GETTING STARTED

PS CU@HOME and PS CU@HOME Bill Pay allow you to perform various financial transactions, pay your bills, and communicate with the credit union staff quickly and easily from the comfort of your home or wherever you may be. These services provide secure access at any hour of the day. When you have questions or need help, you have several options.

Enrolling with PS CU@HOME

Contact the credit union to enroll. You will receive a User ID and a temporary Security Code. The first time you access your account you must change the temporary Security Code to another code you select. It must to be an 8-digit number. Protect this code just as you do for your ATM PIN number and change it often. If you forget your Security Code contact the credit union and a staff member will reset your User ID pin after confirming your identity. To access this service, go to www.parkschoolscreditunion.com and click the Internet Banking Link. Enter your account number in the User ID field and your 8 digit pin in the Security Code field. If you are a new Internet Banking user you will be asked a few questions so you can be enrolled. If you would like to use the PS CU@HOME Bill Pay feature click the Bill Pay button and provide the additional information needed.

Internet Banking

PS CU@HOME allows you to review account balances and history, transfer funds, review and change scheduled transfers, and look at transfer history.

The Account Summary feature tells you the account number and account type of the accounts you are using with Internet Banking. When you select an account from the list you get the current and available balance for that account.

The Account History feature enables you to review account history that Park Schools Credit Union maintains for each account.

The Account Transfer Funds feature allows immediate transfers. You are notified if the transfer is successful while you are on-line.

PS CU@HOME Bill Pay

Use the Payment Center to schedule payments to merchants, review and change scheduled payments and review payment history. Bill Pay offers an alternative to the traditional method of paying bills. Instead of writing a check and mailing the payment to the merchant you can schedule all your payments through PS CU@HOME Bill Pay. You can schedule payments to be made on certain dates. Bill Pay provides a confirmation number for every payment and keeps track of your payment history. These features make Bill Pay an excellent record keeper. You no longer have to keep track of the payments you’ve made because Bill Pay does it for you.

Usage of PS CU@HOME Bill Pay

• Accounts - Set up the checking account from which bills will be paid.

• Payees - Set up your personal list of merchants. To pay bills the merchant(s) you want to pay must be in your personal merchant list

• Pay Bills or Quick Pay - Set up a payment.

• Scheduled Payments - Change or cancel your payment information as necessary.

Things You Should Know About Your Payments

PS CU@HOME Bill Pay uses one of the following methods to pay your bills:

• Internet payments to merchants on the electronic network: when this method is used you need to set up your payment at least two business days before the due date.

• Check payments to merchants who do not receive electronic payments: when this method is used you need to set up your payment at least five business days before the due date.

If you do not provide the correct merchant and account information your payments may not be successfully completed.

Payments are processed Monday through Friday with the exception of federal holidays. Payment processing begins at 1 pm CST each day. After processing begins you cannot schedule, change, or delete payments occurring on that day.

Payments that are made on future dates that you specify are called scheduled payments. These include one time payments and automatic payments. The first payment date may be no more that 18 months in the future. Payments are processed on the scheduled date. Payments scheduled for non business dates (such as January 1 or weekends) are processed on the next business day for one-time payments. Automatic Payments are processed on the previous business day.

Secured Mail Messages

Use Internet Banking’s Message Center to send secure mail to communicate with the Credit Union Staff. The Message Center offers the capability to read, reply, and delete messages. The Outbox allows you to send new messages to the Credit Union Staff. You can use this feature at any time to communicate questions, problems, or requests.

Services

Use Internet Banking’s Services feature to change personal options such as name, address, phone, and e-mail address. This information is changed on the PS CU@HOME service only. You must also notify the credit union directly of any changes.

Security Levels

Park Schools Credit Union is pleased to offer PS CU@HOME Bill Pay via the Internet. This requires a solid security framework to protect you and our credit union from outside intrusions. There are several levels of security within our framework. User Level deals with cryptography and Netscape’s Secure Socket Layer (SSL) protocol and is the first line of defense used by all members accessing PS CU@HOME. Server Level focuses on firewalls, filtering routers and our trusted operation system. Host Level deals specifically with our PS CU@Home Services and the processing of secured financial transactions.

User Level

To ensure confidentiality of information sent across the public internet you will be required to use a fully SSL compliant browser such as Netscape Navigator 6.1 or higher or Microsoft Internet Explorer 6.0 or higher. SSL (Secured Socket Layer) is an open protocol developed to provide a tally signed certificate which ensures that you are truly a secured channel for communication with our Internet server. Utilizing highly effective cryptography techniques between your browser and our server ensures 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 Internet 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 onto the system is processed. It is important to protect your User ID and Security Code from others. You will be allowed three attempts to logon

Server Level

All transactions sent to PS CU@Home must first pass through a filtering router system. These routers automatically direct the request to the appropriate server after ensuring the access type is through a secured browser. The router verifies the source and destination of each network packet and manages the authorization process of letting packets through. They 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.

Our server is protected using the latest firewall platform. It defends against every kind of system intrusion and effectively isolates all but approved member financial requests. The platform secures the hardware running the internet banking applications and prevents associated attacks against all systems connected to the server.

Host Level

Upon passing through the internet server the transaction is sent through a secure, dedicated communication line to our transaction server which verifies our member identity. Once authenticated the member is allowed to process authorized transactions.