Find answers to common questions about using our Online Banking services, including how to enroll, manage your accounts, transfer funds, pay bills, and keep your information secure.
I am new to online banking. How do I login?
Located on our homepage, www.Ellafifcu.org, is our login button for Online Banking in the top right corner.
Need to enroll?
Click on Enroll in Online Banking and follow the instructions.
It's simple and easy to get set up!
Is Online Banking & Bill Pay secure?
Yes — keeping your information safe is a top priority. We use proven, industry-leading security technologies to protect your account and ensure your transactions are secure. You can have peace of mind knowing your data is safeguarded every step of the way.
How do I check my account balance in Online Banking?
Follow the steps below to check your account balance in Online Banking:
- Log in to Online Banking.
- A list of all your accounts will be listed and grouped together by type.
- Click on the account name to view the details of an individual account.
Manage your accounts securely and on the go
Our Mobile Branch application allows you to conduct your banking transactions whenever and wherever you want. Check balances, transfer funds, pay loans, and even deposit checks all on the go!
Learn more about the convenient features of Mobile Banking.
How can I verify that my Online Banking transactions were successful?
When you complete a transfer between Ellafi Federal Credit Union accounts, the new balances will immediately post to your account. For transactions to external accounts, please allow 3-5 business days for the transfer to post to your accounts.
To verify that a transfer has gone through:
- Log in to Online Banking
- Select ""Accounts""
- Select ""Summary""
- Select the account you performed the transfer to or from. From here, you should see a ""pending"" or ""completed"" transaction.
If you do not see the transfer posted to your accounts, please contact us immediately or visit a branch location.
How can I enroll for online E-Statements?
- Once you are logged in to Online Banking, select More tab.
- Then click on Statements
- Please read the Terms & Conditions and then select Enroll.
How do I order checks online?
It’s simple:
- Once you are logged in to Online Banking, select More tab
- Then click on Check Ordering
- It will redirect you to your online check ordering portal
Why am I getting charged a $3.50 Regulation (Reg) D fee in my savings account?
Regulation D (“Reg D”) is a federal law that limits the number of transfers and withdrawals that you can make from an interest bearing account (Regular Savings, Money Market, or Club Account) at Ellafi Federal Credit Union to a Checking Account or to a third party. According to Regulation D, you may not make more than six pre-authorized, automated, or telephone transfers/withdrawals from these accounts each month.
The regulation was established to prevent consumers from using interest bearing accounts as transaction or checking accounts. Fees are typically applied to such transfers and withdrawals in order to discourage consumers from using interest bearing accounts as transaction accounts
Reg D Fees
Savings accounts, which also include Certificates and Money Market Accounts, are not classified as “transaction” accounts and have limited transaction allowances. Regulation D allows for 6 transfers/ withdrawals per statement cycle or month. The fee for each transfer/withdrawal above six within that timeframe is $3.50/transaction.
How can I avoid being charged the Reg D fee?
- Open a checking account if you do not have one with Ellafi Federal Credit Union. Ellafi Federal Credit Union provides various checking accounts tailored to your needs.
- Use your checking account for the majority of your withdrawals and debits.
- Keep more funds in your checking account.
- Transfer excess funds from your checking account to your deposit account after you verify it is not needed.
- Locate a Ellafi Federal Credit Union Branch, Shared Branch, or Free ATM.
Do You Offer Zelle?
At this time, Ellafi Federal Credit Union does not offer Zelle. However, you can still send money electronically through our Online Banking services.
- Within Bill Pay, you can use our person-to-person (P2P) payment feature to send money to other individuals.
- You can also link your external bank accounts within Bill Pay to transfer funds between your financial institutions.
These features provide convenient alternatives for sending money and managing your transfers.
How do I hide or unhide accounts within Online or Mobile Banking?
You can easily customize which accounts appear on your dashboard in both Online Banking and our Mobile Banking App.
In Online Banking: Log in and select Customize Dashboard. Locate the account you'd like to show or hide, then click the eye icon next to the account to toggle its visibility.
In the Mobile Banking App: Log in and scroll down to Customize Dashboard. Find the account you'd like to manage, then swipe left on the account to show or hide it from your dashboard. Your changes will be saved automatically.