Have you tried Clearpath Internet Banking?

It's like having a 24/7 branch at your fingertips. Best of all, it's FREE for members and includes Online Bill Payment services for those with Clearpath Checking. If you have not yet enrolled, simply contact a Member Service representative at 800-433-7328 and ask to receive your temporary password.  It only takes a minute, and then you're ready to go!

Already registered?
Click here to log in.

Here are some features of Clearpath Internet Banking:

• View your account history (up to the last six months)
• View your eStatements (Accounts, Credit Card, Tax Forms)
• View images of canceled checks
• View your pending transactions (electronic transactions)
• Transfer funds between accounts in real time
• Make payments by transferring funds to Clearpath Federal Credit Union loan accounts and Credit Cards
• Transfer funds between your Clearpath Federal Credit Union account and other financial institutions
• Order Checks
• Set up Account Alerts to get notified when checks clear, when balances change, or when a deposit is received
• Open new accounts
  

Answers to Frequently Asked Questions:

Which accounts can I access with Internet Banking?
You can access all of your Clearpath Credit Union accounts, including savings, credit cards, and loans.

What do I need in order to begin using Internet Banking?

• To access your account through Internet Banking, you will need the following:Any type of computer that can access the Internet
• An Internet Service Provider
• A Web browser (Internet Explorer 6.0 or Netscape Navigator 7.0 recommended)
• Your Clearpath Federal Credit Union account number and password

How much does Internet Banking cost?
Clearpath Internet Banking and Online Bill Payment are both FREE.

Can I use Internet Banking from any location?
Yes, as long as you have access to the World Wide Web, you may use Internet Banking from any location in the world, 24 hours a day.

How secure is Internet Banking?
Very secure. Clearpath Federal Credit Union uses state of the art network security to ensure the protection of your account information.

Can I pay bills with Internet Banking?
Yes, you can enroll for Online Bill Payment and immediately start paying bills through your Clearpath Checking account by simply clicking on the option from the navigation bar.

If I make a transfer between my Clearpath Federal Credit Union accounts, how soon are my funds transferred?
Internet Banking operates in real-time, so transactions are reflected on your account immediately.

If I provide my e-mail address through Internet Banking, what will you be using my e-mail address for?
We’d like to have your current e-mail address on record as a way of notifying you regarding important account information. From time to time, with your permission, we may also send you notification about special offers or other information. We respect our members’ privacy, and will never sell or give your e-mail address to anyone.

Why can’t I log in successfully?
You may be locked out. As a security feature, if you unsuccessfully attempt to log in to Internet Banking five times, online access will be denied for your account. This is to prevent someone from trying to guess your password. If you are having difficulty logging in, please call (800) 433-7328 during business hours.

What do I do if I forget my password?
You will need to call (800) 433-7328 during business hours so that we may reset your online account status and provide you with a temporary password.

What if my account information is not correct or doesn’t appear on Internet Banking?
Please call (800) 433-7328 during business hours.

What are the business hours for Internet Banking?
If you need to talk with a Clearpath Federal Credit Union representative regarding Internet Banking, someone will be available to help you Monday, Tuesday, Wednesday, and Friday from 8 am to 6 pm, Thursday from 10 am to 6pm, and Saturday from 9 am to 1pm. You can e-mail Clearpath through Internet Banking 24 hours a day.

Can the joint owner on my account use Internet Banking?
Yes, joint owners can access the account in the same way that you do. Please note that there is only one password allowed per Clearpath Federal Credit Union account, so if you wish your joint account holders to have Internet Banking access, you must give them your password.

Can I use Internet Banking directly from Quicken or Microsoft Money?
Not at this time. Currently, you must use your Web browser to access Internet Banking, you can export your account history as a .QIF (Quicken Interchange Format) file, and import that file into Quicken or Money.

How can I export my account history to Quicken or Money?
When you are in the Account History screen, click on the link for Money/Quicken. Choose the range of dates for the transactions you wish to export. Internet Banking will save the file to your computer in .QIF format. You can then import that file into Quicken and Money.

Are there limits on the number of transfers I can make?
There are no limits on transfers from Credit Union checking accounts or lines of credit. However, federal regulations limit the number of electronic transfers from savings accounts to a maximum of six per month. The maximum of six includes electronic transfers made via all other methods, including Phone Teller.

Are there any limits on how many times a day I can log into Internet Banking?
There are no limits on how often you can use Internet Banking. Visit Clearpath Internet Banking as often as you like.

What is Online Bill Payment?
The Bill Pay features of Internet Banking allow you to pay bills or make other payments from your checking account using the Internet. Payments can be scheduled 24 hours a day, 7 days a week, from anywhere in the world. If you can access the World Wide Web, you can use Internet Banking Bill Pay.

How do I access Internet Banking Online Bill Payment?
Click the Internet Banking log-in link from Clearpath Federal Credit Union's home page at www.clearpathfcu.org. Once you’ve logged on, click on the Bill Pay link on the left hand side menu.

What is required to use Internet Banking Bill Pay?
You must have a checking account at Clearpath Federal Credit Union, an Internet Browser that meets our minimum requirements (e.g., Microsoft Internet Explorer 5.5 or greater or Netscape Communicator 6.0 or greater for PC; Microsoft Internet Explorer 5.1 or greater or Netscape 6.0 or greater for MAC), and Internet access to use the service.

How do I enroll?
It’s easy! There are no forms to complete and no paperwork. Once you are logged into Internet Banking, click on the Bill Pay link on the left hand side menu. The first time you click on that link, if you have Clearpath Checking, an enrollment screen will be displayed. Just agree to the terms and conditions and you can begin adding payees and making payments immediately.

What does Internet Banking Bill Pay cost?
Bill Pay is FREE for Clearpath Members with Checking!

I’ve enrolled in Bill Pay. What do I do now?
When you get on to Internet Banking Bill Pay for the first time, you must add payees before you can schedule payments. Click on the Bill Pay link on the left hand side menu, then click Manage Payees from the sub-menu. Choose the type of payee (non-Clearpath Credit Union payee, Clearpath Credit Union Loan, Clearpath Credit Union Credit Card, etc.), and enter your payee information from the most current bill received. When setting up your payees, please make sure that the information is obtained from the most current bill received. This will avoid any processing delays, which are often caused by an old or incorrect account number or an incorrect mailing address. Once you’ve added one or more payees, click on the Make Payment link on the Bill Pay sub-menu to schedule payments.

When is my account debited?
Your account is debited around 10:00 PM on the scheduled withdrawal date, Sunday through Thursday. Payments are processed for you and sent to the payee the following morning (meaning that payments are sent Monday through Friday mornings). Payments are not sent on Saturdays, Sundays, or holidays.

How is my bill payment processed?
After your account has been debited after 10:00 PM, the payment information is sent to a third-party processing company early the next morning. The processing company determines the best way to send the payment, and issues your payment that same day, either via paper check or electronically.

How can I see which payments are pending or have been paid?
Click the History link from the Bill Pay sub-menu. The Payment History tab contains payment history for bills that you have paid (30 days by default, but a longer or shorter period can be chosen). You can click on the Detailed Search tab for more detailed payment history. You can search by payee name, amount or date range. To view pending payments, click on the Pending Payments tab.

Can I stop a payment I have scheduled?
You can cancel any payment prior to the funds being withdrawn from your account by clicking on the Pending link in the Bill Pay sub-menu. On the pending payments screen, click the "Cancel" link to cancel the payment. Once the funds have been withdrawn from your account, payments that are made electronically cannot be stopped. Payments that are made by check may be able to be stopped as long as the check has not cleared, although we do not guarantee that we can stop the payment. To check the status of a check payment, click on the History link from the Bill Pay sub-menu then select the Payment History tab. The check cleared column will display the date the payment has cleared. To stop payment on a bill payment check that has not cleared, call Clearpath Federal Credit Union (800) 433-7328. Please do not make these types of requests via e-mail, since timing may be critical to our ability to stop the payment.

How do I know whether a payment is made electronically or by check?
The Method column on the Payment History screen shows whether a payment is made by check or electronically. Please note that payees that are not in our database are paid by check the first time a payment is scheduled, even if they can accept electronic payments, but are paid electronically thereafter. In addition, there are some payees who may never be paid electronically, even if the payee accepts electronic payments. The Credit Union and its payment processor reserve the right to determine the most appropriate way to make the payment.

How do I schedule payments?

• First, you must add one or more payees (see above). Once you have set up payees, click on the Make Payments link from the Bill Pay sub-menu to make your bill payments. To make a one-time payment, click on the Payments tab and follow these simple steps: If you have more than one checking account, choose the account from which you’d like to make the payment
• Enter the payee name
• Enter the dollar amount of the payee
• Enter the date that you wish the funds to be withdrawn from your account.
• It is important to note that this is not the due date; it is the date that funds will come out of your account. You can schedule funds to be withdrawn anywhere from the same day or up to a year in advance. However, you must allow enough time for the payment to be received and processed by your payee. Clearpath Federal Credit Union recommends that you schedule your payments a minimum of 5 to 7 business days in advance of the due date. Depending on the payee, payments may be sent electronically or via U.S. Mail; but even electronic payments need at least 3 business days to be processed. Be aware that some payments which require a coupon or a payment stub may take longer to process by the payee.
• If you are making a recurring payment, select the Recurring Payment tab. Choose the account from which you would like to make the payment, the date you would like the recurring payment to start, the payee name, dollar amount and frequency of the payment (monthly, weekly, etc.) and the total number of payments. You can enter a number up to 999 for the number of payments. Make sure to enter a number greater than 1, or the payment will only be made one time.