Third Federal Savings & Loan

ONLINE BANKING 10

• Changing account details
• Can I name my accounts in Online Banking so I know which ones they are?
• Can I download my data into a .csv file format?
• Can I see my last login date?
• Do you offer online bill payment?

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CERTIFICATES OF DEPOSIT 6

• Can I close my CD online?
• Can I renew my CD online?
• Can I view my passbook CD online?
• How can I receive the interest from my CD?
• How often is interest compounded for online CDs?

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CHECKING ACCOUNTS 9

• What are the routing numbers for Third Federal?
• Can I order additional checks through Online Banking?
• Can I set up a notification when my checking account reaches a certain dollar amount?
• Can I stop payment of a check online or on the mobile app?
• Can I view my checks via Online Banking?

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ENROLLMENT IN ONLINE BANKING 5

• Can my spouse and I share an Online Banking login?
• How can I change my Online Banking password?
• How can I enroll in Online Banking?
• How do I cancel my Online Banking access?
• What is my Password?

EXTERNAL FUNDS TRANSFER 26

• Can I assign nicknames to my external accounts so I can keep track of them?
• Can I schedule an external funds transfer?
• Can I transfer money internationally via external funds transfer?
• Can I transfer money to my friend's account?
• Do I have to be an owner on the external account?

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HOME EQUITY LINES OF CREDIT 9

• Can I check my payment history/balance information of my Home Equity Line of Credit online?
• Can I make a payment on my Home Equity Line via Online Banking?
• Can I make a payment on my Home Equity Loan via Online Banking?
• Can I make a principal payment to my Home Equity Line or Loan via Online Banking?
• Can I request an increase to my Home Equity Line of Credit online?

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MOBILE BANKING 22

• Are Mobile Deposits safe?
• Can I be locked out of Mobile Banking?
• Can I change my Username, Password or email address in Mobile Banking?
• Can I do a mobile deposit of a check?
• Can I see my check images via Mobile Banking?

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MOBILE TEXT MESSAGE BANKING 8

• Are short codes case sensitive?
• How do I deactivate Mobile Text Message Banking?
• How do I set up Mobile Text Message alerts?
• Is the primary account in Text Message Banking always the checking account?
• What are the request codes for Text Message Banking?

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MORTGAGES 13

• Can I make a payment (or extra principal payment) to my mortgage via Online Banking?
• Can I payoff my loan online?
• Can I make an escrow shortage payment online?
• Can I pay the late fees for my mortgage online?
• What are "Deferred Fees" and "Deferred Expenses" on my mortgage loan?

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ONLINE STATEMENTS 20

• Can I get both electronic and paper statements?
• Can I get combined statements?
• Can I opt out of the email notification when my statement is available?
• Can I see my check images in my Electronic Statements?
• Can all account owners view statements online?

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OVERVIEW OF ONLINE BANKING 12

• Can I receive electronic statements?
• Are there any fees charged to use Online Banking?
• Can I change the sort function when I'm viewing my account transaction history?
• Can I set up notifications within Online Banking?
• How do I change my mailing address?

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SAVINGS ACCOUNTS 1

• Can I view my passbook savings account online?

SECURITY AND ONLINE BANKING 13

• Can I have my One-Time Access Code sent to me via a text message?
• Can I receive my One-Time Access Code at my home phone?
• Can I register more than one email address to receive my One-Time Access Code?
• Can I still login to my account from anywhere?
• How do you recognize my computer?

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TRANSFERS 5

• Can I do internal transfers with my passbook savings account?
• Can I transfer money between my accounts at Third Federal?
• How can I confirm that a transfer was successful?
• How do I do a one-time or scheduled transfer?
• Is there a cost for conducting internal transfers?

TROUBLESHOOTING 7

• Can I get a PDF of past statements online?
• How come I do not see my messages or a way to send a message?
• I can't find a returned item in my account history. What should I do?
• I’m enrolled in Online Banking and I'm trying to log in for the first time. However, I forgot my User ID. What should I do?
• Why can't I see my spouse's IRA account when I log into Online Banking?

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APPLYING FOR DEPOSIT PRODUCTS ONLINE 11

• Are there any account ownership restrictions when opening an account online?
• Can I open a checking account online?
• Can I open up a deposit product online for a trust?
• Can I purchase an IRA CD or IRA savings account online?
• What CD terms do you offer online?

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GENERAL INFORMATION 14

• Does FDIC insure my deposits?
• Can I view my IRA accounts in Online Banking?
• What IRAs do you offer?
• What is the difference between account balance and available balance?
• Can I put a "stop payment" on a debit card transaction?

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INFORMATION ON DEBIT CARDS 12

• I lost my Debit Card - what do I do?
• What do I do if I can't seem to find my card?
• Can I get a debit card with my Interest Checking Account?
• Can a merchant put a hold on my checking account if I use my Debit Card?
• How can I change the PIN on my debit card?

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CERTIFICATES OF DEPOSIT 5

• How can I purchase a CD from Third Federal?
• What are the minimum and maximum dollar amounts with which I can open a new CD?
• How much penalty is charged for early withdrawal of a Certificate of Deposit
• What CD term is right for me?
• What types of CDs does Third Federal offer?

CHECKING ACCOUNTS 3

• How much does it take to open an Interest Checking account?
• What is the difference between my available balance and my account balance?
• What type of checking accounts do you offer?

SAVINGS ACCOUNTS 6

• Do you offer debit card or ATM card access?
• How does the interest to the Interest Savings account get posted?
• What is the difference between a passbook and a statement savings account?
• What is the minimum amount I can open a savings account with?
• What types of deposit accounts do you offer?

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GENERAL INFORMATION 18

• Can I add an owner to my account?
• Is Third Federal safe?
• Can I get a list of your bank owned properties?
• Can I purchase savings bonds from Third Federal?
• Do you offer trust accounts?

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MORTGAGES 18

• Can I borrow funds to build a second (vacation) home?
• Can I make a principal payment to my mortgage?
• Can I remove a person from my mortgage?
• Does Third Federal offer Construction/Permanent mortgage loans?
• Does Third Federal offer bridge loans?

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GENERAL INFORMATION ON MORTGAGES 23

• Can I change the loan amount or loan type for my preapproval?
• Do you offer bi-weekly mortgage payments?
• Do you have any programs for first time home buyers?
• Does Third Federal charge any prepayment penalties?
• Does Third Federal have "No Cost" or "Low Cost" mortgage options?

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SMART RATE ADJUSTABLE MORTGAGE 10

• Do you have a low cost option for the Smart Rate Adjustable Mortgage?
• How many times can I relock the rate on my Smart Rate Adjustable Mortgage?
• What are some key terms for an adjustable rate mortgage?
• What are the caps for the Smart Rate Adjustable Mortgage?
• What happens to the loan caps and rate floor if I choose to relock?

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HOME EQUITY LINES AND LOANS 14

• Can I convert my Equity Line of Credit into an Equity Loan?
• Can I request an increase to my Home Equity Line of Credit?
• Can I see my Home Equity Line of Credit checks online?
• Does Third Federal offer Home Equity Lines of Credit or Home Equity loans?
• Where does Third Federal offer home equity loans and lines of credit?

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EQUITYCARD INFORMATION 3

• How can I change the PIN on my EquityCard?
• How do I activate my new EquityCard?
• I have a debit card for my ELOC - does it work the same as my checking debit card?

GENERAL INFORMATION ON HOME EQUITY PRODUCTS 1

• How do I know if I can get a Home Equity Line of Credit from Third Federal?

SECURITY CENTER 12

• How can I best manage my passwords?
• How can I create strong passwords that I'll remember?
• How can I protect my bank accounts?
• How can I protect my home computer?
• How can I tell if I have spyware on my computer?

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EMAIL SAFETY 4

• How can I avoid becoming a victim of an email scam?
• How can I tell if an email is a phishing email?
• I think I received a fraudulent email - what should I do?
• What is phishing?

IDENTITY THEFT 4

• How can I protect my identity?
• How can someone steal my identity online?
• How do I know if I've been a victim of identity theft?
• I think someone has stole my identity - what should I do?

SOFTWARE UPDATES 1

• How can I monitor my Online Banking activity?