• Standard encryption (40-bit or 56-bit) – means there are 240 or 256 possible keys that could fit into the lock that holds your account information but only one that works for each Online Banking session. So there are many billions of possible keys that could potentially get to your account information – but only one that works each time you bank online.
• "High" or "strong" encryption (128-bit) – means there are 2128 (if you were to write the number down it would be 3.4 with 38 zeroes after it) possible keys that could fit into the lock that holds your account information, but only one that works for each Online Banking session. 128 bit encryption is a septillion times more secure than any other product. So a hacker attempting to get to your account information would need to use a whole serious of super computers connected together working for several years in order to find the one key to your 20 minute banking session.

Currently to access Online Banking, the primary owner will set up the account with a User ID and Passcode. If the primary owner would like a joint owner to have access, they will need to share thier User ID and Passcode for this account.

The Expanded View offers the following:

You can read HTML documents that reside somewhere on the Internet or on your local hard drive with a software prgram called a web browser. Web browsers read HTML documents and display them as formatted presentations, with any associated graphics, sound, and video, on a computer screen.

Web pages can contain hypertext links to other places within the same document, to other documents at the same website, or to documents at other websites. They can also contain fill-in forms, photos, large clickable images , sounds, and videos for downloading.

This regulation sets uniform requirements for financial institutions which offer transaction accounts. Reserves are normally maintained in the form of cash on hand and deposits at the Federal Reserve Bank. Transaction accounts include Share Draft accounts and accounts which allow pre-authorized or telephone transfers such as Share Savings or Money Market accounts, if you have made more than 6 transfers (up to 3 by Check , Debit Card, or through Online Banking) within a month. Transfers under this restriction do not include those made to pay loans at the credit union, initiated by mail, ATM,or in person.

Fast 24-hour Online Access. You can update the information online through our secure Online Banking site. Just log on as you usually do, select the "My Profile" tab and then the "Primary Email" tab. And, if you’re not using Ent Online Banking, just call us at (719) 574-1100 or 1-800-525-9623. We’ll be happy to update your address information and get you set up with anytime access to your accounts.

If you need to update the starting check number or if the name and address information printed on the checks needs to be updated, please call (719) 574-1100 or 1-800-525-9623.

Pending Transactions
Pending transactions are transactions that have not yet posted to your Account. Some Pending transactions immediately impact your available balance, such as Debit Card transactions that require a signature, and other Pending transactions display but do not yet impact the available balance, such as ACH transactions.

As you review your Account, please be aware that some Pending transactions can appear (impacting your available balance) and disappear (without posting). These transactions are usually holds that merchants, such as gas stations, place on your Account until their transaction posts.

If you have additional questions, or if you would like to find out more about your Protection Plus Password or “Identity Theft” click here, stop by an Ent Service Center or call us at 719-574-1100 or 800-525-9623. You may also set up your Protection Plus Password online by logging on to Online Banking, choosing the “Services” menu option and the Protection Plus Password option located on the left hand menu.

To activate Verified by Visa for your Ent Debit Card, or to learn more, click here.

Federal regulations do not allow individual members to opt out of this security feature.

The Credit Union may establish or change cut-off times for the receipt and processing of funds transfers, amendments or cancellations. Unless other times are posted for various types of funds transfers, the cut-off-time will be at 3:00 p.m. Mountain Time Monday through Friday which is not a Federal Reserve Bank holiday.