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online banking, free online banking, bill pay, eStatements

Online Banking for Consumers
Online Banking for Businesses

eStatements

Online Banking Security - Multi-Factor Authentication Solution

Online Banking Security - Anti-Phishing Solution from Comodo

Frequently Asked Questions - FAQs

Online Best Practices

Schedule of Charges for Consumers

Schedule of Charges for Businesses

 

 

 

Online Banking for Consumers

Enjoy FREE Personal Online Banking…from just about anywhere in the world, 24 hours a day, 7 days a week!

  • View account balances and account information.
  • Review account transaction history.
  • View check images – Just click on the check number in your transaction history to see a copy of the front and back of the check.
  • Transfer money between accounts.
  • Transfer money to make a loan payment.
  • Place a stop payment on a check.
  • Utilize the electronic check register that works just like your old paper register!  You can enter pending deposits or withdrawals, and the register will automatically balance when the matching item posts to the account.
  • Categorize income and expenses and use a reports function that offers features usually found only in stand-alone financial software packages.
  • Download account transaction history to personal financial software such as Quicken® and Microsoft Money®.
  • Use the “Mailbox” feature to securely send messages to and receive messages from our Customer Service Center.
  • Use the “Other Services” feature as a 24 hour Customer Service Center to change your address, order a debit card, renew a certificate of deposit or IRA, wire funds, etc.
  • Use the “Options” feature to change screen colors and spacing.

That’s not all ….. sign up for free eStatements and receive access to more than 3 ½ years of account statements and images of paid checks.

  • eStatements are stored securely in the WinOnLine Internet Banking and Bill Payment Service and can be accessed easily.  No more statements in the mail reduces your risk of identity theft.

  • eStatements are available in the statement archive the morning after the statement cycle date and we send an email to notify you when they arrive in the statement archive.

  • eStatements are archived for more than 3 ½ years!!!  No need to file away paper statements; we store them for you online including front and back images of all paid checks.

  • eStatements save paper…ultimately saving trees.

Free Online Bill Pay Too!….Unbelievable!!!

  • Pay your bills today, next week, while you’re on vacation, or set up recurring payments of fixed amounts using easy point-and-click maneuverability.

  • Pay anyone – from the telephone company to the person who delivers your newspaper.

  • Pay multiple bills on one screen with just a few clicks.

  • Pay bills from more than one checking account.

  • Save time…no stamps, check writing and trips to the post office.


Online Banking for Businesses

WinOnLine provides FREE online account access for your BUSINESS accounts!

With WinOnLine you can access your accounts 24 hours a day, 7 days a week from just about anywhere absolutely FREE!

WinOnLine Banking enables you to:

  • Access account information 24 hours a day, 7 days a week.

  • Check account balances or review your online statement.

  • Transfer funds between accounts for today, for a future date or on a recurring basis.

…and once you’ve experienced WinOnLine, you’ll want to add the convenience of our bill payment feature!

  • Pay your bills today, next week, while you’re on vacation, or set up recurring payments of fixed amounts using easy point-and-click maneuverability.

  • Pay anyone -  from the telephone company to the person who delivers your newspaper.

  • Pay multiple bills at one time.

  • Pay bills from more than one checking account.

  • Save time… no stamps, check writing and trips to the post office.

  • Download account histories to business financial software such as Quicken®, or Microsoft's Money®.

 


eStatements

All Statement Accounts are Eligible to Receive eStatements.

eStatements are your regular monthly statements delivered electronically to a statement archive within the Windsor Federal Savings Internet Banking and Bill Payment Service where you can view, search, save and print copies online of your account statements and the front and back of all paid checks.

No more paper waste.  No more file drawers full of old statements and no more financial statements in your mailbox while you’re away.

eStatements are secure, fast, convenient and environmentally friendly.

  • eStatements are stored securely in the WinOnLine Internet Banking and Bill Payment Service and can be accessed easily.  No more statements in the mail reduces your risk of identity theft.
  • eStatements are available in the statement archive the morning after the statement cycle date and we send an email to notify you when they arrive in the statement archive.
  • eStatements are archived for more than 7 years!!!  No need to file away paper statements; we store them for you online including front and back images of all paid checks.
  • eStatements save paper…ultimately saving trees.

Sign up for eStatements through our eDocument Delivery Service and you will never want paper statements again!!!

To sign-up for eStatements you must be enrolled in online banking (WinOnLine).

If you are not already enrolled in WinOnLine, click here to complete and submit the enrollment form for processing. Once your enrollment form has been processed and you have successfully accessed WinOnLine with your Sign-On ID and Password, you will simply click on the blue "eDocuments" button located in the middle of the main "Accounts" page of WinOnLine. You will then be presented with the "eDocuments User Agreement" for your review and acceptance. Once you have read this Agreement and clicked on the "Accept" button at the bottom of the Agreement, your "primary" statement accounts that appear on the main "Accounts" page of WinOnLine will automatically be converted to eStatements and you will have immediate access to more than 3 1/2 years of account statements for those accounts including front and back images of all paid checks. Please CLICK HERE for further details about eStatements.

 

Online Banking Security - Multi-Factor Authentication Solution

Online Banking Security – Multi-Factor Authentication Solution

Windsor Federal Savings, in accordance with federal banking requirements, is adding an additional layer of security to WinOnLine, the online banking and bill payment system.  In addition to the Sign-On ID and password, this multi-layered, high level security program is designed to provide enhanced online banking security to further protect your personal account information when banking online.

Currently, when you sign on to WinOnLine, you are identified by your Sign-On ID and you authenticate who you are with your password (this would be considered Single-Factor Authentication).  In Multi-Factor Authentication, you provide a second authenticating factor.  Some web sites issue physical tokens, some use challenge phrases, some use random number generators and each method has its pros and cons.  Windsor Federal Savings has carefully weighed its options and has decided to use a digital certificate based or challenge phrase method for the second form of authentication.  The benefits of this option are:

  • No physical devices such as tokens to carry.
  • You create your own challenge phrases; we do not force you to answer questions specified by us but rather enable you to create your own security questions and answers. 
  • SSL Certificates use 128 bit encryption technology to not only verify who you are, but also to verify your computer.
  • You can install a certificate on more than one computer if necessary.

Why is this additional layer of online security necessary?

Federal regulators are mandating that financial institutions implement a second layer of security for online banking in order to protect your accounts from computer hackers and identity thieves.

What is a digital certificate?

Digital certificates are security tokens that provide an additional means of proving your identity in electronic transactions, much like a driver’s license does in face-to-face interactions.  Digital certificates protect the integrity of the data and provide a behind-the-scenes transparent Sign-On method that won’t inconvenience you.

How will this security feature be implemented?

After we turn on the Multi-Factor Authentication solution, upon your first Sign-On, you will be automatically guided through the registration process.  This simple process will only take a few minutes and will only need to be completed one time.  The process begins with the creation of three (3) security questions with unique responses containing a minimum of five (5) characters.  When creating the responses to your security questions, we recommend that you make the response a single word to avoid spacing/typo errors that may cause sign on issues.

You will also be asked to download a digital certificate that will uniquely identify your computer and prevent you from having to answer a security question with each Sign-On.  Registering your computer with a certificate tells us that it is you, not a hacker from an unknown computer attempting to access your account.  This process will not cause your user name or password to be changed and we will not contact you by phone or email to obtain additional security information.

Do not install certificates on a public computer (library, Internet café, etc….).  If you need to sign on from a public computer, you will be allowed access by answering one of your security questions.

What do I do on or after Monday, June 23rd, if I do not have the time to complete the registration process but I need access to my accounts through WinOnLine?

The registration process associated with the Multi-Factor Authentication solution is voluntary through Sunday, August 10, 2008 but thereafter authentication will be required in order to access your accounts through WinOnLine.  From June 23rd through August 10th, the registration process can be bypassed by signing on to WinOnLine with your Sign-On ID and password and then once the registration page appears, scroll to the bottom of the page and click on “Continue without it” to access your accounts through WinOnLine.  We highly recommend that you register at your earliest possible convenience and not delay until the mandatory date when any unanticipated problems with the registration process could become a significant inconvenience to you.

When is it appropriate to download a digital certificate?

You can download a digital certificate on up to four (4) computers that you normally use to access your accounts.  If you need to download a digital certificate to a different computer other than the one you initially registered, you will need to respond to the security questions again so we can verify your identity, then you can download a digital certificate to that computer and access your accounts.   However, you should not download a digital certificate to a public or infrequently used computer.

What is a public computer?

A computer that is accessible to the general public is considered to be a public computer.  Examples are computers in libraries, school computer labs, hotels, airports and cafes. Please DO NOT install certificates on these types of computers.  If you need to Sign-On to a public computer, you will be allowed access by answering your security questions.  However, you should never download a digital certificate to a public computer.

Do I need to select the digital certificate each time that I Sign-On to WinOnLine?

Not necessarily.  If you have multiple digital certificates on the same computer, then you must select the appropriate digital certificate which can be determined by the appearance of the last two (2) characters in your Sign-On ID.  However, if you have only one (1) digital certificate on your computer, you may suppress the pop-up screen with the digital certificate from your desktop.

On Internet Explorer select “Tools” > “Internet Options” > “Security” > “Custom Level” and then scroll down to “Don’t prompt for client certificate selection when no certificates or only one certificate exists” and click “Enable”.

Please note that changes to browser settings can affect the functionality of your browser and therefore all such changes should be done at your own discretion.

If necessary, can I delete a digital certificate from my computer?

Yes.  On Internet Explorer select “Tools” > “Internet Options” > “Content” > “Certificates” and then highlight the certificate that you would like to remove and click “Remove”.

When will you ask me a security question?

We will ask you a security question when you sign on from an unregistered computer (such as a public or infrequently used computer) or when you sign on from a computer that you have not yet registered.

What do I do if I am Signing-On and I have forgotten the correct answer to the security question?

When you complete the registration process for the Multi-Factor Authentication solution, you are asked to provide up to two e-mail addresses to which a one-time reset code will be sent enabling you to reset your security questions and answers.  If you forget the answer to the security question that is presented, you will see on the same screen below the security question, a button labeled “Send a one-time password”.  Click on this button and then select the e-mail address where you want us to send the reset code, then click “Continue”.  Click “Continue” again and you will be returned to the security question screen.  In a few minutes, the e-mail will arrive from Customer Support / Windsor Federal Savings with your one-time reset code.  Below the security question, is a button labeled “Enter one-time password”.  Click on this button and then enter your one-time reset code.  This reset code will enable you to pass through the authentication process one-time and/or reset your security questions and answers.

What is the difference between the secret question/phrase under “Options” in WinOnLine and the security questions in this security solution?

The secret question/phrase under “Options” in WinOnLine is used to authenticate you when you have clicked “Forgot Password” located in the WinOnLine Sign-On box and are requesting that your WinOnLine password be e-mailed to you.  However, the security questions in this Multi-Factor Authentication solution are used to authenticate you when you have already signed on with your Sign-On ID and password but a digital certificate is not present on the computer that you are using to access WinOnLine.  In essence, the secret question/phrase is associated with the first layer of security (User Name and password) and the security questions are associated with the enhanced security solution.

 

Online Banking Security – Anti-Phishing Solution from Comodo

As previously described, Windsor Federal Savings has deployed a digital certificate or challenge question based Multi-Factor Authentication solution to verify that it is you, not a hacker from an unknown computer that is attempting to access your account(s).  In addition, the Bank has also deployed an Anti-Phishing solution from Comodo (a leading Certification Authority on the Internet – they put the padlock on websites) for you to verify that you are on an authentic Windsor Federal Savings site – BEFORE you divulge your sensitive information.

The combination of Multi-Factor Authentication and the use of Content Verification Certificates from Comodo provides a Mutual Authentication solution by which the Bank identifies you and you identify the Bank to assure secure and authentic online banking interactions.

Windsor Federal Savings is committed to safe and secure online banking interactions.

Banking online can be enormously productive.  You can look up interest rates, sign-on to access your account(s), reconcile your checkbook and even transfer funds all from the comfort of your own home or office.  But that ease and productivity can backfire terribly if you accidentally give your confidential information to a “fraudster”.  Many fraudsters launch “phishing” attacks that direct you to a fake or “phishing” site that looks identical to legitimate sites.  One reason phishing attacks are successful is that unsuspecting online banking users cannot determine that they are being directed to fraudulent web sites during the collection stage of an attack.  These sites are so well constructed that many users cannot determine that they are not legitimate.

Windsor Federal Savings is proud to offer a breakthrough way to protect you from phishing attacks so your confidential information stays confidential.  This new technology is provided to you free of charge as part of our ongoing effort to protect you from this type of threat.

This technology is called VerificationEngine from Comodo.  With this new technology, all Windsor Federal Savings’ logos and Sign-On boxes are protected so that you can authenticate their legitimacy in real time before you divulge anything confidential.  This technology puts fraudsters out of business and you in control of your confidential information.

How does it work?

To authenticate the web content we have protected (our logos and Sign-On boxes), here is all you need to do:

  • Download the small, free reader called VerificationEngine from the Windsor Federal Savings website (www.windsorfederal.com) or go to www.vengine.com.

  • The download is easy and takes just a few moments.

  • Once installed, when you roll your mouse over our authenticated content (logos and Sign-On boxes), a bright green border will be displayed around the edge of your screen.

  • If you need help or have questions with the installation, please go to www.vengine.com.  There you will find support information and frequently asked questions.

And green means you are good to go.

At Windsor Federal Savings, we are committed to your online safety.  The “Green is Good to Go” display means that you can never be reeled in by a phishing attack and that you are at the REAL Windsor Federal Savings website.  Further, many other major financial institutions, online stores and public companies, e.g. Paypal, Amazon, Yahoo, etc… have protected logos on their first page – so you can verify the authenticity of many large sites as well.

This new web content technology is just one way we are working hard to protect your confidential information so you can rest assured that your banking information is always secure.  For more information, go to www.vengine.com

What does the green frame around my screen mean?

Through sophisticated technology, VerificationEngine matches company logo’s or sign-on boxes to legitimate company sites.  So now you can authenticate that the site you are visiting actually is from the company it claims to be.

What if I don’t see a green border when I roll the mouse over the logo?

It can mean a few things, but usually you just need to wait until the page fully loads before you try and verify the web content.  Once the page loads, then you should be able to see the green border around protected content when you roll over the logo.

If after the page loads you still don’t see a green border, it could mean that the site did not protect that specific content.  Today, larger sites and most banks are registered with us and you will see the green border if you roll your mouse over the logo on the first page of these larger sites.

At Windsor Federal Savings, we integrated this technology into the pages that we wanted to be sure were protected and these pages included logos and Sign-On boxes.

Why doesn’t the green border show up on all pages?

Some merchants only have a few pages verified.  As a double check – only input sensitive data on pages where the logo or sign-on box can be verified and where you see a ‘padlock’ symbol in your browser.  This symbol indicates you have a secure encrypted session with the server.

Why doesn’t the green border show up right away?

VerificationEngine will work once the entire page has loaded.  If you tried to verify a logo or sign-on box when your computer was still receiving the content from the site, it will not verify the contents.  Simply try again when the page has fully loaded.

VerificationEngine will not work with my Internet Explorer?

We recommend that you use Internet Explorer 5.01 or above.

Are other browsers supported?

Currently VerificationEngine will work with Internet Explorer, AOL, Netscape and Mozilla Firefox.

How do I un-install VerificationEngine?

Simply open Control Panel, click Add/Remove Programs and select VerificationEngine.

Is this usable with visual impairments or other disabilities and if so what sounds can I use for Audio-Authentication?

Yes – VerificationEngine is fully compatible with the American with Disabilities Accessibility Act and any WAV file can be used.

 

Online Banking FAQs

General Questions:

  1. How much does it cost to use WinOnLine?

  2. Exactly what equipment and software do I need to access the WinOnLine Internet Banking and Bill Payment Service?

  3. I have a Mac computer – Can I use WinOnLine?

  4. Is the Internet safe and secure for online banking?

  5. Can anyone else see my account information? Is it out in the public domain?

  6. Can WinOnLine remember my Sign-On ID and Password?

  7. What if WinOnLine goes down?  Will my payments be made, will my transfers be completed?

  8. What types of accounts can be linked to and are accessible through WinOnLine?

  9. How do I add an account to WinOnLine after my original WinOnLine Enrollment?

  10. How do I customize the name of an account on the “Accounts” page to suit my purposes?

  11. How current is my account information using WinOnLine?

  12. How do I update my transaction history to account for transactions that do not post to my account immediately such as manual checks, foreign ATM transactions or debit card purchases?

  13. How do I view the image of a check that has been paid?

  14. Can I have more than one checking account linked to WinOnLine and therefore pay bills from multiple checking accounts?

  15. How should “dba” businesses and “organizations” be enrolled in WinOnLine?

  16. What other services does WinOnLine offer besides Account Balances, Online Register, Online Transfers, Check Images and Bill Payments?

  17. What functions can be completed using the main menu button entitled “Options”?

  18. I can view other areas of the Windsor Federal Savings website, but I can’t connect to WinOnLine.  What’s wrong?

  19. Who can I call or contact if I have a question that is not addressed in these FAQs (Frequently Asked Questions)?

 Transfer of Funds Questions:

  1. What transactions can be completed using the main menu option entitled  “Transfer Funds”?

  2. Why can’t I use WinOnLine to transfer funds from my passbook savings account?

  3. What is the “Transfer Funds” cut-off time?  What about recurring transfers?

  4. How many transfers per statement cycle can I make from my checking, statement savings or money market accounts?

  5. Can I see the due date for my next loan payment and the amount due?

  6. I have already set up automatic transfer instructions through a Windsor Federal Savings branch office.  Can I edit or cancel these instructions using WinOnLine?

 Bill Pay Questions:

  1. How much does it cost to use the WinOnLine Bill Payment Service?

  2. Will I be charged any fees if I don’t make any payments during a calendar month or a statement cycle?

  3. How do I stop my access to the WinOnLine Bill Payment Service?

  4. What if I don’t sign up for the WinOnLine Bill Payment Service initially and later decide that I want to sign up?

  5. When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date?

  6. How long does it take for a bill payment to reach my payee?

  7. When I schedule a bill payment, should the date that I enter into the WinOnLine Bill Payment Service be the date the payment is actually due?

  8. When do future-dated payments and bill payments created on weekends and holidays get deducted from my account and processed?

  9. What is the WinOnLine Payment Guarantee?

  10. How will the bill payments be made?

  11. How soon are the funds actually taken out of my account?

  12. How do I make a bill payment as quickly as possible?

  13. What is the cut-off time for processing a bill payment?

  14. What if I make an error in a bill payment request?  How do I change the amount, the payee or cancel the entire transaction?

  15. What should I do if a payee has not posted my payment?

  16. How can I prove that I submitted or scheduled payments and transfers through WinOnLine?

  17. What happens if I don’t have enough money in my account to cover a bill payment?

  18. Can I make a bill payment from a line of credit account such as a home equity line of credit?

eDocument Questions:

  1. What is the eDocument Delivery Service and how will it benefit me?

  2. Is there a fee for the eDocument Delivery Service?

  3. Is the eDocument Delivery Service secure?

  4. How do I enroll in the eDocument Delivery Service?

  5. What does enrollment in the eDocument Delivery Service mean?

  6. In order to utilize the eDocument Delivery Service must all of my “primary” statement accounts and loan accounts that receive a periodic loan payment notice that appear on the “Accounts” page of WinOnLine be enrolled in the eDocument Delivery Service?  

  7. How can I determine which accounts are "primary" statement accounts enrolled in the eDocument Delivery Service?

  8. If I would like to receive paper statements and/or loan payment notices instead of eDocuments for some but not all of my primary statement accounts or loan accounts in WinOnLine, while still retaining the ability to access these accounts online in order to obtain account balances, review account transaction activity, view images of paid checks, transfer funds and/or pay bills online, what do I do?

  9. If I have previously enrolled in the eDocument Delivery Service but for any reason, I wish to cancel my use of this Service and instead receive paper statements and/or loan payment notices via postal mail for all of my primary statement accounts, how do I make this request?

  10. What types of eDocuments will be available through the eDocument Delivery Service?

  11. How many months of account statements and, if applicable, images of paid checks as well as loan payment notices will be available through the eDocument Delivery Service?

  12. Will I be notified when a “primary” statement account or loan account is enrolled in the eDocument Delivery Service and will I be notified when each deposit account statement or loan payment notice is available in the eDocument Delivery Service?  

  13. In the event that I have one or more "primary" statement accounts and/or loan accounts enrolled in the eDocument Delivery Service, can I eliminate the email notification on one or more of these accounts?

  14. How do I update my email address in WinOnLine and the eDocument Delivery Service, in order for my “Your Statement is Ready” or "Your Loan Payment Notice Is Ready" emails to be delivered to the correct email address?

  15. Can I access images of paid checks from my account statement in the eDocument Delivery Service or do I need to return to the “Register” in WinOnLine in order to access these images?

  16. How can I print a paper version of my account statements and images of my paid checks from the eDocument Delivery Service?

  17. How can I save my account statements to my computer?

  18. How can I save images of my paid checks?

  19. I store my eDocuments in a folder on my computer's hard drive. Due to a problem with my computer, I have lost the files on my hard drive. How can I retrieve copies of my past statements?

  20. When I enroll in the eDocument Delivery Service, does the Bank retain copies of my deposit account statement and images of my paid checks?

Compatibility with Financial Software:

  1. How do I download to financial software?  I only see a Microsoft Money icon?

  2. Does WinOnLine work with personal financial software such as Microsoft Money?

  3. What is the Windsor Federal Savings ABA/routing transit number?


Frequently Asked Questions

General Questions:

Question #1

How much does it cost to use WinOnLine?

Answer:

The use of the WinOnLine Banking Service is Free!  This Service enables you to obtain account balances, review account transaction activity, access account statements, view images of paid checks, make real time transfers between checking, statement savings and money market accounts and make real time transfers to passbook savings or to make a loan payment.  In addition, the system offers an electronic check register, the ability to categorize income and expenses and a reports function that offers features usually found only in stand-alone financial software packages.  Also, you are able to communicate with WinOnLine Customer Service via secure e-mail and submit secure forms in order to complete routine banking applications and functions.

The use of the WinOnLine Bill Payment Service for bill payments paid from personal checking accounts is also Free!  This service entitles you to initiate bill payments from multiple checking accounts at no additional cost.  This is an exceptional value based on the convenience alone, but also consider that by using the WinOnLine Bill Payment Service, you will not only save time, but also the expense of stamps, envelopes and trips to the post office.

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Question #2

Exactly what equipment and software do I need to access the WinOnLine Internet Banking and Bill Payment Service?

Answer:

You will need an Internet Service Provider (ISP), a modem (the faster the better, but at least 28,800 baud or higher is recommended), and Browser software which supports 128-bit encryption, Secure Sockets Layer 3.0 (SSL).

For best results, we recommend Microsoft Internet Explorer 5.5 or higher or Netscape Navigator 4.7 or higher.  In all cases it is important that you be on the most recent release of whatever version you are on.  To find out if you are using a browser version that supports SSL: Open your Internet Explorer, go to “Help”, then “About Internet Explorer”.  Some information will appear.  You want to look for Cipher Strength.  In Netscape Navigator, go to a secure page then click on “View” in the main menu, then click on “Page Info”.  The level of encryption should be shown under “Security”.

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Question #3

I have a Mac computer – Can I use WinOnLine?

 Answer:

Yes, many of our customers are Macintosh users and do not experience service problems.  If you do experience problems, we will attempt to assist you, however, technically, WinOnLine does not support Macintosh users and we may not have a solution to a particular problem.  Unfortunately, Macintosh users who use AOL as their ISP will not be able to access WinOnLine.

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Question #4

Is the Internet safe and secure for online banking?

Answer:

Yes.  We use 128-bit encryption:  Secure Socket Layer 3.0 (SSL) for all communications including transactions and use of the “Mail Box” function within the system.  This is currently the highest level of security available for Internet transactions.

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Question #5

Can anyone else see my account information? Is it out in the public domain?

Answer:

No.  Your online account information is available through access methods that have been rigorously tested for security accessibility.  Only you can access your account information when you use the proper combination of your Sign-On ID and Password and have been authenticated by our Multi-Factor Authentication Solution which employs a combination of Digital Certificates and Challenge Questions.  Please be careful to keep all Sign-On and authentication information secure and always sign-off as soon as you have completed your WinOnLine transactions.

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Question #6

Can WinOnLine remember my Sign-On ID and Password?

Answer:

No.  For security reasons, WinOnLine will not remember a Sign-On ID or Password.  You will have to enter both these items each time you begin a session with WinOnLine.  To change your password, click on “Options” and follow the instructions.

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Question #7

What if WinOnLine goes down?  Will my payments be made, will my transfers be completed?

Answer:

If WinOnLine and all of our back up systems were to go down, you can be comfortable that any transaction that you completed prior to the system going down, will go through.  If you were in the middle of a transaction and there is some question as to whether the system has received the request, you may feel free to contact our Customer Service Center to ensure that your transaction request has been accepted.

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Question #8

What types of accounts can be linked to and are accessible through WinOnLine?

Answer:

You can link all of the accounts for which you have ownership rights to WinOnLine and thereby access all of these accounts through WinOnLine.  In addition, if you open accounts at a later date, you have the option of linking them to WinOnLine at any time.  Please note that balances and account histories will be available for all of these accounts, but that some types of accounts will be limited as to what transactions customers are able to complete online.

Checking Accounts
Savings Accounts
Money Market Accounts
Certificates of Deposit
Individual Retirement Accounts
Loans - All Accounts
Safe Deposit Boxes

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Question #9

How do I add an account to WinOnLine after my original WinOnLine Enrollment?

Answer:

Use the “Add Account” button on the “Accounts” page.  Complete the form and click “Continue” to submit your request.  This process will take no more than two business days.  When you see the new account appear on your “Accounts” page, you will know that it has been added and is ready to use with WinOnLine.  Do not re-enroll in order to add accounts.  If you have already enrolled as a WinOnLine user, but have not received your password yet, please wait until receiving this information before  requesting that accounts be added to WinOnLine by using the “Add Account” button. 

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Question #10

How do I customize the name of an account on the “Accounts” page to suit my purposes?

Answer:

Use the “Edit Account” button on the “Accounts” page to rename an account that is already linked to WinOnLine.  Complete the form and click “Continue” to submit your request.  This change will be effective immediately.  Please note that this will only rename your account on WinOnLine and will not affect the Bank’s main customer database.

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Question #11

How current is my account information using WinOnLine?

Answer:

All posted transactions are immediately viewable as WinOnLine is online/real time with the Bank’s main customer database.  Transactions such as transfers between two online accounts will update the main customer database immediately.  However, some transactions, such as foreign ATM and debit card transactions do not immediately post to your account upon completion. Therefore they are delayed in appearing in the main customer database and thus are also delayed in appearing on WinOnLine. 

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Question #12

How do I update my transaction history to account for transactions that do not post to my account immediately such as manual checks, foreign ATM transactions or debit card purchases?

Answer:

These items will appear on WinOnLine as soon as they are posted to the Bank’s main customer database.  If you would like to account for them before that time, from the main menu select the “Register” option and then click on the “Add Transaction” button at the top of the “Register” screen.  Be sure to enter the transaction information as precisely as possible.  When the actual transaction is presented to the Bank’s main customer database, WinOnLine will attempt to match the transaction to the entry you have made and therefore, it should not appear as a duplicate transaction.  If details on the added transaction such as the amount, differ from the actual transaction, the actual transaction will not overwrite the added transaction and in that case you will want to delete the added transaction manually.

Remember that foreign ATM and debit card transactions do not post to the Bank’s main customer database immediately and may take a few days to appear on your WinOnLine Register.  The number and dollar amount of items added using the “Add Transaction” button will appear in the “Pending Transactions” line at the top of the “Register”.  You have the option of having them appear in the “Register” by checking the “Show Pending Activity” box.

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Question #13

How do I view the image of a check that has been paid?

Answer:

WinOnLine provides you with access to images of checks that have cleared your checking and/or money market accounts. The image of the front of the check can be retrieved by selecting the Main Menu option “Register” and then in the “Num” column clicking on the check number. If you wish to retrieve the back of the check, click on “Back of the Check” underneath the check image.

In addition, if you sign up for eStatements, using the blue “eDocuments” button located in the middle of the main “Accounts” page of WinOnLine, you will have immediate access to a much more extensive archive that includes more than 7 years of account statements including front and back images of all paid checks.  

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Question #14

Can I have more than one checking account linked to WinOnLine and therefore pay bills from multiple checking accounts?

Answer:

Yes.  All of your checking accounts can be linked to WinOnLine thus enabling you to pay bills from one or more of your checking accounts.  Please note that only checking accounts can be linked to the bill payment function and be used to process bill payment requests.

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Question #15

How should “dba” businesses and “organizations” be enrolled in WinOnLine?   

Answer:

Both “dba’s” and “organizations” should be enrolled as a “Business” in WinOnLine.

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Question #16

What other services does WinOnLine offer besides Account Balances, Online Register, Online Transfers, Check Images and Bill Payments?

Answer:

WinOnLine also offers “Secure Forms”.  If you would like to access a secure form, from the main menu select “Other Services” and you will be presented with a selection of “Secure Forms”.  Due to the fact that these forms are on a Sign-On ID and Password protected system, they can be used to request a variety of account services from Windsor Federal Savings without having to visit a branch office in person.  Please note that these forms represent requests only and will be processed during regular business hours on Bank business days.

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Question #17

What functions can be completed using the main menu button entitled “Options”?

Answer:

The main menu button “Options” enables you to change your WinOnLine password and/or update your email address at any time.  Using “Options” you can also establish a “Secret Question” that will enable you to retrieve your password if forgotten.  The “Secret Question” should be a question to which only you know the answer and you should enter this question and the appropriate answer into the areas provided in “Options”.  Then, if at any time in the future, you forget your password, simply go to the Windsor Federal Savings website (www.windsorfederal.com) and in the WinOnLine box in the upper right hand corner, click on the red “Forgot Password”.  You will then be prompted to enter your “Sign-On ID”.  If you enter the correct “Sign-On ID”, answer the “Secret Question” correctly and WinOnLine has your current email address on file, your password will be automatically emailed to you within 15 minutes.

“Options” enables you to change the number of lines of account information that you can view under the main menu button “Register” up to a maximum of 99 transactions per page by scrolling rather than loading additional pages.  Please note that the more information you request on any given page, the greater the amount of time the information takes to load to your computer.

“Options” enables you to change the background color of various areas within WinOnLine including the “Register”.

“Options” enables you to display your “Register” transactions by the posted date of the transaction, check/item # of the transaction or by the amount of the transaction.  Please note that selecting any sort order other than “Posted Date of Transaction” will cease the display of the running balance on your “Register”.

Also, in “Options”, you can change your “Register” to a two line display that enables you to view your category and memo information and you can change the number of days of account history that can be viewed in the “Register” up to a maximum of 90 days.  The default of 999 indicates that you would like to access all of your available information.  Changing this entry does not affect your transaction history, it simply changes the amount of data that is accessed during your online session.

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Question #18

I can view other areas of the Windsor Federal Savings website, but I can’t connect to WinOnLine.  What’s wrong?

Answer:

If you are able to view other areas of our website, but you are unable to access WinOnLine, it may indicate that you are having a problem accessing secured sites in general.  Both your browser and Internet Service Provider must support secured sites.  Refer to the requirements for using WinOnLine.  Using other browsers may also prevent access to WinOnLine.  Another reason that you might not be able to access WinOnLine is that your cookies may not be enabled.  In order to enter the secure encrypted site you must accept the cookies.

  1. Click on Start.

  2. Click on Settings.

  3. Select Control Panel.

  4. Click on the Internet Options icon.

  5. Click on the tab marked Security.

  6. Click on Custom Level.

  7. Scroll down to cookies and click the radio button To Enable cookies for Internet Explorer 5.5; Netscape Navigator 4.7 or higher.

  8. Open Explorer or Netscape

  9. From edit menu, select Preferences

  10. Click on Advanced

  11. Under cookies select Accept all Cookies

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Question #19

Who can I call or contact if I have a question that is not addressed in these FAQs (Frequently Asked Questions)?

Answer:

Send a secure email using the “Mail Box” function in WinOnLine, call our Customer Service Center at (860) 688-8511 or call or visit any Windsor Federal Savings branch office during regular business hours. 

Main Office, 250 Broad Street, Windsor, CT  06095  (860)  688-8511
Wilson Office, 321 Windsor Avenue, Windsor, CT 06095  (860)  298-6172
North Central Square, 695 Poquonock Avenue, Windsor, CT 06095 (860) 298-6170
Granby Office, 21 Hartford Avenue, Granby, CT 06035  (860)  653-4548 
Bloomfield Office, 54 Jerome Avenue, Bloomfield, CT 06002  (860) 242-6062
East Windsor Office, 1 Shoham Rd, East Windsor, CT 06088  (860) 627-0805

 

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“Transfer of Funds” Questions:

Question #20

What transactions can be completed using the main menu option entitled “Transfer Funds”?

Answer:

The main menu option “Transfer Funds” enables you to transfer funds between checking, statement savings and money market accounts and also to transfer funds from any of these types of accounts to a passbook savings account.  In addition, funds can be transferred from checking, statement savings and money market accounts to make a regular loan payment or to make a principal payment.  Please note that some types of loans may not be able to have payments applied through WinOnLine. 

The “Transfer Funds” option also enables you to transfer funds from a home equity line of credit to a checking, savings or money market account (minimum transfer $500).  You may also pay-down a home equity line of credit for any amount, even paying the balance down to zero without closing out the line of credit.

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Question #21

Why can’t I use WinOnLine to transfer funds from my passbook savings account?

Answer:

Passbook Savings Account terms require that the passbook be presented with any request for withdrawal.  Therefore, while WinOnLine does allow transfers to Passbook Savings Accounts, online transfers from these accounts are not permitted.

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Question #22

What is the “Transfer Funds” cut-off time?  What about recurring transfers?

Answer:

One-time transfers are processed immediately; there is no cut-off time.  Future-dated or recurring transfers are made at approximately 5:00 a.m. on the date requested.  If the future-dated or recurring transfer is scheduled to be processed on a weekend or a bank holiday, it will be done on either the business day prior to or after the scheduled date.  If the transfer is to be made on a Saturday, it will be processed on the previous Friday or business day; if the transfer is to be made on a Sunday, it will be processed on the Monday after or the next business day.

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Question #23

How many transfers per statement cycle can I make from my checking, statement savings or money market accounts?

Answer:

Transfers out of statement savings or money market accounts processed using WinOnLine do count toward the allowable maximum number of “pre-authorized” transfers per statement cycle.  Currently, a maximum of six such transfers is allowed within a statement cycle per account.  There is a fee for exceeding the maximum.  For details, please refer to the Windsor Federal Savings Deposit Account Agreement that you received upon opening these accounts or call any of our offices to obtain a new deposit account agreement or clarification on this federally mandated limitation.

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Question #24

Can I see the due date for my next loan payment and the amount due?

Answer:

Yes.  In the “Accounts” screen, click on the icon labeled "Detail" that appears to the left of the loan account.  This will display important information about your loan account including the next due date and the amount due.

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Question #25

I have already set up automatic transfer instructions through a Windsor Federal Savings branch office.  Can I edit or cancel these instructions using WinOnLine?

Answer:

You can cancel existing transfer instructions by sending us cancellation instructions in the "Special Instructions or Additional Information" area of the secure form entitled "Money Transfer Internal/Recurring" and then if appropriate, you can use the same secure form to establish new transfer instructions.

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Bill Pay Questions:

Question #26

How much does it cost to use the WinOnLine Bill Payment Service?

Answer:

The use of the WinOnLine Bill Payment Service for bill payments paid from personal checking accounts is Free!  This service entitles you to initiate bill payments from multiple checking accounts at no additional cost.  This is an exceptional value based on the convenience alone, but also consider that by using the WinOnLine Bill Payment Service, you will not only save time, but also the expense of stamps, envelopes and trips to the post office.

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Question #27

Will I be charged any fees if I don’t make any payments during a calendar month or a statement cycle?

Answer:

No.  The use of the WinOnLine Bill Payment Service is free for bill payments paid from personal checking accounts regardless of when or how often you use the Service to initiate bill payments. 

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Question #28

How do I stop my access to the WinOnLine Bill Payment Service?

Answer:

There are several ways.  Send an email using the “Mail Box” function in WinOnLine, call our Customer Service Center at (860) 688-8511 or call or visit any Windsor Federal Savings branch office during regular business hours.  Your access to the WinOnLine Bill Payment Service will end within two (2) business days after we receive your request. 

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Question #29

What if I don’t sign up for the WinOnLine Bill Payment Service initially and later decide that I want to sign up?

Answer:

You can sign up for the WinOnLine Bill Payment Service at any time.  Just click on the main menu option entitled “Bill Payments”.  The “Bill Payments” screen will then indicate that you are not currently enrolled.  Follow the simple enrollment instructions and you will be able to start using the service immediately.  If you do not see a “Bill Payments” button, send an email using the “Mail Box” function in WinOnLine requesting to initiate the Bill Payment service.  Within two (2) business days you will be notified, via the “Mail Box” function, that you can begin using the service.  

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Question #30

When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date?

Answer:

When you schedule a payment, the payment is warehoused until it is time to process it, based on the date that you entered into the system.  The number of days until the payee receives payment will vary depending on how the payment will be made and how long it will take for the payment to be delivered to the payee.  Payees that accept electronic transactions will generally receive their funds within two (2) business days, but payees who must receive a paper check may wait for delivery of the check for as long as seven (7) business days.  Since you cannot determine if the payment will be made electronically or with a paper check, you should enter a date at least seven (7) business days before the actually due date. 

Once the system has determined that it is time to process the payment, based on the date you entered, the payment is changed to a processing status.  Payments are processed once per business day at approximately 9:00 p.m. and at the same time, your funds will be debited from the designated checking account.  The payment will be delivered electronically or sent by paper check the following business day.

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Question #31

How long does it take for a bill payment to reach my payee?

Answer:

Each payment made by WinOnLine will be processed either by check or by electronic funds transfer.  If your payee can accept electronic funds transfers, it may only take two (2) days or less for the payment to reach your payee.  If your payee is unable to accept electronic payments, a paper check will be generated and delivered via regular first class mail.  Delivery via U.S. mail could take several days depending on where the payment is to be delivered.  The safest approach is to always schedule your payments at least seven (7) business days ahead of the date that they are due.  This will ensure that the payment will be made and processed in time.  Please remember that Bill Payments will be made using only available funds in your account; no Bill Payments will be processed against uncollected or non-sufficient funds.

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Question #32

When I schedule a Bill Payment, should the date that I enter into the WinOnLine Bill Payment Service be the date the payment is actually due?

Answer:

No.  The date that you enter into the system is the date that you want WinOnLine to produce the payment.  You need to allow seven (7) business  days for the payment to reach your payee.  Since you can not determine if the payment will be made electronically or with a paper check, enter a date seven (7) business days before the actual due date.  Be sure to take into account that, although you can schedule a payment at any time, payments are actually initiated (sent to the payee) only on business days and then only one time per business day, at approximately 9:00 p.m.

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Question #33

When do future-dated payments and bill payments created on weekends and holidays get deducted from my account and processed?

Answer:

Future-dated Bill Payments scheduled for processing on a particular date are deducted at approximately 9:00 p.m. that day.  However, if the date falls on a weekend or a Bank holiday, the payment will be processed on the last business day before that weekend or holiday and the deduction for that payment will occur on the preceding evening.  For example, if a future dated payment is scheduled for a Monday Bank holiday, then the payment will be sent on the preceding Friday and the deduction from your account will occur on Thursday evening.  Therefore, collected funds must be available in your account by Thursday evening for this payment to be processed.

Bill Payments entered on a weekend or holiday with the current day’s date are deducted from your account on the next business day and are processed on the following business day.

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Question #34

What is the WinOnLine Payment Guarantee?

Answer:

The WinOnLine Payment Guarantee covers late fees and finance charges ($50.00 maximum) for payments that are scheduled at least 6 business days prior to the Due Date, excluding grace periods that may be extended by the Payee.  Although WinOnLine cannot guarantee the actual delivery or posting date of the payment, fees incurred for late delivery will be covered under this guarantee if the Payee is unable to remove the fees for any reason.  This guarantee is valid only if the information supplied by you is correct (payee name and address, your name and account number as it appears on the payee’s records).

If the payment was not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed.  If the merchant is unwilling or unable to remove them, the fees and finance charges will be paid directly to the merchant.  Your account will be noted appropriately to ensure that the situation does not negatively impact your credit rating. 

Mortgage payments should be scheduled to be paid on or before the Due Date excluding grace periods.  For example, a mortgage payment due on February 1st, with a 15-day grace period, must be scheduled for processing by no later than February 1st.

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Question #35

How will the bill payments be made?

Answer:

WinOnLine uses two methods of payment:

Electronic – WinOnLine sends an electronic credit to your payee.  These payments will reach the payee within 1-3 business days.

Laser Draft – A paper check is sent to your payee by mail.  These payments should reach the payee within 5-7 business days. 

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Question #36

How soon are the funds actually taken out of my account?

Answer:

Funds will be deducted from your account on the same day as the scheduled payment date.

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Question #37

How do I make a bill payment as quickly as possible?

Answer:

Enter today’s date as the payment date.  This ensures that the bill payment will be processed on the next available business day.

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Question #38

What is the cut-off time for processing a bill payment?

Answer:

Bill Payments that are requested for processing before approximately 9:00 p.m. on a particular business day will be processed that night.  If that is a weekend or a Bank holiday, they will be processed on the next business day.

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Question #39

What if I make an error in a bill payment request?  How do I change the amount, the payee or cancel the entire transaction?

Answer:

If the payment has not been processed yet, you will see the “Edit Payment” icon next to the payment on the “Bill Payments” screen.  Click on this icon to modify any details of this transaction and then click “Continue” to update.  To delete the entire transaction, click on the red “Delete Payment” icon next to the payment on the “Bill Payments” screen.  Then click “Continue” to complete the deletion.

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Question #40

What should I do if a payee has not posted my payment?

Answer:

You need to allow several business days (1-3 for electronic and 5-7 for paper checks) for your payee to process your payment.  If your payee has not posted the payment to your account after at least seven (7) business days, send a message through the “Mail Box” function in WinOnLine to WinOnLine Customer Service or call the Windsor Federal Savings Customer Service Center at (860) 688-8511 during regular business hours to inquire about the status of the payment.  Be sure to provide your full name, dollar amount and date of the transaction and the item’s reference number.  The reference number is displayed on the “Bill Payments” screen under the “#/Category” column.  The payment will then be traced and a status response will be sent to you via the WinOnLine “Mail Box” function.

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Question #41

How can I prove that I submitted or scheduled payments and transfers through WinOnLine?

Answer:

When you complete each bill payment, you are given a reference number.  The reference number is displayed on the “Bill Payments” screen under the “#/Category” column.  This reference number indicates that your request has been received.  It is used for tracking payments if a problem occurs.  This reference number will disappear once the payment is processed.  Bill payments and transfers also appear on your “Register” screen.  If the “Clr” (the last column in the register) is marked with an “X”, the transfer or bill payment has posted against your account.

Your monthly statement from your payees will indicate the date the payment was posted and the amount of the payment.  Your monthly bank statement will show “eBill Payment” and the name of the payee, but will not show this reference number.

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Question #42

What happens if I don’t have enough money in my account to cover a bill payment?

Answer:

If your account has insufficient or uncollected funds, the payment will not be completed.  The system will not attempt to process the payment request automatically at a future date when there are sufficient funds in the account – you will be required to re-submit a new bill payment.  You will be notified through the WinOnLine “Mail Box” function that a transaction was unable to be processed.

However, if your checking account is protected with deposit to deposit overdraft protection, we will automatically transfer available funds from your statement savings or money market account to cover the scheduled payment. 

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Question #43

Can I make a bill payment from a line of credit account such as a home equity line of credit?

Answer:

No, you can only make bill payments from a checking account.  Therefore, you must deposit or transfer money into a checking account before requesting that a payment be made.

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eDocument Questions:

Question #44

What is the eDocument Delivery Service and how will it benefit me?

Answer:

The eDocument Delivery Service enables you to receive your deposit account statements and loan payment notices online through our WinOnLine Internet Banking and Bill Payment Service instead of receiving paper statements through the mail.  When you enroll in the eDocument Delivery Service, your enrolled deposit account statements will be available online the day after the statement cycle date instead of arriving in the mail from 5 to 7 calendar days after the cycle date.  In addition, your enrolled loan payment notices will be available online the day after they are produced.  You can access your deposit account statements and loan payment notices 24 hours a day, 7 days a week from anywhere in the world provided that you have access to the Internet.   If you are on vacation or otherwise away from your residence, you will no longer need to worry about the theft of this confidential information from your mailbox.   

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Question #45

Is there a fee for the eDocument Delivery Service?

Answer:

No.  The eDocument Delivery Service is a free service of our WinOnLine Internet Banking and Bill Payment Service.  There is no enrollment fee and no fees for receiving your documents such as your deposit account statements and loan payment notices electronically.  However, once you enroll in the eDocument Delivery Service, all documents provided electronically will no longer be produced on paper and sent to you by postal mail.

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Question #46

Is the eDocument Delivery Service secure?

Answer:

The eDocument Delivery Service is accessed through our WinOnLine Internet Banking and Bill Payment Service.  We use 128-bit encryption, Secure Socket Layer 3.0(SSL) for all communications including transactions, eDocument delivery, and use of the “Mail Box” function within the system.  This is currently the highest level of security available for Internet transactions.  Your online account information is available through access methods that have been rigorously tested for security accessibility.  The information is not public.  Only you can access it using your Sign-On ID and Password.  You can help safeguard your information and the banking systems by protecting your Sign-On ID and Password.  A proper combination of multi-factor authentication methods including a digital certificate or challenge questions in combination with your Sign-On ID and Password is the only way to get access to your account statements and loan payment notices.  Please be careful to keep this information secure and always sign-off as soon as you have completed your WinOnLine transactions.

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Question #47

How do I enroll in the eDocument Delivery Service?

Answer:

When you click on the “eDocuments” button on the main “Accounts” page of WinOnLine for the first time, you will be presented with the “eDocument User Agreement”.  Once you have read this Agreement and clicked on the “Accept” button at the bottom of the Agreement, you will  automatically be enrolled in the eDocument Delivery Service. 

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Question #48

What does enrollment in the eDocument Delivery Service mean?

Answer:

Enrollment in the eDocument Delivery Service means that when you “Accept” the “eDocument User Agreement”, you have consented to receive all deposit account statements that are produced for “primary” statement accounts and loan payment notices for loan accounts that receive a periodic loan payment notice that appear on the “Accounts” page of WinOnLine through the eDocument Delivery Service.  This automatically includes any other deposit account statements that are combined on the same statement with these “primary” statement accounts whether or not these other accounts have been added to the “Accounts” page in WinOnLine.  (A “primary” account is the first account that appears on any account statement and usually is a checking account but may also be a statement savings, money market or certificate of deposit account).

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Question #49

In order to utilize the eDocument Delivery Service must all of my “primary” statement accounts and loan accounts that receive a periodic loan payment notice that appear on the “Accounts” page of WinOnLine be enrolled in the eDocument Delivery Service?

Answer:

Yes.  The eDocument Delivery Service was designed to function in this manner.  Whenever you add accounts to or delete accounts from WinOnLine using the “Add” or “Delete” buttons on the top of the “Accounts” page in WinOnLine, the next time that you click on the “eDocuments” button in WinOnLine, the eDocument Delivery Service automatically compares the accounts appearing on the WinOnLine “Accounts” page with the accounts enrolled in the eDocument Delivery Service and will update the accounts enrolled in the eDocument Delivery Service as appropriate. 

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Question #50

How can I determine which accounts are “primary” statement accounts enrolled in the eDocument Delivery Service?

Answer:

When you click on the “eDocuments” button on the “Accounts” page of WinOnLine, you will be taken to the “Welcome” page of the eDocument Delivery Service.  All of your “primary” statement account numbers enrolled in the eDocument Delivery Service will be listed under the heading in the blue bar entitled “Documents”. 

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Question #51

If I would like to receive paper statements and/or loan payment notices instead of eDocuments for some but not all of my primary statement accounts or loan accounts in WinOnLine, while still retaining the ability to access these accounts online in order to obtain account balances, review account transaction activity, view images of paid checks, transfer funds and/or pay bills online, what do I do?

Answer:

Regardless of whether you have already enrolled in or are about to enroll in the eDocument Delivery Service, the procedure will be the same.  If you have multiple deposit and/or loan accounts enrolled in the WinOnLine Internet Banking and Bill Payment Service but want to receive eDocuments for some but not all of your accounts, do the following.  Using the “Delete” button on the top of the “Accounts” page in WinOnLine, delete the accounts for which you would like to receive a paper statement or loan payment notice.  Important!  Once you have deleted these accounts from WinOnLine, you must click on the “eDocuments” button on the “Accounts” page in WinOnLine and retrieve the “Welcome” page in the eDocument Delivery Service.  This action will automatically update your accounts that are enrolled in the eDocument Delivery Service and the deleted accounts will generate a paper document at the next statement cycle date or loan payment notice production date.  Then, if you would like to retain the ability to access these deleted accounts online in order to obtain account balances, review transaction activity, view images of paid checks, transfer funds and/or pay bills, go to www.windsorfederal.com and complete a second WinOnLine enrollment with a “Sign-On ID” that is separate and unique from your other “Sign-On ID”.  This will enable you to receive eDocuments on accounts under the first “Sign-On ID” and paper statements and/or loan payment notices under the second “Sign-On ID”. 

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Question #52

If I have previously enrolled in the eDocument Delivery Service but for any reason, I wish to cancel my use of this Service and instead receive paper statements and/or loan payment notices via postal mail, how do I make this request?

Answer:

Please send us an email with this request using the “Mail Box” function in WinOnLine. Your access to the eDocument Delivery Service will end within two (2) business days after we receive your request.

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Question #53

What types of eDocuments will be available through the eDocument Delivery Service?

Answer:

Currently, all checking, statement savings, money market account and certificate of deposit account statements as well as all loan payment notices for loan accounts that receive a periodic loan payment notice appearing on the “Accounts” page of WinOnLine can be enrolled in the eDocument Delivery Service.  In the future, we are hoping to provide online access for other types of documents through the eDocument Delivery Service.

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Question #54

How many months of deposit account statements and if applicable, images of paid checks as well as loan payment notices will be available through the eDocument Delivery Service?

Answer:

Since January 1, 2005, all deposit account statements and images of paid checks that have been produced have been made available through the eDocument Delivery Service.  As a result, by the end of 2011, for all statement deposit accounts opened prior to January 1, 2005, six (6) years of account statements and images of paid checks will be available through the Service.  In addition, by the end of 2011, for all loan accounts established prior to June 30, 2009, 30 months of loan payment notices will be available through the service.  

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Question #55

Will I be notified when a “primary” statement account or loan account is enrolled in the eDocument Delivery Service and will I be notified when each deposit account statement or loan payment notice is available in the eDocument Delivery Service?

Answer:

Yes.  Whenever a “primary” statement account or loan account is initially enrolled in the eDocument Delivery Service, the following day, the Service will post a “Welcome Letter” notification under “Unviewed Documents” in the eDocument Delivery Service.  This notification serves to alert you that the account has been enrolled and that your next statement or loan payment notice for the account will be delivered electronically. 

In addition, on any day, when one or more deposit account statements and/or loan payment notices have been produced and are available through the eDocument Delivery Service, the Service will send a single notification email to the email address that you have recorded in the “Options” area of WinOnLine.  For security reasons, this email will not include your name or your account number.  

Generally, business deposit account statements are produced on the last business day of the month and personal deposit account statements are produced on the 5th of the month or if the 5th of the month is a Saturday, Sunday or holiday, on the prior business day.  Due to various factors, loan payment notices may be produced on various days throughout the month.

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Question #56

In the event that I have one or more “primary” statement accounts and/or loan accounts enrolled in the eDocument Delivery Service, can I eliminate the email notification on one or more of these accounts?

Answer:

Yes.  On the “Welcome” page in the eDocument Delivery Service, in the box labeled “Links” is a link entitled “Email Notification of Statement Delivery”.  Simply click on this link and then under “Email Delivery Options” click off the box next to any deposit or loan account number for which you do not want to receive “Your Statement is Ready” notification emails.

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Question #57

How do I update my email address in WinOnLine and the eDocument Delivery Service, in order for my “Your Statement is Ready” or “Your Loan Payment Notice is Ready” emails to be delivered to the correct email address?

Answer:

When you need to update WinOnLine and the eDocument Delivery Service with a new email address, two (2) steps are required.  First, click on the main menu button entitled “Options” in WinOnLine, then on this page, enter your correct email address in the “EMail Address” field and then enter your current password in the “Enter Current Password” field and then click the “Continue” button at the bottom of the screen.  Second, in order for your “EMail Address” to also be updated in the eDocument Delivery Service, you must click on the “eDocuments” button on the “Accounts” page of WinOnLine and retrieve the “Welcome” page in the eDocument Delivery Service.  This action will automatically update your email address in the eDocument Delivery Service. 

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Question #58

Can I access images of paid checks from my account statement in the eDocument Delivery Service or do I need to return to the “Register” in WinOnLine in order to access these images?

Answer:

You can access the images of paid checks from your account statement in the eDocument Delivery Service as well as from the “Register” in WinOnLine.  When you access your account statement in the eDocument Delivery Service, scroll down to the “Checks” section of your statement and click on the desired check # appearing in blue and both the front and back of the check will appear on the screen.  In addition, you may also view images of all checks paid during the statement cycle by selecting “View Check Images” located on the left side of the statement.

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Question #59

How can I print a paper version of my account statements and images of my paid checks from the eDocument Delivery Service?

Answer:

If you would like to print a paper version of your account statement, select the statement you would like to view, and click on the "Printable Version" link in the Name and Address area of the statement that you are viewing. Your statement will appear in an optimal format for printing. You may print this page as you would any other web page, using the print function in your Internet browser.

If you would like to print a paper version of all checks paid during that statement cycle, select “View Check Images” located on the left side of the statement.  When the check images appear, you may select from a variety of layout options such as by date paid, check number, dollar amount and then by ascending or descending order.  In addition, you may even choose a small, medium or large image size and whether you want to access the front, back or both sides of the images.  Once you have selected the layout options, click on the printer image button located in the top center of the page.

If you would like to print a paper version of just one of your check images, scroll down your statement until you reach the area where each check is listed that was paid during the statement cycle.  When you click on any “blue” check number, the image of the front and back of the check will appear on the screen.  Click on “File”, then “Print”.

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Question #60

How can I save my account statements to my computer?

Answer:

If you would like to save a copy of your account statement to your computer, select the statement you would like to view, and then either:

Click on the "Printable Version" link in the Name and Address area of the statement that you are viewing.  In the upper left hand corner, select “File” then “Save As”.  Type in a file name, select a destination for the file, and click “Save”.  In order to view the statement, you can open the file using Microsoft Word or select “File”, “Open” in Internet Explorer (you do not need to have an active internet connection to view the file.

or

Click on “Download CSV” located in the upper right corner of the statement that you are viewing.  A dialog box asking you to “Open” or “Save” will appear.  Click on “Save” and select where you would like to save the file.  You may open the saved file using Excel or any other spreadsheet application or text viewer.

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Question #61

How can I save images of my paid checks?

Answer:

At this time, you are unable to save all check images directly to your computer.  You may save each check individually by “right clicking” on the image and selecting “Save Picture As”.  Type in a file name, select a destination for the file, and click “Save”.  We are presently working on the ability to save all check images as one file and hope to have this functionality available to you in the near future.

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Question #62

I store my eDocuments in a folder on my computer’s hard drive.  Due to a problem with my computer, I have lost the files on my hard drive.  How can I retrieve copies of my past statements?

Answer:

As soon as your computer problem has been resolved or by utilizing any other computer with Internet access, sign onto WinOnLine, click on the “eDocuments” button on the “Accounts” page of WinOnLine and the entire archive of account statements and check images will be available to you.

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Question #63

When I enroll in the eDocument Delivery Service, does the Bank retain copies of my deposit account statements and images of my paid checks?

Answer:

Yes.  In addition to the approximately six (6) years of deposit account statements and images of paid checks available through the eDocument Delivery Service, the Bank maintains a permanent image archive of deposit account statements for all statement accounts and all paid checks.  When necessary, the Bank can access this image archive to retrieve a copy of an account statement or image of a paid check.

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Compatibility with Financial Software:

Question #64

How do I download to financial software?  I only see a Microsoft Money icon?

Answer:

Click on the reports button, then the File Export option.  You can download account histories into QuickBooks 2000 or higher by choosing the QuickBooks option in the dropdown box.  If you are using other software packages, such as Quicken or Peachtree, you should choose the “comma separated values” option in the dropdown box.  Please note that, technically, WinOnLine only supports QuickBooks downloads through this option, but other packages will accept such CSV files.

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Question #65

Does WinOnLine work with personal financial software such as Microsoft Money?

Answer:

Yes.  WinOnLine was designed to be highly compatible with Microsoft Money We have achieved this compatibility by building an industry-standard Quicken Interchange Format (QIF) downloading capability right into WinOnLine.  This format works with Microsoft Money.  We support Money 2000, 2001 and 2002.  You can access the downloading capability for Microsoft Money from the button that appears on the left-hand side of the WinOnLine screen.  Downloads to other software and formats can be obtained by clicking the “Reports button, then by selecting the File Export option in WinOnLine.

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Question #66

What is the Windsor Federal Savings ABA/routing transit number?

Answer:

The Windsor Federal Savings ABA/ routing transit number is 211170237.  You may need this number if you choose to download transaction histories into Microsoft Money.

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Windsor Federal Savings -
Best Practices for Consumers to Stay Safe Online

The Internet is a fantastic resource for everyone. It's great to go shopping in our slippers and make contacts around the world in minutes. But there are dangers we all have to recognize. Can we really trust a site asking us for our financial information? And just who are these new business contacts we're cultivating? And how trustworthy is that site selling the latest MP3 gadgets?

The fact is that online fraud is growing by 30% annually. Not to mention the fraudsters are becoming more and more sophisticated every day. Email scams are virtually unlimited.

Shopping online may feel like digital Russian roulette. You are at a site that has exactly what you are looking for, but you wonder... are they a legitimate site? ... will you be able to get redress if you have a problem? ... will this transaction leave your PC vulnerable to viruses? ... will your personal information be safe? You think you have no way to check their "trust credentials" and unless you are at a "big" site you may not feel safe shopping with them.

These best practices put control of your Internet activities back in your hands with technology, tools and information that let you assess the trustworthiness of the sites you are visiting. In fact, with these simple practices, your online shopping experience will reach a new level of identity and trust assurance that you have never been able to achieve before.

Seven Best Practices that every Consumer should know to ensure identity and trust assurance on the Internet - because in a virtual world, you can't trust virtually everyone.

1) Verify the authenticity of a web site with a new, FREE web content verification tool - Comodo's VerificationEngine™ - "Green is Good to Go".

The facts:

In a world where a million web sites are created every single day and you get lots of emails asking for your sensitive information, you need to establish the legitimacy of entities with which you are interacting. Now you can have it, for free, with VerificationEngine (VE).

This tool allows you to verify that specific content is legitimate to the website it claims to be. So for instance, if you go to a PayPal site from an email notice, with VerificationEngine, you can verify that the site is really from PayPal (or eBay, or your favorite bank).

With VE installed, simply place your mouse over the company logo/name and if a green outline appears around your screen, the site is verified as coming from the company it claims to be. Green is Good to Go!

Simply go to www.vengine.com to download and install Comodo's VerificationEngine plug-in for free (a very small file that is less than the size of an average HTML email).

2) Make sure your emails can be trusted and have not been tampered with.

How can you ensure that people really know that it was you who sent an email to them and that the email was not intercepted during transmission?

The only way to guarantee this is to digitally sign your emails. Download a free Comodo email certificate to assure people that your email is really from you. Ideal for those sensitive and confidential transactions.
All you do is go to www.comodo.com/free-e-mailcert for your free email certificate.

3) Keep your passwords safe.

First, pick "strong passwords" - that is passwords that have special characters in them, (e.g. %, ^ ) that cannot be easily guessed by a Key-logger or Trojan. Also, don't pick your birthday or your first/ last name.

Another option that is safer is to use password protection software. There are numerous solutions available to help manage all those log-ins and passwords and many allow a single click log-in to web sites. One free solution is called iVault which can be downloaded at: www.comodogroup.com/products/i-vault/

4) Get your computer protected with security solutions - Firewall, Anti Virus, Anti Spyware and Anti SPAM.

a) Use a firewall

A firewall protects you against bad hackers, some viruses and some spyware. It can also stop your computer from being hijacked and used to infect other machines or send spam emails.

  • If you do not have a firewall installed, in Windows XP, switch on Windows Firewall.

  • If you use a broadband internet connection, consider getting a router that has a built-in firewall.

  • For older operating systems, get a commercial firewall from a reputable company.

There are many firewall products on the market today and one free, high quality and easy to use firewall is Comodo's Personal Firewall, www.personalfirewall.comodo.com .

b) Use anti-virus software

Anti-virus software continually scans your computer for viruses. It also checks incoming email and web sites for viruses. It is not included in your operating system so you will need to get and install a copy.

Anti-virus companies include Symantec, McAfee, and Comodo. Microsoft publishes a complete list of compatible software.

  • Make sure your anti-virus software is automatically updated to identify new threats as they emerge.

  • Keep your subscription current. An out-of-date virus scanner is no use at all.

  • Don't open attachments in emails from people you don't know.

c) Prevent spyware

Spyware is a general term for a program that surreptitiously monitors your actions. While they are sometimes sinister, like a remote control program used by a hacker, software companies have been known to use Spyware to gather data about customers. In most cases a firewall and anti-virus software will not prevent spyware. You need additional software to keep it at bay.

  • Be careful about programs you download and install. Are you certain that they won't harbor unwanted extra programs or advertisements?

  • Don't install software from an unknown or untrustworthy source?

  • Be careful about which websites you visit. Are they trusted? Are they reputable?

  • Get an anti-spyware program and keep it up to date. Products include: Microsoft Anti-spyware, Spyware Blaster, Spy Sweeper, Spybot Search and Destroy and AdAware.

d) Filter out unwanted 'spam' email

There are a number of tactics which can reduce the volume of spam you receive.

  • Don't click on anything in a spam email, even to "unsubscribe." If possible, don't even open it.

  • Use a throwaway email address for trivial online registrations.

There are many excellent anti SPAM solutions on the market today - many of which allow you to control the security setting. A free option is Comodo's anti SPAM solution at
http://www.comodo.com/home/email-security/anti-spam.php.

e) A final note - Take advantage of Windows Updates

Since there are always people discovering new ways to attack computers on a regular basis you also need to update your computer's operating system (the Windows software which makes it work). This helps stop worms attacking your computer but can also deliver other performance and security improvements.

  • Go to Microsoft's Windows Update site and install all the recommended patches.

  • In particular, install Windows XP Service Pack 2 if you don't have it already.

  • Regularly update Microsoft Office applications.

  • Keep anti-virus software and other applications up-to-date.

5) Don't forget the importance of backing up your important data.

Make a regular backup of your important data, store it in a different location and periodically check that it is actually backing up the right data.
(www.backup.comodo.com

6) Physical security is always important.

  • Security mark your computers and other valuables.

  • Keep a note of all the serial numbers.

  • Think about locks, window locks, alarms and so on to make your home safer.

  • Don't leave discarded computer boxes outside your home - it's an advertisement to burglars.

  • Keep laptops in a nondescript but padded bag.

7) Avoid Identity theft and fraud.

Never give anyone your user ID, PIN or password, even if they appear to be a representative of a trusted firm. (This is where VerificationEngine can take the guesswork out of verifying that the site can be trusted.)

  • Be particularly wary of emails that appear to come from banks, credit card or other trusted companies asking you to update your security information.

  • Always type the web address of trusted websites into the browser yourself. Don't click on links in emails.

  • Don't enter personal or financial information unless the web address starts with 'https://' and there is a small padlock in the frame of the web browser window. (If you roll your mouse over the padlock, you will see additional company information to help establish trust.)

  • If an email offer sounds too good to be true, it probably is.

  • Be wary of anything that tries to alter your dial-up internet access.

Four Best Practices that you should expect from eMerchants

If they don't follow these best practices - they might not be keeping your private information secure and private.

1) Make sure your merchant uses a High Assurance SSL Certificate.

SSL certificates are the technical term for certificates that verify that a site uses encryption when it is receiving or sending sensitive information and there is a legitimate business behind the website. You can tell if a site uses encryption by looking for a gold padlock on the bottom of any page that handles sensitive data.

But all padlocks are not the same!

While all padlocks look the same - they're not. Some SSL certificates only ensure that the site uses encryption. High assurance SSL certificates, on the other hand, perform both verification processes - the encryption and business authentication process. Both verification steps are critical for your safety because encryption without business validation is as risky as giving your house key to someone you don't know - it puts your privacy (not to mention your worldly goods) at extreme risk.

But since all padlocks look the same -- to distinguish high assurance from low assurance sites, simply roll your mouse over the padlock (if you have installed VE) and a high assurance site will list the business name and address that owns the site. A low assurance site will only include domain information and no business information.

If the site you are on only uses encryption proceed with caution.

2) Make sure your merchant performs regular vulnerability scanning of their servers.

Why do we suggest this? Even if merchants use best practice High Assurance SSL certificates on their web site to obtain personal information from you, you need to be confident that your personal and financial information is not then vulnerable to hackers at the merchant site.

Regular vulnerability scanning using HackerProof™ ( www.comodo.com/hackerproof  ) gives you confidence that your data is safe. How can you tell? Look for a web site trust seal indicator that shows the merchant is hacker proof.

3) Look for logos that can be verified on merchant sites.

Many sites display many logos - BBB, FDIC, credit card logos and such. But how do you verify that the site is authorized to display these logos? A Content Verification Certificate (CVC) authenticates the legitimacy of brands and logos. When a merchant uses CVC's, your VerificationEngine, can verify that content is legitimate (Green is Good to Go!), in other words, when a merchant has a CVC, you can verify that a brand or a logo or an affiliation to another business is legitimate such as BBB online or TRUSTe.

4) Ensure that your Merchant uses a Corner of Trust indicator.

By using the innovative Corner of Trust logo ( www.trustlogo.com ) across their entire site, merchants have the opportunity to demonstrate trust and assurance on every single web page, so regardless of what you are looking at, you always have the ability to check the merchant's trust credentials. The Corner of Trust lets you instantly see the site's basic trust credentials whether the online session is encrypted and if the business behind the website can be validated.

 

 

 
 

 

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