On-Line Banking

Frequently Asked Questions

Q. How do I set up to receive my statements on-line?
A. If you already use Home @ccess, simply log in.

To view your statement(s) select e-Statement from the left-hand side of your screen.You will need Adobe Acrobat Reader in order to view your statement. If you do not have it, download it here. You may select Last Statement. This will bring up the most current statement for your viewing. Click on Statement List to view and select available statements that you would like to see. You may immediately view available statements.

To change back to paper statement or make other changes to your e-Statement delivery, follow the above instructions and make the appropriate changes. Again, the changes will take place the month that you make the changes. Changes must be made on-line, faxed or mailed to us with your signature for security purposes.

To download your account information into Quicken or Money select History Inquiries. Click on Download to Quicken. Follow the instructions or see below for further instructions. Account information may NOT be downloaded through e-Statement link.

If you have never used Home @ccess before, please go to the "How do I access my account on-line?"below.

Q. What do I do if I forgot my username/password?
A.
Please contact the credit union at 859-264-4200 and press 0 to speak to a member service representative to verify information on your account and they can reset the username and/or password for you. You can also go to any branch location with picture ID to have them reset.

Q. How do I access my account on-line?
A.
To access your accounts online, click here to enroll.

Q. How do I download to Microsoft Money or Quicken?
A.
Go to "History Inquiries" and click on "download." Save the file to hard drive or disk--we recommend saving as the date downloaded. Then exit Home @ccess. Open Microsoft Money or Quicken and choose "import." Choose the account to import information. Verify this information and save your account information.

Q. If I have more than one account, do I need to set up access codes for each account?
A.
Yes. The access codes for each account must first be set up through Mainline. If you would like to transfer money between accounts, contact us to set up an authorization.

Q. What kind of information can I get on-line?
A.
You have access to the following information: cleared checks, deposits/withdrawals on all savings accounts, interest/dividend information, loan payoffs/balances, and share/checking balances. You may also transfer funds, advance loans, place stop payments, order checks, and download checking/savings information. Basically, anything you can do on Mainline you can do on Home @ccess.

Q. Can I change my address on-line?
A.
No. For security purposes address changes must be made in person, by fax or by mail. It requires a signature to authorize the change. Go here to print the form that you need.

Q. How many transactions can I view?
A.
A minimum of 60 days of transactions are stored for your viewing purposes.

Q. How many times can I transfer funds during the month?
A.
The setup is the same as Mainline. For all share, money market, Christmas Club and Senior accounts, no more than six (6) preauthorized, automatic, telephone, or Internet transfers and withdrawals may be made from each account to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, draft, or access card to a third party.. There are no limits to the number of times that you can transfer from your checking account.

Q. How do I know if the money was transferred?
A.
Be sure to click each "continue." It will show the transfer at the end. We recommend that you go the initial screen which shows your balances to verify that the transfer has been completed.

Q. If I change my access code on Home @ccess, does it change my ATM or Mainline code?
A.
No. If you change your access code on-line, the new code only works on Home @ccess. If you change your Mainline access code, it will not change your on-line access code once it's set up.

Q. Can I transfer between accounts on-line?
A.
Yes, but you must first set up transfer authorization. Click here for the authorization form, print it and fill it out, then mail (2557 Sir Barton Way, Lexington KY 40509) or fax (859-264-4202) it back to us and we will set it up. Transfer limits apply to these accounts also. For all share, money market, Christmas Club and Senior accounts, no more than six (6) preauthorized, automatic, telephone, or Internet transfers and withdrawals may be made from each account to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, draft, or access card to a third party. There are no limits to the number of times that you can transfer from your checking account to the same account or a different account.

Q. Is it safe?
A.
Yes, it is safe. We are currently using a firewall in addition to 128-bit encryption to protect our member transaction information. When first accessing our site you will get a "Secure Certificate" message. You must accept this certificate to be allowed access to the site. We have had reports from some members of trouble with the certificate. The certificate is functioning properly and is using 128-bit encryption. In order to take full advantage of the security offered you will need to keep your browser up to date.

Internet Explorer 7: Get it now!
Firefox 3: Get it now!
Safari: Get it now!


If you suspect someone has logged into your account or transferred funds, you need to contact us as soon possible. At that time we can turn on-line access off or help you change access codes.

Q. When I log-in to Home @ccess, why are unsuccessful log-in attempts reported at times I wasn't even using Home @ccess?
A.
When you use Mainline, these calls will also appear on Home @ccess as "log-in attempts." If the last time you accessed your account was through Mainline and you accidentally entered the wrong code or typed in your account number wrong, it will show up on Home @ccess. This is also true if someone else typed in their account number incorrectly and it happened to be yours. Their log-in attempt would fail because they would have the wrong access code.

Q. Can I pay bills on-line?
A.
Yes. Online bill pay is available. Click here to preview.

Q. Can I print the information?
A.
Yes, just click on the "Print" button on your browser.

Q. Why is there a difference between my checking balance and my available balance?
A.
The balances differ because a temporary hold may have been placed on the funds in your account. In most cases the temporary hold has been placed on debit card transactions which have been authorized but not posted, or on deposits which have been made through an ATM. When checks clear your account, the system will look at your available balance to determine if the check will be paid.
If you make a deposit through an ATM, you have immediate access to the first $100. The rest of the deposit will become available in 2 business days. The two day hold is for verification purposes.

If you have any other questions that you might like us to answer, please submit the question to: ukfcu@uky.edu

Revised 04/15/09