Online Banking Information

First time users: your password is your Touchtone Teller (phone) Access Code. If you don't use Touchtone Teller, please call a Star One Phone Representative at (408) 543-5202 or (866) 543-5202 to get your Touchtone Teller Access Code. Learn more about passwords.

Registered users: enter your member number (no leading zeros) and password from our homepage to enter Online Banking.

MAIN NAVIGATION TABS

 The Account Access tab and Account Summary link take you to the main page of Online Banking. (The Account Access and Account Summary links take you to the same page.) From here you have access to all of Online Banking's features. Use the Account Access or Account Summary link to "escape" to the main page if you become confused while working within Online Banking.

The Account Access/Account Summary page shows up-to-the-minute balance information on your deposit, loan, and investment accounts. To view detailed account activity, including deposits, withdrawals and transfers, simply click on the corresponding account title. From here you may choose to view additional account history (current maximum is approximately 1 year) or export your transactions to your favorite money management software.

 In your checking account history, click on the check number to see front and back images of the cleared check.  If the description of the check includes "W/D DRAFT" this check was electronically converted and the images will not be available.

You will find a Quick Transfer option at the bottom of this page. Note you may not initiate Quick Transfers to Cross Member Transfer accounts (see Secure Forms).

 The Account Transfer feature allows you to make current, one-time transfers between your accounts and loans. It also allows you to make Principal Only payments to your Star One loans (excludes Visa & HELOC payments). To make a transfer, click in the "Transfer Amount" text box and enter the desire dollar amount. Next, click on the "FROM Account" box. You will be presented with a drop down menu showing all of your eligible accounts, along with the current balance** in each account. Select the account from which you wish to transfer the funds (also known as the Source Account). Repeat the same procedure for the "TO Account" (Destination Account). Select the type of payment and then click on the "Transfer Funds" link. Alternatively, you may clear all fields and put in new information or simply go to another screen without clicking on the "Transfer Funds" link.  Confirm.  At this time you may still cancel the transfer by clicking on the "Cancel" link.

Your transfer will take place immediately provided there are no holds on your accounts and the funds are available for transfer. If you are making the transfers outside of normal business hours, the transfer will be posted using the next business date. A transaction results page will appear after the transfer is processed. This page displays the post date, the previous and new balances in both accounts, and a transaction reference number. We recommend that you print this page for your records.

 The Scheduled Transfer function allows you to set up transfers among your Star One accounts and loans to take place at particular times in the future. You may choose to initiate a one-time transfer or a series of transfers.  It also allows you to make Principal Only payments to your Star One loans (excludes Visa & HELOC payments).

To schedule a transfer, click on the "Schedule Transfers" link. Next, click on the "Add" button and choose your criteria. The "transfer memo" will appear in your e-mail message. The e-mail message that you complete is sent to any e-mail address of your choice. To enter more than one e-mail address, separate with a semicolon. Be sure to complete the e-mail message with relevant information (maximum 34 lines). Click on "Save Transfer" to complete setting up your new transfer. You may also have the system send you a reminder e-mail when the final transfer has been made.

To edit or delete your transfer, just click on the corresponding link under "Action" on the "Schedule Transfers" page.

Please note: 

• Scheduled Transfers take place early in the morning, followed by our ACH posting.  If you want to transfer funds on the same date as you plan to receive them via ACH, we suggest you schedule the transfer for the following day.   
• Current "Fifth-of-the-Month Transfers" will not be affected by scheduling a new transfer. Please contact us at (408) 543-5202 or (866) 543-5202 if you would like to delete your current "Fifth-of-the-Month Transfer." Then go into Online Banking and set up your own on any day and for any time frame you choose.

If you currently have automatic transfers set up to make payments on a loan or Visa card, contact us at (408) 543-5202 or (866) 543-5202 if you would like to make a change.

If you have a payroll deduction to post funds to a loan account each pay period, that information will not be editable in the Online Banking system (the table that will display all of your scheduled transfers). If you schedule a transfer to a loan after the payroll transfer to that loan occurs, you will double post the payment. If this occurs, please call us at (866) 543-5202 or (408) 543-5202 if you wish to have the accounts adjusted.

 There are five types of Notifications that you may choose from.

• Account Balance** (based upon the total account balance and includes notifications for loans and Visa balances)
• Maturity Date (used for Certificates and IRAs)
• Check Cleared*
• Periodic Balance (based on account balance and date), and
• Personal Periodic (personal reminder e-mails) notification functions

* Note: You will receive an e-mail every day after the check clears until you log in and delete the notification.

To set up a new Notification, click on the "Notifications" link. Choose the type of notification you prefer from the drop down menu, then click "Add." Choose your criteria. Be sure to complete the e-mail message with relevant information (maximum 34 lines). Enter either your e-mail address or your SMS/Text address in the "E-mail to" box. 

SMS/Text formats from major carriers are shown below:

To enter more than one e-mail address, separate with a semicolon (not available for SMS/Text messages). Click "Save Notification" to complete the set up process.

To edit or delete your Notification, just click on the corresponding link under "Action" on the "Notifications" page.

Tip: Use the Notifications feature to track your account balances in an effort to quickly discover possible fraudulent activity on your account. You can set up notifications for loans as well. An example is to set up your Visa Account to send a notification when your balance reaches a certain level in order to track usage.

 Our Export facility allows you to export your account information into either a QFX, QBO, CSV, OFX, and other formats. These formats are compatible with the Intuit's Quicken˜ & QuickBooks, and other personal financial management (PFM) software packages respectively, as well as MS Excel.

 You can stop payment on any personal check by clicking on the Stop Pay link. You will need to choose the correct account the check was written on from the drop down menu, then enter the check number, amount, date written, and payee name. You may choose to enter a "comment" as well, which will appear on your statement. There is a $13 fee. To stop payment on a series of checks or Bill Pay Laser Check (995XXX), please call our Member Services Department at (408) 543-5202 or (866) 543-5202 for assistance.

 Search your transactions on dates, check numbers or transaction amounts in all your Star One accounts by using the Search Account link.

 Use FinanceWorks to help you with all your budgeting needs.  Click on the "Take the Tour" link to learn more.

 Sign up for eNotices and receive e-mail or text alerts when a new eNotice is available.  eNotices include Tax forms and certain notices from Star One.  Learn more here. 

 Click our Online Services link to:

		Move funds between your Star One account and your accounts at other financial institutions using External Funds Transfers.
		Open a Checking, Sub-Savings or Certificate account.
		Reorder checks through Harland Clarke.  To track your order click on the "Order Status" link at the top of the screen, or the "Customer Service" tab.

 You can pay your bills online using Bill Pay. A short registration process is required. Please take a moment to read the "Bill Payment Service Agreement" when you register, as it provides valuable information regarding scheduling, processing, and fees. It takes approximately 3 business days from the time you register until you can start paying your bills online.

You must have a checking account in order to use Bill Pay. To open a Star One Checking Account, click here. Visit our Bill Pay "Important Points" page for more specific information.

Enroll in Mobile Banking.  Simply complete the short enrollment form.  Learn more here.

 Online Forms allow you to apply for the products and services shown. To use this feature, click on the product or service that interests you and complete the form. Please make sure that you have read any disclosure text, if shown, before submitting the application. Because you are logged in to Online Banking, some of your personal information will auto-populate on each form. The form you are using determines what kind of information will auto-populate.

 Our 24/7 Loans application features a shorter application and a response within 90 seconds! You may apply for all vehicle loans, Visa cards and personal lines of credit, share secured loans, and personal loans using this streamlined and easy-to-use application.

 You can view your account statement and Visa statement online by clicking on the Online Statements link. Each of your monthly Online Statements is available in .pdf and .html file format.  We keep 7 years of online statements for you, beginning the month after you enroll.

You can search and sort on the .html version by clicking on the up and down arrows in the blue Transaction Description bar behind the Transactions and Checks Cleared tabs.  Click on the check number to see front and back images of the cleared checks.  If the description of the check includes "W/D DRAFT" this check was electronically converted and the images will not be available. Click on the Help link for context sensitive help.

Star One will stop mailing paper statements when you sign up for Online Statements. Your Online Statements begin to appear on the first business day of the month following your sign up date.

We send you an e-mail reminder when your Online Statement is available for viewing. As a result, you will be required to provide an e-mail address in the User Options section of Online Banking. If you change your e-mail address in User Options, you must click on the Online Statements link afterward to sync up your e-mail address to the Online Statements system. 

There are no fees or account restrictions for requesting any paper statements or choosing to withdraw your consent for online statements.

• To enroll, click on the Online Statements tab.  After you agree to the disclosure, click on "Delivery Options" then choose your statement type. Finish the prompted steps.
• To unenroll, click on "Delivery Options" behind the Online Statements link. Then choose the "Paper" radio button beside the statement type. Click on "Submit Changes."

  Deposit checks online using ezDeposit.

LINKS

User Options is where you do your Online Banking "housekeeping." You may:

• change your password,
• set your Online Banking session time-out,
• update your e-mail address,
• set your default history date range,
• set your default history sort order,
• change your Online Banking start page,
• choose "nicknames" for your Online accounts for easier reference. Using this feature you may also elect not to display selected accounts.
• set up your Alternate Login ID. If you choose to change your Login ID back to your member number, you will need to Contact Us.
• change your Enhanced Login Security options and set your challenge questions.

The Help link is context-sensitive (depending on the current page being viewed) and will bring up detailed information about the feature currently displayed on your screen.

Click our Secure Support link to:

Be sure to click on the Sign Off button at the end of every session. This will delete your session cookie.

Do you have more than one Star One account? You may access it without logging in a second time by scrolling to the bottom of every transaction page and entering the member number and password in the text boxes under Change Current Member.

**Available balances displayed in Online Banking, via Touchtone Teller or on your monthly statement do not include overdraft and/or credit line amounts.