General Questions:

1. How much does it cost to use WinOnLine?

2. Exactly what equipment and software do I need to access the WinOnLine Internet Banking and Bill Payment Service?

3. I have a Mac computer – Can I use WinOnLine?

4. Is the Internet safe and secure for online banking?

5. Can anyone else see my account information? Is it out in the public domain?

6. Can WinOnLine remember my Sign-On ID and Password?

7. What if WinOnLine goes down?  Will my payments be made, will my transfers be completed?

8. What types of accounts can be linked to and are accessible through WinOnLine?

9. How do I add an account to WinOnLine after my original WinOnLine Enrollment?

10. How do I customize the name of an account on the “Accounts” page to suit my purposes?

11. How current is my account information using WinOnLine?

12. How do I update my transaction history to account for transactions that do not post to my account immediately such as manual checks, foreign ATM transactions or debit card purchases?

13. How do I view the image of a check that has been paid?

14. Can I have more than one checking account linked to WinOnLine and therefore pay bills from multiple checking accounts?

15. How should “dba” businesses and “organizations” be enrolled in WinOnLine?

16. What other services does WinOnLine offer besides Account Balances, Online Register, Online Transfers, Check Images and Bill Payments?

17. What functions can be completed using the main menu button entitled “Options”?

18. I can view other areas of the Windsor Federal Savings website, but I can’t connect to WinOnLine.  What’s wrong?

19. Who can I call or contact if I have a question that is not addressed in these FAQs (Frequently Asked Questions)?

 Transfer of Funds Questions:

20. What transactions can be completed using the main menu option entitled  “Transfer Funds”?

21. Why can’t I use WinOnLine to transfer funds from my passbook savings account?

22. What is the “Transfer Funds” cut-off time?  What about recurring transfers?

23. How many transfers per statement cycle can I make from my checking, statement savings or money market accounts?

24. Can I see the due date for my next loan payment and the amount due?

25. I have already set up automatic transfer instructions through a Windsor Federal Savings branch office.  Can I edit or cancel these instructions using WinOnLine?

 Bill Pay Questions:

26. How much does it cost to use the WinOnLine Bill Payment Service?

27. Will I be charged any fees if I don’t make any payments during a calendar month or a statement cycle?

28. How do I stop my access to the WinOnLine Bill Payment Service?

29. What if I don’t sign up for the WinOnLine Bill Payment Service initially and later decide that I want to sign up?

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

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

32. When I schedule a bill payment, should the date that I enter into the WinOnLine Bill Payment Service be the date the payment is actually due?

33. When do future-dated payments and bill payments created on weekends and holidays get deducted from my account and processed?

34. What is the WinOnLine Payment Guarantee?

35. How will the bill payments be made?

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

37. How do I make a bill payment as quickly as possible?

38. What is the cut-off time for processing a bill payment?

39. What if I make an error in a bill payment request?  How do I change the amount, the payee or cancel the entire transaction?

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

41. How can I prove that I submitted or scheduled payments and transfers through WinOnLine?

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

43. Can I make a bill payment from a line of credit account such as a home equity line of credit?

44. When are the Bank holidays?

eDocument Questions:

45. What is the eDocument Delivery Service and how will it benefit me?

46. Is there a fee for the eDocument Delivery Service?

47. Is the eDocument Delivery Service secure?

48. How do I enroll in the eDocument Delivery Service?

49. What does enrollment in the eDocument Delivery Service mean?

50. In order to utilize the eDocument Delivery Service, must all of my "primary" statement accounts appearing on the WinOnLine "Accounts" page be enrolled in the eDocument Delivery Service?

51. How can I determine which accounts are "primary" statement accounts enrolled in the eDocument Delivery Service?

52. If I would like to receive paper statements instead of eDocuments for some but not all of my primary statement account(s) in WinOnLine, while still retaining the ability to access these accounts online in order to obtain account balances, review account transaction activity, view images of paid checks, transfer funds and/or pay bills online, what do I do?

53. If I have previously enrolled in the eDocument Delivery Service but for any reason, I wish to cancel my use of this Service and instead receive paper statements via postal mail for all of my primary statement accounts, how do I make this request?

54. What types of eDocuments will be available through the eDocument Delivery Service?

55. How many months of account statements and, if applicable, images of paid checks will be available through the eDocument Delivery Service?

56. Will I be notified when an account statement is available through the eDocument Delivery Service?

57. How do I update my email address in WinOnLine and the eDocument Delivery Service, in order for my “Your Statement is Ready” emails to be delivered to the correct email address?

58. Can I access images of paid checks from my account statement in the eDocument Delivery Service or do I need to return to the “Register” in WinOnLine in order to access these images?

59. How can I print a paper version of my account statements and images of my paid checks from the eDocument Delivery Service?

60. How can I save my account statements to my computer?

61. How can I save images of my paid checks?

62. I store my eDocuments in a folder on my computer's hard drive. Due to a problem with my computer, I have lost the files on my hard drive. How can I retrieve copies of my past statements?

63. When I enroll in the eDocument Delivery Service, does the Bank retain copies of my account statement and images of my paid checks?

Compatibility with Financial Software:

64. How do I download to financial software?  I only see a Microsoft Money icon?

65. Does WinOnLine work with personal financial software such as Microsoft Money?

66. What is the Windsor Federal Savings ABA/routing transit number?

Frequently Asked Questions

General Questions:

Question #1

How much does it cost to use WinOnLine?

Answer:

The use of the WinOnLine Banking Service is Free!  This Service enables you to obtain account balances, review account transaction activity, access account statements, view images of paid checks, make real time transfers between checking, statement savings and money market accounts and make real time transfers to passbook savings or to make a loan payment.  In addition, the system offers an electronic check register, the ability to categorize income and expenses and a reports function that offers features usually found only in stand-alone financial software packages.  Also, you are able to communicate with WinOnLine Customer Service via secure e-mail and submit secure forms in order to complete routine banking applications and functions.

The use of the WinOnLine Bill Payment Service for bill payments paid from personal checking accounts is also Free!  This service entitles you to initiate bill payments from multiple checking accounts at no additional cost.  This is an exceptional value based on the convenience alone, but also consider that by using the WinOnLine Bill Payment Service, you will not only save time, but also the expense of stamps, envelopes and trips to the post office.

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Question #2

Exactly what equipment and software do I need to access the WinOnLine Internet Banking and Bill Payment Service?

Answer:

You will need an Internet Service Provider (ISP), a modem (the faster the better, but at least 28,800 baud or higher is recommended), and Browser software which supports 128-bit encryption, Secure Sockets Layer 3.0 (SSL).

For best results, we recommend Microsoft Internet Explorer 5.5 or higher or Netscape Navigator 4.7 or higher.  In all cases it is important that you be on the most recent release of whatever version you are on.  To find out if you are using a browser version that supports SSL: Open your Internet Explorer, go to “Help”, then “About Internet Explorer”.  Some information will appear.  You want to look for Cipher Strength.  In Netscape Navigator, go to a secure page then click on “View” in the main menu, then click on “Page Info”.  The level of encryption should be shown under “Security”.

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Question #3

I have a Mac computer – Can I use WinOnLine?

 Answer:

Yes, many of our customers are Macintosh users and do not experience service problems.  If you do experience problems, we will attempt to assist you, however, technically, WinOnLine does not support Macintosh users and we may not have a solution to a particular problem.  Unfortunately, Macintosh users who use AOL as their ISP will not be able to access WinOnLine.

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Question #4

Is the Internet safe and secure for online banking?

Answer:

Yes.  We use 128-bit encryption:  Secure Socket Layer 3.0 (SSL) for all communications including transactions and use of the “Mail Box” function within the system.  This is currently the highest level of security available for Internet transactions.

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Question #5

Can anyone else see my account information? Is it out in the public domain?

Answer:

No.  Your online account information is available through access methods that have been rigorously tested for security accessibility.  Only you can access your account information when you use the proper combination of your Sign-On ID and Password and have been authenticated by our Multi-Factor Authentication Solution which employs a combination of Digital Certificates and Challenge Questions.  Please be careful to keep all Sign-On and authentication information secure and always sign-off as soon as you have completed your WinOnLine transactions.

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Question #6

Can WinOnLine remember my Sign-On ID and Password?

Answer:

No.  For security reasons, WinOnLine will not remember a Sign-On ID or Password.  You will have to enter both these items each time you begin a session with WinOnLine.  To change your password, click on “Options” and follow the instructions.

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Question #7

What if WinOnLine goes down?  Will my payments be made, will my transfers be completed?

Answer:

If WinOnLine and all of our back up systems were to go down, you can be comfortable that any transaction that you completed 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 our Customer Service Center to ensure that your transaction request has been accepted.

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Question #8

What types of accounts can be linked to and are accessible through WinOnLine?

Answer:

You can link all of the accounts for which you have ownership rights to WinOnLine and thereby access all of these accounts through WinOnLine.  In addition, if you open accounts at a later date, you have the option of linking them to WinOnLine at any time.  Please note that balances and account histories will be available for all of these accounts, but that some types of accounts will be limited as to what transactions customers are able to complete online.

Checking Accounts
Savings Accounts
Money Market Accounts
Certificates of Deposit
Individual Retirement Accounts
Loans - All Accounts
Safe Deposit Boxes

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Question #9

How do I add an account to WinOnLine after my original WinOnLine Enrollment?

Answer:

Use the “Add Account” button on the “Accounts” page.  Complete the form and click “Continue” to submit your request.  This process will take no more than two business days.  When you see the new account appear on your “Accounts” page, you will know that it has been added and is ready to use with WinOnLine.  Do not re-enroll in order to add accounts.  If you have already enrolled as a WinOnLine user, but have not received your password yet, please wait until receiving this information before  requesting that accounts be added to WinOnLine by using the “Add Account” button. 

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Question #10

How do I customize the name of an account on the “Accounts” page to suit my purposes?

Answer:

Use the “Edit Account” button on the “Accounts” page to rename an account that is already linked to WinOnLine.  Complete the form and click “Continue” to submit your request.  This change will be effective immediately.  Please note that this will only rename your account on WinOnLine and will not affect the Bank’s main customer database.

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Question #11

How current is my account information using WinOnLine?

Answer:

All posted transactions are immediately viewable as WinOnLine is online/real time with the Bank’s main customer database.  Transactions such as transfers between two online accounts will update the main customer database immediately.  However, some transactions, such as foreign ATM and debit card transactions do not immediately post to your account upon completion. Therefore they are delayed in appearing in the main customer database and thus are also delayed in appearing on WinOnLine. 

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Question #12

How do I update my transaction history to account for transactions that do not post to my account immediately such as manual checks, foreign ATM transactions or debit card purchases?

Answer:

These items will appear on WinOnLine as soon as they are posted to the Bank’s main customer database.  If you would like to account for them before that time, from the main menu select the “Register” option and then click on the “Add Transaction” button at the top of the “Register” screen.  Be sure to enter the transaction information as precisely as possible.  When the actual transaction is presented to the Bank’s main customer database, WinOnLine will attempt to match the transaction to the entry you have made and therefore, it should not appear as a duplicate transaction.  If details on the added transaction such as the amount, differ from the actual transaction, the actual transaction will not overwrite the added transaction and in that case you will want to delete the added transaction manually.

Remember that foreign ATM and debit card transactions do not post to the Bank’s main customer database immediately and may take a few days to appear on your WinOnLine Register.  The number and dollar amount of items added using the “Add Transaction” button will appear in the “Pending Transactions” line at the top of the “Register”.  You have the option of having them appear in the “Register” by checking the “Show Pending Activity” box.

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Question #13

How do I view the image of a check that has been paid?

Answer:

WinOnLine provides you with access to images of checks that have cleared your checking and/or money market accounts. The image of the front of the check can be retrieved by selecting the Main Menu option “Register” and then in the “Num” column clicking on the check number. If you wish to retrieve the back of the check, click on “Back of the Check” underneath the check image.

In addition, if you sign up for eStatements, using the blue “eDocuments” button located in the middle of the main “Accounts” page of WinOnLine, you will have immediate access to a much more extensive archive that includes more than 3 ½ years of account statements including front and back images of all paid checks.  

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Question #14

Can I have more than one checking account linked to WinOnLine and therefore pay bills from multiple checking accounts?

Answer:

Yes.  All of your checking accounts can be linked to WinOnLine thus enabling you to pay bills from one or more of your checking accounts.  Please note that only checking accounts can be linked to the bill payment function and be used to process bill payment requests.

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Question #15

How should “dba” businesses and “organizations” be enrolled in WinOnLine?   

Answer:

Both “dba’s” and “organizations” should be enrolled as a “Business” in WinOnLine.

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Question #16

What other services does WinOnLine offer besides Account Balances, Online Register, Online Transfers, Check Images and Bill Payments?

Answer:

WinOnLine also offers “Secure Forms”.  If you would like to access a secure form, from the main menu select “Other Services” and you will be presented with a selection of “Secure Forms”.  Due to the fact that these forms are on a Sign-On ID and Password protected system, they can be used to request a variety of account services from Windsor Federal Savings without having to visit a branch office in person.  Please note that these forms represent requests only and will be processed during regular business hours on Bank business days.

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Question #17

What functions can be completed using the main menu button entitled “Options”?

Answer:

The main menu button “Options” enables you to change your WinOnLine password and/or update your email address at any time.  Using “Options” you can also establish a “Secret Question” that will enable you to retrieve your password if forgotten.  The “Secret Question” should be a question to which only you know the answer and you should enter this question and the appropriate answer into the areas provided in “Options”.  Then, if at any time in the future, you forget your password, simply go to the Windsor Federal Savings website (www.windsorfederal.com) and in the WinOnLine box in the upper right hand corner, click on the red “Forgot Password”.  You will then be prompted to enter your “Sign-On ID”.  If you enter the correct “Sign-On ID”, answer the “Secret Question” correctly and WinOnLine has your current email address on file, your password will be automatically emailed to you within 15 minutes.

“Options” enables you to change the number of lines of account information that you can view under the main menu button “Register” up to a maximum of 99 transactions per page by scrolling rather than loading additional pages.  Please note that the more information you request on any given page, the greater the amount of time the information takes to load to your computer.

“Options” enables you to change the background color of various areas within WinOnLine including the “Register”.

“Options” enables you to display your “Register” transactions by the posted date of the transaction, check/item # of the transaction or by the amount of the transaction.  Please note that selecting any sort order other than “Posted Date of Transaction” will cease the display of the running balance on your “Register”.

Also, in “Options”, you can change your “Register” to a two line display that enables you to view your category and memo information and you can change the number of days of account history that can be viewed in the “Register” up to a maximum of 90 days.  The default of 999 indicates that you would like to access all of your available information.  Changing this entry does not affect your transaction history, it simply changes the amount of data that is accessed during your online session.

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Question #18

I can view other areas of the Windsor Federal Savings website, but I can’t connect to WinOnLine.  What’s wrong?

Answer:

If you are able to view other areas of our website, but you are unable to access WinOnLine, it may indicate that you are having a problem accessing secured sites in general.  Both your browser and Internet Service Provider must support secured sites.  Refer to the requirements for using WinOnLine.  Using other browsers may also prevent access to WinOnLine.  Another reason that you might not be able to access WinOnLine is that your cookies may not be enabled.  In order to enter the secure encrypted site you must accept the cookies.

1. Click on Start.

2. Click on Settings.

3. Select Control Panel.

4. Click on the Internet Options icon.

5. Click on the tab marked Security.

6. Click on Custom Level.

7. Scroll down to cookies and click the radio button To Enable cookies for Internet Explorer 5.5; Netscape Navigator 4.7 or higher.

8. Open Explorer or Netscape

9. From edit menu, select Preferences

10. Click on Advanced

11. Under cookies select Accept all Cookies

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Question #19

Who can I call or contact if I have a question that is not addressed in these FAQs (Frequently Asked Questions)?

Answer:

Send a secure email using the “Mail Box” function in WinOnLine, call our Customer Service Department at (860) 688-8511 or call or visit any Windsor Federal Savings branch office during regular business hours. 

Main Office, 250 Broad Street, Windsor, CT  06095  (860)  688-8511
Granby Office, 1 Bank Street, Granby, CT 06035  (860)  653-4548 
North Central Square, 695 Poquonock Avenue, Windsor, CT 06095 (860) 298-6170
Wilson Office, 321 Windsor Avenue, Windsor, CT 06095  (860)  298-6172
Bloomfield Office, 48 Jerome Avenue, Bloomfield, CT 06002  (860) 242-6062

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“Transfer of Funds” Questions:

Question #20

What transactions can be completed using the main menu option entitled “Transfer Funds”?

Answer:

The main menu option “Transfer Funds” enables you to transfer funds between checking, statement savings and money market accounts and also to transfer funds from any of these types of accounts to a passbook savings account.  In addition, funds can be transferred from checking, statement savings and money market accounts to make a regular loan payment or to make a principal payment.  Please note that some types of loans may not be able to have payments applied through WinOnLine. 

The “Transfer Funds” option also enables you to transfer funds from a home equity line of credit to a checking, savings or money market account (minimum transfer $500).  You may also pay-down a home equity line of credit for any amount, even paying the balance down to zero without closing out the line of credit.

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Question #21

Why can’t I use WinOnLine to transfer funds from my passbook savings account?

Answer:

Passbook Savings Account terms require that the passbook be presented with any request for withdrawal.  Therefore, while WinOnLine does allow transfers to Passbook Savings Accounts, online transfers from these accounts are not permitted.

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Question #22

What is the “Transfer Funds” cut-off time?  What about recurring transfers?

Answer:

One-time transfers are processed immediately; there is no cut-off time.  Future-dated or recurring transfers are made at approximately 5:00 a.m. on the date requested.  If the future-dated or recurring transfer is scheduled to be processed on a weekend or a bank holiday, it will be done on either the business day prior to or after the scheduled date.  If the transfer is to be made on a Saturday, it will be processed on the previous Friday or business day; if the transfer is to be made on a Sunday, it will be processed on the Monday after or the next business day.

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Question #23

How many transfers per statement cycle can I make from my checking, statement savings or money market accounts?

Answer:

Transfers out of statement savings or money market accounts processed using WinOnLine do count toward the allowable maximum number of “pre-authorized” transfers per statement cycle.  Currently, a maximum of six such transfers is allowed within a statement cycle per account.  There is a fee for exceeding the maximum.  For details, please refer to the Windsor Federal Savings Deposit Account Agreement that you received upon opening these accounts or call any of our offices to obtain a new deposit account agreement or clarification on this federally mandated limitation.

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Question #24

Can I see the due date for my next loan payment and the amount due?

Answer:

Yes.  In the “Accounts” screen, click on the icon labeled "Detail" that appears to the left of the loan account.  This will display important information about your loan account including the next due date and the amount due.

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Question #25

I have already set up automatic transfer instructions through a Windsor Federal Savings branch office.  Can I edit or cancel these instructions using WinOnLine?

Answer:

You can cancel existing transfer instructions by sending us cancellation instructions in the "Special Instructions or Additional Information" area of the secure form entitled "Money Transfer Internal/Recurring" and then if appropriate, you can use the same secure form to establish new transfer instructions.

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Bill Pay Questions:

Question #26

How much does it cost to use the WinOnLine Bill Payment Service?

Answer:

The use of the WinOnLine Bill Payment Service for bill payments paid from personal checking accounts is Free!  This service entitles you to initiate bill payments from multiple checking accounts at no additional cost.  This is an exceptional value based on the convenience alone, but also consider that by using the WinOnLine Bill Payment Service, you will not only save time, but also the expense of stamps, envelopes and trips to the post office.

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Question #27

Will I be charged any fees if I don’t make any payments during a calendar month or a statement cycle?

Answer:

No.  The use of the WinOnLine Bill Payment Service is free for bill payments paid from personal checking accounts regardless of when or how often you use the Service to initiate bill payments. 

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Question #28

How do I stop my access to the WinOnLine Bill Payment Service?

Answer:

There are several ways.  Send an email using the “Mail Box” function in WinOnLine, call our Customer Service Center at (860) 688-8511 or call or visit any Windsor Federal Savings branch office during regular business hours.  Your access to the WinOnLine Bill Payment Service will end within two (2) business days after we receive your request. 

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Question #29

What if I don’t sign up for the WinOnLine Bill Payment Service initially and later decide that I want to sign up?

Answer:

You can sign up for the WinOnLine Bill Payment Service at any time.  Just click on the main menu option entitled “Bill Payments”.  The “Bill Payments” screen will then indicate that you are not currently enrolled.  Follow the simple enrollment instructions and you will be able to start using the service immediately.  If you do not see a “Bill Payments” button, send an email using the “Mail Box” function in WinOnLine requesting to initiate the Bill Payment service.  Within two (2) business days you will be notified, via the “Mail Box” function, that you can begin using the service.  

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Question #30

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, the payment is warehoused until it is time to process it, based on the date that you entered into the system.  The number of days until the payee receives payment will vary depending on how the payment will be made and how long it will take for the payment to be delivered to the payee.  Payees that accept electronic transactions will generally receive their funds within two (2) business days, but payees who must receive a paper check may wait for delivery of the check for as long as seven (7) business days.  Since you cannot determine if the payment will be made electronically or with a paper check, you should enter a date at least seven (7) business days before the actually due date. 

Once the system has determined that it is time to process the payment, based on the date you entered, the payment is changed to a processing status.  Payments are processed once per business day at approximately 9:00 p.m. and at the same time, your funds will be debited from the designated checking account.  The payment will be delivered electronically or sent by paper check the following business day.

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Question #31

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

Answer:

Each payment made by WinOnLine will be processed either by check or by electronic funds transfer.  If your payee can accept electronic funds transfers, it may only take two (2) days or less for the payment to reach your payee.  If your payee is unable to accept electronic payments, a paper check will be generated and delivered via regular first class mail.  Delivery via U.S. mail could take several days depending on where the payment is to be delivered.  The safest approach is to always schedule your payments at least seven (7) business days ahead of the date that they are due.  This will ensure that the payment will be made and processed in time.  Please remember that Bill Payments will be made using only available funds in your account; no Bill Payments will be processed against uncollected or non-sufficient funds.

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Question #32

When I schedule a Bill Payment, should the date that I enter into the WinOnLine Bill Payment Service be the date the payment is actually due?

Answer:

No.  The date that you enter into the system is the date that you want WinOnLine to produce the payment.  You need to allow seven (7) business  days for the payment to reach your payee.  Since you can not determine if the payment will be made electronically or with a paper check, enter a date seven (7) business days 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 and then only one time per business day, at approximately 9:00 p.m.

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Question #33

When do future-dated payments and bill payments created on weekends and holidays get deducted from my account and processed?

Answer:

Future-dated Bill Payments scheduled for processing on a particular date are deducted at approximately 9:00 p.m. that day.  However, if the date falls on a weekend or a Bank holiday, the payment will be processed on the last business day before that weekend or holiday and the deduction for that payment will occur on the preceding evening.  For example, if a future dated payment is scheduled for a Monday Bank holiday, then the payment will be sent on the preceding Friday and the deduction from your account will occur on Thursday evening.  Therefore, collected funds must be available in your account by Thursday evening for this payment to be processed.

Bill Payments entered on a weekend or holiday with the current day’s date are deducted from your account on the next business day and are processed on the following business day.

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Question #34

What is the WinOnLine Payment Guarantee?

Answer:

The WinOnLine Payment Guarantee covers late fees and finance charges ($50.00 maximum) for payments that are scheduled at least 6 business days prior to the Due Date, excluding grace periods that may be extended by the Payee.  Although WinOnLine cannot guarantee the actual delivery or posting date of the payment, fees incurred for late delivery will be covered under this guarantee if the Payee is unable to remove the fees for any reason.  This guarantee is valid only if the information supplied by you is correct (payee name and address, your name and account number as it appears on the payee’s records).

If the payment was not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed.  If the merchant is unwilling or unable to remove them, the fees and finance charges will be paid directly to the merchant.  Your account will be noted appropriately to ensure that the situation does not negatively impact your credit rating. 

Mortgage payments should be scheduled to be paid on or before the Due Date excluding grace periods.  For example, a mortgage payment due on February 1^st, with a 15-day grace period, must be scheduled for processing by no later than February 1^st.

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Question #35

How will the bill payments be made?

Answer:

WinOnLine uses two methods of payment:

Electronic – WinOnLine sends an electronic credit to your payee.  These payments will reach the payee within 1-3 business days.

Laser Draft – A paper check is sent to your payee by mail.  These payments should reach the payee within 5-7 business days. 

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Question #36

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

Answer:

Funds will be deducted from your account on the same day as the scheduled payment date.

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Question #37

How do I make a bill payment as quickly as possible?

Answer:

Enter today’s date as the payment date.  This ensures that the bill payment will be processed on the next available business day.

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Question #38

What is the cut-off time for processing a bill payment?

Answer:

Bill Payments that are requested for processing before approximately 9:00 p.m. on a particular business day will be processed that night.  If that is a weekend or a Bank holiday, they will be processed on the next business day.

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Question #39

What if I make an error in a bill payment request?  How do I change the amount, the payee or cancel the entire transaction?

Answer:

If the payment has not been processed yet, you will see the “Edit Payment” icon next to the payment on the “Bill Payments” screen.  Click on this icon to modify any details of this transaction and then click “Continue” to update.  To delete the entire transaction, click on the red “Delete Payment” icon next to the payment on the “Bill Payments” screen.  Then click “Continue” to complete the deletion.

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Question #40

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

Answer:

You need to allow several business days (1-3 for electronic and 5-7 for paper checks) for your payee to process your payment.  If your payee has not posted the payment to your account after at least seven (7) business days, send a message through the “Mail Box” function in WinOnLine to WinOnLine Customer Service or call the Windsor Federal Savings Customer Service Center at (860) 688-8511 during regular business hours to inquire about the status of the payment.  Be sure to provide your full name, dollar amount and date of the transaction and the item’s reference number.  The reference number is displayed on the “Bill Payments” screen under the “#/Category” column.  The payment will then be traced and a status response will be sent to you via the WinOnLine “Mail Box” function.

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Question #41

How can I prove that I submitted or scheduled payments and transfers through WinOnLine?

Answer:

When you complete each bill payment, you are given a reference number.  The reference number is displayed on the “Bill Payments” screen under the “#/Category” column.  This reference number indicates that your request has been received.  It is used for tracking payments if a problem occurs.  This reference number will disappear once the payment is processed.  Bill payments and transfers also appear on your “Register” screen.  If the “Clr” (the last column in the register) is marked with an “X”, the transfer or bill payment has posted against your account.

Your monthly statement from your payees will indicate the date the payment was posted and the amount of the payment.  Your monthly bank statement will show “eBill Payment” and the name of the payee, but will not show this reference number.

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Question #42

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

Answer:

If your account has insufficient or uncollected funds, the payment will not be completed.  The system will not attempt to process the payment request automatically at a future date when there are sufficient funds in the account – you will be required to re-submit a new bill payment.  You will be notified through the WinOnLine “Mail Box” function that a transaction was unable to be processed.

However, if your checking account is protected with deposit to deposit overdraft protection, we will automatically transfer available funds from your statement savings or money market account to cover the scheduled payment. 

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Question #43

Can I make a bill payment from a line of credit account such as a home equity line of credit?

Answer:

No, you can only make bill payments from a checking account.  Therefore, you must deposit or transfer money into a checking account before requesting that a payment be made.

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Question #44

When are the Bank’s holidays?

Answer:

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eDocument Questions:

Question #45

What is the eDocument Delivery Service and how will it benefit me?

Answer:

The eDocument Delivery Service enables you to receive your account statements online through our WinOnLine Internet Banking and Bill Payment Service instead of receiving paper statements through the mail.  When you enroll in the eDocument Delivery Service, your enrolled account statements will be available online the day after the statement cycle date instead of arriving in the mail from 5 to 7 calendar days after the cycle date.  You can access your account statements 24 hours a day, 7 days a week from anywhere in the world provided that you have access to the Internet.   If you are on vacation or otherwise away from your residence, you will no longer need to worry about the theft of account statements from your mailbox.

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Question #46

Is there a fee for the eDocument Delivery Service?

Answer:

No.  The eDocument Delivery Service is a free service of our WinOnLine Internet Banking and Bill Payment Service.  There is no enrollment fee and no fees for receiving your documents such as your periodic account statements electronically.  Once you enroll in the eDocument Delivery Service, all documents provided electronically will no longer be produced on paper and sent to you by postal mail.

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Question #47

Is the eDocument Delivery Service secure?

Answer:

The eDocument Delivery Service is accessed through our WinOnLine Internet Banking and Bill Payment Service.<