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XpressLink FAQ & Tips

  1. Exactly what equipment and software do I need to access XpressLink?
  2. Is the Internet safe and secure for online banking?
  3. Can anyone else see my account information? Is it out in the public?
  4. What if XpressLink goes down? Will my payments be made, will my transfers go through?
  5. How long does it take for a payment to reach my payee?
  6. What type of accounts are included in XpressLink?
  7. Can I have more than one checking account linked to XpressLink?
  8. How current is this information?
  9. Should the payment date I give be the date the payment is actually due?
  10. How soon are the funds actually taken out of my account?
  11. What happens if I don't have enough money in my account to cover a bill payment?
  12. When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date?
  13. Why does it take a few days to process payments?
  14. What should I do if a payee has not posted my payment?
  15. How can I prove payments and transfers were made?
  16. Will I be charged the monthly service fee even if I don't make any payments?
  17. How will the payments be made?
  18. Can I choose the method of payment?
  19. Does XpressLink work with other accounting software (i.e., Quicken®, Quickbooks®, Money®)?
  20. TIP: How do I set up Internet Explorer for XpressLink?
  21. TIP: How do I install the security patches for Internet Explorer?
  22. TIP: Can I use Firefox as a browser?
  23. TIP: How do I refresh my cache?
  24. TIP: What address do I need to allow past spam control?

Question #1
Exactly what equipment and software do I need to access XpressLink?

Answer:

You'll need an Internet service provider, a modem (28,800 baud or higher is recommended), and Browser software which supports Secure Sockets Layer (i.e. Netscape 4.x or newer, Microsoft Internet Explorer 4.x or newer. Latest browser version is recommended).

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Question #2

Is the Internet safe and secure for online banking?

Answer:

Yes. This is a common concern with banking and commerce on the Internet. Data on the Internet is safeguarded by encryption as it moves between systems. Data residing on a system can only be accessed by using an authorized sign-on ID and Passcode.

Any kind of breach in the security of our systems would be a serious business issue for the credit union. Our success depends on our ability to manage these systems safely and to continue to earn your trust as our customer. Please be assured that we will take every measure possible to protect the financial information and resources you have entrusted to us.

You can do your part by not sharing your sign-on ID and passcode with anyone.  ELGA will never ask you for your passcode or the answers to your setup questions in communicating with you about your account.. 

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Question #3

Can anyone else see my account information?

Answer:

Your online account information is available through access methods which have been rigorously tested for their secure access. The information is not public. Only you can access it using your Sign-On ID, and Pass Code.

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Question #4

What if XpressLink goes down? Will my payments be made, will my transfers go through?

Answer:

If XpressLink and all of our back up systems were to go down, you can be comfortable that any transaction for which you had already processed, prior to the system going down, will go through. If you were in the middle of a transaction and there is some question as to whether the system has received the request, you may feel free to contact the ELGA Credit Union at (810) 715-3542 to ensure your transaction request has been accepted.

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Question #5

How long does it take for a payment to reach my payee?

Answer:

Each payment made by XpressLink will be processed either by check or by electronic funds transfer. If the payment is made through electronic funds transfer, it will take a matter of hours for the payment to reach your payee. Payments made by check, however, will be delivered via the postal service. Delivery could take several days depending on where the payment is to be sent. The safest thing is to always schedule your payments at least seven business days ahead of the date they are due. This will ensure that the payment will be made and processed in time.

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Question #6

What type of accounts are included in XpressLink?

Answer:

You can access the following types of accounts:

  • Checking
  • Savings
  • Loan
  • CD's/Investment

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Question #7

Can I have more than one checking account linked to XpressLink?

Answer:

Yes. You can link all of your checking accounts to XpressLink.

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Question #8

How current is this information?

Answer:

All transactions and balance updates are performed once per day. So any transactions you perform today that change your balance (i.e. deposits, ATM withdrawals), will be reflected the following business day.

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Question #9

Should the payment date I give be the date the payment is actually due?

Answer:

No. You need to allow some time for the payment to reach your payee, so enter a date before the actual due date. Be sure to take into account that, although you can schedule a payment at any time, payments are actually initiated (sent to the payee) only on business days.

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Question #10

How soon are the funds actually taken out of my account?

Answer:

When you schedule the date of the payment it will be withdrawn on the specified day.  If you do not specify a date, then payments made before 3 pm will be withdrawn from your account that business day.  Payments without a specified date made after 3 pm will be withdrawn the next business day.  Payments without a specified date made on a Friday after 3 pm will have the funds withdrawn on Monday.  If a payment is scheduled for payment on a weekend, the funds will be withdrawn on Monday. Business days are Monday through Friday excluding holidays.

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Question #11

What happens if I don't have enough money in my account to cover a bill payment?

Answer:

If you do not have a sufficient available balance, the payment will be returned and you will receive an XpressLink message alerting you that the payment has not been made.

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Question #12

When and how are my payments delivered and how can I ensure that my payee receives my payment on the due date?

Answer:

When you schedule a payment, XpressLink warehouses the payment until it is time to process it. The time to process will vary depending on how the payment is to be made and how long it will take to get the payment to the payee.

Once the system has determined that it is time to process the payment, the payment is changed to a processing status. The payment is then processed by conducting an electronic funds transfer, or a check is produced and made payable to the payee from your account. The check is then sent to the payee via regular mail.

Since the system requires you to submit payment requests seven days in advance, this ensures there is sufficient lead time to process your request and get it to the payee by the date you specify.

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Question #13

Why does it take a few days to process payments?

Answer:

Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee through the U.S. Mail. Once it is received by the payee, it may also take a day or so for that payee to process the check and post it to your account. Even for electronic payments, it may take two or three days for your payment to be posted. By allowing a few days for processing and delivery, we can guarantee that your bills are paid on time.

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Question #14

What should I do if a payee has not posted my payment?

Answer:

You need to allow a few days for your payee to process your payment. If your payee has not posted the payment to your account after a few days, send an online message to the Bill Payment Desk to inquire about the status of the payment. Be sure to provide the item's reference number. The reference number is displayed on the Pay Bills screen under the "Ref #" column. The payment will then be traced and a status response will be sent to you.

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Question #15

How can I prove payments and transfers were made?

Answer:

With each payment and transfer, you are given a reference number so you know we received it. In addition, payments and transfers will appear on your transaction register so you can see they posted. You'll also continue to receive your monthly statement in the mail from your payee.

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Question #16

Will I be charged the monthly service fee even if I don't make any payments?

Answer:

Yes, the monthly service fee is charged just like your telephone bill or cable bill - whether you use the service or not.

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Question #17

How will the payments be made?

Answer:

We use two methods of payment:

  • Electronic - XpressLink sends an electronic credit to your payee and electronically debits your checking account on your scheduled payment date.
  • Laser Draft - looks and acts just like one of your personal checks.

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Question #18:

Can I choose the method of payment?

Answer:

No. XpressLink will process the payment electronically if possible. If not, then an Online Check is produced. Over time, some payees which could not accept electronic payment may be able to. They will then begin being paid electronically.

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Question #19

Does XpressLink work with other accounting software (i.e., Quicken®, Quickbooks®, Money®)?

Answer:

Absolutely. XpressLink was designed to be highly compatible with these popular software products. You can access the export capability from the Reports screen.


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u

 Microsoft Internet Explorer Setup for Xpress Link: The most common symptom of a incorrectly configured browser is returning to the login screen. If you attempt to login and get returned to the login screen with no errors or messages you are not configured to accept "session cookies". Follow the directions here to resolve this and other problems.

XpressLink® is a secure web application that provides ELGA members the ability to manage their accounts and pay bills from the Internet. Connections to XpressLink® uses RC4 128 bit encryption with the use of a Verisign certificate. XpressLink requires the use of temporary cookies which may require that they be allowed on your Internet browser. This mostly became an issue with the release of Service Pack 2 of Windows XP. Cookies are text files that get stored on your computers hard drive to track items that can be retrieved later.

To prevent problems using XpressLink® the following settings should be made to your Internet browser. XpressLink supports most common browsers. The following setting are for Microsoft Internet Explorer.

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 Always make sure your computer has all of the most recent security patches and fixes. A properly updated computer is very important especially when accessing personal and financial information over the Internet. The simplest way is to use your Internet Explorer and select Tools and then Windows Update

Step 1

The options for Microsoft Internet Explorer are found under the Tools/Internet Options pull down menu at the top of your browser.

  1. Click on this menu option and select the Security tab
  2. Then select the Internet icon. 
  3. On this tab make sure your Security level is set to Medium or less. You may need to press the Default Level button.
  4. Next select the Trusted sites icon of the Security tab.
  5. Add the main ELGA web page along with the secure site to your Trusted sites list by pressing the Sites button.
    ( Both elgacu.com and     https://secure-elgacu.com should be added.)

See the picture on the right for an example.
You may have more sites in your list that what is shown here.

 
Security Options Tab


Trusted Sites


Step 2 

Delete Temporary Internet Files
 

  1. Start Internet Explorer.
  2. On the Tools menu, click Internet Options, and then click the General tab.
  3. Under Temporary Internet files, click Delete Cookies.
  4. Click OK when you are prompted to confirm the deletion. 
  5. Click Delete Files.
  6. Click OK when you are prompted to confirm the deletion.
  7. Under History, click Clear History.
  8. Click Yes when you are prompted to delete your history of visited Web sites.
  9. Click OK.

 
Delete Temporary Internet Files

 

Step 3 

Check Scripting

  1. Start Internet Explorer. 
  2. On the Tools menu, click Internet Options, and then
  3. Click on Security Tab
  4. Click on Custom Level
  5. Scroll down until you see Scripting, make sure scripting is enable.
  6. Click on OK

 
Check Scripting

 


Confirm it is enabled



Results should look like this

 

Step 4

Next change to the Privacy tab. This is where we will set your browser to accept cookies from XpressLink.

  1. Start Internet Explorer.
  2. On the Tools menu, click Internet Options, and then
  3. Click on Privacy Tab
  4. Click on Advanced
  5. Place a check in the box next to Override automatic cookie handling and place a check in the box next to Always allow session cookies  (Only works on Internet Explorer Version 6.0)
  6. Next press the Sites button on the Privacy tab page. Here you can  add both elgacu.com and secure-elgacu.com to your Sites list. This will ensure that you will always accept cookies from ELGA. (see Site Cookies picture at the right)

 
Privacy Tab

 


Allow Session Cookies

 


Site Cookies

 

Step 5

It may also be necessary to clear the Secure Sockets Layer (SSL) slate and Auto-Complete history.  To do this follow the directions below:

  1. Click the Content tab.
  2. Under Certificates, click Clear SSL Slate.
  3. Click OK when you receive the message that the SSL cache was successfully cleared.
  4. Under Personal information, click AutoComplete.
  5. Under Clear AutoComplete history, click Clear Forms. Click OK when you are prompted to confirm the operation.
  6. Click Clear Passwords. Click OK when you are prompted to clear all previously saved passwords, and then click OK two more times.


 


 

 

And Last

  • Check any Third-Party Firewall or Antivirus Programs (optional).
  •  Make sure that third-party firewall or antivirus programs that are installed on your computer are
     configured correctly and are not preventing you from connecting to secure Web sites.
  • For more information, see the product documentation or contact the program vendor.
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 Xpress Link works well with Mozilla's Firefox browser. We have had experiance where the Microsoft browser appears to have a problem that none of the settings would resolve. Moving to the Firefox browser resolved the problem. FireFox is a free download direct from the Mozilla Firefox website.

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 You may tell your browser to request a fresh page and not use the cache by pressing and holding down your LEFT Shift keyboard button while clicking the browser Refresh button. This works with Microsoft Internet Explorer and Firefox. (Note: This function ONLY works with the Left Shift keyboard button)

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  If you use a spam control system on your email you may need to add XpressLink@elgacu.com to your whitelist.  You might consider adding "@elgacu.com" without the quotes to allow ALL email from ELGA.

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If you still have problems after reading this FAQ please call us at 810-715-3542

 

 

This page last updated on: 4/16/2007 6:52 pm


ELGA Credit Union