Digital Banking FAQs

You can easily make loan payments online — with or without a CCFBank checking or savings account!

If you already have a CCFBank checking or savings account and are enrolled in online banking, making your loan payment is as simple as logging into your online banking account. You even have the option to set up recurring payments, so you never need to worry about missing a payment!

Making a loan payment takes just a few minutes if you don’t have a checking or savings account with CCFBank. To get started, all you need is your CCFBank loan account number, the last six digits of your social security number, and your debit card or depository account information. Visit the homepage of the CCFBank website and click the “Log In” button at the top of the screen. When the Online Banking login screen pops up, click the link “MAKE A LOAN PAYMENT.” You have the option to make a one-time payment as a guest or a registered user. Registered users have access to additional functionalities including recurring payments and online payment history.

To do this, please contact our Client Support Center at 800-590-9920.

Yes, the Mobile Banking App and CCFBank Mobile Deposit services utilize best practices from online banking, such as HTTPS, 128-bit multi-layer encryption, password or multi-factor authentication access, and application time-out when your phone is not in use. In addition, no account data is ever stored on your phone and if your phone is lost or stolen, access to your accounts can be disabled by calling the Customer Service Department at 800-590-9920.

We also recommend the following tips to increase Mobile Banking/Capture security:

• Lock your device with a password or PIN when it is not in use.
• Do not store personal information including your Access IDs and passwords on your phone or send them via email or text messages which could be intercepted
• Only download applications from trusted sources. Make sure to download updates regularly, as updates often fix security flaws.
• Do not enter personal information unless there is an “s” after http, which indicates the site is secure. Also look for security symbols like the lock icon.
• Do not bank or shop online when using unsecured, public Wi-Fi access.
• Do not click on any links in emails claiming to be from CCFBank. Instead go to the Bank website directly and log in.
• Always log off completely after using Mobile Banking.

No. Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones (e.g., Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.

You can access any account you have set up in online banking. You select which accounts you want to access using Mobile Banking during the enrollment process.

• Savings Bonds, Money Orders, Travelers Checks, Rebate Checks, and Cashiers Checks;
• Checks or items that are drawn or otherwise issued by the U.S. Treasury Department;
• Checks payable to non-accountholder or entity;
• Checks that are altered, suspicious or fraudulent;
• Checks payable jointly, unless deposited into an account in the name of all payees;
• Checks drawn on a financial institution located outside the United States;
• Checks not payable in United States currency;
• Checks dated more than six (6) months prior to the date of deposit; and
• Checks that are post-dated.

A complete list of prohibited items can be found in the Mobile Deposit Service Agreement.

When you log onto your CCFBank Mobile app, click on the “Deposits” tab, click on “View Deposit History” you will be able to see all pending, accepted and failed deposits. Pending deposits have been received but not processed. Accepted deposits have been received and processed.

You can also sign up for eAlerts, and request an alert be sent to you by text or email when a deposit has posted to your account. For more information on eAlerts, click here.

After the mobile deposit has successfully completed, the image of the check can be accessed from a mobile device up to 30 days by following these steps:

• Login to CCFBank Mobile Banking app;
• Select “Deposit” option from the Main Menu;
• Click on the “Transactions” option on the Deposit or Review Checks” screen, which will take you to a list of recent mobile deposits;
• Click on the specific transaction to see the check images.

NOTE: You cannot view the images of checks deposited via Mobile Deposit in the Account Transaction History

If the check image is no longer available on the mobile device; call the Customer Service Department at 800-590-9920 to request a copy of the check image.

Upon the receipt of confirmation from CCFBank that we have received an image that you have transmitted, you agree to retain the check for at least thirty (30) calendar days from the date of the image transmission. After thirty (30) days, you agree to destroy the check that you transmitted as an image, mark it “VOID”, or otherwise render it incapable of further transmission, deposit, or presentment. During the time the retained check is available, you agree to keep it in a secure location and promptly provide it to the Bank upon request.

To reset your Mobile App password:
1. Launch the CCFBank Mobile app on your device.
2. On the sign-in screen, tap Forgotten Password? below the login information.
3. You will be asked for the following information:

• The last four digits of your Social Security Number
• Your Access ID
• Your e-mail address

4. You will need to use the temporary password within 30 minutes to sign in, otherwise the password will expire.
5. Once you login, you will be asked to reset your password.

Note: For security purposes, after processing password changes or enrollment completion, the program signs the user out, and the user must sign in again. If you continue to have issues accessing Mobile banking, please call our Customer Service Center at 1-800-590-9920

To reset your Online Banking password:
Click the LOG IN button in the top righthand corner of our website
1. Once you’re on the Online Banking Login screen,

• Enter your Access ID
• Enter an invalid password, by doing this, you can access the next screen that will enable you to change your password

2. Click Forgot Password? located next to the gray Log in box
3. You will be asked for the following information:

• Your Username
• The last four digits of your Social Security Number
• Your e-mail address

4. You will need to use the temporary password within 30 minutes to sign in, otherwise the password will expire.
5. Once you login, you will be asked to reset your password.

Note: For security purposes, after processing password changes or enrollment completion, the program signs the user out, and the user must sign in again.

You may have inadvertently entered your Access ID, Password or security questions incorrectly. Make sure you are using the correct Access ID and Password, as these are case sensitive. After three incorrect attempts, this will cause you to be locked out.

Using the Forgot Password link will unlock your online account: If you know your Access ID and your e-mail address on file with the bank is current, you can click on the “Forgot Password” link, enter your Access ID and an e-mail with your password will be sent to you. This will unlock your account.