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Online Account Access Questions

General Online Account Access Questions
User Name and Password Questions
My Recent Activity Questions
My Statement Questions
Pay My Bill Questions
Update My Info Questions
Technical Help
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| General Online Account Access Questions |
| Q. |
If I have more than one account, how can I access all of my accounts online? |
| A. |
In order to access your accounts, the registration process must be completed individually for each account; each account will then have its own User Name and Password.

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| Q. |
Are there any specific times when I won't be able to access my account information? |
| A. |
Although we strive for continuous up-time, the website may be generally unavailable from time-to-time. In addition, due to occasional system maintenance and updating procedures, and although the website itself may be operational, we might be periodically unable to provide your specific account information from 12am to 4am Pacific Time. We apologize for any inconvenience this may cause.

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| User Name and Password Questions |
| Q. |
What if I forget my user name or password? |
| A. |
You may easily reset your user name or password online by clicking the Forgot Your User Name or Password link on the homepage or the Account Sign In page. Then, just follow the instructions.

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| Q. |
Can I change or update my user name or password? |
| A. |
Yes. Click on the Update My Info tab after you are Signed In and follow the instructions on that page. After you have confirmed your changes, you will be redirected to the Sign In page where you must Sign In to your account again using your new user name and/or password.

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| My Recent Activity Questions |
| Q. |
What is the My Recent Activity page? |
| A. |
The My Recent Activity page lists all activity on your account that has occurred since your last statement.

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| Q. |
What is Account Snapshot? |
| A. |
Your current statement information is shown in the default view on the My Statement page. To view other statement information, you can select a particular statement date from the pull-down "Select a Statement" menu available for your convenience on most Online Account Access pages.

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| Q. |
What is Account Summary? |
| A. |
On the My Recent Activity page, Account Summary is a presentation that summarizes your current account information. It provides the same data as the Account Snapshot, but is larger in format. On the My Statement pages, Account Summary summarizes the information for that billing period only.

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| Q. |
How often is the My Recent Activity page updated? |
| A. |
Updated account information generally appears online as soon as we have posted a transaction to your account.

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| Q. |
Why don't I have any Activity Since Last Statement? |
| A. |
All activity that has posted on your account since the last statement available is listed. If you have not made any transactions since your last statement, this section will not have any entries. If you have made a transaction and it does not appear, that transaction may have not yet posted to your account.

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| My Statement Questions |
| Q. |
How do I view My Statement? |
| A. |
Your current statement information is shown in the default view on the My Statement page. To view other statement information, you can select a particular statement date from the pull-down "Select a Statement" menu available for your convenience on most Online Account Access pages.

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| Q. |
How many statements can I view? |
| A. |
You may view information from up to six (6) of your most recent statements. If you are a new customer we will add new statement information each month until information from your most recent six (6) statements are available.

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| Q. |
When will My Statement be available online? |
| A. |
Your statement information will become available four (4) days after your cycle date unless you did not receive a statement last month because you had a zero ($0.00) balance on your account.

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| Q. |
Will I still receive a printed statement? |
| A. |
Yes, you will continue to receive your printed statement as usual.

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| Pay My Bill Questions |
| Q. |
What are the differences between an Express Payment and a Standard Payment? |
| A. |
When you choose the Express Payment option your funds will be available sooner (usually the next business day), and you may make a payment via your Debit card, ATM card, or your Bank Account. When you make a Standard Payment your funds will become available in about 5 business days and you may pay with your Bank Account only.

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| Q. |
How do I know if a payment has posted to my account? |
| A. |
Posted payments will appear in the POSTED TRANSACTIONS SINCE LAST STATEMENT section of the My Recent Activity page and the ACTIVITY SINCE LAST STATEMENT section of the My Statement page.

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| Q. |
When will my payment post? |
| A. |
Payments made by 2:00pm (Pacific Time) Sunday through Friday will post that same day, displaying online the following business day.
Payments made after 2:00pm (Pacific Time) and before 5:00pm (Pacific Time) will post on the next business night and be back-dated to the actual date received, displaying online the following business day.
Payments received after 5:00pm (Pacific Time) Saturday through Thursday will post and display online the following business day.
Payments received after 5:00pm (Pacific Time) Friday and before 2:00pm (Pacific Time) Saturday will post on Sunday and be back-dated to Saturday and display online the following business day.

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| Q. |
What if my payment posts after my payment due date? |
| A. |
You will be assessed a Late Fee unless your payment posts on or before your payment due date.

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| Q. |
How often can I pay online using Pay My Bill? |
| A. |
You can make a payment once every 24 hours.

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| Q. |
Is there a limit to how much I can pay using Pay My Bill? |
| A. |
Yes, the maximum amount you can pay is your Current Balance.

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| Q. |
Is there a minimum allowable payment when using Pay My Bill? |
| A. |
Yes, the minimum allowable payment is $1.00. However, to avoid a late fee, we suggest that you pay at least your Minimum Payment Due.

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| Q. |
Is there a fee for making a payment online? |
| A. |
There is no fee charged if you choose to make a Standard Payment. A fee of $9.95 will be charged if you choose the Express Payment option.

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| Update My Info Questions |
| Q. |
How can I change my address? |
| A. |
You must Sign In to your account and answer your User Authentication question before proceeding. Upon a correct submission, your account information will be displayed for editing. You may only make updates to your contact information once within a 24 hour period.

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| Q. |
How long after submitting an address change will my request take effect? |
| A. |
Once you submit your address change, please allow two (2) bank business days for us to process your request.

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| Q. |
Can I change my name online? |
| A. |
No, you must call us at 1-877-825-3242 to request a name change.

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| Technical Help |
| Q. |
Which Internet browser do you recommend? |
| A. |
To provide you with optimal functionality and service, we suggest you use Microsoft Internet Explorer version 6.0 or higher, or Apple Safari version 1.0 or higher.

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| Q. |
What steps do you take to ensure Online Account Access is secure? |
| A. |
We are committed to providing the most secure Internet service through the use of security and 128-bit encryption technology. When you interact with us on our secure website, all information is encrypted or encoded.

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| Q. |
What is a secure page? |
| A. |
A secure page is any web document sent from a server to a browser in an encrypted form that is intended to be unreadable by anything or person apart from the server and browser in question.

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| Q. |
Does my browser indicate whether or not a page is secure? |
| A. |
Yes. Find the padlock in the lower left- or right-hand corner of your screen. If the lock is closed, you are viewing a secure page. If the lock is open, the page is not secure.

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| Q. |
What should I do if my browser only loads part of a page? |
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Select Reload or Refresh from your browser's tool bar. If this does not help, our website may be experiencing an exceptionally large volume of traffic. Please try again at a later time.

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