ONLINE BANKING

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Online Banking - Frequently Asked Questions (FAQ's)

Browse through our FAQ section to help answer any questions that you have about the Home Federal website

Home Federal Savings and Loan

Customer Service

Q: Have a question about Online Banking or need help?

Call us at 800-580-7152 between the hours of 9:00 a.m. to
4:00 p.m. Central Time on any business day.

Email us We will respond to your email inquiry at our earliest convenience.

Visit us at one of our branch locations.

Getting Started

Q: What is Online Banking?
A: Home Federal is proud to offer its customers our Online Banking system. It is yet another convenient way for you to conduct your banking - from the comfort of your home or office!
Q: How do I sign up for Online Banking?
A: Signing up for Online Banking is simple:
  • To access Online Banking, you must first apply. The application process requires the following information:
    • First Name
    • Last Name
    • SSN or TIN
    • Mother's Maiden Name
    • Your Email address
    • Account Information
    • Login Name
    • Password
    • Drivers License
    • Date of Birth

  • Please complete the online banking application. Print the application, sign it and bring it in to your nearest Home Federal branch. Respond to the email that you receive from us.
    After we have processed your submitted application, we will notify you via e-mail of your acceptance or denial.
Q: What is the fee for this service?
A: Home Federal offers Online Banking service to our Customers at no cost! We hope you consider it to be a valuable benefit for choosing to bank with us!
Q: Why is my account number not working?
A: Be sure that you are entering your account number without any hyphens, punctuation or leading zeroes. Also, be sure to remember that passwords are case-sensitive.

Deposit Accounts: On your statements, your account number appears as X XXXXXXXX X. Please enter all 10-digits and omit the spaces / dashes.

Loans: On your payment coupon, your account number appears as XX-XXXXXX-XX. Please enter all 10-digits and omit the spaces/dashes.
Q: Can I use letters and numbers for my Username?
A: Yes. Your Login Name must be at least 8 characters in length. It must contain at least one letter, at least one numbers, and no special character (*&^%$#@!).
Q: Can I use letters and numbers for my Login Password?
A: Password format requirements are as follows:
  • Cannot be same as SSN / TIN
  • Cannot be same as Login Name
  • Must contain letters and numbers and special character
  • Must be a minimum of 8 characters in length
Q: How do I access my account the first time?
A: From the Home Federal home page, click on the link titled "Online Banking". This will take you to the login screen.
Q: I set up my account, logged in and was restricted access. Why?
A: The safety and security of your personal information is important to Home Federal. Once you have applied for Online Banking access, we review your application to ensure your identity has been validated during the application process and to ensure your accounts are properly linked to your Online Banking profile. You will receive a series of status emails, which are sent to the email address you provided during the application process. Home Federal Savings will notify you via email when access has been granted.

Username and Password Help

Q: What if I forget my password?
A: To recover your password:
  1. Click on the Forgot Password? link on the www.home-federal.com home page
  2. Enter your Login Name.
  3. Enter your email address. The email address must match the address we have on file.
  4. Answer your Challenge Question. This is the Challenge Question you selected and answered when signing up for Online Banking (or subsequently changed).
  5. Your password will be emailed to the email address we have on file.

If you prefer, you may also call or stop by any Home Federal branch during business hours.

    Don't Remember your Challenge Question?
  1. Click on "Please email me the Challenge Question".
  2. Your Challenge Question will be emailed to the email address we have on file.
Q: What if my password has been disabled?
A: For your protection, if you - or someone trying to access your accounts - enter an incorrect password three times, we disable your Online Banking access. Please contact us at 800-580-7152 during business hours to have your password reset and security enabled. If you prefer, you may call or stop by any Home Federal branch during business hours.
Q: What if I forget my username?
A: For your protection, we ask you to contact us to have your username reset. Please call our Online Banking support at 800-580-7152 during business hours. If you prefer, you may call or stop by any Home Federal branch during business hours.
Q: How do I change my password?
A: To change your password, log into your account using your existing password. Once you are inside your account, go to the Account Services menu and select "Change Password", where you will be prompted to provide your old password and to type a new password. If you do not know your existing password, refer to the "What if I forget my password?" Q&A.

Security and Technology

Q: What can I do to safeguard my account information?
A: Below are best practices for safeguarding your account:

  • Do not leave your account information out in an open area or on your computer screen accessible by others.
  • Do not send your Access ID or Password or privileged account information over any e-mail system.
  • Do not leave your Computer unattended while you are connected to Online Banking.
  • Do not enter your Access ID or Password into Online Banking when there are others nearby who could observe you doing so.
  • We recommend that you log out of Online Banking and close your browser completely after each session and/or clear cache and history.
  • We recommend that any computer you use to access Online Banking have spyware protection, virus protection and a personal firewall. Moreover, keeping your machine updated with the latest security patches is also good practice.
Q: Do I need any special hardware or software?
A: No special hardware or software is required to use Online Banking. All you need is a computer, modem and access to the Internet. Our site is best viewed using the most current Netscape Navigator or Microsoft Internet Explorer web browser. As Netscape and Microsoft release updated browsers, this site will evolve with their advancing technology.

To help ensure security, we recommend that any computer you use to access Online Banking have spyware protection, virus protection and a personal firewall. Moreover, keeping your machine updated with the latest security patches is also good practice.
Q: What are the Browser Requirements?
A: To help ensure security and proper functionality, you must use a browser that meets or exceeds the following requirements:
  • 128-bit encryption
  • You must have Cookies and JavaScript enabled
  • We support browser versions Mozilla Firefox, Google Chrome and Microsoft Internet Explorer 6.0 or higher.
Q: Is my account safe from unauthorized access?
A: Online Banking resides on a secure server and Home Federal uses encryption technology to ensure the safety and integrity of your account. In addition, we have implemented an additional layer of protection for our customers called Multi-Factor Authentication (MFA). MFA offers additional protection by requiring customers to provide a different combination of information for online access to accounts. In order to access any account via Online Banking, the user needs a login password. Therefore, we strongly advise that you do not write your password down or give it to anyone that is not on your account.
Q: What is encryption?
A: Encryption is the process by which data or information is converted into private or secret code that cannot be deciphered. This ensures secure transmission by preventing any non-authorized party from reading or changing data. Information is decoded only when it reaches its destination.
Q: What if I am unable to logout of my account when using Online Banking due
to interruption (e.g. power outage, network problems, heavy web traffic, computer crash, etc.)?
A: Your account should be fine. As soon as you are able to re-access your account, you should verify any transactions you may have attempted to make were completed by reviewing your account history and balances. It may be necessary for you to resubmit any transaction you were in the process of completing when the interruption occurred.
Q: What if I forget to logout of my account?
A: It's important to remember to always logout of your account whenever possible. However, if you do forget to do so, the system will "expire" your session. After 10 minutes of inactivity, the system will not allow any further inquiries or transactions and you will be asked to login again if you, or anyone attempts to do so.

Online Protection - Security Questions Overview
(Multi-Factor Authentication)

Q: I was prompted to enter personal information the first few times I logged onto Online Banking. Why was I asked for this information?
A: In order to make your online banking experience as secure as possible, we are requesting all customers complete a security feature that detects any uncharacteristic or unusual behavior involving your account. If anything out of the ordinary is detected, we will verify your identity.

As our customer, we know how you typically behave: what types of transactions you conduct, when and from where. If we detect any activity that does not seem like your typical behavior, we will prompt you to further verify your identity so that we can ensure it is you and not a fraudster attempting to comprise your account. This will only happen on rare occasions. Normally you will not be asked for any additional information.

For example, if someone tries to sign in with your user name and password from a computer in a foreign country shortly after you have logged off from your normal computer at home, we may decide to verify that it is really you trying to access your account.
Q: Am I required to sign up for this security system?
A: Yes. You are required to enter the requested information in order to use online banking. This includes choosing several security questions that only you know the answers to, as well as supplying phone numbers where you can be reached while banking online. Once this occurs you have added a layer of protection to your account.
Q: Will I be asked for more information?
A: You will only be prompted to enter additional information when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior.
Q. What additional information will I be asked?
A: If any unusual or uncharacteristic behavior is detected you will be asked to answer several of the security questions you chose. This will most likely be a very rare occurrence.
Q. What is unusual or uncharacteristic behavior?
A: Uncharacteristic or unusual behavior is anything that appears out of the ordinary compared to how you normally would bank online and where you normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.
Q. How are you able to detect unusual or uncharacteristic behavior?
A: The security system takes into account factors such as the type of transactions you ordinarily perform, the computers you typically use to access your accounts, or the typical security settings for your computer. Hundreds of factors, such as these, create a profile that is unique to you that allows us to make decisions about whether the person conducting a given activity and transaction within your account appears to be really you.
Q. How do I know it is working?
A: You only need to complete the set-up process once; afterwards the new security system will work automatically. That means you are being protected every moment - when you are online and more importantly when you are not. Occasionally you will see this symbol to remind you that you are being protected: Home Federal Savings and Loan
Q. Is my personal information still safe after I enter my personal information?
A: Yes. In fact, your personal information is safer than ever before because we are making sure it is really you and not an unauthorized user trying to access your information.
Q. How will this help prevent online fraud?
A: If your user name and password are stolen, the fraudster would have to be able to answer your security questions correctly before being able to access your account or complete a fraudulent transaction. If the user is unable to provide this information or cannot be reached on the phone, the activity would be blocked. This added layer of security helps us protect your online account at all times.
Q. I check my account frequently, wouldn't I know if something unusual showed up on my account?
A: It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn't make). This security service helps prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be.
Q. I already have anti-virus and a personal firewall. Why do I need this?
A: We are glad to hear you use antivirus software and a personal firewall. Be sure that you keep both programs up-to-date for the best possible protection against viruses, Trojans, and hackers. This Multi-Factor Authentication security feature protects against other kinds of threats such as a stolen user name and password. It works with your other personal security programs as an added layer of security for your online banking transactions.

Transactions and Account Activity

Q: What kind of transactions can I perform within Online Banking?
A: Within Online Banking it is possible to:
  • View and Print Account History
  • Review Account Balances
  • Transfer Funds between accounts (i.e. savings to checking, checking to money market)
  • Make Loan Payments
  • Make a withdrawal by Check
  • And More?
Q: How long does it take for my transactions to process?
A: Transactions such as transfers and loan payments are posted to your account instantaneously (if performed prior to 5PM Central time, otherwise the transaction will be posted the following business day) and the transaction will be confirmed online.
Q: Do I receive a receipt for my transactions?
A: No. You will not receive receipts for your transactions. However, because account information is updated immediately, you should be able to verify transactions by reviewing your account balance history.
Q: How do I know if a transaction I made went through?
A: Account information is updated immediately. This allows you to verify your transaction by reviewing your account balance history to see if it is reflecting your transaction as having been processed. All transactions will appear on your Home Federal paper statement as well. Please note: If a transaction is performed after 5PM Central time transaction cutoff time, the transaction will be posted the following business day.
Q: Can I reverse a transaction if I make an error?
A: Yes and no. You can reverse a transfer within the same account number by simply transferring the funds back. Loan payments CANNOT be reversed.
Q: Is there a limit on the number of transactions I can perform?
A: There is no limitation specific to Online Banking. Keep in mind, however, that some Home Federal transactions, products and services are subject to their own limitations and terms. For example, Federal Regulation D requirements are such that, you may make a maximum of six (6) preauthorized, automatic or telephone transfers per monthly payment cycle on a savings or money market account. No more than three (3) of the six (6) transfers may be made by check, draft, debit or similar order made by you and payable to third parties, including point-of-sale transactions.
Q: How current is my account information?
A: Your account information is updated immediately. This means your information is accurate up to the minute.
Q: Can I see if checks have been returned?
A: If a check has been returned, in your account history you should see your account debited for a Non Sufficient Funds (NSF) fee along with the returned check.
Q: Can I put a stop on a check through Online Banking?
A: Yes. Once you have logged into your account, go to the Account Services menu and click on "Single Stop Payment". This is where you can place a stop payment on a check. Have your information ready, as you will be required to provide specific information regarding the check on which you want to place the stop payment. You can also perform a Range Stop Payment on a range of checks.

The standard stop payment fees will apply
We require a signed stop payment form
Q: Can I see if checks are outstanding through Online Banking?
A: No, there is no way for Home Federal or the Online Banking system to know which checks have been written by you until they clear or attempt to clear your account.
Q: Can I make a withdrawal with Online Banking?
A: No, not at this time.
Q: Can I transfer between different Home Federal accounts through Online Banking?
A: Yes, you can transfer between the accounts listed in your Accounts List, with the exception of certificate accounts. If you do not see all of your accounts, please contact customer service during business hours. We can be reached either by e-mail or by phone at 800-580-7152.

Deposit Account Services

Q: Can I open a checking or savings account through Online Banking?
A: Your security is top priority at Home Federal. Please contact or visit one of our branch locations nearest you to open a new account.
Q: Can I close a checking or savings account through Online Banking?
A: Please contact or visit one of our branch locations nearest you to close your account. You may also send a signed written request to your local Home Federal branch.
Q: Can I set up direct-deposit / payroll deduction with Online Banking?
A: At this time, you cannot set these services through Online Banking. Please contact your employer to set up direct-deposits / payroll deductions to be deposited into your Home Federal account(s).
Q: Can I order checks through Online Banking?
A: Yes. If you have received an initial batch of checks from the bank in the past, you may order check online.
For certain accounts that have free checks, Deluxe will show that you are being charged for the checks, but you will only be responsible for shipping charges. For instance, if you order a box of checks for 22.50 and the Delivery and Tax is 4.25. You will see an order total of 26.75 on the Deluxe website. You will NOT be charged the full amount, only shipping.

Loan Applications

Q: Can I apply for a loan within Online Banking?
A: No. Please contact our loan origination department if you would like to apply for a loan.
Q: Can I check on the status of my loan application via Online Banking?
A: No. If you need to check on the status of your loan application, please contact the Real Estate Loan Origination office in which you applied.

Loan Payments & Servicing

Q: What is the Principal / Interest breakdown of my current payment due?
A: The principal and interest breakdown of your current payment due can be located on the Account Snapshot screen within Online Banking. To view the Account Snapshot screen within Online Banking, you must be logged into Online Banking. From the Account List screen, click on the loan for which you would like to see the principal and interest breakdown. This will automatically take you to the Account History screen. From this screen, you should click on "View Details". This will bring you to the Account Snapshot screen. If you have any questions, you may contact our Loan Service department during business hours toll free at 800-580-7152.
Q: What is the YTD Interest for my loan?
A: The YTD Interest can be located on the Account Snapshot screen within Online Banking. To view the Account Snapshot screen within Online Banking, you must be logged into Online Banking. From the Account List screen, click on the loan for which you would like to see the YTD Interest. This will automatically take you to the Account History screen. From this screen, you should click on "View Details". This will bring you to the Account Snapshot screen. For purposes of IRS tax returns, refer to your annual 1098 year-end statement. If you have any questions, you may contact our Loan Service department during business hours toll free at 800-580-7152.
Q: When is my payment due?
A: Your payment due date can be located on the Account Snapshot screen within Online Banking or on your paper statement. To view the Account Snapshot screen within Online Banking, you must be logged into Online Banking. From the Account List screen, click on the loan for which you would like to see the payment due date. This will automatically take you to the Account History screen. From this screen, you should click on "View Details". This will bring you to the Account Snapshot screen. If you have any questions, you may contact our Loan Service department during business hours toll free at 800-580-7152.
Q: Can I make online payments to my Home Federal loan(s)?
A: Yes. You can make a loan payment by transferring funds from your Home Federal checking, savings or money market accounts to your loan account. To make a payment, go to the "Payments & Transfers" menu and select the type of loan payment you would like to make.
Q: Can I make online payments to my Home Federal loan(s) from an external account at another financial institution?
A: Currently, our Online Banking site allows you to make payments from your Home Federal checking, savings or money market account(s).
Q: Are there any fees associated with paying my Home Federal loans online?
A: There is no fee charged to you for making your payment online from your Home Federal account. However, please refer to your Promissory Note for paydown limits and prepayment fees. If you have any questions, you may contact our Loan Service department during business hours toll free at 800-580-7152.
Q: Will my loan payment be posted the same day that I make my payment online?
A: Your payment must be made by 5pm (Central Time) in order to be credited to your loan the same day. Note: Payments received after the due date and grace period may be assessed a late charge.
Q: Has my loan payment been made?
A: You can view the Account History screen to determine when your last payment was posted to the account. To view the Account History screen within Online Banking, you must be logged into Online Banking. From the Account List screen, click on the loan for which you would like to see the payment due date. This will automatically take you to the Account History screen. If you have any questions, you may contact our Loan Service department during business hours toll free at 800-580-7152.
Q: What is the balance of my loan?
A: The balance of your loan can be located on the Account List screen. You will see the Account List immediately upon logging into Online Banking. You may also view the Account History and Snapshot by clicking on the loan in the Account List screen. Please note, this is not the payoff amount. If you have any questions or wish to payoff your loan, you may contact our Loan Service department during business hours toll free at 800-580-7152.
Q: Do I have a prepay fee, and if so, when does it expire?
A: Please refer to your Promissory Note for any prepayment provisions which may apply to your loan. If you have any questions, you may contact our Loan Service department during business hours toll free at 800-580-7152.
Q: Can I get an amortization schedule?
A: At this time, an amortization schedule is not available to you within Online Banking. You may contact our Loan Service department during business hours toll free at 800-580-7152 for further information.


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