Harborstone Credit Union: No One Takes Better Care of You
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Frequently Asked Questions


What are the Harborstone Credit Union Online Banking security standards?

We care deeply about keeping your money safe while providing you with easy access to your accounts. With the continued growth of Online Banking, there are increased needs for greater security standards to keep you and your money well protected. In addition, the government issued new guidelines in 2011 calling for enhanced security measures for Online Banking. Our security standards are designed to provide you with the best protection available and will make it safer for you to monitor and manage your money while safeguarding against unauthorized access to your accounts.

What do I have to do to log in?

  1. Your user ID must be at least six characters long and made up of a combination of letters, numbers and special characters (@$*_-=.!~). Your password must be at least six characters long, no longer than 32 characters, and contain characters from at least two of the following three categories: letters, numbers, special characters (@$*_-=.!~). Your member number is not an eligible username.
     
  2. You are required verify your identity by phone, or email, when you log in to Online Banking for the first time. After providing your username and password, you will be asked to provide a phone number for a phone that you have with you, or an email address if you do not have access to a phone. We will immediately send an access code to your phone (via voice or text message) that you will enter into your computer to complete your log in. You can opt to have this computer remembered so that you do not need to repeat this step each time you log in. However, you must obtain a new access code for each computer or mobile device you use to log in that is not remembered on the system.

How will using my phone make my account safer?

We implemented what is known as “multifactor authentication”, which makes it more difficult for phishers and attackers to access your accounts without you knowing it. While this might seem unfamiliar, you actually use it every time you visit an ATM. When you access your account from any ATM, you need both your ATM card (something that you have) and PIN (something that you know).

We’ve implemented the same type of protection by using both your password and your phone to access your account. By doing this, even if an attacker or a phisher manages to steal your password and tries to use it to log in, the attempt would be unsuccessful without having your phone as well.

Why should I use my cell phone instead of my landline phone?

Providing your cell phone number will give you the freedom to choose how you receive your access code, via voice or text message. If you choose to provide your landline phone number, it has come to our attention that there are many members who may or may not be aware that their landline phone numbers have been set up to block unknown callers. This landline phone setting will prevent you from receiving your access code. Please contact your landline phone provider if you would like to remove the setting to allow block unknown callers. Otherwise, we encourage you to provide your cell phone number or email to receive your access code.

May I use an email address to get my access code?

If you do not have access to a phone or are accessing your account while outside of the United States, please select the email option to verify your identity when you log in to Online Banking.

Will I always need to use both my password and my phone from now on?

The first time you attempt to log in from a new computer, you will need to use both your password and the access code you receive on your phone, or email, in order to log in. If you are accessing your account from a private computer that you personally use, you can opt for the system to remember your computer for future log ins.

By doing this, you will not need to repeat the step of obtaining an access code via phone, or email, and you will need only your username and password in the future to log in.

For the best security protection, we suggest that you always use both your phone, or email, and your password. If you choose to have your computer remembered, we recommend that you do so only on computers that you personally own and that have the latest updates and virus protection software installed on them.

What if I log in from another computer or mobile device?

The first time you log in from another computer or mobile device, you will need to use both your password and a new phone, or email, access code to log in. However, you can choose to have your new computer/mobile device remembered on the system so that you need only your username and password for future access to your account online.

What Internet browser should I use to log in to Online Banking

Most modern Internet browsers have been tested and we recommend that you use one of the following, supported browsers for the best experience:

Find out exactly what browser you're using with whatismybrowser.com to help validate if your computer is running a Harborstone Online Banking supported browser.

The Internet Explorer download page will detect what version is supported by your browser and will present that option for you to download. Windows XP users will be presented with Internet Explorer 8, Windows Vista users will be presented with Internet Explorer 9, and Windows 7 users will be presented with Internet Explorer 9.

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(253) 584-2260 OR 1-800-523-3641
P.O. BOX 4207, TACOMA, WA 98438-0207
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