FAQ

Technicolor Federal Credit Union was founded in 1952.

If you are tired of dealing with fee-hungry banks, you should join Technicolor Federal Credit Union. We are a non-profit financial institution that caters to the needs of our members. We offer lower rates on loans and higher returns on savings, and less or no fees on many valuable financial services.

A credit union offers many if not all of the same services that a bank does, but with lower interest rates on loans, higher returns on savings and lower or no fees on services. A credit union is accountable to the shareholders (the members, depositors, borrowers, etc.) as opposed to a bank that is only accountable to its shareholders (stockholders & wealthy financiers).

Yes, the National Credit Union Administration (NCUA), a U.S. federal government-backed agency insures savings and deposits. For more information about NCUA insurance, go to NCUA.gov to view the details of the security you have with the credit union.

You can access your accounts with online banking on the internet, with the 24/7 FYI Audio Response Teller by telephone, and in person at one of our two convenient branches in Burbank and Hollywood.

For after-hours and 24/7/365 support, you may use our automated telephone FYI Audio Response Teller. Download our FYI Teller User Guide.

Our mailing address is:

Technicolor Federal Credit Union
434 W. Alameda Ave.,
Burbank, CA 91506

Our routing number is 322079324.

Our main telephone number is (818) 973-4900. For account questions please dial extension “0” and for loan questions please dial extension “3” when you hear the prompt.

Our regular business hours for the Burbank branch are Monday through Friday from 8:30 AM to 4:00 PM. Our regular business hours for the Hollywood branch are Mondays, Thursdays and Fridays from 8:30 AM to 4:00 PM.

That’s easy! Most of our members have multiple financial institutions. The best thing to do is to fill out a Direct Deposit Form by clicking here and select to deposit all of your paycheck or a specific dollar amount each pay period (i.e. $500.00, or $250.00 or $50.00, etc …) into your Technicolor Federal Credit Union account. That way if you ever need access to cash you can always have it available at one of our branches or one of over 30,000 surcharge-free CO-OP ATMs. Click here to locate one of our branches or a surcharge-free ATM near you.

FICO^® is a credit score developed by a company once known as Fair Isaac Corporation. It is a number that lenders use to understand your credit risk level. The higher the score, the better. Click here to better understand the importance of your FICO^® score.

Verified by VISA^® is an added protection to your VISA^® card that keeps transactions private. For more information, click here.

MasterCard^® SecureCode^™ is an added protection to your debit card that keeps transactions private. For more information, click here.

For a schedule of fees, see here.

Your account security is important to us. Find the information you need here.

Technicolor Federal Credit Union is a trusted source to wire funds out or receive wired funds into your accounts. Click here or read the following: For outgoing wires less than $1,000.00, download our online member wire transfer agreement and fax to (818) 973-4912. After sending your fax, please call us at (818) 973-4900 to ensure we have received your request. Those requests received by 12:00 PM for outgoing wires will be processed that day.
Requests for outgoing wires greater than $1,000.00 must be completed in person at the branch location. For incoming wires, download our incoming wire instructions and provide them to the financial institution sending a wire to your TFCU account.

Employees of our approved companies and their immediate family members are eligible to become members and open accounts with the credit union. To learn more about membership eligibility, click here.

The credit union offers many different types of accounts including savings, checking, premium checking, business accounts, youth accounts, money market accounts, certificate accounts, IRA and Roth IRA accounts and more.

A regular Checking account is a basic Checking Account. With an average daily balance of $2500 or more, the monthly service charge is waived. The Plus Checking account earns interest, and has more benefits including free online bill epay and more. To see more information about checking accounts, click here.

Yes! Simply place your check in a sealed envelope and specify your member number and account suffix (example: “123456-00” for savings or “123456-10” for checking). If you don’t know your full account number you may call the credit union or log in to online banking. Please refrain from sending cash in the mail.

You may order new checks online or by calling the operations department at (818) 973-4900.

We offer cashier’s checks for a nominal fee. Requests must be made in person at one of our branches during regular business hours.

You can place a stop payment on a check for a nominal fee.

You may view copies of cancelled checks in online banking, although please be advised that records may not be available for some dates. Copies of checks can also be ordered in person for a nominal fee at one of our branches during regular business hours.

Due to the lack of popularity among our membership, the credit union no longer offers traveler’s checks. We recommend using your debit or credit card while traveling abroad to limit exchange conversion fees, but please let us know in advance of your plans so we can make sure your account is not blocked when you need to use it.

Most companies require you to fill out a form to set up direct deposit. You can request one from your payroll or human resources department, or you may download one from the credit union. Simply input your credit union account number and suffix (example “123456-00” for savings and “123456-10” for checking) on the form and submit it to your payroll department. If you have any questions please contact our operations department at (818) 973-4900 during regular business hours.

Depending on what day of the week your new account application was processed it may take between 7-10 business days to receive your debit card. You must also make an initial deposit by cash or check before your first card will be issued.

7-10 business days is the standard turnaround for receiving checks after an order has been placed.

The minimum balance for a regular share savings account is $20.00.

There is no minimum balance for a regular checking account, and you must simply make one (1) transaction per year of $1.00 or more to keep it open. There is a $1,000.00 minimum balance for a Plus checking account (premium checking account).

Each member is limited to a maximum of 6 per month includes automatic transfers, online transfers, and withdrawals through the ATM. Withdrawals can also be made in-person or over the phone with a live person.

To close your account, please contact our member services department at (818) 973-4900 and request an account closure form.

We offer “crew” savings accounts for kids with a low minimum balance. This account comes with online banking so you can start teaching your children how to financially savvy at an early age.

We offer loans for mortgages (1^st and 2^nd), home equity lines of credit (helocs), car loans (private party sales too), motorcycle loans, boat loans, recreational vehicle (RV) loans, and mobile home loans. We also offer payday loans, personal loans, emergency loans, big ticket loans (loans for a new computer, appliance, vacation or more) and share secured loans and more!

The process can be as quick as the same day. To expedite the process, have your paystubs, W-2s, tax returns, and any other required documentation ready to speed up the process. Our loan officers will work expeditiously to give you a decision on your loan.

You can apply for a loan in one of our branches during normal business hours or online by logging into online banking and clicking on “online loan application.” For mortgage applications visit our TFCU mortgage center to start your application.

The credit union refinances loans from other lenders. This includes refinancing auto loans, personal loans, home loans, and even balance transfers of your existing debt at another institution. All you have to do is contact our loan department at (818) 973-4900 and ask how to refinance your loan today!

The credit union offers auto loans on new and used cars, even cars purchased from a private party, family member or friend. With these loans, our members can save money with flexible terms.

The credit union offers extended warranties (mechanical breakdown insurance) and gap insurance at significant discounts compared to more expensive car dealers. If you just bought a car and realized it would be cheaper to refinance with the credit union, ask us how we might be able to get you a refund on your gap or warranty that you purchased and have it replaced with a cheaper alternative with the credit union.

0% financing can actually be more expensive than taking a rebate from the dealer and getting a low rate credit union auto loan. Another option is to contact our Auto Alliance partners discount car buying service and search their inventory of new and used vehicles that are less expensive than the dealer. Plus, our partners won’t try to sell you an expensive warranty or gap policy; they’ll help you get a cheaper one from the credit union.

If you own a vehicle that is paid off and need a personal loan, you can use your paid-off car as collateral to get a lower rate on your personal loan.

All members are required to hold insurance on their vehicles at all times with minimum coverage amounts. Please make sure you satisfy this requirement or insurance may be forced-placed on your vehicle, which may result in an increase in your principal balance and monthly payments. This is done to protect you and the credit union in case your car is stolen or damaged in an accident. If you have any questions, contact the credit union at (818) 973-4900 and ask to speak to our collections department about insurance requirements.

Technicolor currently offers loans in the states of California (CA), Oregon (OR), Arizona (AZ), Texas (TX), and New York (NY).

A home equity line of credit is different than a 1^st or 2^nd mortgage because the monthly payment is based on the amount of money that is drawn from the line of credit. There are two periods of the loan: the draw period (where a borrower can use the line of credit), and the repayment period (where the line of credit can only be paid off). This instrument is typically only available in properties with available credit.

The credit union offers alternative payday loans for those struggling to stay afloat. These loans have amounts between $250.00 and $1,000.00, have terms of 1-6 months and have interest rates between 18.00% and 28.00%. There is also a nominal fee charged for this loan.

The credit union offers personal and emergency loans for a variety of needs. If you need funds for an unexpected event, ask our loan department how they can help.

A big ticket loan is a loan that can be used for just about anything.

Yes! The credit union can help you transfer the balance of your credit card or loan from another bank or credit union. A nominal fee may be charged for this transaction.

Yes! The credit union offers secured credit cards for members who have no credit history or who want to improve their credit. Approval for this card is guaranteed.

Our interest rates on our credit cards are fixed rates.

You can pay your VISA^® payment with automatic payment or by mailing in a check by the due date.

Yes, if you have never had a credit card or loan before, we offer secured VISA^® credit cards. These cards can help you build your credit score and are secured by a deposit into your savings account.

Yes, you can receive a secured VISA^® credit card if you have poor credit or a past bankruptcy.

To apply for an increase in your VISA^® credit limit, please contact our loan department at (818) 973-4900 to apply today.

To activate your VISA and set a PIN, please call (800) 290-7893

It costs a nominal fee to replace your damaged or lost debit card and normally takes 7-10 business days to receive it in the mail. Please see our Fee Schedule for current rates.

Please contact us to report it immediately.

Please call the branch (818) 973-4900.

Please call the branch (818) 973-4900.

Please visit our Account Security page to learn how you can protect yourself against identity theft.

MasterCard^® SecureCode^™ is a service to enhance your existing MasterCard^® debit card account. A private code means added protection against unauthorized use of your card when you shop at participating online retailers.

Once you’ve registered and created your own private SecureCode^™, you will be automatically prompted by your financial institution at checkout to provide your SecureCode^™ each time you make a purchase with a participating online merchant. Your SecureCode^™ is quickly confirmed by your financial institution and then your purchase is completed. Your SecureCode^™ will never be shared with the merchant. It’s just like entering your PIN at an ATM.

When you correctly enter your SecureCode^™ during a purchase at a participating online merchant, you confirm that you are the authorized cardholder and your purchase is then completed. If an incorrect SecureCode^™ is entered, the purchase will not be completed. Even if someone knows your credit or debit card number, the purchase cannot be completed without your SecureCode^™ at a participating merchant.

You will be able to use any of your existing MasterCard^® credit or debit cards, as long as the cards are from a participating financial institution. If you’re not sure if your financial institution provides this service, please review our list of participating financial institutions. If you don’t see your financial institution listed, check back frequently as the list is updated.

We encourage you to register all of your MasterCard^® cards. There is no limit on how many cards you can register.

Enrollment is at the account level so the password must be shared.

There are more than 350,000 enrolled merchants today and we continue to add new merchants every day. Please check back periodically to see which new merchants have been added to the list. When buying from merchants who do not yet participate in SecureCode^™, you will still be protected from unauthorized purchases with Zero Liability from MasterCard^®.

Because there’s no special software to install, you can shop from any computer meeting the system requirements outlined above and still receive the added protection afforded by MasterCard^® SecureCode^™.

Your Credit Union will automatically update this information in your profile.

You will need to register the new card for MasterCard^® SecureCode^™. Simply return to the registration site, and complete the registration process with your new card.

Most participating merchants will display the MasterCard^® SecureCode^™ logo on their site. However, even if you don’t see the SecureCode^™ logo, the merchant may still be a participant and you will be prompted to provide your SecureCode^™.

When you use a card that is enrolled in the MasterCard^® SecureCode^™ program at participating online merchants, the merchant automatically recognizes your MasterCard^® card number during the transaction.

There is no need to log in or sign in. When you make a purchase at a participating merchant and enter your registered MasterCard^® payment details, you will automatically be prompted by your financial institution to enter your SecureCode^™. After reviewing the details of your purchase and confirming that your Personal Greeting is correct, simply type in your SecureCode^™ to complete your purchase.

The Personal Greeting is a message that you create during sign-up. Each time you make an online purchase at a participating merchant, you will be prompted to enter your SecureCode^™. At this time, you’ll see your Personal Greeting and other purchase details. The Personal Greeting is your assurance that you are communicating with your Credit Union. If the Personal Greeting displayed in the pop-up box is incorrect, you should not enter your SecureCode^™, but should instead contact our Customer Service immediately by calling the phone number on the back of your enrolled MasterCard^® card, to report possible fraud.

If you forget your SecureCode^™ when making an online purchase, you will be supplied with your Secret Question. If you then supply the correct Answer, your purchase will be completed. Once your purchase is completed, you should visit the registration site, click on the “Forgot SecureCode^™” link and follow the subsequent instructions.

The online purchase process will not change except that now you will be prompted to provide your SecureCode^™ during checkout. Your SecureCode^™ will never be revealed to the merchant during the checkout process.

Yes, you will not be asked for your SecureCode^™ during these purchases.

TFCU continues to provide and enhance services to protect your identity and security online when performing online transactions. Verified by VISA^® is an added extra layer of security for online purchases so you can feel confident whenever and wherever you use your card. Only you know what your code is—retailers aren’t able to see it so you can trust that your transactions are secure and get independent approval every time. Verified by VISA^® is only one component of our security systems to prevent, detect, and resolve security issues. Specifically designed to make online shopping experiences safer and more secure, Verified by VISA^® gives you extra control over your Internet transactions. Verified by VISA^® is accepted all over the web in more than 350,000 online retailers. Look for the logo when you are providing your payment information.

You can deposit checks at over 9,000 ATMs worldwide. Simply type your zip code into the ATM locator to find an ATM near you.

Yes, you can, simply place a note on the check stating which account and suffix number (example, “account #123456-10”) to deposit the funds into.

There is no surcharge to use ATMs on the CO-OP Network. Using other ATMs may result in a surcharge from that institution and the credit union.

To get access to online banking call our operations department at (818) 973-4900 and request to sign up for online banking.

You can reset your password by contacting the credit union’s operations department at (818) 973-4900 and ask to reset your password.

You can get free access for online bill ePay by opening a spectrum plus checking account (premium checking) or by making direct deposits of over $300.00 per month to your credit union account.

Please allow a minimum of 7 days for the payee to be credited.

You can sign up online by going to the Home Banking login page. Enter your User ID, which is your membership number, and pre-assigned password. Select the Online Statement button. This will take you to the Electronic Delivery Disclosure Agreement. After reading this agreement, enter the requested information and click the Agree button. That’s it!

Go to the Home Banking login page. Enter your User ID, which is your membership number, and pre-assigned password. Select the Online Statement button. This logs you into the system and takes you to your available statements.

Once you log in to the system, you can navigate through your statements by simply clicking on one of the statements available. Note: Statements may not be available electronically until the next statement cycle.

Yes, you do have to be a Technicolor Federal Credit Union Home Banking user to view your statements. Setting up Home Banking is simple. First-time users enter your User ID, which is your membership number, and pre-assigned password. If you need assistance, call us at (818) 973-4900 and we will enable your account. Once you are logged in to Home Banking the Online Statement button will take you to the Online Statement system.

Yes. You will receive an email to notify you that your statement is ready to view online.

Your electronic statements will look very similar to your printed statements and will contain all the information that you previously received by mail.

You can select from any of the statements reflected on the screen.

To view the disclosure information, simply click on the Disclosures icon at the top of the page.

To resolve possible statement discrepancies, contact us via telephone at (818) 973-4900, come into the branch, or click on the Reconciliation Form link at the top of your screen for more information.

Select the Delivery Options link at the top of your screen. Select the option for “U.S. Mail” and then click the Submit Changes button.

You may update your email address within CU Anywhere Home Banking.

Any system that has internet access meets the minimum requirements for Technicolor Federal Credit Union Online Statements.

For ideal viewing, we recommend that you set your monitor resolution at 1024 x 768 (or higher) and default font size to “small”. However, minimum resolutions of 800×600 work just fine.

For maximum performance, we recommend that you use any browser that supports HTML Version 4.0 or higher, such as Microsoft^® Edge, Chrome, or FireFox.

Select the save option on the upper left of the Online Statement. Note: The save option currently only saves in Microsoft^® Internet Explorer format.

Yes, you can pay anyone including your cable company, doctor, or Uncle Charlie.

No, the application only accepts payments from demand deposit (checking) accounts.

Yes, just click the Cancel link in the Pending Payments section on the Make Payments page.

If the payee is being paid with either a paper check or an electronic payment, the amount of the payment will be deducted from your account within 2 business days of the payment processing date.

Yes, you don’t need an account number to make a payment.

You are the only person who can authorize payments to be issued by us against your account. Our representatives access your account information on a need-to-know basis, and only with your approval.

Just enter the name of the person or business you want to pay in the Pay Someone New entry box and click Add. Next, provide the required information and click Continue. If we need additional information, a second Pay Someone New window appears. That’s it—the person or business will be added to your list and is ready to be paid.

You can sign up online by going to the Home Banking link. This takes you to the Home Banking login page. Enter your User ID, which is your membership number, and pre-assigned password. Select the Online Statement button. This will take you to the Electronic Delivery Disclosure Agreement. After reading this agreement, enter the requested information and click the Agree button. That’s it!

Select the Home Banking link. This takes you to the Home Banking login page. Enter your User ID, which is your membership number, and pre-assigned password. Select the Online Statement button. This logs you on to the system and takes you to your currently available statements.

Once you log on to the system, you can navigate through your statements by simply clicking on one of the statements available. Note: Statements may not be available electronically until the next statement cycle.

Yes, you do have to be a Technicolor Federal Credit Union Home Banking user to view your statements. Setting up Home Banking is simple. First-time users enter your User ID, which is your membership number, and pre-assigned password. If you need assistance, call us at (818) 973-4900 and we will enable your account. Once you are logged on to Home Banking the Online Statement button will take you to the Online Statement system.

Yes. You will receive an email to notify you that your statement is ready to view online.

Your electronic statements will look very similar to your printed statements and will contain all the information that you previously received by mail.

You can select from any of the statements reflected on the screen.

To view the disclosure information, simply click on the Disclosures icon at the top of the page.

To resolve possible statement discrepancies, contact us via telephone at (818) 973-4900, come into the branch, or click on the Reconciliation Form link at the top of your screen for more information.

Select the Delivery Options link at the top of your screen. Select the option for “U.S. Mail” and then click the Submit Changes button.

You may update your email address within CU Anywhere Home Banking.

Either stop by a branch, call us at (818) 973-4900 or email us at [email protected].

Any system that has internet web access meets the minimum requirements for Technicolor Federal Credit Union Online Statements.

For ideal viewing, we recommend that you set your monitor resolution at 1024 x 768 (or higher) and default font size to “small”. However, minimum resolutions of 800×600 work just fine.

For maximum performance, we recommend that you use any browser that supports HTML Version 4.0 or higher, such as Microsoft^® Edge, Firefox, or Chrome.

Select the save option on the upper left of the Online Statement.

Security refers to preventing unauthorized access to a computer system or network. Internet Banking uses several layers of technology to prevent unauthorized users from gaining access to the internal network. Internet Banking’s security professionals manage a sophisticated networking architecture that includes screening routers, filtering routers, and firewalls. The Internet Banking section is automatically secured/encrypted, but the rest of the website can be accessed as either secured or unsecured.

If you can view the other areas of our website but are unable to access Internet Banking, it may indicate a problem accessing all secure websites. Both your browser and Internet service provider must support secure sites. This website is designed for Microsoft^® Internet Explorer 8.0 or higher, Mozilla Firefox 4.0 or higher, or Safari 6.0 or higher for Macintosh. Using other browsers may cause web pages to appear misaligned and prevent access to Internet Banking. IMPORTANT: It is highly recommended that newer browsers be used to access Internet Banking. If you are using one of the browsers mentioned above and are still experiencing a problem, the problem may lie with the internet service provider. This is particularly common with employer-based access to the Internet. Your employer may have firewalls, proxy servers, or other equipment that may prevent access to secured sites. Contact your company’s Data Processing Department regarding the problem or try to access Internet Banking from another location. IMPORTANT: When reporting problems to our Customer Service, have as much information ready as possible (e.g., browser version, etc.). Receiving the following message after logging in successfully will stop all further processing and/or access to any portion of Internet Banking during this session: “Internet Account Access Session Error.” Return to the login screen to start a new session. This error indicates that you did not accept one or more cookies. In order to enter the secured encrypted site, you must accept the cookies. Since there are several within Internet Banking, it is suggested that you disable the cookie alert within your browser while viewing account information. IMPORTANT: If you are prompted with a dialog box that asks you to re-enter your password, (after initially entering your User ID and Internet Banking password), your browser may not support JavaScript^™, or JavaScript^™ may not be enabled. An upgrade may be necessary. If you have already upgraded your browser, the “Enable JavaScript” function may be disabled. To enable JavaScript^™ in Microsoft^® Internet Explorer 8+:

1. Click on TOOLS.
2. Select INTERNET OPTIONS.
3. Click on the SECURITY tab.
1. Set the Security Level for the Internet Zone to MEDIUM.
2. Click on the button marked “Custom Level”
3. Under Java Permissions make sure the radio button is set to Medium Safety.
4. Under Scripting of Java Applets make sure the radio button is set to ENABLE.
4. Click on the PRIVACY tab.
1. Set the Privacy Setting to MEDIUM.
2. Click Apply.
5. Click on the ADVANCED tab.
6. Click on OK until exited completely from options.

To enable JavaScript^™ in Safari 6+:

1. From the menu bar, click/select the Safari menu.
2. From the Safari menu, select “Preferences…”.
3. In the Preferences window, click the “Security” icon/tab.
4. In the “Web Content” section,
1. Click (ON) the checkbox for: “Enable plug-ins”
2. Click (ON) the checkbox for “Enable Java”.
3. Click (ON) the checkbox for “Enable JavaScript”.
5. Close the Preferences window.

To enable JavaScript^™ in Mozilla Firefox 4+:

1. From the menu bar, click on “Tools”.
2. From the Tools menu, select “Options…”.
3. In the Options window, select the “Web Features” icon/tab.
1. Check (ON) the checkbox for “Enable Java”.
2. Check (ON) the checkbox for “Enable JavaScript”
4. Click on OK button to close the Options window.

To enable JavaScript^™ in Google Chrome:

1. From the Tools icon (wrench) select Options.
2. From the Options menu select Under the Hood.
3. From the Privacy menu select Content settings.
4. JavaScript: Allow all sites to run JavaScript (recommended).

Your online security is important to us, as well as providing you easy and convenient banking tools. Your online banking experience may include a new Enhanced Login Security service to further help protect you from identity theft which is known in the online security industry as Multifactor Authentication, or MFA. Authentication is the process used to allow access to only the correct customer. Without effective authentication controls, it is possible for fraudulent users to access your account. We authenticate customers by issuing challenges that only the true customer should be able to pass. Multifactor Authentication means that two or more different types (or factors) of authentication must be passed. By using two different factors of authentication, we get a higher assurance that the customer is the intended user. MFA is commonly used to protect transactions at ATMs, where your card is something you have, and your PIN code is something you know. For your convenience, after you successfully authenticate with your User ID, password and Login Security (One-Time Passcode (OTP) or Challenge Questions, if available), you may enroll your computer for use in authentication. If you choose to enroll your computer, a special Browser Cookie will be present on the system, which will act in place of your phone for something you have in your possession. We recommend you ensure that your browser settings and any antivirus software you have do not delete your cookies (data files) so that you are not prompted to provide Login Security (One-Time Passcode (OTP) or Challenge Questions, if available) every time you log into Internet Banking.

When you choose to enroll your computer as PRIVATE, a special Browser Cookie will be present on the system, which will act in place of your Login Security (One-Time Passcode (OTP) or Challenge Questions, if available). You will only need your User ID and password to access your account information. If you are still getting prompted to provide your Login Security, then please ensure that you have the following:

• Using one of the Recommended Operating Systems for Internet Banking
• Using one of the Recommended Browsers for Internet Banking
• Browser is not set to delete cookies – Please follow the steps listed in this help for your respective browser to determine if cookies are being deleted
• Any antivirus software is not set to delete cookies
• No viruses or malware on your computer
• No usage of a proxy server or “web accelerator” by your internet service provider
• If using a computer from work, verify that your office technical department is not automating the deletion of cookies

When you choose to list your computer as PUBLIC, you will need to provide your User ID, password and you will be prompted to provide your Login Security (One-Time Passcode (OTP) or Challenge Questions, if available) each time you log into your account. We recommend this setting when logging in from a library or school computer.

To ensure security, we recommend the following: Never reveal your password. Password refers to your telephone access (audio response system, not Bill Payment) password or the password that you selected when you signed up for Internet Banking. We may alternatively use a different name (e.g. “PIN”). If you have questions about what to enter in order to access Internet Banking for the first time, contact our Customer Service.

• Important: Some browsers allow you to enable a function to require passwords for specific sites or certifications. In that instance, you should enter the password for the browser.
• Passwords are case sensitive. Mixing uppercase and lowercase letters are permitted.
• You can change your Internet Banking password under User Options at any time. It is recommended that you change your password every six months.
• Warning: We do not have access to your password. In the case of a forgotten password and/or challenge questions, contact our Customer Service and ask them to reset your password for Internet Banking.
• Use the Sign Off icon to end an Internet Banking session. This will securely close out your Internet Banking session and expire all the cookies that were set in your session. Do not use the Back key.
• Important: If you do not exit the browser, the browser will allow you to use the Back key to get back into your Internet Banking session should you wish to explore another site.
• The amount of time you can remain inactive before being automatically logged out of Internet Banking can be set under User Options.
• Warning: For your own security, keep this time setting as short as possible.
• It is recommended that you balance your account at least once a month so that any discrepancies can be reported in a timely manner.

Internet Banking is optimized to use with certified/recommended operating systems. By using a different operating system, you may not be able to take full advantage of all the features within Internet Banking. Here is a list of recommended browsers.

• Windows Vista
• Windows 7
• Macintosh OS X

Our site is optimized for use with certified/recommended browsers. If you use a different browser, you may not be able to take full advantage of all the features of the site. NOTE: At this time Google Chrome is a supported browser, not a recommended browser. In addition, if America Online (AOL) is embedded within a certified browser, it is also considered to be supported. Otherwise, AOL is no longer a recommended or supported browser and has not been tested as thoroughly as a recommended browser. Be sure to select a recommended or supported version when downloading at the following locations:

• Microsoft Internet Explorer 8+
• Mozilla Firefox 4+
• Safari 6

Cookies are small text files on your system, used to keep track of settings or data for a particular site. Websites can use cookies to identify a returning user or to pass information between web pages in a single visit. There are two types of cookies: temporary and permanent. Temporary cookies are used and tracked by the browser to pass information and are deleted once the browser is shut down. Permanent cookies are stored on your system and can be accessed again for multiple visits. Permanent cookies usually have an expiration date and will be automatically deleted from your system at that time. Internet Banking uses temporary cookies and may use permanent cookies, but never passes private information through cookies. An example of how Internet Banking uses a temporary cookie is in the demo. The browser uses the cookie to either show or hide the overview depending on the user’s choice. Every time the demo is used, that cookie will be used and deleted once the demo is exited or the browser is shut down. Internet Banking also uses a different kind of temporary cookie known as a session cookie, a non-persistent cookie, or a pre-expired cookie. This cookie is used as part of the stringent security measures in Internet Banking to make sure that each page in Internet Banking is not cached or saved on your system. This means that each page must be retrieved from the Web server. This cookie is deleted when a user logs or times out of Internet Banking or if the browser window is closed and ensures that another user on the same computer cannot access the previous user’s Internet Banking session or information. If you use Enhanced Security, Internet Banking may place a secure permanent cookie on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to a computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used to validate your identity and does not contain any personal information.

JavaScript^™ is a widely accepted, simple programming language that allows a Web site to be more interactive. Web sites can use JavaScript^™ to perform many actions such as calculations, displaying dynamic navigation, and rotating through banner images. By using JavaScript^™, Web sites can be proactive by making a better internet experience. An example use of JavaScript^™ in Internet Banking is form validation. Validation is simply enforcing certain rules in different fields. When presented with a phone number field, JavaScript^™ can alert the user if the phone number format is incorrect or if a value in the field is not a number. This allows the form to be filled out and submitted correctly the first time. If JavaScript^™ is not enabled, some or all of the Internet Banking features may not work. In most browsers, JavaScript^™ is enabled through the adjustment in Security Settings. Please refer to the specific section for your browser by clicking on the link located in the index at the top of the page.

Before initiating your Internet Banking, we first require that a “secure session” is established using Secure Socket Layer (SSL) encryption. This is a process where the information between our server and your browser is encrypted or scrambled so it cannot be read by unauthorized parties. A general indicator that you have entered a secure session is when the URL (web address) in the address bar starts with “https” (note the “s” at the end) rather than “http”, your session is secure.

The content of a website is created to be best viewed in a range of display sizes or screen resolutions. The display size maximum is determined by your monitor’s maximum display area (by maximizing your browser window) and the display size minimum is user controlled by resizing the window to be smaller than the maximum area allowed. By viewing a website at or above the recommended display size or screen resolution all the website content can be seen without scrolling left to right. Each website will vary with their recommended display size or screen resolution, but the most recommended browser display size is 1024 width by 768 height (1024 x 768). Your monitor’s display size, sometimes referred to as the desktop area is a setting controlled by your Operating System. Please refer to your Operating System documentation on how to determine and change your display size.

Internet Banking most commonly uses PDF files for Online Statements and Check Images. Adobe Acrobat Reader is a free browser plug-in that can read certain document file types known as PDF (portable document format). Having this plug-in allows you to read a PDF file from your browser window rather than having to open the Adobe Acrobat program to read the file. If you need Adobe Acrobat Reader, click here and follow the directions on Adobe’s website.

Browser Settings: If your Browser Test Utility states that you are using Internet Explorer 7 and you know that you are running IE 8, IE 9, or IE 10/11, you may be running in Compatibility View Mode. To turn it OFF, click Tools icon in the menu bar then click on Compatibility View mode in the drop-down list (it’s a toggle switch). If the checkmark disappears in the menu list, then Compatibility View mode has been shut off and your browser version should now display correctly whenever you check it.

If you are using Internet Explorer 10/11, you may be deleting your cookies automatically and will need to change that setting in order to more easily access online banking (skip entering the verification code).

1. To properly access Online Banking solutions you will need to enable first-party and third-party cookies.
2. Open your browser, click on TOOLS (also known as Gear icon).
3. Select Internet Options.
4. In the GENERAL tab, under the heading Browsing history, uncheck the ‘Delete browsing history on exit’ checkbox.
5. Click on the Privacy tab.
   1. Click the “Advanced” button.
   2. Select the “Override Automatic Cookie Handling” checkbox.
   3. Select ‘First-party Cookies’ and ‘Third-party Cookies’, if needed.
   4. Select the “Always Allow Session Cookies” checkbox.
   5. Click the OK button.

1. Open your browser, click on TOOLS (also known as Gear icon).
2. Select INTERNET OPTIONS.
3. Click on the SECURITY tab.
1. Set the Security Level for the Internet Zone to Medium-high. (if slider bar is not available, click on the button “Default Level”).
2. Click the OK button.
4. Click on the PRIVACY tab.
1. Set the Privacy Setting to MEDIUM.
2. Click on the button “Advanced”.
3. Put a checkmark next to “Override Automatic Cookie Handling”.
4. Under First-party Cookies make sure the radio button is set to ACCEPT.
5. Under Third-party Cookies make sure the radio button is set to ACCEPT.
6. Put a checkmark next to “Always Allow Session Cookies”.
7. Click the OK button.
5. Click on the ADVANCED tab.
1. Under Security make sure the checkbox for “Do not save encrypted pages to disk” is blank.
2. Under the Security Section, put a checkmark next to “Use SSL 3.0” and “Use TLS 1.0”.
6. Click on OK until exited completely from options.
7. Then close all browser windows (resets the IE browser settings) and start up the browser again.

WARNING! MFA Impact – Doing this will cause an end-user to be challenged at login on an authorized computer.

1. Open your browser, click on TOOLS (also known as Gear icon). Select INTERNET OPTIONS.
2. Click the GENERAL tab.
3. Under Browsing History, click the ‘Delete…’ button.
4. In the Delete Browsing History popup window, put a checkmark next to Temporary Internet Files. User may decide whether to put a checkmark in all other boxes in this window.
5. Click on the ‘Delete’ button at the bottom of the popup window.
6. Click on OK until exited completely from options.

WARNING! MFA Impact – Doing this will cause an end-user to be challenged at login on an authorized computer.

1. Open your browser, click on TOOLS (also known as Gear icon).
2. Select INTERNET OPTIONS.
3. Click the GENERAL tab.
4. Under Browsing History, click the ‘Delete…’ button.
5. In the Delete Browsing History popup window, check the box for Cookies. Uncheck all other boxes in this window, with the possible exception of ‘P/reserve Favorites website data’.
6. Click on the ‘Delete’ button at the bottom of the popup window.
7. Click on OK until exited completely from options.

The privacy of communications between you (your browser) and our servers is ensured via encryption. Encryption scrambles messages exchanged between your browser and our online banking server.

• When visiting online banking’s sign-on page, your browser establishes a secure session with our server.
• The secure session is established using a protocol called Transport Layer Security(TLS) Encryption. This protocol requires the exchange of what are called public and private keys.
• Keys are random numbers chosen for that session and are only known between your browser and our server. Once keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server.
• Both sides require the keys because they need to descramble (decrypt) messages received. The TLS protocol assures privacy, but also ensures no other website can “impersonate” your financial institution’s website, nor alter information sent.
• To learn whether your browser is in secure mode, look for the secured lock symbol at the bottom of your browser window.

The numbers used as encryption keys are similar to combination locks. The strength of encryption is based on the number of possible combinations a lock can have. The more possible combinations, the less likely someone could guess the combination to decrypt the message. For your protection, our servers require the browser to connect at 128-bit encryption (versus the less-secure 40-bit encryption). Users will be unable to access online banking functions at lesser encryption levels. This may require some end users to upgrade their browsers to the stronger encryption level.

• Click “Help” in the toolbar of your Internet browser
• Click on “About [browser name]”
• A pop-up box or window will appear.
• For Internet Explorer: next to “Cipher strength” you should see “128-bit”

If your browser does not support 128-bit encryption, you must upgrade to continue to access the website’s secure pages.

Both browsers recently designated as supported for use with DI products, Firefox 1.0 and Safari 1.2, use strong 128-bit encryption when accessing secure sites, to ensure safe and secure transmittal of private data such as account and payment information.

Firefox – In Firefox, this option is not visible until connected to a site. Negotiation occurs between the client browser and the server at run-time. To view the encryption level being used while connected to a specific secure site, you can do the following:

• Click to the ‘Tools’ menu
• Select ‘Page Info’
• Click the ‘Security’ tab
• Or: double-click the yellow ‘lock’ icon in the lower right corner of the screen while connected to a secure site.

Safari – The Safari browser displays a ‘lock’ icon at the top right corner of the browser window when you’re viewing a secure (https://) site. This symbol is absent when viewing an unsecured (http://) site. Safari can use both 40-bit and 128-bit “strong” encryption; the website determines which level of encryption is used at a given time. Other browsers that support 128-bit encryption also may work. More information on some common browsers is available via these links:

• Microsoft Internet Explorer
• Firefox
• Safari

Having access to your account when you aren’t near a computer has never been easier! Access our 24/7 Account Service FYI Audio Response Teller from any telephone. Long-distance rates may apply. To access 24/7 FYI Audio Response Teller, you will need to call one of these numbers and enter your account number and your secret PIN Access Code:

1. (818) 973-4910
2. (818) 973-4900
3. (800) 835–5394

Download our FYI Teller User Guide and learn more about how to start using this service and to quickly navigate through the 24/7 Audio Response FYI Teller.

FYI Audio identifies you by your account number and your secret PIN Access Code. You can protect your account by not providing this information to anyone. If you require assistance in obtaining or resetting your PIN Access Code, please contact the credit union at (818) 973-4900.

Download Frequently Asked Questions about our Enhanced Login Security

Yes, we provide complementary and low-fee notary services for notarizing your credit union and other documents. Please contact our member services department at (818) 973-4900 for more details.

When credit union members take on a new financial obligation like a loan, they often ask about what would happen in the event of a death or disability. That’s where loan protection insurance comes in. Credit life and disability insurance can be a big help financially when difficult circumstances arise. Here are a few basic questions about this important financial protection available to credit union members.

Loan protection insurance is credit insurance directly tied to your loan. Credit life insurance pays off the loan (or reduces it) if the borrower dies. Credit disability insurance takes over the loan payments if the borrower becomes disabled.

Loan protection insurance takes care of a specific need. It’s designed to make sure debt doesn’t become a burden if the borrower dies or becomes disabled.

At some time during the process of taking a loan, you’ll be given a chance to enroll in the loan protection program sponsored by your credit union. You’ll also be informed of the cost. If you want loan protection, typically you won’t have to go through a long approval process. Your insurance will become effective as soon as your loan is finalized and the first premium is paid.

It offers a convenient, affordable way to make sure their family or loved ones wouldn’t be saddled with the burden of debt in the event of death or disability. The cost is usually quite affordable.

The cost of credit insurance is determined by your loan balance, not by your age, as it is with most other types of insurance. Your premiums only reflect the cost to insure your loan. For convenience, your premiums are included in your loan payment.

Loan protection insurance is underwritten by CUNA Mutual, or, in some cases, other carriers. Ask your credit union for a complete description of carriers and plans.

That’s easy! Most of our members have multiple financial institutions. The best thing to do is to fill out a Direct Deposit Form by clicking here and select to deposit all of your paycheck or a specific dollar amount each pay period (i.e. $500.00, or $250.00 or $50.00, etc …) into your Technicolor Federal Credit Union account. That way if you ever need access to cash you can always have it available at one of our branches or one of over 30,000 surcharge-free CO-OP ATMs. Click here to locate one of our branches or a surcharge-free ATM near you.

A credit union is a valuable resource to help you save money each month on your loans and earn more on your savings. The credit union is a non-profit financial institution that passes savings on to you, the member. There are abundant benefits included in your membership including outstanding service, extremely competitive rates, and lower fees, and access to “Members Only Promotions”.

Simply fill out a membership application by clicking here or in one of our branches. All you have to do is make an initial deposit of $20.00.