Online 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 the it expires, log in to CEFCU On-Line, 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.  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 to a CEFCU loan, the funds must come from a CEFCU account. Please transfer the funds from the external (non-CEFCU) account to a CEFCU deposit account (like your Savings or Checking account), then make the payment to your CEFCU Loan from the deposit account.

  • 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?

    With the old CEFCU On-Line, loan payments were made using the “Transfer” action. With the upgraded CEFCU On-Line, all CEFCU loan payments are made using the Transactions/Loan Payments menu. There, you’ll be able to select the loan or credit card for payment, as well as the CEFCU account from which your payment will be made.

  • What is the Secure Access Code?

    The Secure Access Code (SAC) is a new security feature on CEFCU’s online 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 with an unregistered browser.

    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 user ID and password and tries to log in to your CEFCU On-Line accounts.  If they do not have access to obtain an SAC, they cannot access your online banking accounts.   

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

  • I’m seeing “Pending” transactions in my account detail. How can I tell when these transactions will process?

    Recurring transactions set up before the CEFCU On-Line upgrade (prior to 2/9/16) will appear as “Pending” in the account detail/transaction section. To view when a pending transaction will process, click the listing to expand the transaction details.

  • 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 X37030 to update the contact information CEFCU has for you on file.

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

    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 from an unregistered browser.  You can register multiple browsers by entering a new SAC for each and then 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?

    No, the two systems do ask for different log-ins to access your account.  So, you will have a log-in for CEFCU On-Line Banking and another for CEFCU Mobile Banking.  These log-ins remain separate as the CEFCU On-Line Banking and CEFCU Mobile Banking are two different systems.