Energy FCU - Electronic Services

Enjoy the convenience of an EFCU branch right in your own home with eBranch. EFCU Internet Banking allows you 24-hour, 7 day a week access to your accounts from any computer--and now you can pay your bills right from your computer, too with Bill Pay.

The first 90 days of Bill Pay are free, and it remains free as long as you pay at least one bill a month.

To use eBranch, you must be a member of Energy Federal Credit Union and have access to the Internet. To log on to see your accounts, you must have your account number available and a PIN to use as the password. To obtain your password/PIN, please contact the Member Services Call Center at 301-670-1300, and they will automatically set you up with one. You may register for Bill Pay once you are in eBranch. View the Bill Pay demo from our home page--click on the link under the login area.

With eBranch, you can do the following:

Get real-time balances;
Reconcile your account with ease;
Search for a particular transaction with our History Search feature
Make transfers and loan payments;
Print account activity - without waiting for a mailed statement;
Download financial records to Quicken or Microsoft Money;
Access Related Accounts (Where you are joint owner)
Personalize or "Nickname" your accounts
Transfer between different account holders. Click here for more info.
Monitor the activity of your e-Check card
Check Stock Quotes
View your EFCU Visa statement and now pay you bill
Reorder checks for your checking account
Set up your own Scheduled Recurring Transfers
Receive Account Notifications via email
Convenient Challenge Question feature allows you to reset your own password securely.
Fill out a secure Stop Payment request.
Access our Secure Forms for Address Change, ATM Card, Debit Card, Check Copy Requests, Direct Deposit, or First Mortgages
Apply for the following loans via our secure, encrypted eLoan Application:

New & Used Auto	Share Secured	Home Equity	EZ Loan
New & Used Other Vehicle/Boat	Line of Credit	Education	Second Trust
Signature	Credit Card

To help keep your online information and transacations secure, we have Enhanced Login Security to fight against online fraud & ID theft.

Click here to demo our Home Banking system.

Information on Quicken and Microsoft Money Downloads

In 2003, we upgraded to a Web Connect product for our eBranch users. It still requires you to Export the file while you are in eBranch (through the download feature), but it will launch Quicken for you if you agree to open the file (so it may seem like a more online experience). When Quicken is launched, you will see the transactions listed at the bottom of the account page, and you will be able to process each transaction individually. You may also simply save the file from eBranch, and Import it into Quicken later.

Account Notifications

Tired of calling EFCU’s Call Center to see if your paycheck has been direct deposited? Don’t want to take a trip into the branch to see when your Certificate of Deposit matures? Logging onto to eBranch every morning to make sure you have enough in your checking account to cover the checks you wrote last night?

With Notifications you can set up any number of email notifications related to your EFCU accounts (or a Personal one):
> Balance (Greater or Less than)
> Periodic Balance
> Check Cleared
> Maturity Date
> A Personal Reminder

Once the notification is set up in your eBranch account, and your account meets the criteria you have indicated, a message will be emailed (at the email address you specify) notifying you of your account-specific information. Please note that the email you type in for the notification MUST MATCH the email you have provided for your eBranch account (look under Users Options in eBranch to determine what that email is). Also, you will continue to receive the notification as long as the criteria set by the notification is being met (you must go in and delete the notification if it has served its purpose).

Scheduled and Recurring Transfers

Making recurring and/or scheduled transfers within your account or to related account just got easier! You no longer have to log on to eBranch each and every time you need to transfer funds. Simply log on, set up a scheduled or recurring transfer and you’re on your way! You may select a specific date in the future (for one time only transfers), or choose a frequency you would like transfers made – such as weekly, monthly or twice monthly – depending on your own specific needs. Keep in mind, too, that you may view and change your schedule transfers on eBranch at any time, and will receive emails confirming your transfers, or if applicable, letting you know that your transfer could not be made (most likely due to insufficient funds). It’s a great way to pay a child their allowance, or even give your college student their own stipend. Saving for a fabulous vacation—transfer a small amount of money each pay into an Accumulator Savings account and watch your savings grow!

Please be mindful of scheduling deposits and transfers the same day--transfers may be scheduled to be taken out earlier in a day than deposits are made, and you could be in danger of an overdraft.

Secure Forms

Secure forms for Address Change, ATM or Debit Card applications, and Check Copy Requests, and Direct Deposit are now available online via eBranch. Stop Payment has it's own button on the eBranch menu.

Check Reordering

You can reorder your EFCU checks through eBranch by clicking on the Check Reorder button while you are logged into eBranch. You need to either have your unique Reorder Identification number and your starting check number OR you need to have your account number, routing and transit number and the starting check number.

Challenge Question Feature

The Challenge Question feature allows you to provide answers to certain standard questions (formatted by our web host) and have those questions later used for authentication purposes. These questions and answers are encrypted and not available to either EFCU or our web host, but only to you when needed. When you have forgotten your password, you click on the appropriate link on the Help page and answer your questions. If you successfully answer all of the questions, you are given the opportunity to then change your password. All previous questions and answers are then erased, and you will have to provide new ones if you like the system. The whole process takes minutes, and it's available 24 hours a day.

Federally Insured by NCUA

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