Security Information & Disclosure

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What About Security? - Ensuring our system security and your privacy within our internet home banking is our number one priority. From the basic design architecture, to the use of the latest internet technologies, our home banking site allows you to experience the convenience of internet home banking with confidence. Some of the ways we ensure your privacy, and the security of our entire home banking system include:

  • The credit union computer is never connected to the internet.
  • Your accessible account information is stored on a dedicated home banking database server which responds only to authenticated requests from our web server.
  • We use Secure Sockets Layer (SSL) encryption and digital certificate server authentication.
  • All internet data mechanisms have been custom designed around the latest technologies and configured with the latest recommended security configurations.
  • One way password encryption in the web home banking database means nobody can extract your password, not even us or our web system administrators.
  • You can change your password within our home banking site as often as you like.
  • Our web home banking database server does not contain identifying information such as names, addresses or social security numbers anywhere within the system.
  • Forms you submit within home banking are completed under SSL (encryption and server authentication) by you and retrieved by us under SSL.

If you have questions about our site security, please feel free to Contact Us with your specific questions.

Learn More

When you log online to check your accounts, you can rest assure that your information is protected. The Credit Union has a "two-factor authentication" system. This authentication system will help combat fraud and identity theft. The National Credit Union Administration (NCUA) stated: Authentication is the process of verifying a member's identity using a variety of methodologies and technologies before the member gains access to the system. It is a way to ensure members are who they say they are. The new authentication system will require home banking members to:

  • enter their account number confirm or enter their email address (The e-mail address that you have set up with HCU is required)
  • enter their existing password (You can not save your password in your PC)
  • decide on and enter a secret word
  • choose and answer challenge questions

After the authentication process is complete you will be directed to the account balances page. All subsequent log-ins from the same PC will require only your account number and password. If you are logging on to a PC that you have not previously used after the "two-factor authentication", you will be challenged and must correctly answer the challenge question(s) previously setup. Any future log-ins from that PC will only require your account number and password. A few other scenarios that may require you to successfully answer a challenge question include: not using a particular PC to access home banking for six months or more purchasing a new PC changing browsers clearing cookies The initial log-in will also ask you for a "secret word." The secret word will then be displayed every time you access HCU before you enter your password. If the "secret word" is missing or incorrect you should not enter your password; if you do you may be directed to a phishing site, where your confidential information may be compromised.

If you have any questions, call the credit union at 937-228-1614 or contact us at

Password Information

How do I get started: In order to use our internet home banking site, you will need a password. To get your new password use the last 4 of your social security number and we will get you all set up. Once your new password is issued, you will be required to change it on your first visit to the secure Home Banking site. It's that easy!

What if I forgot my password? Don't you just hate it when that happens! Unfortunately, neither the credit union nor our web system administrator can 'look up' or otherwise inquire on your password. It's not technically possible. What we can do is issue you a new one, which you will be required to change on your first visit to the secure site. Contact Us via e-mail or call us at 228-1614 for further information.

Online Banking Disclosure Introduction:

The following information explains the terms and conditions for using our Internet Home Banking Service and provides certain disclosures and information to you concerning the service. Each of your accounts at Firefighters and Company Federal Credit Union is also governed by the applicable account disclosure/agreement and Truth In Savings disclosure you received when you opened your account.

How To Access Your Accounts: To access your accounts through our online service, you must have your account number and a password.

The password that is used to gain access to your information should be kept confidential, just as you would keep other PIN numbers and security codes confidential. For your protection we recommend that you change your access password regularly. It is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money between your accounts without your permission, notify Firefighters and Company Federal Credit Union at once at 937-228-1614.

You cannot use E-mail to initiate transactions, change information or inquire on your account(s). We will not respond to these types of requests via E-mail since we cannot be certain we are corresponding with you. Please use the appropriate functions within our online service, call 937-228-1614 or visit the credit union for these functions.


There is currently no fee for accessing your account(s) through our service. We reserve the right to impose / change the fee amount, if necessary, after providing 30 days notice to all users at the home banking login page and/or e-mail address.

Your internet service provider (ISP) probably charges you a fee to access the internet via its server. We have no control over ISP related fees.

Available Services and Limitations:

The following functions may be performed by members through the service:

  • Transfers: You may transfer funds between your Share or Loan Accounts as the account agreements may allow. Transfers done through the service DO NOT immediately charge or credit your account. TRANSFERS WILL BE EFFECTIVE BY THE NEXT BUSINESS DAY AFTER THE DATE OF SUCH TRANSACTION but may occur sooner.
  • Account Balances: You may view your share and loan account balances. Because the main credit union computer system is not connected to the internet, it is possible that some transactions that affect these balances, and have been processed by the credit union, are not yet included in the balance at the time you view it. In addition, there may be drafts written against your balance, or other electronic items such as debit card transactions, that have not yet been presented to the credit union for payment.
  • Transaction history: You may view the transaction history for any loan or share account. Because the main credit union computer system is not connected to the Internet, it is possible that some transactions are not yet included in the history at the time you view it even though they may have been processed by the credit union. The main credit union computer system is always the official record of account history. The Internet Home Banking service may be updated several times per day for your convenience in viewing account activity.
  • Download Transactions: You may download transactions in various formats (as available on our site) for import into personal financial software programs.
  • Password Changes: If you are a service user, you may change your password at any time from within the home banking section. For your protection we recommend that you change your access password regularly.
  • Check orders: You may reorder checks and/or view and order new check styles available through the credit union. We will not process check order requests if you do not have a checking account at the credit union.
  • Transaction search: You may search for drafts and other transactions that have cleared your account. You may also list clearings by date, cleared check number, transaction description or other means. The oldest transaction available will vary but dates will go back, at a minimum, to your last regular statement date.
  • Additional Services: From time to time, we will announce additional services which are available through the service. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.

We reserve the right to limit access or cancel on-line access at any time.

Operating Systems and Security:

Our Internet home banking site is designed to operate using world wide web technologies and protocols which are adaptable to a wide range of systems. The home banking section uses SSL encryption and requires a browser with a current (unexpired) Thawte Root CA Security Certificate. Some older browsers may not be able to connect to the site without first updating the browser security certificate. Our server uses 40 to 128 bit encryption, depending on the users browser.

We use cookies to help us administer the home banking section. Some browsers allow you to reject cookies from servers. If you don't allow us to set a cookie upon entering the site, you will not be able to log in. The cookie we set contains information we need for security, and allows us to 'time out' your authority to view information. We place the cookie with instructions that it can only be sent to a server in our home banking domain ( A cookie cannot be used to extract data from your PC. We do not store your Access Code, User Id or Password in your cookie. The cookie we set will 'time out' your access authority to our home banking section. Until it times out, you can come back to our home banking without logging in. After the time out period, you will need to log in again. Remember, most browsers will let you use a BACK button to view previously visited documents, even if your viewing authority has expired. For this reason, the only way to keep others from viewing your account balance is to exit the browser when you are finished with your session. This is especially important if you are using a public or shared computer.


Our home banking database is a private system operated for the exclusive use of our members. We use SSL encryption and digital server authentication to insure the privacy of your information when sending data between our server and your PC. All logins are logged by the server. For authenticated members who use this service, we collect and store certain information such as how often you visit the home banking section, dates and times of visits and which pages are being used. We use this information for internal review and product evaluation only. We never sell, transfer or trade this information unless we are compelled to do so by law. We may gather and store additional information available to us on failed login attempts and other activity we consider a threat to our system. In these cases, we will share this information with other companies, agencies and law enforcement officials as we see fit. Please request a copy of our Privacy Disclosure for further information about the credit union's policy concerning the privacy of your financial information.

Liability for Unauthorized Transfers:

Tell us AT ONCE if you believe your password has been lost or stolen and immediately change your password from within the system. Calling is the best way to notify us immediately. You could lose all the money in your account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your password without your permission.

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason kept you from telling us, we will extend the time periods.

If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

  • 937-228-1614
    or write:
  • Firefighters and Company Federal Credit Union
  • 338 S Patterson Blvd Dayton, OH 45402


All transactions generated by you through this service and any home banking fees will appear on your monthly or quarterly statement.

Our Liability:

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement/disclosure with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

  • If, through no fault of ours, you do not have enough money in your account to make the transfer, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit;
  • If the home banking equipment or software was not working properly and you knew about the breakdown when you started the transfer;
  • If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken;
  • If your account is subject to legal process or other claim;
  • If we have reason to believe that you or someone else is using the home banking system for fraudulent or illegal purposes.

We shall not be responsible for any other loss, damage or injury whether caused by the equipment, software and/or the home banking service, nor shall we be responsible for any direct, indirect, special or consequential damages arising in any way out of the installation, use or maintenance of your equipment, software and/or service, except where the law requires a different standard. We do not make any warranties concerning the equipment, the software or any part thereof, including, without limitations, any warranties of fitness for a particular purpose or warranties of merchantability.

Errors and Questions:

In case of errors or questions about your electronic transfers, telephone us or write us at the telephone number or address listed in this disclosure as soon as you can. We must hear from you no later than sixty (60) days after you learn of the error. You will need to tell us:

  1. Your name and account number;
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information;
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days and correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate the complaint, but you will have the use of the funds in question after the ten (10) business days. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account during the investigation.

If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

If you need more information about our error resolution procedures, call us at 937-228-1614.

Business Day:

  • Our business hours are: Monday through Friday 10 AM - 6 PM
  • Federal holidays and Credit Union holidays are not included.
  • Firefighters and Company Federal Credit Union Internet Home Banking is easy, secure and FREE!
  • Contact Us if you have any questions, comments or need more information.