eFFL FAQ
QUESTIONS ABOUT eFFL:
- How do I know if I am eligible to use eFFL?
- How do I enroll in eFFL?
- How do I enroll in ePAY – FFL’s Online Bill Pay?
- Are there any fees to bank online with eFFL?
- What accounts may I view using eFFL, transact?
- How quickly are eFFL transactions posted to my account?
- Do I need any special hardware or software?
- How do I check my browser version and encryption level?
- What if my browser does not have 128-bit encryption?
- Why do I need 128-bit encryption?
- Is accessing eFFL private and secure?
- What do I do if I forget my Password?
- Why am I unable to login?
- Why am I receiving an error message?
- How do I enlarge the font size?
HOW DO I DO THE FOLLOWING:
- Access my Bill Pay while logged into eFFL Online Banking
- View my Account Information
- View my ENTIRE Previous Statement
- Change the Nicknames of my Accounts
- Download my Transactions to Quicken
- View Images of my Checks
How do I know if I am eligible to use eFFL?
All existing First Federal of Lakewood customers are eligible to use e-FFL.
How do I enroll in eFFL?
Enrollment may be completed online, via telephone or in any of our branches. If you apply online, you will receive an information packet in the mail within three to five business days which will include your Password; your initial Access ID is your social security number. If you apply via telephone or in person, you will receive your Password and will be able to access e-FFL immediately.
How do I enroll into ePAY, FFL’s Online Bill Pay?
You must first be enrolled in eFFL. If you are currently enrolled in eFFL there will be an option in the left side margin ‘Bill Pay’.
Are there any fees to bank online with eFFL?
There is no charge to use e-FFL or to make transfers between FFL accounts. See our regular schedule of fees and charges to find out how much and when other fees and charges may apply, such as overdraft, check reorder and stop payments, to name a few. All fee schedules are subject to change.
What accounts may I view using eFFL?
o Checking Accounts
o Savings Accounts
o Better Than A T-Bill Accounts
o Individual Retirement Accounts (IRAs)
o Simplified Employee Pension Plans (SEPs)
o Mortgage Loans
o Home Equity Lines of Credit
o Home Equity Loans
o Auto Loans
On what types of accounts may I transact?
o Checking Accounts
o Statement Savings Accounts
o Better Than A T-Bill Accounts
** Note: Accounts must be under the same ownership to transfer between them.
How quickly are eFFL transactions posted to my account?
If the transaction is initiated prior to 9:00PM EST, it will be posted immediately. If the transaction is initiated after 9:00PM EST Sunday through Friday, it will post by 7:30AM EST on the next day. If the transaction is initiated after 9:00PM EST on Saturday, it will post by 7:30AM EST on the following Monday.
Do I need any special hardware or software?
The minimum requirements to use eFFL are an Internet connection with a 128-bit encryption browser configured to accept cookies. Recommended browsers are Microsoft Internet Explorer 6.0 or higher OR Netscape Navigator 6.1 or higher. However, access can be gained through browsers in AOL and MSN.
How do I check my browser version and encryption level?
In your browser, you will need to go to your menu option HELP. Select ABOUT from the drop-down list. The next screen to appear will detail both your current browser version and encryption level.
What if my browser does not have 128-bit encryption?
If your browser does not have this encryption and you have the proper browser version, you can find information on how to upgrade your browser at www.microsoft.com.
Why do I need 128-bit encryption?
This is the safest level of encryption available on the Internet today. It allows FFL to transfer account information on a secured level.
Is accessing eFFL private and secure?
Yes. We use a system of firewalls that serve as an immune system to protect our information from unauthorized intruders. The system continuously monitors for any indications of a breach. Additionally, we use and require you to use a browser that supports 128-bit encryption. Also, we use an automatic "time out" system that will automatically log you off if, after 20 minutes of inactivity, you have not logged yourself off.
What do I do if I forget my Password?
Call Customer Service & More at 216-529-2700 (800-966-7300 outside Cuyahoga County) Monday through Thursday between 8:00AM and 5:00PM, Friday between 8:00AM and 6:00PM or Saturday between 9:00AM and 1:00PM or call or visit any of our branches Monday through Thursday between 9:00AM and 4:00PM, Friday between 9:00AM and 6:00PM or Saturday between 9:00AM and 1:00PM and a FFL representative will reset your Password.
Why am I unable to login?
Make sure you are entering your Access ID and Password properly. Both are case-sensitive. If you are logging in for the first time, please note that your Access ID is your social security number without any dashes.
Why am I receiving an error message?
o Enterprise Server Unavailable:
A connection cannot be established with FFL at this time. This is usually a temporary situation. However, there are times when the site may be down for scheduled or unscheduled maintenance. Try your connection again or at a later time and if you are repeatedly having difficulties, check with your Internet Service Provider (ISP) or FFL because there may be a connectivity problem.
o Insufficient Funds:
The account does not have sufficient funds to complete the transaction you are attempting. The account's available balance may not allow the entire transaction amount. Change to a smaller amount and try the transaction again. Contact us if you still cannot process the transaction.
o Invalid To Account:
The account you want to process a transaction to is not a valid account type. The account type may not be available for this request or may require special handling by FFL. Contact us for more information.
o Invalid From Account:
The account you want to process a transaction from is not a valid account type. The account type may not be available for this request or may require special handling by FFL. Contact us for more information.
o Memo Post Unsuccessful:
The transaction was rejected. Try to process the transaction again. Contact us if you still cannot process the transaction.
o Your Certificate Has Expired:
Login not accepted. Upgrade your Internet browser and attempt to log in again. Contact us if you are still unable to log in.
o An inactivity limit has been reached, and your online session has expired:
As a security feature, customers are automatically logged off after 20 minutes of inactivity. Click 'Back' and login again.
o Login Information Is Missing Or Invalid:
If you are logging on, Access ID and/or Password is missing or incorrect. Verify that both were typed correctly; both are case-sensitive. Note: After five unsuccessful login attempts, we will need to perform account maintenance. Contact us if that occurs. If you are processing a transfer, you may not be allowed to transfer funds between the two accounts. Contact us to determine whether or not you have transfer capability.
How do I enlarge the font size?
You may have the ability to adjust the fonts by going to your Internet Toolbar under Tools, Internet Options.