BACU@home - Frequently Asked Questions

What exactly is BACU@home?
 BACU@home is a convenient, safe and secure way for you to access your credit union accounts – 24 hours a day, 7 days a week all from the privacy of your own home, your office or anywhere you have an Internet connection.

Is there a fee for using BACU@home?
BACU@home is a FREE service for members of Best Advantage Credit Union.

Will BACU@home work from my computer?
All you need to use BACU@home is:

  • An Internet Connection

  • Internet browser that supports 128-bit encryption

  • Microsoft Explorer 5.0 or greater or Netscape Navigator 4.6 or greater

  • Select your screen resolution to 800 x 600 and color settings 16 bit (Recommended settings for screen but not required) 

How do I sign up to use BACU@home?
If you are a member of Best Advantage Credit Union, you can sign up right now!

It’s easy. Stop at one of our offices or call BACU for an application.

If you are interested in joining the credit union or have any additional questions, please contact Best Advantage Credit Union at 1-800-772-3116 or by e-mail at bacu@bacu.com.

What can I do once I am connected to BACU@home?
You can access your account 24 hours a day, 7 days a week to do the following:

  • Transfer funds within your account number

  • Do scheduled transfer payments

  • Transfer to my spouse/children's accounts

  • Review account balances

  • Verify transactions by date and amount including deposits, withdrawals, transfers, and payments

  • Verify checks that have cleared your account

  • Make loan payments from funds in your account

  • Review loan payoff amounts and due dates

  • Obtain annual dividends and interest information

  • You may download transactions into Quicken or Microsoft Money  

When do transactions post to my account?
All transactions will post immediately.

How many transactions/inquires can I do, per visit, per day, per month?
Unlimited.

When will my transfers take place?
A one-time transfer will be transferred immediately, while a scheduled transfer will take place on the scheduled day.

If I sign up for BACU@home will I still receive a statement in the mail?
Absolutely.  You will continue to receive your scheduled statements as usual.

Can I transfer funds from my account to my spouse/children’s accounts?
Yes. This must be prearranged with the Credit Union.

Is my account information secure?
BACU provides you with the highest security for your account and personal information.  There are many layers of security to ensure your information is safe.  High security firewalls, encryption, your personal access and password, and automatic logoff are in place to protect your information.

Can I change my password?
Yes. You can change your password on-line by clicking the Change Password button at the top of the page.  Remember your password is in lower case and requires at least 1 alpha and 1 numeric character with a minimum of 8 and maximum of 16 characters.

What if I forget my password?
To gain access you will have to call Best Advantage Credit Union at 1-800-772-3116.

What if I entered my password incorrectly several times and now that I remember it I can’t get into the system?
As a security feature, you have 3 attempts on your first logon.  If you fail to gain access at this point you can try to access again a minimum of 30 minutes after your first failed logon attempt.  You will again have 3 attempts again to logon before you are locked out of the system.  To gain access now you will have to contact Best Advantage Credit Union at 1-800-772-3116.

What is my Access ID?
Your access ID is assigned by the credit union when you open your account and may be changed the first time when you sign on to be BACU@Home. 

How long can I be online?
There is no time limit on BACU@Home.  However, we will automatically log off your session after 3 minutes of inactivity for security.  If this occurs, you will be back at the home page where you will logon again to enter into BACU@Home.

 
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