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CEFCU On-Line and Mobile Banking

  • Why am I receiving a request to update my password?

    For increased security, passwords expire periodically.  You will be prompted to update your password when it expires.  Your new password can't be the same as ones you've used recently.

  • How do I update my password?

    If you wish to change your password before it expires, log in to CEFCU On-Line® or Mobile Banking, select Settings from the main menu, Security Preferences, then Change Password.  You must enter your current or old password, your new password, then confirm your new password.  Alternatively, users may select Forgot your password? and follow the process.  Note: the Forgot your password? process will require a Secure Access Code.

  • What are the password requirements?

    Passwords must be at least 8 characters long, no more than 25 characters long, must contain minimum of; 1 number, 1 lower case, 1 upper case character.  The password requirements will display on the screen as you are prompted to change the password.

  • Can I re-use my password?

    No, your new password can't be the same as ones you've used recently.

  • How do I make a CEFCU loan payment from an external account?

    To make a payment from an external account to a CEFCU Loan, select the Transaction drop-down menu, then select the Loan/Card Payments option. Select the external account to make the payment from, then select the Loan to make the payment to. Please note: Loan Payments from an external account can take two to three business days to process. If you do not currently have an external account set up, this process may take an additional one to three business days.

  • I’m trying to transfer money to my CEFCU Credit Card/Loan account, but the account doesn’t appear in the drop-down menu. What do I do?

    CEFCU Loan payments are made using the Loan/Card Payment menu. There, you’ll be able to select the Loan or Credit Card for payment, as well as the account from which your payment will be made.

  • What is the Secure Access Code?

    The Secure Access Code (SAC) is a security feature on CEFCU’s On-Line and Mobile Banking and has been added to ensure the Credit Union is in compliance with multi-factor regulations.  SAC allows CEFCU to identify you and make sure your accounts are secure by sending a new 6-digit code to one of the contact points we have on file for you each time you attempt to access CEFCU On-Line or Mobile Banking with an unregistered browser/device.

    This SAC will be sent when you log in for the first time, and any other time you log in using a new browser, computer, or mobile device that you have not previously registered.

    The SAC offers another level of protection in case someone gets access to your Login ID and password and tries to log in to your CEFCU On-Line or Mobile Banking accounts.  If they do not have access to obtain an SAC, they cannot access your online banking.   

    When you receive your SAC, you will want to enter it quickly as it is only valid for 15 minutes.

  • The contact information listed for me to get my Secure Access Code is not correct, what do I do?

    Please contact CEFCU at 309.633.7030 or 1.800.633.7077 ext. 37030 to update the contact information CEFCU has on file for you. You can also make changes while logged in by navigating to Settings > Security Preferences > Secure Delivery.

  • Am I going to need to get a new Secure Access Code every time I log in to CEFCU On-Line/Mobile Banking?

    To ensure CEFCU is in compliance with multi-factor regulations, a Secure Access Code (SAC) is required every time you log in to CEFCU On-Line/Mobile Banking from an unregistered browser/device.  You can register multiple browsers/devices by entering a new SAC for each and selecting to register them.  It’s important to remember that if you clear cookies and cache, that will unregister your browser, and you will be required to obtain a new SAC the next time you log on.

  • Is my log-in the same for Mobile Banking and CEFCU On-Line Banking?

    Yes. Your Login ID uses the same credentials for both CEFCU On-Line and Mobile Banking.

  • Can I log in faster to Mobile Banking?

    Yes. The CEFCU Mobile Banking App offers quick login options of Passcode, Fingerprint, Touch ID, and Face ID. To enroll, click or tap the option available on your device.