the dealer from whom you purchased the PC.
Netscape users need to be online to check their level of encryption - click on Help, then Software Updates. Please note that version 6 of Netscape is currently incompatible with the Online Banking program. Also see message below for Netscape users.

Q: What browser settings must I use to permit access to the Internet banking system?
A: Although it is not possible for us to define the particular settings for all types and versions of internet browsers, we suggest that the browser you use should:

  • have 128-bit encryption security
  • enable acceptance of cookies,
  • enable Javascript and SSL3 security,
  • screen settings at 800 x 600.

These are normally included as your browser's default settings and can be checked by selecting Tools, Internet Options.

We recommend that you disable any settings your browser may have for automatic completion of names and passwords. Never accept any offer from your browser to save or remember your password.

If you are unsure of how to check or alter these settings, please contact your PC maintenance service or the dealer from whom you purchased the PC or the organisation from whom you obtained the browser.

Q: What is my browser cache?
A:
This is where the browser stores pages it has received over the internet. It does this so that it can speed up your internet sessions by only downloading files that have changed.

Q: How do I clear my browser's cache?
A: We suggest you consult your browser's Help function. If you cannot find out how to clear your browser's cache there, please contact either your PC maintenance service, the dealer from whom you purchased the PC or the organisation from whom you obtained the browser.

Q: What are cookies?
A: Cookies are small data packets that can be stored on your computer by an application you are interacting with over the internet. We use cookies to monitor the state of our server's connection with your computer.

To use our application your browser must be instructed to accept cookies. Your browser may be set to do this already, in which case you may be unaware that cookies are being exchanged between our computers. If not, you will probably receive messages from your browser asking whether you want to accept cookies.

Consult your browser's Help facility to find out how to change your browser's settings to accept cookies. At the end of your session our application always removes any cookies we have placed on your PC. Be assured we do not use cookies for any purpose other than to monitor the status and integrity of your current session. ^