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Online Banking Help

 

Within Online Banking you can view your eStatements, change your address, change your password, order a copy of a paid check, reorder checks, request a stop payment, apply for a loan and more.  Online Banking can also be customized to fit your needs:

 

 

 

Online Banking Viewing

Recommended web browsers:

  • Internet Explorer 9.0+ ( if there is a choice of 32 or 64 bit, use the 32 bit browser.)

    PLEASE NOTE: Internet Explorer 8 is no longer supported by Microsoft and is no longer a secure browser

  • Firefox 28+
  • Chrome 34+
  • Safari 5.17+
  • Opera 12.16+

Recommended OS

  • Windows 8, Windows 7

    Windows XP and Office 2003 are no longer supported by Microsoft.

  • The most common version of AppleMAC OSX,  including IOS7 for the mobile app.
  • We also support Android on the mobile app side.

 

Internet Explorer Users

If you are unable to access 3rd party applications (Bill Pay, MoneyDesktop, My Credit Score, Altra Mobile Deposit.) using Internet Explorer, change browser setting to “Accept Third-Party Cookies”. If you continue using IE 8, you will need to access Money Desktop through another browser such as Chrome, Firefox or Safari.

  1. Go to: Tools > Internet Options > Privacy > Advanced
  2.  Under Third-Party cookies choose "Accept"

Safari / Mac Users

To access 3rd party applications (Bill Pay, eStatements, MoneyDesktop), change your browser settings to "Never Block Cookies".

  1. Go to Menu  (top of page)
  2. Choose Preferences... item in the menu - a new window opens
  3. Click the Privacy icon near the top of the window.
  4. Under Block Cookies select the "Never" option.
  5. Save changes by clicking OK

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Change User ID and/or Password

Change User ID

You may personalize your User ID within Online Banking by clicking on the ‘User Options’ tab and then ‘User ID.’ User ID's must be 5 to 25 letters and/or numbers.

 

Change Password

You may change your online banking password at any time. For security purposes, it is recommended you change your password every six months. Passwords must be 8-25 characters in length and use a combination of numbers and letters or symbols. Passwords must not include your social security number, your account number or be one of your three previous passwords. Remember, passwords are case-sensitive! 

To change your password

1. Click on the User Options link.

2. Click on Change Password.

3. Enter your current password in the “Old Password” field.

4. Enter a new password in the “New Password” field Must be 8 to 25 characters

  • Must contain both letters and numbers
  • May contain special characters or symbols
  • Cannot be your TIN or Altra account number
  • Cannot be any of your 3 previous passwords

5. Re-enter New Password, then click “Submit”.

IMPORTANT:We do not have access to your password. In the case of a forgotten password, please use our password reset tool or contact us to reset your password.

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Accounts

Account Summary

Get up-to-the-minute account balances, loan balances and account histories on the account summary page, and view 90-days of payment and transaction history. While under the Account tab and sub-tabs, you may click the Printer Friendly button in the upper right-hand corner. This creates a page formatted specifically for printing.

 

Pending Transactions and Deposits

View pending transactions to your checking account. A pending transaction is a type of “hold” on your account that affects your available balance. Your account balance can often differ from your available balance due to a pending transaction or “hold” on your account. For example, gas stations often “hold” up to $75 or more from your account when you fill up even though your final transaction amount may only be $30. That gas station transaction will eventually clear your account for $30 but they “hold” the funds from your available balance until the transaction clears. Regularly viewing your pending transactions may help you avoid unexpected overdraft fees.

 

Export

Online Banking offers the ability to download your account information. Easily export account information directly into your personal financial management software or export to a Comma Separated Value (CSV) file.

Quicken Setup

  • Choose "Altra Federal CU" as the institution when you activate your accounts in Quicken. 
  • Do not choose "Altra Federal Credit Union", you will be connecting to a deactivated account.

 

Loan Summary 

The Loan Summary section displays a general overview of your loans, including the loan title, type, balance, available balance, rate, payment and the due date. To view the details of your loan, click on the loan title name. Your current transaction activity will then be displayed.

You may also view up to three months of your account history by going to the Next History Date Range, selecting dates using the fields provided and clicking More History. 

 

Credit Cards

The Credit Card section displays an overview of your credit card accounts.
To view the details:

  1. Click the credit card link (shown as the last 4 digits of card number) in the Credit Card section of the summary page.
  2. Click the "Make Payment / Card Details" button at bottom of page. You will then be taken to a separate screen where you can view transaction history, make payments, view your statement, add or remove a card on your account, and more. 

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Bill Pay & eBills

Bill Pay

Our free Bill Pay system works just like an online checkbook. You control what bills are paid, payment date, and amount paid.  Set up one time or recurring payments, expedite payments, send money online to another person with just an email address, or edit payments as needed – nothing comes out of your account until you say so.

To set up Bill Pay, click the Bill Pay tab within online banking, then accept the Agreement. You will be able to begin paying bills immediately. If you receive a message stating, “Your Application Is Pending, Please Check Back Later", please contact Altra at 800-755-0055. 

 

eBill (Electronic Bill Presentment)

You can have your bills sent directly to Altra Online Bill Pay electronically! View, print, and pay bills securely within Online Banking and get up to 12 months of billing and payment history. To enroll, click the "enroll in eBill" link below each bill payee listed on your Bill Pay account.

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Altra Mobile Deposit

Use your smart phone or tablet to transmit check images for deposit. No need to mail or visit a branch, the image of your check will cleared in seconds and deposited into your account.
Get details on Altra Mobile Deposit.

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Transfers

Account Transfer

It’s easy to transfer money between your credit union accounts (savings, checking or loans). All of your Online Banking transactions are secure and you receive a transfer confirmation number for your records.

The completion of a transfer is subject to the availability of sufficient funds in the account you are transferring from. If you do not have sufficient funds, the transaction will not be completed.

To transfer funds: 

  1. Click on Accounts tab.
  2. Click on the Transfer Funds sub-tab.
  3. Enter the amount you’d like to transfer in the field provided. Do not include dollar signs or commas.
  4. Select the account you would like to transfer from (only eligible accounts will appear).
  5. Select the account you would like to transfer to (only eligible accounts will appear). If you are transferring funds to a different member number, their eligible accounts will be displayed next to their member number.
  6. Click on Transfer Funds.

 

Scheduled Transfers 

You can schedule a transfer to occur at a certain date and time in the future. You can set up the transfer to happen once, or on a reoccurring basis. To view or modify the scheduled transfers that you have set up for your account, click the Accounts tab and select Scheduled Transfers. 

To Add a new scheduled transfer: 

  1. Click the Accounts tab and select Scheduled Transfers.
  2. Click Add New Scheduled Transfer link

To view the scheduled transfers for the current month: 

  1. Click the Accounts tab and select Scheduled Transfers.
  2. Click on View Current Schedule

To view the next or previous months transfers

  1. Click the Accounts tab and select Scheduled Transfers.
  2. Click the “Prev Month” or “Next Month” links

To view a list of all scheduled transfers ordered by the next transfer date: 

  1. Click the Accounts tab and select Scheduled Transfers.
  2. Click on View by Next Transfer Date

To edit or delete a scheduled transfer

  1. Click the Accounts tab and select Scheduled Transfers
  2. Click on View Edit Current schedule
  3. Click on the description of the transfer (highlighted in blue)
  4. Select the edit or delete option

 

Cross-Account Transfers

 If you have a cross-account transfer set up, you may also transfer funds to another member's account or account number. 
Click here for the quick steps to make cross-account transfers.

 

External Account Transfers / Linked Accounts

You can add account to account transfers using the external accounts menu item. This will allow you to transfer or receive money to a different account at a different financial institution. 

To link to another account: 
  1. Click on Accounts tab and select External Accounts sub-tab.
  2. Select Financial Institution Account in the account type drop down.
  3. Add the financial institution information in the text boxes below the drop down. 
  4. Click Add Account.
  5. Confirm the financial institution information.

Please note: In order to complete the verification process, you will have two small transactions that will be transferred to the external account. The amount of the transactions will need to be verified. Once you identify these transactions, you will return to the external accounts page and press "complete verification". If the amounts entered match the amounts of the transactions, then the account will be enabled for external funds transfers. 

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Statements

eStatements

Your monthly account statement can be viewed online! At the touch of your fingertips and in a secure environment, you have access to your monthly account statement including a 90 day history. Plus you save both time and money by receiving your statement electronically instead of by mail. By choosing to view your statement online, you help us save paper, postage and other natural resources.

Set Up eStatements
Click on eStatements within the Online Services tab. Verify your email address then click ‘I Consent’ at the bottom of the eStatement Sign-up. You will receive a message stating that your account is currently being set-up. If you are unable to view the eStatement page by the next day, please contact Altra at 800-755-0055.

 

eNotices

When you register for eStatements, you consent to receive your periodic account statements and other notices online through our eStatement service. We will send you an e-mail whenever your monthly statement, account notice, or tax form is available for review, as well as a link to our website to access and view these documents.

 

Credit Card eStatement

To view your credit card eStatement:

  1. Click the credit card link (shown as the last 4 digits of card number) in the Credit Card section of the summary page.
  2. Click the "Make Payment / Card Details" button at bottom of page. You will then be taken to a separate screen where you can view transaction history, make payments, view your statement, add or remove a card on your account, and more. 

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Online Services

E-Statements

Once you have set up your Altra Online Banking account, you will receive an email notification that your account statement, loan notices, end-of-year tax notices, etc, are ready for you to view, print, or download securely from our website.

Click to view eStatement FAQ

 

Check Copy

You many request a copy of a paid check that does not appear on your E-Statement. Your check will be mailed within 10 business days to the address on the account. Please be sure to verify your address by going to "Online Services" and clicking on "Address/Phone Number." Your account will be charged for any applicable fees. If your check cleared over 90 days ago, there will be an additional statement copy fee. 

To request a copy of a paid check: 

  1. Click on the Online Services tab.
  2. Click on Check Copy.
  3. Enter the amount the check was written for. Do not include dollar signs or commas.
  4. Enter the check number.
  5. Enter the date the check cleared (month/day/year).
  6. Click on Submit to request a copy of the check.

 

Check reorder

You may place an order for a new check supply online so long as there are no changes to the address or check style that you’ve previously ordered through The credit union. If your address has changed since your last order of checks, you will need to visit a branch or mail your order form in with any corrections. If you proceed to order checks through this service, the checks will be printed with the same address as your last order. If any other personal information has changed, please contact the credit union directly. 

To order a new check supply: 

  1. Click on the Online Services tab.
  2. Click on Check Reorder and follow the onscreen instructions.

 

Direct Deposit Information

To look up routing number and MICR number:

  1. Click on the Online Services tab.
  2. Click on Direct Deposit Information.
  3. This page requires authentication. Select either Security-code or Multi-factor (MFA).
  4. Enter account number.
  5. Click Submit.

Once verification is complete, your direct deposit information will appear. Use this on any applicable forms in which you are enrolling for Direct Deposit into this account.

 

Stop Payment

You may place a stop payment on personal checks or transactions online. If you need to place a stop payment on an electronic check, please visit your nearest branch location or contact the credit union. A stop payment fee of $32.00 will be deducted from your account for each stop payment request made. The request will be valid for 6 months after the date of the request. Please note: Stop payments on checks are not guaranteed until 48 hours after the date of request. 

To request a stop payment on a single check: 

  1. Click on the Online Services tab.
  2. Click on Stop Payment on a Check.
  3. Select “Place stop payment on the following account.”
  4. Select the account you would like to stop a payment on.
  5. Select the account you would like the stop payment fee to be taken from.
  6. Click Continue.
  7. Enter the number of the check.
  8. Select a reason for the stop payment request from the drop-down menu.
  9. Click Continue and you will receive a confirmation that your stop payment has been placed.

To request a stop payment on range of checks: 

  1. Click on the Online Services tab.
  2. Click on Stop Payment on a Check.
  3. Select "Place stop payment on the following account."
  4. Select the account you would like to stop a payment on.
  5. Select the account you would like the stop fee payment to be taken from.
  6. Click Continue.
  7. Enter the beginning check number and ending check number for the checks you would like to stop.
  8. Select a reason for the stop payment request from the drop-down menu. 
  9. Click Continue and you will receive a confirmation that your stop payment has been placed.

If you would like to view existing stop payment requests: 

  1. Click on the Online Services tab.
  2. Click on Stop Payment on a Check.
  3. Select "Review existing stop payments from the following account."
  4. Click Continue.
  5. A table listing all of your stop payments will be displayed.

 

Account Alert

Sign-up for important alerts delivered directly to your mobile phone or e-mail. This free service lets you set up your own personalized alerts customized to your preference.

 

Lost or Stolen Credit Card

Important numbers and contact information for lost or stolen Credit Cards.
Learn more about what to do if your credit card is lost or stolen.

 

New Sub Account

Click the New Account tab and select New Sub Account. Choose the details for the new sub account you would like to open: 

  1. Select the best time to call.
  2. Select the account type.
  3. Enter an account description.
  4. Set the amount of the initial deposit into the account.
  5. Choose where to transfer the initial deposit from.
  6. Click Preview New Sub account.
  7. If you are happy with the setup you have chosen, click Add New Sub account.

 

Open Certificate

Click the New Account tab and select Open Certificate. Choose the details for the new certificate you would like to open: 

  1. Select the best time to call.
  2. Select the certificate type.
  3. Choose where to transfer the deposit from.
  4. Set the amount of the deposit
  5. Click Preview Open Certificate.
  6. If you are happy with the setup you have chosen, click Add CD Purchase.

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User Options

Address/Phone Number

Update your address and phone number(s) on file at any time. If you have multiple accounts with us, you will need to update your contact information with each account separately. If you have a Visa® account with us, your address and phone number(s) will be updated automatically. Please note: Foreign addresses and phone numbers cannot be updated online. 

To update your address and/or phone number: 

  1. Click on the User Options link.
  2. Click on the Address/Phone Number tab.
  3. Enter your updated address and phone number(s) in the appropriate fields provided. Please do not use any symbols or special characters.
  4. Click Submit and you will receive a confirmation that your information has been updated.

 

Change User ID/Password

Click for more information

 

Change E-mail Address

This online form allows you to view/update your e-mail address. Your e-mail address will be used for E-Statement notifications and to provide you with product or service information that may be a potential benefit. Please refer to our Privacy Policy for more information. 

To change your e-mail address: 

  1. Click on the User Options link.
  2. Click on E-mail Address.
  3. Enter your updated e-mail address in the field provided.
  4. Click Submit and you will receive a confirmation that your e-mail address has been updated.

To remove your e-mail address from our mailing list: 

  1. Click on the User Options link.
  2. Click on E-mail Address.
  3. Check the box “Please remove my E-mail address from the mailing list.”
  4. Click Submit and you will receive a confirmation that your e-mail address has been updated.

 

Change History Date Range

The Change History Date Range allows you to select what account history dates you would like to have displayed. By default, only the current month’s history is displayed.

To change your history date range: 

  1. Click on the User Options link.
  2. Click on History Date Range.
  3. Select a date range by selecting one of the date range descriptions.
  4. Click on Change Date Range to save your changes.

 

Change Your Timeout 

The Change Your Timeout feature allows you to set the number of minutes of inactivity in your Online Banking session before the system automatically logs you out. 

To change your timeout: 

  1. Click on the User Options link.
  2. Click on Timeout.
  3. Select the number of minutes from the drop-down menu.
  4. Click on Change Timeout to save your changes.

 

Create Account Nickname 

Personalize the account names that are displayed in home banking for easier recognition. 

To create or update an account nickname: 

  1. Click on the User Options link.
  2. Click on Account Nicknames.
  3. Modify your account nickname in the field provided to the right of the account name.
  4. Click on Submit to save your changes.
  5. To restore the system default name, delete the nickname from the provided field and click on Submit to save your changes.

 

Change Font Size 

Change the size of the font that displays for you during your Online Banking session. Click on the Font Size "letter" you prefer in the top right corner of the page, or

  1. Click on User Options link.
  2. Click on Change Font Size
  3. Choose the size you prefer in the drop down box
  4. Click on Submit to save your changes

 

Overdraft Privilege & Reg E (Courtesy Pay)

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. With Overdraft Privilege, we will charge you a fee of $32 each time we pay an overdraft. To select this option, choose User Options and select NSF disclosure.

 

Scheduled Transfers 

You can schedule a transfer to occur at a certain date and time in the future. You can set up the transfer to happen once, or on a reoccurring basis. To view or modify the scheduled transfers that you have set up for your account, click the Accounts tab and select Scheduled Transfers. 

To view the scheduled transfers for the current month: 

  1. Click on View Current Schedule
  2. To view the next or previous months transfers, click the “Prev Month” or “Next Month” links
  3. To edit the transfer, click the transfer you wish to modify

To view a list of all scheduled transfers ordered by the next transfer date: 

  1. Click on View by Next Transfer Date
  2. To edit the transfer, click the transfer you wish to modify

To Add a new scheduled transfer: 

  1. Click the Add New Scheduled Transfer link or 
  2. Click Accounts and select Transfer then click the Schedule a Transfer Button 

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Mobile Services

Mobile apps

Altra Mobile apps are available for Android, iPhone or iPad. Search for "Altra Mobile" in iTunes or Google Play. 
Get Mobile app setup instructions. 

 

Mobile Banking

If you prefer to use your phone’s web browser, you can visit www.m.altraonline.org.  Altra Mobile Banking is free to members who use Online Banking; sign in using your Online Banking username and password.  Click for details about Mobile Banking.

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Troubleshooting

Error Messages 

To show us the exact error message that you are receiving, display the error message on your screen then press Print Screen on your computer’s keyboard. This will transfer the image to your clipboard which can then be pasted into a Word document or other application. 

When experiencing an error message, try the following steps before contacting Altra: 

  1. Clear the browser cache, reload, or refresh (Ctrl + F5)
  2. Log out of Online Banking and close the browser.
  3. Retry.

After trying this and you still continue to receive the error message, please contact Altra. When reporting problems to us, please have as much information ready as possible (e.g. when the problem occurred, browser version, etc.).

 

Common Error Messages

The following errors may occur when accessing Online Banking: 

  • Account verification error. 
    Your password is incorrect. Verify the password and re-enter it. Check to make sure the Caps Lock is not on. Passwords are case-sensitive; the Caps Lock may alter the way your password is being entered.
  • The account has been locked. 
    You have had too many invalid login attempts. As a security measure, Online Banking will allow three invalid password attempts and will lock out the account on the fourth try. To reset your password, please use our password reset tool or contact us for assistance. 
  • We’re sorry, we are unable to process your request at this time. 
    Online Banking is temporarily down for system maintenance. Try again periodically. If the message is displayed repeatedly, contact us.

 

Unsuccessful Transfer(s)

If a transfer is unsuccessful you will be given a reference number. You may email us at info@altra.org and a Member Contact Specialist will assist you in finding out why your transfer was not successful. 

 

Unsuccessful Quicken download

To export your transactions, click on the Accounts  tab, then click on Export. 

  1. Choose the account and the dates you would like to export history for.
  2. Select Quicken as your Export format, and click the Download Data button. Do this for each account you wish to export.
  3. Open Quicken. The exported history items will be automatically uploaded.

 

Session Time Out

We suggest that you increase the time limit on your connection with us. Click on “User Options"  and then select “Change Your Timeout.” 

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Contact Us

Our Member Contact Center and Live Chat are available Monday through Friday, 7:30 a.m. – 6:00 p.m. CST to assist you. If your email was received before 3:00 p.m. on a business day, you can expect a reply that day. If your e-mail was received after 3:00 p.m. CST, you will receive a reply as soon as possible on the next business day.

View Messages 
View any messages you have sent us through our secure message system, or any responses to the messages you have sent. 

Send a New Message 
Send a message through our secure system to contact us with your specific questions. 

Telephone Numbers 
Contact us directly through our Member Contact Center.

Find a Branch 
Altra Federal Credit Union has branches in Arkansas, Colorado, Kentucky, Minnesota, New Jersey, Tennessee, Texas, and Wisconsin.

Live Chat
Click the Live Chat button at the top of the online banking page to chat  with an Altra Member Contact Specialist who will respond to your questions in real time.

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