Frequently Asked Questions about CUofTX's Wireless Banking

Overview

What is Wireless Banking?

What type of account access will I have?

Can I access my Bill Payer account?

How much does Wireless Banking cost?

Security and Privacy

How can I be sure my information is secure? What about privacy?

Users are directed to SensCom's wireless website, is this website protected and secure against hackers?

Who provides the basic application-level security?

Use and Convenience

Do I need to have a personal computer with Internet access?

Do I need any special browser software to access the Internet on my phone?

What type of account access will I have?

What Bill Payer features can I access?

How do I bookmark the website?

How soon will a transfer take effect?

What happens if I lose my phone connection during a transfer?

What happens if the wireless Internet connection is lost during a transaction, or while logged in to the service?

How do I know for sure when my web connection has ended?

Can I transfer money into an account with a zero balance?

Troubleshooting

If I have a problem, whom can I call?

My password works fine on Internet banking on my personal computer, but not on my wireless phone. What's wrong?

When I start the minibrowser on my phone, the browser starts up with the screen from the last transaction. Why does this happen?

I sometimes have difficulty connecting to the web via my wireless phone. Why?

I occasionally receive error messages. What do they mean?

Responses to Frequently Asked Questions

Overview

Wireless Banking
Wireless Banking is the ability to use a wireless device (web-enabled cellular phone or personal digital assistant) to access your financial information. "Wireless" means that you do not have to be physically connected to the web, either through a network connection or "wired" modem connection.

Account Access
You will be able to view your account history, check your account balances, pay your bills (for members already enrolled in the Bill Payer service), change your Home Banking password, and transfer money within your accounts or to another CUofTX account that you are linked to.

Bill Payer Account
You have access to your Bill Payer account. Log on to wireless banking with your Home Banking account number and password and choose the Bill Payment option. Use your Bill Payer userID and password to access your account.

Wireless Banking Cost
CUofTX does not charge any fees for banking wirelessly. However, if you don't have a web-enabled wireless device, there may be a cost to purchase or rent the device. Additionally, there may be a monthly service fee charged by the carrier for wireless Internet access. To access the Bill Payment feature, you will need to enroll in the CUofTX Bill Payer service for a monthly fee.

Security and Privacy

Your Privacy and Security
All transactions utilize the latest in both Internet and wireless security and are as safe as those performed by existing home banking users from their personal computers across the wired web. End-to-end encryption assures that all transactions remain private and protected.

Hacker Protection
SensCom uses a secure facility to ensure full data security. SensCom also utilizes the latest available encryption technology. The password authentication is provided by the host banking website.

Application Level Security
SensCom manages security from the handset to the financial institution, at which point we interact with their security under an SSL connection. Login authentication with userID & password is managed by the financial institution. SensCom acts as (the gateway) middleware between the user's microbrowser and the financial institution's system.

Use and Convenience

Computer Requirements
A computer connected to the internet is not required to use Wireless Banking. All you need is a wireless phone with a minibrowser and a subscription to wireless Internet service from your wireless service provider.

Browser Software
Your web-enabled wireless phone comes equipped with a preloaded minibrowser. No other software will be necessary.

Account Access
Viewing of deposit accounts and loan balances, transfer of funds and account history is accessible using Wireless Banking. Account history includes deposits, withdrawals, checks cleared, transfers, loan payments, etc.

Bill Payer Features
Currently, you will be able to view, modify, delete or make a payment to existing payees. If you need to add a payee, you can do so by accessing CUofTX Bill Payer through your computer.

Bookmarking a Web Site
Go to the phone's web browser and enter in the web site address. Save this site by referring to your phone's manual on bookmarking. This only has to be done once.

Transfer Times
All transactions are in real-time and will take effect immediately. Transfers that take place on a weekend are also real time, but will reflect the following business date.

Losing a Phone Connection
If you did not receive a reference number, your transfer did not take place. You will need to initiate the transfer again once you have re-established a phone connection.

Losing a Wireless Connection
If a wireless Internet connection is lost before a transaction is "committed," the user must reconnect and start the transaction over again. When the wireless Internet connection is lost, the session between the SensCom server and the institution's application server "times out," just like it would during a normal web transaction.

Ending a Web Connection
You need to first select "Logoff" when you've finished with your Internet banking transactions. At this point, your Internet banking session is closed. You may then turn the phone off or perform other phone functions. In order to perform any other transactions, you would have to enter your member number and password again.

Zero Balance Accounts
You can transfer money into an account with a zero balance as long as the account has not been closed.

Troubleshooting

Resolving a Problem
For problems using our Internet banking service, contact our Teller Services Center at 972-263-9497. You may call your wireless service provider for problems associated with your wireless phone or wireless service.

Password Issues
Be sure you are entering your password correctly. The "default" setting for password entry is alphabetic; if your password includes letters and numbers, you need to "cycle" through the alpha settings on your keypad before hitting the number on the key; if your password includes numbers only, you can "toggle" your phone settings to numeric entry; please refer to your wireless phone manufacturer's user guide.

Minibrowsers
When you are done with your account transactions, you should log off and go back to the main menu, in order to close the Internet session and clear your phone's cache memory. This will enable you to start up fresh the next time you use your browser.

Wireless Phone Internet Connections
There are several things that can affect your ability to connect to the Internet, including lack of wireless coverage in your immediate area, no available channels for wireless connection, the wireless Internet connection is unavailable and heavy traffic on the Internet. In any of these situations, wait awhile and try your connection again.

Error Messages
1010 - Network timeout. There is a problem with the Internet pipeline and the connection
between your wireless phone and the servers has been lost. Re-connect to the website and functionality should be restored.
1014 - Internal server error. Please contact the Call Center at 972-263-9497 for further details. 1015 - System timeout. Please contact the Call Center at 972-263-9497 for further details.