AnyTime Access & e-Statements
Is my account information secure?
Ensuring the privacy and security of your account and personal data is a top priority. We do not store any member information on our web server that is accessed by the public. Layers of security include automatic sign-off, encryption, firewalls, password lock-out and security authentication procedures.
Can I access all my credit union accounts?
Yes. AnyTime Access gives you convenient 24-hour access to your deposit and loan suffixes to perform a variety of transactions: check balances, transfer funds, make your loan payment, verify that your checks have cleared, set up overdraft protection and manage automated transfers. It's easy!
Are there any fees for AnyTime Access?
AnyTime Access is available at no charge! We will terminate your connection to AnyTime Access after 90 days of non-use, and we do not send notification of termination.
How can I avoid having my access to AnyTime Access terminated after 90 days?
Simply log on at least every 90 days and your access will not be terminated. We terminate access of members who do not use AnyTime Access because it helps to keep our costs down for all members.
How long may I use AnyTime Access & e-Statements in a single session?
You have unlimited transaction time, but if your connection is inactive for 10 minutes, the session will automatically log off.
How do I sign up for AnyTime Access?
You can self-enroll by clicking on "Sign up now" on the log-in page or you can complete and sign an application. Once we verify your signature(s), we will send you a password and a copy of the EFT agreement in the mail.
If you want to have the capability of moving funds between two or more accounts, then the main members of all linked accounts must sign the application. By requesting that accounts be linked, you are authorizing anyone with access to these accounts access to the information on your account and the ability to perform transactions, even if they are not a joint owner on a particular savings, checking or loan suffix.
How do I log in to AnyTime Access?
AnyTime Access & e-Statements can be accessed by going to our web site www.centralmainecu.com and clicking on the AnyTime Access Online Banking login link.
Can I use AnyTime Access & e-Statements if I use a dial-up service for Internet Access?
Some members have had random success using dial-up, however, we cannot assist you when the inevitable connection issues occur.
What is my USER ID?
For some members it is your account number. For other members your USER ID is a combination of letters and numbers, which was sent to you when you signed up for Anytime Access.
May I select my own password?
If you enroll by sending us an application, then the first time you sign on to AnyTime Access & e-Statements, you must use the password we send you. You will be prompted to select a new password upon signing on for the first time.
If you self-enroll, you may select your own password. Your password must be between 6 and 8 characters in length and contain both numbers and letters. The password is upper and lower case sensitive.
What is an acceptable password format?
Your password must be 6-8 characters long and contain both numbers and letters. You cannot use your account number, Social Security number, repetitive numbers or letters (e.g. "11111A" or "AAAAA1") or sequential numbers or letters (e.g. "12345A" or "ABCDE1.") Your password is case-sensitive, which means that if you set up your password with all capital letters, then you cannot use lower case letters to log in.
I am having trouble logging in. Any suggestions?
Deleting your temporary Internet files within your browser may resolve this issue for you: Tools- Internet Options- General tab- Select 'Temporary Internet files'- click on 'Delete Files'- OK. Follow this same procedure and 'Delete Cookies' as well. NOTE: You may need to click on 'Start' then go to 'Control Panel' to get to your 'Internet Options'. Log all the way out to your desktop, then go to our website and Log-in to AnyTime Access.
I can't remember my password. What do I do?
Click on "Forgot your password?" and you'll be asked to enter personal information which, if validated, will permit you to create a new password. If this doesn't work, you can call us at 207-783-1475 and after providing us with your "Reset Password," which you provided on your application, we can reset your password for you. If you do not know your "Reset Password," then you will need to come into the Credit Union with acceptable photo identification for us to reset your password or you can call us, however, we will require you to correctly answer a series of questions.
When do transactions post to my account?
Transactions you perform on AnyTime Access are real time. They will instantly post to your account unless the system is down for maintenance. Visa Credit Card payments generally post the next business day.
Can I use AnyTime Access without e-Statements?
No. AnyTime Access and e-Statements is one product. Should you wish to have a statement mailed to you, then your ability to use AnyTime Access online banking will be terminated.
Are there any fees for e-Statements?
E-Statements are available to you at no charge. However, if you request a paper copy of a statement from the credit union, there is a $1.00 per month charge. Once you are signed up for e-Statements, you will build up to 18 months of statement history for your account.
How do I access my e-Statements?
After logging in to AnyTime Access, click on 'eDocuments/Online Forms' tab on the main menu bar. Then select 'eDocuments' which will take you to the e-Statements page. Next to 'statement ending date,' click on the dropdown box to select the month you wish to view; click 'View' button.
When are e-Statements available for viewing each month?
E-Statements are generally available on the first business day of each month.
Will I be able to print my e-Statements?
Yes. And you should save your printed e-Statements just as you would your paper statements.
Will I continue to receive paper statements in the mail?
For the first month only, you will receive a paper statement in the mail and an e-Statement. Going forward, you will receive e-Statements only.
I am having trouble printing out my e-Statement. Any suggestions?
Try choosing the 'Text" format to display your e-Statements and click on 'Print Statement' on the top or bottom of the page.
How can I get a copy of a check I have written?
When reviewing your checking account history in AnyTime Access, you should see the number of any check you've written highlighted and underlined. If you click on this check number, (it's called an 'item #' in AnyTime Access) a copy of the front and back of the check will pop up. Be patient, sometimes this takes a moment to complete. When you can see the image of the check, you're able to print out a copy. This is a free service for AnyTime Access users.
If you need us to print out a copy of a check for you, there up to $1.00 fee per check.
How do I use AnyTime Access to place a Stop Payment on a check?
You select the Stop Payment function and enter the check number(s), then verify your request. This is for free service fo Anytime Access users. You will save $10.00 by using Anytime Access to place a stop payment on a check in lieu of calling or visiting the Credit Union to do this.
What is Multi-Factor Authentication and why do we need to use it?
Multi-Factor Authentication (MFA) is required by our Federal regulator in order to protect members using online services. MFA is a combination of a phrase, an image and challenge questions that you select to validate that you are accessing the correct site when using an unregistered computer.
The phrase you select will show up underneath the image you select and should never be your account number or your AnyTime Access password.
Why should I register a computer?
You don't have to. Some members choose to register their home computers so they don't have to answer the challenge questions each time they log in to AnyTime Access. If you change your Internet service provider or your browser or if you delete your cookies, then you need to register your computer again.
How do I access Bill Payer?
In order to have Bill Payer, you must also have AnyTime Access & e-Statements. Bill Payer can only be used with a checking account. Log on to AnyTime Access and click on the Bill Payer button on the left hand side of the screen.
How do I set up a payee?
You'll need the following information: the name and address of the merchant, the merchant's phone number, the name on the bill and the billing account number. Click on Add Payee and you can set up your payee. You can set up a one-time payment or recurring payments of a fixed amount. If you set up a recurring payment, you are responsible for deleting the payment if you stop using the merchant's service, pay off a loan, etc. Recurring payments will continue for 12 months. After 12 months, you must reset your recurring payments.
Are there any fee for Bill Payer?
There are no monthly fees for Bill Payer. However, if you request services such as a copy of a check, research, perform a telephone inquiry, or want to place a stop payment on a check, there are fees for these services. Please see our current fee schedule.
How far in advance of the due date do I need to schedule my payment?
You should schedule the payment to be withdrawn from your checking one week prior to the due date. For example, if your cable bill is due on the 15th, then you should schedule the bill payment to be withdrawn from your checking on the 8th.
How are the payments made?
That depends on the merchant. We have relationships with thousands of merchants such as utilities, credit card companies, etc. If you set up a merchant as a payee and we have an established e-payment relationship with them, then your payment will be sent electronically.
You may notice that the address we send your payment to is different from the address on your monthly bill that you entered when you set up the payee. If we can send a payment electronically, we will automatically change the address and electronically make your payment. You do not need to be concerned when this happens.
How will I know if my bill has been paid?
By accessing Payment History, you'll be able to see if the payment was sent. If your payment was sent electronically, you will see the message E-Payment Sent. If your payment was sent by paper check, then the date the check cleared will be listed once the payment is received by the merchant.
What happens when a payment is returned or rejected?
We will credit your account for the amount of the payment and send you a notice in the mail explaining the reason for the return. When a payment is rejected, the status of the rejected payment will be reflected on the Payment History page.
What are the most common reasons a payment is rejected or returned?
Invalid payee account numbers, invalid payee names (inputting 'ABC' rather than 'Acme Business Corporation'), and incorrect remittance addresses.
Can I use Bill Payer for any payments?
No. You cannot use Bill Payer for alimony, child support or other court ordered payments, to pay any type of taxes, or to make any payments outside the United States.
What is Quick Pay?
Quick Pay is a feature of Bill Payer that permits you to view all of your Payees on one screen and set up multiple payments to those payees rather that accessing several individual Payees.
Can I tie Bill Payer to more than one checking suffix?
You can use Bill Payer with only one checking account suffix per account. You can use Bill Payer on a second checking suffix that is tied to a different account number.
What is the significance of a Payee Nickname?
A Payee Nickname is something you set up to help you quickly identify a payee. Your payee nickname is not shared with others. You only can use a Payee Nickname once. For example, you cannot use "Auto Loan" for two payess. You should use "Auto Loan 1" and "Auto Loan 2."
How many payess can I have?
You can have up to 45 Payees.
How long is the information available?
Bill Payer history is available for 364 days.
Businesses are not eligible to use Bill Payer.