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Todays Rates

Loan Rates (APR)

New Auto - 1.89%*
Personal - 8.50%*
MasterCard - 8.90%*

APR = Annual Percentage Rate

 
 

 

 
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AMERICA ONLINE USERS

Recommendations for America Online Users

COMPUSERVE USERS

Recommendations for CompuServe Users

INTERNET TIPS

Helpful tips
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ABOUT SECURITY
Security refers to preventing unauthorized access to a computer system or network. NY TEAM Federal Credit Union uses several layers of technology to prevent unauthorized users from gaining access to the internal network. NY TEAM's security professionals manage a sophisticated networking architecture that includes screening routers, filtering routers, and firewalls.
NY TEAM Federal Credit Union uses software from the Microsoft Corporation that incorporate full data encryption to ensure the security and privacy of transactions. This encryption technology is so secure that it is classified by the U.S. Department of Defense. United States law forbids export of this technology to other countries. As a further security measure, NY TEAM Federal Credit Union utilizes its Internet server as a firewall, thereby preventing customer data from being directly accessed via the Internet.
The Home Banking section is automatically secured/encrypted, but the rest of the Web site can be accessed as either secure or unsecure. To see at a glance if a session is secure:
If using Netscape Navigator
  • Check the key icon at the lower-left corner of Netscape's screen. If it is intact and a blue line appears at the top of the screen, all messages are secure.
  • Check if there is an "s" after the "http" in the URL. The "s" after the "http" denotes that the page is secure.
If using Microsoft® Internet Explorer, and the image of a lock is displayed, the lock indicates the site is secure.
WARNING: If the icon appears as a picture of a broken key or a broken lock, encryption is not in use and the current session is not secure.
To ensure security, we recommend the following:
Never reveal your password**.
**Password refers to your STAR (Special Teller Audio Response system,) password or the password that you selected in the change password function of the home banking system . If you have questions about which number to use to access Home Banking for the first time, contact the Credit Union.
IMPORTANT: Some browsers allow you to enable a function to require passwords for specific sites or certifications. In that instance, you should enter the password for the browser.
You can change your Home Banking password from the main menu at any time. It is recommended that you change your password every six months.
WARNING: Employee's at the Credit Union do not have access to your password. In the case of a forgotten or lost password, you must contact the Credit Union and request a new password be mailed to you.
Use the Sign Off icon to end a Home Banking session. This will expire all the cookies that were set in your session. Do not use the Back key.
IMPORTANT: If you do not exit the browser, the browser will allow you to use the Back key to get back into your Home Banking session should you wish to explore another site.
The amount of time you can remain inactive before being automatically logged out of Home Banking is 5 minuts.
WARNING:
It is recommended that you balance your account at least once a month so that any discrepancies can be reported in a timely manner.
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ABOUT COOKIES
The Internet is a state-less machine. This means that once a user makes a request, and a response is sent back, all communication is severed. The server has no idea or concept of what the client* is doing when it severs the communication. Knowing what state a client is in is very important for Home Banking.
*The client is the end user's computer that is making a request of the host server.
One of the ways to know what state a client is in is to leave "cookies" with a client when a request is made. Cookies are bits of information that a Web site sends to a user's computer. The user's computer may then display the information back to the server on subsequent pages, actions, or visits.
Home Banking uses session cookies that expire once the session has ended. The use of cookies within Home Banking is necessary for security and is required to access the system. Our use of cookies is for user authentication only.
All our cookies have expiration dates, so they will not cache* to your computer at the end of the day.
Cache* is the computer's ability to store more information in a special location.
New browser versions have the ability to see what cookies are left behind, and whether they are willing to accept a cookie. All cookies must be accepted in order for the Home Banking software to operate. Each cookie is required to move you along in Home Banking. It does not allow you to input a URL to get inside the Home Banking session.
As there are a number of cookies within our secured site, you may want to turn off the cookie alert during your Home Banking session. It can always be enabled later. Slower computers may time out accepting multiple cookies.
To disable the "Accept Cookies" warning in
Netscape® Communicator 4.51 & up:
  1. From the Edit menu, select Preferences.
  2. Click on Advanced.
  3. Verify that "Enable JavaScript" is selected.
  4. Verify that "Accept all cookies" is selected.
To disable the "Accept Cookies" warning in
Microsoft® Internet Explorer 4.0:
  1. From the View menu, click on Internet Options.
  2. Click on the Advanced tab.
  3. To enable Java, verify that the Enable Java and Enable JavaScript boxes are selected.
  4. Verify that Accept all cookies box is selected.
To disable the "Accept Cookies" warning in
Microsoft® Internet Explorer 5.0:
  1. From the Tools menu, click on Internet Options.
  2. Click on the "ADVANCED" tab.
  3. To enable Java, verify that the Enable Java and Enable JavaScript boxes are selected.
  4. Click on the tab marked "SECURITY".
  5. Click on the button marked "CUSTOM LEVEL".
  6. Under Java make sure the radio button is set to Medium Safety.
  7. Under Scripting of Java applets make sure the radio button is set to Enable.
  8. Under Cookies: Allow per-session cookies (not stored), make sure the radio button is set to Enable.
  9. Under Cookies: Allow cookies that are stored on your computer, make sure the radio button is set to Enable.
  10. Click on OK until completely exitedfrom options.
To disable the "Accept Cookies" warning in
AOL 4.0 (32 bit/128 encryption version):
  1. From the Members Menu, click on Preferences.
  2. Click on the WWW button.
  3. Click on the "ADVANCED" tab.
  4. To enable Java, verify that the Enable Java and Enable JavaScript boxes are selected.
  5. Verify that Accept all cookies box is selected.
To disable the "Accept Cookies" warning in
AOL 5.0:
  1. Click on Start.
  2. Select Settings.
  3. Select Control Panel.
  4. Click on Internet Options.
  5. Click on the "ADVANCED" tab.
  6. To enable Java, verify that the Enable Java and Enable JavaScript boxes are selected.
  7. Click on the tab marked "SECURITY".
  8. Click on the button marked "CUSTOM LEVEL".
  9. Under Java make sure the radio button is set to Medium Safety.
  10. Under Scripting of Java applets make sure the radio button is set to Enable.
  11. Under Cookies: Allow per-session cookies (not stored) make sure the radio button is set to Enable.
  12. Under Cookies: Allow cookies that are stored on your computer make sure the radio button is set to Enable.
  13. Click on OK until exited completely from options.
  14. Close Control Panel.
Receiving the following message, after logging in successfully, will stop all further processing and/or access to any portion of Home Banking during this session:

"Internet Account Access Session Error."
Return to the log-in screen to start a new session. This error indicates that you did not accept one or more cookies. In order to enter the secured encrypted site you must accept the cookies. Since there are several within Internet Account Access, it is suggested that you disable the cookie alert within your browser while viewing your account information.
IMPORTANT: If you are prompted with a dialog box that asks you to re-enter your password, after initially entering your member number and Home Banking password, your browser may not support JavaScriptTM, or JavaScriptTM may not be enabled. An upgrade to Netscape® 4.51 or greater or Microsoft® Internet Explorer 4.0 or greater may be necessary.
As soon as a member signs off Home Banking using the Sign Off icon, all cookies are automatically terminated.Use the Sign Off icon to end a Home Banking session. When the Sign Off icon is used to exit Home Banking all of the cookies are expired that were set in your session.
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MINIMUM BROWSER REQUIREMENTS
FOR Home Banking
Windows 95 and Windows NT users must use either Netscape® 4.51 or greater, Microsoft® Internet Explorer 4.0 or greater, or America Online Web Browser 4.0 (128-bit encryption) or greater.
IMPORTANT: It is highly recommended that the newer browsers be used to access Home Banking.
A version of Netscape® Communicator is available by clicking on the Netscape icon at the bottom of the log-in page or by going to "http://home.netscape.com" and selecting download Click here to go there now.
A free copy of Microsoft® Internet Explorer is available by going to "http://www.microsoft.com" and selecting download Click here to go there now.
AOL users operating in Windows 95 can get America Online's Web Browser by entering the keyword "Upgrade".
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DETERMINING YOUR BROWSER
VERSION
In Netscape®:
  1. Click on Help.
  2. Click on About Netscape® Communicator.
  3. Click here to upgrade to a newer version of Netscape now!
In Microsoft® Internet Explorer:
  1. Click on Help.
  2. Click on About Microsoft® Internet Explorer.
  3. Click here to upgrade to a newer version of Explorer now!
In America Online's Web Browser:
  1. Click on Help.
  2. Click on About America Online.
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UNABLE TO LOG-ON TO
Home Banking
If you can view the other areas of our Web site, but are unable to access Home Banking, it may indicate a problem accessing all secured Web sites. Both your browser and Internet service provider must support secured sites.
This Web site is designed for Netscape® 4.51 or greater or Microsoft ® Internet Explorer 4.0 or greater or Macintosh. Using other browsers may cause the Web pages to appear misaligned and prevent access to Home Banking.
IMPORTANT: It is highly recommended that the newer browsers be used to access Home Banking.
If you are using one of the browsers mentioned above and are still experiencing a problem, , the problem may lie with the Internet service provider. This is particularly common with employer-based access to the Internet. Your employer may have firewalls, proxy servers, or other equipment that may prevent access to secured sites.
Contact your company's Data Processing Department regarding the problem or try to access Home Banking from another location.
IMPORTANT: If you are prompted with a dialog box that asks you to re-enter your password, (after initially entering your member number and Home Banking password0, your browser may not support JavaScriptTM, or JavaScriptTM may not be enabled. An upgrade to Netscape® 4.51 or greater or Microsoft® Internet Explorer 4.0 or greater may be necessary.
Go to Microsoft's Web site to download Internet Explorer or to Netscape's Web site to download Communicator. If you already have one of these browsers, the "Enable JavaScript" function may be disabled.
To enable JavaScriptTM in Netscape ® Communicator 4.51 & up:
  1. From the Edit menu, select Preferences.
  2. Click on Advanced
  3. Verify that the "Enable JavaScript" checkbox is selected.
To enable JavaScriptTM in Microsoft ® Internet Explorer 4.0:
  1. Click on View.
  2. Click on Internet Options.
  3. Click on Security.
  4. Click on the Enable Java programs checkbox.
  5. Click on the Advanced tab.
  6. Click on the Enable Java JIT Compiler.
To enable JavaScriptTM in Microsoft ® Internet Explorer 5.0:
  1. From the Tools menu, click on Internet Options.
  2. Click on the "ADVANCED" tab.
  3. To enable Java, verify that the Enable Java and Enable JavaScript boxes are selected.
  4. Click on the tab marked "SECURITY".
  5. Click on the button marked "CUSTOM LEVEL".
  6. Under Java make sure the radio button is set to Medium Safety.
  7. Under Scripting of Java applets make sure the radio button is set to Enable.
  8. Under Cookies: Allow per-session cookies (not stored) make sure the radio button is set to Enable.
  9. Under Cookies: Allow cookies that are stored on your computer make sure the radio button is set to Enable.
  10. Click on OK until exited completely from options.
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COMMON ERROR MESSAGES
The following errors may occur when accessing Home Banking:
Membership cannot be verified as entered. Check your user number and try again, or contact the Credit Union for further assistance. This indicates that your user number is incorrect. Try entering your account number without using leading 0's (zeros).

Example:

 Try entering 0006789 as 6789.
Password cannot be verified as entered. Possible causes include the following:
  1. Your password is incorrect. Verify the password and then re-enter it.
  2. You are using the wrong password, ATM card etc. you must use your STAR/Home Banking pin.
The Service Temporarily Unavailable message is displayed when Home Banking is temporarily down for system maintenance or is experiencing telephone circuit problems. Try again periodically. If the message is displayed repeatedly, contact the Credit Union.
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RECOMMENDATIONS FOR
AMERICA ONLINE USERS
America Online provides a browser within their software for connecting to the Internet. Depending on the version you are using, either Web Crawler or Microsoft® Internet Explorer, use the following chart to determine if your software is compatible with Home Banking.
OPERATING
SYSTEM		 BROWSER
VERSION		 COMPATIBLE?
Windows 95
Windows 98		 AOL 3.x (all) No
AOL 4.x (128-bit encryption) Yes
AOL 5.0 Preview 3 No
AOL 5.x (128-bit encryption) Yes
Microsoft® Internet Explorer 3.x No
Microsoft® Internet Explorer 4.x Yes
Netscape® Navigator 3.x No
Netscape® 4.51 or greater Yes
Windows 3.1 AOL (all) No
Macintosh AOL 3.0 (all) No
AOL 4.0 (all) No
AOL 5.0 Preview No
AOL 5.0 Yes

To access Home Banking you will need to be using AOL's 32-bit version software (with 128bit encryption). Currently we support the 32-bit AOL version 4.0 and 5.0 browsers.

The 16-bit version does not support JavaScriptTM and has no Java controls under preferences. The 32-bit version does support the newer JavaScriptTM and has Java controls under preferences. AXIS Online Banking uses JavaScriptTM to perform input validation and requires this capability. There should be no problems with the 32-bit version.

If you are a Windows 3.1 user, your operating system supports only the 16-bit version of the AOL software. Software versions using 16-bits software will not work with Home Banking and you will need to upgrade to a 32-bit version. If you are using an older computer, you may need to check with the manufacturer to see if you need to upgrade your system.

If you are using Windows 95 and above, you will be able to run the 32-bit version of the AOL software.

Macintosh information:

Currently the America Online For Macintosh Version 4.0 will work with Home Banking. The minimum system requirements recommended by AOL are as follows: 32 megs of ram, 7.5.3 operating system, 30 megs of disk space, a 14.4 modem, PowerPC or a 68040 processor. (This software will run on an IMAC using 8.3 operating system.)
To get past this problem:
  • Download Netscape® Communicator 4.7 or Microsoft® Internet Explorer 5.0 (these two browsers have the latest JavaScript engines and are Y2K compliant). Use either of these as your browser. AOL allows you to log on, minimize, and then open either of these browsers.

    or
  • Use another Internet service provider (besides AOL) that supports a browser that can use JavaScript TM.

AOL has released two versions of AOL 5.0 (AOL 5.0 Preview and the AOL 5.0 full version). The AOL 5.0 Preview Version is the beta version of AOL 5.0, and it installs the Microsoft® Internet Explorer 5.0 browser with it. Because of difficulties found with this product while using the Home Banking platform, it is highly recommended to upgrade to the full version of AOL 5.0.

AOL 4.0 (128-bit encryption) uses Microsoft® Internet Explorer 5.0, and it works well with Home Banking. There may be some cases where a server error is received after completing a transfer. The complete message is:

"Server Error: This server has encountered an internal error which prevents it from fulfilling your request. The most likely cause is a misconfiguration. Please ask the administrator to look for messages in the server's error log."

This misconfiguration is caused by Microsoft® Internet Explorer (4.0 or greater) when it is installed on a computer before AOL 4.0 software. When AOL 4.0 is installed, the files may become corrupt; however, most AOL 4.0 users will not experience this problem. If this error is experienced, download Netscape's most recent browser version. Upgrades can be found at Netscape's Web site, www.netscape.com.
If problems are encountered with AOL:
  • Download Netscape® Communicator 4.51 or greater, Microsoft ® Internet Explorer 4.0, or any other browser that supports JavaScript TM, and use that as the browser. AOL allows the user to log on and then open a new browser.

    or
  • Use another Internet Service Provider (besides AOL) that supports a browser that can use JavaScript TM.
If your software is not compatible, perform the following steps:
  1. Upgrade to Windows 95 and AOL Browser 4.0 (128-bit encryption) or greater.

      If you are using an older computer, you may need to check with the manufacturer to see if you need to upgrade your system.

Incompatible browsers may cause the following problems:
  •  
 A blank screen.
  •  
 An alert to enable JavaScriptTM.
  •  
 Repetitive requests for the password.
  •  
 Problems retrieving previous history.
  •  
 Problems with the download function.
IMPORTANT: It is suggested that you download an upgraded browser (Netscape® 4.51 or greater, or Microsoft® Internet Explorer 5.0 or greater). AOL provides download instructions or go directly to the Netscape® or Microsoft ® Web site. Once the browser is downloaded, use it in conjunction with AOL.
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RECOMMENDATIONS FOR
COMPUSERVE USERS
CompuServe provides a browser within their software for connecting to the Internet. Use the following chart to determine if your software is compatible with Home Banking.
OPERATING
SYSTEM		 BROWSER
VERSION		 COMPATIBLE?
Windows 95
Windows 98		 Netscape® 4.51 or greater Yes
CompuServe CIM (all) No
CompuServe 2000 Yes
Windows 3.1 CompuServe (all) No
If your software is not compatible, perform the following:
  1. Upgrade to Windows 95 and the latest version of CompuServe 2000.

    or

     

  2. Download an upgraded browser like Netscape® 4.51 or greater, or Microsoft® Internet Explorer 4.0 or greater, and configure it as an external browser.
CompuServe provides download instructions or go directly to the Netscape® or Microsoft® Web site.
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INTERNET TIPS
Find and Replace - Control F is a find and replace feature on the browser that allows you to search for Key words.
Error Messages - To show the Credit Union the exact error message that you are receiving, display the error message on your screen then press Print Screen on your computer's keyboard. This will transfer the image to your clipboard which then be transferred to a Word document or other application.
When experiencing an error message, try the following steps before contacting the Credit Union:
  1. Close the browser.
  2. Retry.
  3. Close the cache, reload, or refresh.
After trying this and you still continue to receive the error message, contact the Credit Union.
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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Accounts Federally Insured to $250,000 by National Credit Union Administration an agency of the U.S. Government

The NCUA Insurance Call Center, at (800) 755-1030, ext. 1, operates from 8 a.m.-6:30 p.m. Eastern time, Monday through Friday. Experts are available to answer questions about NCUSIF coverage.
 

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