FAQs

Q: How do I log in to Internet Banking?

A: You can log in from our home page.

Q: The 15-minute timeout on Internet Banking is too short. Can you change it?
A: After careful review of our security features, we found the 15-minute timeout policy the safest one to protect your account information.

When you get a timeout error, try clicking your browser’s Refresh button or log back on to continue viewing your information.

Q: Is Internet Banking safe?
A: Yes. Internet Banking transactions are protected in several ways. Accounts are password protected with your private PIN. A timeout feature automatically logs you off after a period of inactivity. Plus, St. Paul Federal Credit Union employs the latest in secure technology and encryption software to protect members’ financial information.

If you see a connected "lock" or "key" in the corner of your screen, you can rest assured that your interactions are going through the secure server and are thoroughly encrypted. For more information regarding security, please see the security section of our website.

Q: What browser do I need to use your Web site?
A: Our Web site supports Microsoft Internet Explorer 6 (or newer), Safari 1.2 (or newer) or Mozilla Firefox 2.0 (or newer). Download Firefox or Internet Explorer for free at the links listed in our TOOLBOX.

The St. Paul Federal Credit Union is not responsible for the content of these links as they are outside of the St. Paul Federal Credit Union Web site.

Q: Is the PIN number to log in to Internet Banking the same as the one I use for ATM transactions?
A: No. The Internet Banking PIN is a separate PIN number. To request one, contact us (See TOOLBOX).

Q: What password do I use in Internet Banking to transfer money, request a check to self or to request a statement?
A: This password is the same as the PIN number you use to log in to Internet Banking.

Q: Why does my PIN number automatically show up on the Log In page when I go there?
A: Internet Explorer has a feature that lets you choose to have it remember passwords. To stop your PIN number from automatically displaying, click on "Tools" then "Internet Options." Then, click on the "Content" tab, then "Auto Complete." Click "Clear Passwords." Click "OK" then "OK" again.

*** Please note that this process will delete all passwords that are saved, not just the one on our Web site.

Q: How do I request a PIN?
A: You can sign up for Internet Banking online or call our Member Service office at 651-772-8744, option 0 or toll-free at 1-888-439-4239, option 2, option 0 to request a PIN.

Q: I am unable to log in to Internet Banking. What can I do?
A: If the error message says your member number or PIN number is incorrect or that your account is locked out, please contact us so we can reset your PIN number for you.

Also, ensure you are not trying to log on when our Internet Banking site is down for routine maintenance. When our site is temporarily unavailable for maintenance we will normally place a message on the screen for your information. If you are unable to log on during those times, please wait 15 minutes and try again.

Q: When is Internet Banking down for maintenance?
A: Internet Banking is periodically down for maintenance. If maintenance is being performed on Internet Banking, we will place a message on the log-in page for your information.

Q: I tried to log in to Internet Banking, but it says my log in information is wrong. How do I fix that?
A: This usually indicates that you are typing in an incorrect member number and/or PIN number. Your member number is your account number. PIN numbers are usually a four-digit number. Contact us and we will reset your PIN number for you.

Q: How can I download account information into Microsoft Excel, Quicken or Microsoft Money?
A:After you are logged in to Internet Banking, on the main menu click on the "Accounts" button, then select an account and click on "View More". At the top of the screen, you will see the download button. Click it and follow the instructions.

*** Please note – this does not work for credit cards. We do not store your credit card transaction history in our system.

Q: Why can't I download my VISA account information?
A: There is no transaction history for VISAs saved on Internet Banking at this time. To see your VISA balances and transaction history, please register your card on this Web site.

Q: I downloaded my account information once. Now it won't let me download it again. Why?
A:You can only download account information using the "All new transactions" option once. After that, you can download transactions by choosing a specific date range. Once your transaction history has been updated in the system, you should be able to use that option again.

Q: I am trying to download my transaction history and it is telling me it's unavailable. Why?
A: This can happen if you are trying to download account information from too far in the past. Our on-line system only stores about six months worth of data. If you need account information from further back, we can send you hard copies of your statements. Please contact us to request statements. There may be a fee associated with past statement retrieval.

Q: Can I make payments on my loans or credit cards on-line?
A: Yes. When logged in to Internet Banking, you can transfer money from your savings or checking account into your St. Paul Federal Credit Union loan or credit card account. When you do this, your payment will be made by the next business day. This option is not available for some certificates and other accounts.

Be aware – your payment may not show up in your browser right away. To verify that payment was made, register your credit card with this Web site.

Q: Can I apply for a loan on-line?
A: Yes. You can apply for auto, personal, recreational or share secured loans on-line through Internet Banking. Just click on the "Loans" button to be brought to the on-line loan application.

Q: What kinds of loans can I apply for?
A: Personal, auto, home equity, recreational and share secured loans are available through Internet Banking. For other types of loans such as mortgages and credit cards, contact us or call 651-772-8787. option 2 or toll-free 1-888-439-4239, option 2, option 0.

Q: Are there any fees associated with Internet Banking?
A: There is no cost for the basic service. If you use Internet Banking to place a stop payment on a check, order a check copy or to reorder personal checks, an appropriate fee applies. See your account disclosures for complete details.

Q: Can I pay my bills electronically?
A: Yes, St. Paul Federal Credit Union offers Bill Payment. Our Bill Payment is available for you to pay anyone, anytime. This is a free service and there are no limits on the number of bills that you can pay each month. To use the service, sign in to Internet Banking, and select the “Pay Bills” button.

Q: Why can't I find my most recent checks cleared?
A: When the system displays the cleared checks, it begins with the oldest checks first. Your most recent checks will be at the end of the list. You will need to scroll down the page to see them.

Q: Are my Internet Banking and MARS (Members Audio Response System) PINs the same?
A: Yes. Note – PIN are required to be at least 10 digits long and consist only of numbers.

Q: What account types are there for transferring money to other members?
A: To protect other members’ privacy, our online banking system will not tell you what account types another member has. Here is a list of the most popular account types that you can choose from:

SAVINGS/CHECKING
S1 Primary Shares (main membership account)
S2 Secondary Shares
S5 Money Market Account
S10 Basic Non-Dividend Checking
S13 Priority Checking
S90 Mortgage Sweep Account
S95 Visa Sweep Account

LOANS
L1 New Auto Loan
L2 New Auto Loan
L3 Recreational Vehicle Loan
L4 Signature Loan
L5 Share-Investment Backed Loan
L20 Overdraft Line of Credit
L30 Home Equity Line of Credit

Please be aware – if you transfer funds to another member's account, you may not be able to retrieve those funds if you don't have the authority and PIN to access that account.

Q: Why does the system keep warning me not to make too many transfers out of certain accounts, such as Primary Shares or Secondary Shares?
A: Some accounts such as Primary Shares, Secondary Shares and Money Market Accounts are designed to be savings accounts and others, like Checking, are designed to be transaction accounts.

Regulation D prohibits excessive withdrawals/transfers from non-transaction accounts like our Savings accounts. You can make up to six withdrawals a month from these accounts, including transfers to another account, pre-authorized transfers, overdraft protection transfers, automatic transfers, recurring payments, telephone transfers/withdrawals, and Internet transfers/withdrawals. This limit does not include withdrawals made at an ATM, in-person, by mail or by telephone if a check is mailed to your home.

If you have any other questions, please call our Member Services Office at 651-772-8744, option 0 or toll-free 1-888-439-4239, option 2, option 0 during regular business hours. You can also contact us online to leave comments.

Q: In your Rates section, what exactly is the daily periodic rate?
A: The daily periodic rate is the interest you would pay annually, divided by 365, to give you the interest rate per day.

Q: Can I apply for membership with St. Paul Federal Credit Union on-line?
A.Yes, you can fill out our online Membership Application or call our Member Services Office at 651-7762-8744, option 2 or toll-free 1-888-439-4239, option 2, option 0.

Q: Can I apply for a job with St. Paul Federal Credit Union on-line?
A: At this time we are not accepting any job applications online. But please be sure to check out our available opportunities.

Q: Can I sign up for automatic payment online?
A: No. The automatic payment transfer form is not yet available online. If you would like to sign-up for automatic loan payments, please contact us or call our Member Services Office at 651-772-8744, option 2 or toll-free 1-888-439-4239, option 2, option 0.

Q: I applied for a used auto loan, and the rate doesn't match your rate sheet. Why?
A: Your actual rate may vary depending on the model year of the vehicle and the term of the loan. You will have an opportunity to review the actual rate and payments at the loan closing. Rates are always subject to change without notice and you will receive the current rate in effect on the day of closing.

Q: What advantages does the Instant Cash network give me?
A: The Instant Cash network gives you access to hundreds of free ATMs. Please note – that while not all Instant Cash ATMs are free, you can still use your card at virtually every ATM in Minnesota.

Q: What ATMs can I use for free?
A: The ATM machine owned by St. Paul Federal Credit Union, located at 1330 Conway St, in Saint Paul and at our newest branch located at Hillcrest Shopping Center, 1622 White Bear Ave., are available free of charge 24-hours-a-day for your convenience. In addition, St. Paul Federal Credit Union Members can use ATMs at Wells Fargo branches for free, excluding those in California.

Q: How do I report my ATM or Debit/Check Card lost or stolen?
A: Call 1-800-535-8440.

Q: How do I report my credit card lost or stolen?
A: Call 1-800-991-4964.

Q: What is the Routing Number for St. Paul Federal Credit Union
A: 296076013

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