Workers Credit Union

Home Banking	Bill Payment	Money Mover	eStatements	Mobile Banking

Home Banking

Workers' Credit Union offers a comprehensive online banking system.

View our online product Demo.

If you experience difficulties logging in use our help guide.

For security information, click here.

This online banking service works best with these browsers.

Test your browser.

Having trouble testing?

To review our Home Banking Service Agreement, click here.

These are the steps needed to access our system for the first time:

• The User Name is your Social Security Number.
• The Password is your Phonelink four digit PIN.
• If you do not have a Phonelink PIN please call our Member Information Center
  at 978-345-1021 or 800-221-4020 (for non-local MA or NH).

• Getting Started
• Enhanced Security
• Bill Payment Information & Overview
• Money Mover Information & Overview
• Home Banking Features
• Browser Versions & Security
• A Note About Account Histories
• A Note About Inactivity
• Contact Us

The Power of Home Banking

Workers’ Online offers you a number of new, powerful conveniences to make your life easier.

Account Access gives you the power to:

• View a summary of all your accounts
• Perform balance inquiries
• Transfer funds between accounts
• Make loan payments
• Get detailed account transaction histories
• See if checks have cleared

Bill Pay gives you the power to:

• Pay virtually all of your bills
• Choose single or recurring payments
• Schedule future payments
• View pending payments
• View payment history

Money Mover

• Fully interactive on-line Funds Transfer
• Transfer funds from any of your accounts at Workers' to any other account held
  by you or another person at the same or another financial institution.
• Money Mover is email based. All communications and notifications will be sent via email.

Export gives you the power to:

• Download account information into either Quicken® or Microsoft® Money™

Stock Quotes gives you the power to:

• Obtain current stock quotes
• Create a stock portfolio - real or virtual
• Search for trading symbols
• Track profits and losses

User Options gives you the power to:

• Change your password
• Change timeout
• Change your user ID
• Change your history date range

Getting Started

You can sign-on and access your accounts immediately, no waiting, and no forms to return. If you’re already a member and have accounts with us, all you’ll need is your social security number, a PhoneLink PIN (if you have one) and a computer with Internet access.

From the Home Banking Sign On page simply use your social security number as your User ID and your PhoneLink PIN as your Password and then click the enter button. Then you will be prompted to fill in your personal information to register to the service. After you submit the registration form you will be asked to change your User ID to something other than your social security number for security reasons. Once you complete that you will then have access to all the features of Home Banking.

If you would like to learn more before registering try looking at our Home Banking Demo

Enhanced Security

What is Enhanced Login Security?
Enhanced Login Security is a new online security feature that will provide you additional protection from fraud and identity theft. Enhanced Login Security helps prevent unauthorized access to your accounts and secure financial information.

Why do I need to use Enhanced Login Security?
Enhanced Login Security will allow us to recognize you as the true owner of your account by recognizing not only your login information, but also your computer browser. If we don't recognize your computer browser, we will request additional information that is known by only you, to ensure authorized access.

How does Enhanced Login Security work?
You will need to add extra security to each computer browser that you use for online banking. This can be done easily from the Enhanced Login Security Options page. Whenever you login from a computer browser that you have added extra security to, you will automatically have additional protection, and notice no difference in the way you login. However if you login from a different computer browser than one that you have added, you will be asked for additional information in order to login.
Please note that if you use multiple browsers within the same computer you will need to add extra security to each browser separately.

How do you recognize my computer?
When you add extra security to your computer, a secure cookie will be placed on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to one computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used by Workers' OnLine to validate your identity and does not contain any personal information.

What will adding extra security protection do for me?
Adding extra security protection to your computer allows us to recognize your computer browser along with your normal login information, which helps add additional protection from unauthorized access to your accounts. If someone were to get your login information and try to access your account from their computer, having extra security protection will stop them from gaining access because they will be asked for information that only you know, and would not have that information.

What will happen if I remove extra security protection from this computer?
If you want to remove extra security protection from this computer, the secure cookie will be removed from the computer you are currently logged into, and all future logins from this computer will require you to provide more information about your self that only you will know. To remove extra security protection from this computer browser, select the Enhanced Login Security Options page, click the radio button that says "Remove extra security from this computer", and then click the submit button.

How does Enhanced Login Security protect me?
Enhanced Login Security allows us to know that it's really you logging into your account. We know it's you because we recognize your computer browser AND your login information. If we do not recognize your computer browser, then you will be asked for additional information that is known by only you.

Can I login from multiple computers and browsers?
Yes, you can login from as many different computer browsers as you like. If you login from a computer browser that you haven't added extra security to, you will be asked for additional information so that we can verify that it's really you. If you provide this information correctly, you will have the option to add extra security to that computer browser, and avoid being asked for this extra information again.
Please note that if you use multiple browsers within the same computer you will need to enroll each browser separately.

Can I still login to my account from anywhere?
Yes, this feature does not prevent you from logging in from any computer browser. If we do not recognize the computer browser that you are using then we will simply ask for additional information that only you know before allowing you access.

What should I do if I do not want to use a computer browser that I have previously added extra security to?
If, for any reason, you no longer plan on using a computer browser to access your accounts, and you have added extra security to that computer browser, you should remove the extra security from that computer browser. This can be done by logging into your account from the computer browser that you wish to remove the extra security from and selecting the "remove extra security from this computer" option from the Enhanced Login Security options page. This will remove the secure cookie from that browser; so that if an attempt to login to your account is made from that computer browser, extra information will be requested before access is granted.

Why do I keep getting asked for extra information when I login from a computer browser that I have already added extra security to?
This is probably happening because the secure cookie that was placed within your browser is getting deleted. This can happen if you delete cookies from your machine. This is a common method that Spyware blocker software uses to remove potentially risky items from your computer. These solutions typically remove ALL cookies as a precaution, even though very few cookies are actually security risks. In order to use this feature without being asked for additional information at each login, the secure cookie that we use to identify your computer browser must stay within your browser. We recommend that you do not delete these cookies if you do not want to be asked for additional information at each login.

I share my computer with someone that also uses Internet Banking. Can both of us still login from the same computer?
Yes. You can use the same computer browser to login to your individual accounts safely; you will not be able to access each others information. This is because your secure cookie is linked to only your login information. There is no limit as to how many secure cookies can be installed on the same computer browser. Just remember to never share your User Identification or Password with anyone.

Browser Versions & Security

Workers’ Online Home Banking has the highest standard of privacy protection available. All transactions are secured with multiple layers of encryption, firewall's, screening and filter routers. The security measures used exceed industry standards in protecting the confidentiality and safety of your transactions. The Internet delivers your financial information to you, while a private network is used to access our host computer. To learn more about Home Banking security click here.

To access Home Banking you will need a Browser with SSL 3.0 and 128 bit encryption rate (cipher strength). We recommend using the highest browser versions available, however the lowest browser versions currently supported by Home Banking are Internet Explorer 6.0, Netscape Navigator 7.2, AOL 8.0, Mozilla Firefox 1.0 and Safari 1.2.

To Ensure Your Own Security

To keep your accounts safe, please remember to:

• Change your password frequently.
• Never share your password, PIN, or other security codes with anyone.
• Close out of your browser software before leaving your computer.

Bill Payment Overview & FAQ

For additional security purposes, in order to use the Bill Payment feature you must first register. In about two business days your Bill Payment account will be opened and you will be able to access it through Home Banking.

Bill Payment FAQ

Learn more about how Bill Pay works. Bill Pay Frequently asked questions.

Money Mover Overview & FAQ

Welcome to Money Mover! - The next generation of on-line personal finance management. With the fully interactive on-line Funds Transfer, you may transfer funds from any of your accounts at Workers' to any other account held by you or another person at the same or another financial institution.

Important Information Before Signing up

Money Mover is email based. All communications and notifications will be sent via email. It's recommendable that you keep your email address up to date. To update your email address please sign on to Home Banking, go to user options and then click on E-mail Address. To register, log in to home banking, click on Money Mover and then click on Funds Transfer.

Learn more about how Money Mover works.

A Note About Account Histories

Checking account histories are available on Home Banking for at least the past six months. All other account histories are available for up to one year.

A Note About Inactivity

Any Home Banking user who does not access their account for 90 days or more will be considered inactive. Inactive Home Banking accounts are automatically purged from our system on a routine basis. A member who has been purged for inactivity can always re-register for Home Banking. This will include re-entering the payment options which you might have already selected. Any member who provides a valid email address within Home Banking will receive an email warning them if their access has been inactive for alteast 45 days.

Any Bill Payment who does not pay at least one bill every 90 days or more will be considered inactive. Inactive Bill Payment accounts are automatically purged from our system on a routine basis. A member who has been purged for inactivity can always re-register for Bill Payment.

Home Banking Features

Workers' Credit Union always tries to provide the very best service to its members. To continue with that tradition Workers' Online has added several new features to Home Banking to enhance the value of our product:

1. eCheck Copies: Now you are able to view front and back of your canceled checks simply by clicking on the check number in the Account History Page. You will need Adobe Acrobat Reader to view the eCheck Copies. It is a FREE download.

2. Quick Transfer: You are now able to transfer funds without going to the transfer page! The transfer functionality will be conveniently located on the Account Summary page of Home Banking. The separate transfer page will still be available to make transfers.

3. Account Nicknaming: You now have the ability to customize your Account Summary and Account History pages by naming your own accounts. The Account Nicknaming feature will make it easier for you to identify your accounts in the summary list. This feature also offers you the ability to remove an account from the list of accounts displayed on the Account Summary page. This new feature is accessible through the 'User Options' page.

4. Printer Friendly Button: The Printer Friendly Text (PFT) feature allows you to print Account Summary or Account History pages without the graphics.

5. User Defined Start Page: Now you can choose which page displays first after logging into Home Banking. As an example, a member that uses Bill Payment frequently may choose the Bill Payment page as their start page. To select a start page go to 'User Options' and click 'Change Start Page'. This link will take you to a drop-down menu that will display all the main pages that are available to be selected as the start page.

Having Trouble Logging On?

If you are experiencing difficulties while logging on to Home Banking read this helpful hints:

• Your PhoneLink PIN is not the same as your ATM PIN. If you have never used PhoneLink you will need to call Member Services to be set up on the PhoneLink system.
• Keep in mind our User ID and Password fields are case sensitive.
• If you have already registered and this is your second time logging on, remember your User ID is no longer your Social Security Number because you were prompted to change your User ID the first time you logged on.
• If you continually get the same error message try deleting your Temporary Internet Files.
• If you still experience difficulties logging in use the Online Help Guide for step by step instructions help guide.

Contact Us

Send a secure email  to Workers' Credit Union
or
Call Member Services at 978-345-1021 or 1-800-221-4020 (non-local in MA & NH).
Our Member Services Representatives are available to assist you Monday thru Friday 8:00 AM to 6:00 PM, and Sat 9:00 AM to 12:00 PM.

Please read our disclosure: Workers' Credit Union is confident of our system's ability to protect all transactions available herein; however, certain portions of this system are for the use of authorized users only. Those portions are a private computing system; use is restricted to authorized individuals. Actual or attempted unauthorized use of restricted portions will result in criminal and/or civil prosecution. We reserve the right to view, monitor and record activity on the system without notice or permission. Any information obtained by monitoring, reviewing or recording is subject to review by law enforcement organizations in connection with the investigation or prosecution of possible criminal activity on the system. If you do not consent to continued monitoring, exit the system at this time.