System and Web Browser Requirements for INOVA Online Banking

1. What should I do to maintain the security of my personal and financial information?
2. What hardware, software, and services do I need for INOVA Online Banking?

How to Sign Up for INOVA Online Banking

1. Is INOVA Online Banking just for personal accounts, or can businesses also use INOVA Online Banking?
2. How do I get a Sign-On ID and password for INOVA Online Banking?
3. How long does the enrollment process take?
4. Can I choose my own Sign-On ID and password?
5. What do I do if I forget my password?
6. What do I do if I cannot find my Sign-On ID and password?

What You Can Do with INOVA Online Banking

1. What functions are available online for my accounts?
2. I have both business accounts and personal accounts; can I transfer between them?
3. Can other people access my financial information?

How to Access Your Accounts Online

1. How do I log in to INOVA Online Banking?
2. Why is it so important for me to sign off from INOVA Online Banking?
3. Is INOVA Online Banking available all the time?
4. Can I use my browser's Back and Forward buttons to go from one INOVA Online Banking page to another
5. What account information can I see online?
6. Do I have any control over the account detail that is displayed?

Question #1

What should I do to maintain the security of my personal and financial information?

Answer:

At INOVA Federal Credit Union, we understand that security is one of our primary responsibilities. With this in mind, we have taken the necessary steps to provide our members with state-of-the-art security for their online banking transactions. Our infrastructure, coupled with the security features built into your browser and operating system, can provide you with a secure environment -- but only if you do your part. To help maintain the security of your accounts, follow these guidelines:

Maintain the security of your Sign-On ID and password.

Protect your computer from malicious programs and intruders by running an anti-virus utility and maintaining a firewall.
Make sure you have applied the latest security patches to your web browser and operating system, especially if you use Internet Explorer and Windows.

If you use Internet Explorer, consider using an alternative web browser, such as Google Chrome, Firefox, or Safari.

Protect yourself from e-mail fraud.

Question #2

What hardware, software, and services do I need for INOVA Online Banking?

Answer:

You do not need any special hardware or software to access INOVA Online Banking.  You just need an internet connection.  You can access INOVA Online Banking by using Internet Explorer, Google Chrome, FireFox, and Safari. You can even access your INOVA accounts online using your smartphone through the browser or our Mobile app available in the Apple App store or Google Play store..

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Question #3

Is INOVA Online Banking just for personal accounts, or can businesses also use INOVA Online Banking?

Answer:

INOVA Online Banking is for anyone: individuals and businesses. We provide separate enrollment options for individuals and businesses.

Note that due to banking regulations, you cannot create a single enrollment that includes both business accounts -- for which tax is reported under a Tax ID Number (TIN) -- and personal accounts -- for which tax is reported under your Social Security Number (SSN).

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Question #4

How do I get a Sign-On ID and password for INOVA Online Banking?

Answer:

In order get a Sign-On ID and password for INOVA Online Banking, you need to enroll your account(s) using our online enrollment form. To enroll, go to the INOVA Federal Credit Union web site and do the following:

• Click on the Enroll Online button.
• You will see links for Personal Account Enrollment and Business Account Enrollment. Click on the link that applies to you. This will take you to the appropriate online enrollment form.
• Fill out the enrollment form and submit it. 

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Question #5

How long does the enrollment process take?

Answer:

For Personal Account Enrollments, if the information you entered on the enrollment page is validated, you will have immediate access. For Business Account Enrollments, or if you need to enroll with a Member Service Specialist, we typically send out your Sign-On ID and password no later than the next business day.

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Question #6

Can I choose my own Sign-On ID and password?

Answer:

You can choose your own Sign-On ID. When we enroll your account(s), we will send you a temporary password. When you log in for the first time, the online banking service will require that you change your password. This means that everyone who uses INOVA Online Banking gets to choose their own password.

Passwords must contain one special character, one numeric character, one lowercase alphabetic character and one uppercase alphabetic character. The password must be between nine (9) and sixty four (64) characters in length. Spaces are not permitted. 

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Question #7

What do I do if I forget my password?

Answer:

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Question #8

What do I do if I cannot find my Sign-On ID and password?

Answer:

If you forget your Sign-On ID for your personal accounts you can either visit a branch or call into INOVA FCU. If you visit one of our branches you will need to speak with a Member Service Specialist (MSS) who can assist you with this problem. If you prefer to INOVA FCU please call us at 800-645-3732 during normal business hours (Monday through Friday, 9:00AM to 5:00PM EST) so that we can assist you over the phone. Please note that in order to provide your Sign-On ID over the phone you will need to have Security Questions on file.

If you forget your Sign-On ID for your business accounts, you must call the System Administrator for your company. This is an individual within your company who was enrolled as the System Administrator.

If you know your Sign-On ID, but you forget your password for your personal accounts, simply click on the Forgot Your Password link on the Password screen. You will be required to enter your SignOnID and Email address that is currently on your profile in Online Banking, then select Continue, which will send a One Time Password (OTP) to the email address that was entered. Once the One Time Password (OTP) has been received it must be entered within 3 minutes on the Forgot Your Password – Retrieve Step 2.  If the OTP is correct, a second email will be sent to the user with a temporary generated password.

 The user then signs into DNAWeb using the temporary generated password and is prompted with the “New Password Required” page where they must set a new password.  The new password must contain one special character, one numeric character, one lowercase alphabetic character and one uppercase alphabetic character. The password must be between nine (9) and sixty four (64) characters in length. Spaces are not permitted. 

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Question #9

What functions are available online for my accounts?

Answer:

When you enroll your accounts for INOVA Online Banking, you will be given the following functions, based on the type of account:

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Question #10

I have both business accounts and personal accounts; can I transfer between them?

Answer:

If your business has its own tax ID number, (TIN), then you cannot transfer between your business and personal accounts. Banking regulations prevent the Credit Union from allowing this type of transaction -- and your accountant would probably also frown on this type of transaction, even if we allowed it. You can, however, use online bill payment to solve this problem. As a person, you can pay your business; and your business can pay you as a person

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Question #11

Can other people access my financial information?

Answer:

We give you a Sign-On ID and password so that only you have access to your accounts through INOVA Online Banking. All account information transferred to your computer is done so over a secure connection.

Keep in mind, however, that you yourself have a critical role in maintaining the privacy and security of your account. To help ensure the security of your financial information, follow these rules:

• Do not give your Sign-On ID and password to anyone. If two or more people share a Sign-On ID and password, The INOVA Federal Credit Union has no way to tell which of those people actually performed a given transaction. You are responsible for any transaction performed using your Sign-On ID and password.
• Do not leave your Sign-On ID and password out in the open where anyone passing by can see it.
• Do not leave your computer unattended while you are logged in to INOVA Online Banking. If you leave your computer unattended while you are signed on, anyone passing by could use your computer to perform any of the transactions that you are authorized to perform.
• Always sign off at the end of an INOVA Online Banking session. This will terminate your session, which will prevent someone from using your browser's Back button to return to a session that has not yet timed out.

In general, all of these are common-sense rules. Use good judgment to ensure that your financial information remains secure.  INOVA Federal Credit Union is not responsible for nonpublic personal information or financial information that becomes public because you did not maintain the security of your Sign-On ID and password. The INOVA Federal Credit Union is also not responsible for financial loss that occurs because you did not maintain the security of your Sign-On ID and password.

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Question #12

How do I log in to INOVA Online Banking?

Answer:

To log in to INOVA Online Banking, do the following:

• Enter your Sign-On ID
• Press the Enter button
• Enter your Password
• Click Sign On button

If you have a problem logging in, refer to our Troubleshooting section.

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Question #13

Why is it so important for me to sign off from INOVA Online Banking?

Answer:

It is very important that you end each INOVA Online Banking session by signing off. To sign off, click on the Sign Off link on the left side of any INOVA Online Banking page. This will end your INOVA Online Banking session.

Why is this so important? Because of the way the Web works, signing off is the only way the online banking service knows that you have ended your session. If you leave INOVA Online Banking without signing off -- by going directly to another web site, for example -- the online banking service keeps your session alive for up to 20 minutes while it waits to see if there is something more you want to do. This is not good for two reasons: First, it is a security risk; if you leave your PC unattended during this time, someone could use your browser's Back button to return to your active session. Second, if you try to sign on again before the online banking service has timed out your session, you will receive an error message.

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Question #14

Is INOVA Online Banking available all the time?

Answer:

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Question #15

Can I use my browser's Back and Forward buttons to go from one INOVA Online Banking page to another?

Answer:

In general, you should never use your browser's Back or Forward buttons to go from one INOVA Online Banking page to another. If you are doing a transaction -- such as paying a bill, or transferring money -- use the buttons at the bottom of the page to either complete the transaction or cancel it. Use the buttons at the top of a page to perform a function related to that page, such as Add Payee or List Payees. If you are viewing information and want to go to another page, use the links on the left-hand side of each page.

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Question #16

What account information can I see online?

Answer:

INOVA Online Banking shows you a list of your accounts, summary information about each account, a transaction register, lists of pending bill payments and transfers, and lists of your payees. Initially, INOVA Online Banking will display up to 90 days of history for your accounts. As you use INOVA Online Banking, your transaction history will accumulate. INOVA Online Banking stores over a year of transaction history by the time you have been using it for ten months.

INOVA Online Banking reports allow you to see summary and detail information about your accounts. You can assign transactions to categories that you define, and then report on transactions using those categories.