On IE 5.0, follow these steps to enable cookies on your browser:

• Select Tools from the Menu bar, and select Internet Options. This will launch a pop-up Internet Options window.
• Select the Security tab, select the Internet icon, and click on the Custom Level button. This will launch a pop-up window which contains a scrollable list of all your internet security options.
• Scroll through this list until you see the Cookies section, and select Enable for the option: "Allow per-session cookies (not stored)."
• Click Ok to accept any changes you have made to your settings, and select Yes when asked if you want to accept these changes.

Your IE 5.0 browser now has cookies enabled.

To view Ent's website, we require Netscape or Internet Explorer 4 or higher.

Ent's minimum requirement for Online Banking is the standard 128-bit encryption that comes with any of the following browsers:

Windows 95/98/NT, Windows 3.1

• Microsoft® Internet Explorer 4.01 or later (with 128 bit encryption)
• Netscape NavigatorTM 4.06 or later (with 128 bit encryption)
• Netscape Communicator 4.5 or later (with 128 bit encryption)

Macintosh Power PC

• Microsoft® Internet Explorer 4.5 or later (with 128 bit encryption)
• Netscape NavigatorTM 4.08 or later (with 128 bit encryption)
• Netscape Communicator 4.5 or later (with 128 bit encryption)

The difference between these types of encryption is one of capability. 128-bit "high" or "strong" encryption is exponentially more powerful than 40-bit or 56-bit standard encryption. Think of it this way:

• Standard encryption (40-bit or 56-bit) – means there are 240 or 256 possible keys that could fit into the lock that holds your account information but only one that works for each Online Banking session. So there are many billions of possible keys that could potentially get to your account information – but only one that works each time you bank online.
• "High" or "strong" encryption (128-bit) – means there are 2128 (if you were to write the number down it would be 3.4 with 38 zeroes after it) possible keys that could fit into the lock that holds your account information, but only one that works for each Online Banking session. 128 bit encryption is a septillion times more secure than any other product. So a hacker attempting to get to your account information would need to use a whole serious of super computers connected together working for several years in order to find the one key to your 20 minute banking session.

Transfers to your Visa account are not supported by the "Transfers" function of Online Banking Service at this time. Your FIA Credit Card payment can be made by logging on to your account at https://www.ibsnetaccess.com/

A cookie is a file sent to a web browser by a web server that is used to record one's activities on a website. For instance, when you buy items from a site and place them in a so-called virtual shopping cart, that information is stored in the cookie. When the browser requests additional files, the cookie information is sent back to the server. Cookies can remember other kinds of personal information, such as your password, so you don't have to re-enter it each time you visit the site; and your preferences, so the next time you return to a site, you can be presented with customized information. Some people regard cookies as an invasion of privacy; others think they are a harmless way to make websites more personal.

Most cookies have an expiration date and either reside in your computer's memory until you close your browser or saved to your hard drive. By the way, cookies cannot read information stored in your computer.

You can use a text editor to view cookie files. For Windows users of Netscape Navigator, the file is called cookies.txt and is located in the same folder as Netscape. Macintosh users can find it in the Netscape folder in the System/Preferences folder. Internet Explorer creates separate files for each cookie and stores them in folders named Cookies or Temporary Internet Files.

To ensure the highest level or security, we have added a new security feature to our electronic services: randomly generated PINs.

In order to obtain a new PIN number you can either visit one of our Service Centers, where you can obtain your new PIN in person, or contact Member Services at 719-574-1100 or 800-525-9623 to have a new PIN mailed to you.

Our Bill Pay system service standard is 24 business hours to respond to an Ent member request. Our ability to resolve payment inquiries quickly is also dependent on the degree of merchant responsiveness.

You can contact our Call Center at (719)574-1100 ext 6767 or toll free
1-800-525-9623, ext 6767. You can also contact us via e-mail using our website at www.entfederal.com and using the "Contact Us" menu option. You can also log on to Online Banking and use the "Contact Us" option.

Bill Pay is FREE with an active Ent checking account.

Ent has taken precautionary measures to ensure that your information is safe, including:

Hosting all servers in-house to maintain full control.

Enforcing 128-bit high encryption for all banking sessions. This is the strongest available.

Deployment of a firewall, intrusion detection, reporting features, and staff dedicated to security.

Third party validation of our secured sites.

Automatic logoff for inactivity of more than 10 minutes.

Programming to ensure that your account information will not be compromised.

Online Banking users should:

Use PINs that contain numeric characters and would not be personal information that’s readily known.

Change your PIN periodically.

Never disclose your PIN to another person.

Never allow your PIN to remain resident on your computer.

Change your PIN immediately if you feel it has been compromised.

Contact the Credit Union immediately if you feel your password has been compromised.

Bill Pay lets you schedule and make payments as well as receive and pay bills online through Bill Pay. You can pay anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier. You can also set up automatic payments, such as a car payment or rent. You can schedule single payments up to a year in advance. The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments.

Go to the My Profile page and click Cancel Service at the bottom of the page. Before you cancel your service, keep in mind the following:

Pending payments, including automatic payments, are not paid.

You no longer have access to your payment history and you can no longer send payment inquiries. You should wait until all of your scheduled payments are processed before you cancel your service. If you let your scheduled payments process, then you won't have any outstanding payments that you can't view or inquire about after you cancel your service.

Your billers are notified to stop sending e-bills. However, it can sometimes take a few days for the biller to process the request. Therefore, until you begin receiving paper bills again you should contact the biller directly about your payment amount and payment due date. Because you can't send your payment using Bill Pay after you cancel your service, you should make your payment to the biller by some other means, such as a check.

If you decide to use Bill Pay again, you will need to contact us.

A Biller is a company, service, or individual you make payments to. Billers can be anyone who bills you, such as your phone company or credit card, or individuals, such as your landlord or newspaper carrier.

With the CheckFree Guarantee, you can be assured that your electronic payments are safe and reliable. When your payments are processed through CheckFree, you are protected in the unlikely event of unauthorized transactions or processing delays. For more information, go to CheckFree Guarantee.

You can pay anyone in the United States that you would normally pay by check or automated debit, with the following exceptions:

State and federal tax payments

Court-ordered payments

These payments are not guranteed because of special posting.

Updating your account information is fast and easy. We offer several convenient ways for you to update your address:

Fast 24-hour Online Access. You can update the information online through our secure Online Banking site. Just log on as you usually do, select the "Services" tab and then the "Change Address" option on the left side of the screen. And, if you’re not using Online Banking yet, just call us at (719) 574-1100 or 1-800-525-9623. We’ll be happy to update your address information and get you set up with anytime access to your accounts.

Just click here! You’ll find thousands of surcharge-free ATMs available to you through Ent and the CO-OP® Network.

You should receive your new card 1 week to 10 days prior to your old card’s expiration. Please Note: your new card must be activated prior to use. If you have any questions or concerns about your Visa Debit Card please contact us at (719) 574-1100 or 1-800-525-9623. Or, visit any of our member service centers.

Yes! Just click here to get started. For your future information, you can find a link to Online Banking or in the checking sections of the website.

Online orders will be filled using sequential check numbers and account information as it currently appears on your checks. You can update the check style if you’d like. If you prefer to order by phone, please call 1-800-355-8123. Online and telephone check reorders are available 24-hours a day, 7 days a week.

If you need to update the starting check number or if the name and address information printed on the checks needs to be updated, please call (719) 574-1100 or 1-800-525-9623.

By default, Internet Explorer 6.0 disables session cookies.

To enable cookies please complete the following:

Go to "Tools"

Go to "Internet Options"

Go to "Privacy"

Go to "Advanced"

Make sure the following options are checked:

Override Automatic Cookie Handling

Always allow session cookies

Prompt for 1st and 3rd party cookies

Click apply and/or OK to accept.

Ent's Routing number is 307070005. You can find more detailed information about routing numbers on our website, just click here.

You are eligible for Ent membership if you live, work, worship or attend school in:

El Paso County

Teller County

Denver County
or Zip Codes: 80010, 80011, 80012, 80018 and 80019.

Membership is easy! Just call us at (719) 574-1100 or 1-800-525-9623 today! Or, visit any of our member service centers -- we have more than a dozen locations to serve you!

More stores are registering every day. Click here to see the current list.

Call Ent at (719) 574-1100 or 1-800-525-9623 and ask for Card Services Support, extension 3616.

Verified by Visa is a new service that lets you shop online with added confidence. Through a simple checkout process at participating online stores, Verified by Visa confirms that you are the person using your Ent Visa Debit Card.

You can now view pending transactionson on your Savings, Checking, and Money Market Savings accounts.

The transaction date, a brief description of the transaction type, and the amount of the transaction.

Pending transactions are recently approved transactions that have not yet posted to your account. Examples include ATM and debit card transactions, ACH/automated payments, and direct deposit of checks.

Viewing Pending Transactions helps you monitor your account for accuracy and balancing and can give you peace of mind that account activity you were expecting is actually happening.

To keep your Online Banking account active, set up an automatic transfer or payment to your account on a monthly basis or simply log on once a month to view account activity.

You can reactivate your Online Banking and Bill Pay accounts by visiting one of our convenient service centers or by contacting our call center at 800-525-9623 ext 6767 or 719-574-1100 ext 6767. For security reasons we must verify certain account information that cannot be completed by e-mail.

Your account can become a Preferred account if it meets four of the (active) qualifying criteria’s :

A. Mortgage Loan or Construction Loan (Balance greater than $0)
B. Home Equity Loan /Home Equity Line of Credit (Balance greater than $0)
C. Any Consumer Loan (Balance greater than $0)
D. Visa Check Card (Usage within the last 30 days)
E. Ent eStatement
F. Online Bill Pay (use of Bill Pay within last 30 days)
G. Investment Services Relationship
H. Ent Wealth Management and Trust Services Relationship
I. Combined loan balances greater than $50,000
J. Combined deposit balances (including certificates) greater than $25,000
K. Ent member 10 or more years
L. Active or Retired Military

Yes. Members that have only a savings account will be subject to the same non-network ATMs fees as the Free Checking account. A complete list of surcharge-free ATMs is available on our website at Ent.com/atmlocations.

Just click here! You’ll find thousands of surcharge-free ATMs available to you through Ent and the CO-OP® Network.

Great! Many of our members find Ent's Telephone Banking and Online Banking a great way to access their accounts! And, for your convenience, your personal identification number (PIN) for both systems is the same. And, did you know you can transfer money, view check images, and even pull up your statement online when you select Online Banking?

To get started using Ent's Telephone Banking or Online Banking, just call or stop by. We’ll provide you with a temporary PIN and then ask you to select your own PIN once you start using the system. It’s that simple!

Call (719) 574-1100 or 1-800-525-9623 today!

Not a problem! Name changes are fairly common. We’ll just need legal documentation of the name change and a quick update on your account. Common examples of documentation include a marriage certificate, divorce decree, or court orders. We’ll also update your membership application and signature card to reflect your new name. Simply stop by any Ent Service Center.

If you live outside the area, just call us at (719) 574-1100 or 800-525-9623, and we’ll mail you the forms you need to complete and mail back to complete the update.

Your Ent Protection Plus Password provides you with an added measure of security when accessing your accounts through our telephone call center. Just as your photo identification verifies you in person, your Protection Plus Password will help verify your identity when you contact us by phone. Your Protection Plus Password is for person-to-person calls with Ent, and is separate from the Personal Identification Number (PIN) you may use when dialing into our electronic Telephone Banking system, or logging on to Online Banking.

If you have additional questions, or if you would like to find out more about your Protection Plus Password or “Identity Theft” click here, stop by an Ent Service Center or call us at 719-574-1100 or 800-525-9623. You may also set up your Protection Plus Password online by logging on to Online Banking, choosing the “Services” menu option and the Protection Plus Password option located on the left hand menu.

We've created "Get Started" guides for both products that show you step-by-step how to use your money management software with your Online Banking and Bill Pay service. Click here to find out more!

Verified by Visa is free. There is no fee from Ent or Visa.

More stores are registering every day. Click here to see the current list.

Verified by Visa is a new service that lets you shop online with added confidence. Through a simple checkout process at participating online stores, Verified by Visa confirms that you are the person using your Ent Visa Debit Card.

To activate Verified by Visa for your Ent Debit Card, or to learn more, click here.

Your transfer may be in a pending status, scroll down to the bottom of your statement view page and you should be able to view your transaction. If you refresh you screen or log out of Online Banking and log back on your information should now be posted. If you continue to have an issue where this information is not available please contact us.

Note! Always verify your original transaction has taken place before you complete another transfer online.

Your Debit Card is considered active if used within the last 30 or POS transactions within 30 days.

Your Ent card is valid at ATMs throughout the world. If you find you are not near a surcharge-free ATM, you will be subject to fees. Many find it useful to plan their cash needs to make fewer ATM visits to lower their total fees or to use Traveler’s Checks or Credit Cards to make purchases. Another no fee alternative is to request cash back on a point of sale purchase.

The ValuePLUS service fee will be calculated based on the Average Daily Balance of the account not the Daily Balance. If the balance in the account falls below $500.00 for one day the account will not be service charged since the average daily balance should still be above $500.00 for the entire month.

Yes. Non-network ATM usage will be assessed per checking. Each card is tracked individually, and any ATM fee assessment will be made according to the total non-network usage for that card.

Email Alerts, available within Online Banking, allow you to set up an unlimited number of account activity rules which will trigger emails sent to your personal email address(es). Learn more about Email Alerts…

For Mac users of operating system releases prior to OS 10.3, there are special browser considerations. To ensure compatibility in the new Bill Pay system with previous Mac OS versions, we recommend a Netscape browser release of 7.0 or higher, which is available at http://channels.netscape.com/ns/browsers/archive.jsp.

For information about upgrading to Mac OS 10, go to http://www.apple.com/support/downloads. The Mac 10.4 operating system requires a PowerPC G3, G4 or G5 processor with built in FireWire, 256 MB of RAM, and 3GB of available hard disk space.

Netscape 7.0.2 Download at: http://channels.netscape.com/ns/browsers/archive.jsp. Use the Mac PowerPC version.

OS 9 Mozilla 1.2.1 Download at: http://www.mozilla.org/download.html - os9

Note: you may experience compatibility issues OS 10.x Netscape 7.2, 7.1 Download at: http://channels.netscape.com/ns/browsers/archive.jsp.

OS 10.2 Safari 1.0

OS 10.3 Safari 1.2

OS 10.4 Safari 2.0

Yes, it is safe to enter your "log on" information for Online Banking on the Ent home page. Your Account Number and Password are not transmitted until you click on the "Log on" button. When you click the “Log On” button, a secure session is established between your browser and our systems. Your information is then encrypted using a 128-bit encryption algorithm (the strongest encryption method commercially available) and sent to our systems for authentication into Online Banking.

When you log on to Online Banking after October 1st you will be automatically taken to the Challenge Question set up page to add Challenge Questions to your account. The option "Set up my Challenge Questions Later" will no longer be available.

You will continue to have access to Online Banking after October 1st, once you have set up Challenge Questions on your account.

Yes, however you will be asked to set up Challenge Questions on your account before you can proceed to Balances, Bill Pay or other online banking functions.

It’s a reminder to you that we are requesting all members have Challenge Questions set up on their Online Banking account(s) by October 1st, after which time the use of Challenge Questions will be another way your account is protected.

We believe that Challenge questions are the least intrusive "multi-factor authentication" which Federal regulation mandates all banks and credit unions support or have in place by the end of 2006. The use of this feature adds an additional layer of protection to your account(s) when you access them online at Ent.

Federal regulations do not allow individual members to opt out of this security feature.

This security enhancement has been developed as an added level of protection against identity theft and the threats posed by fraudsters impersonating legitimate businesses online. The goal of this enhancement is to help insure that you - and only you - are accessing your account online. In addition, this enhancement complies with federal regulations mandating "multi-factor authentication" for online account access by the end of 2006.

If you don't already have Challenge Questions set up on your account, when you log on to Online Banking we will take you to the Challenge Question Set Up page where you will select 3 different Challenge Questions from question lists that we provide (or use our "Create your own question" feature to personalize your questions).

When you select your Challenge Questions, select or create questions with answers that are easy to remember. Because a good Challenge Question is something you "know" the answer to - not something additional you have to "remember" like an alpha numeric password - the standard question options include things like "What was your high school mascot?" and "What city did you honeymoon in?"

To create your own question for one or more of your three required Challenge Questions, select the "Create your own question..." option from the question drop down list.

Tips for creating strong Challenge Questions: Avoid creating questions that:

Have a limited number of answers or very predictable answers. (Example: Yes/No questions like "Is the sky blue?")

Have answers many people could know.

Have your public information – name, phone number, street address, etc. - as the answer. (Example: "What is my current zip code?")

Remember, the goal of Challenge Questions is to stop fraudsters from accessing your account online by asking questions that you – and only you (or your account's joint owner) – will know. By creating strong Challenge Questions, you’ll be getting the maximum benefit from this security feature.

You will have several opportunities to answer a Challenge Question correctly before the system locks you out. If you are locked out we have an online self-service tool that will allow you to reset your Challenge Questions 24/7 and regain access to your account. However, you must have a valid email address to use this self-service reset option.

If you do not have a valid email address please contact us at (719) 574-1100 or 800-525-9623 for assistance.

We understand that in today's economic environment more members than ever before are facing loan payment issues. Don't wait until it's too late! If you think you may start falling behind, contact an Ent Collection Specialist today via email or by phone at 800-525-9623 x. 5612 for assistance with: protecting your credit, making payment arrangements, and potentially avoiding foreclosure and/or repossession.

An Ent member may request a transfer of funds in-person, by telephone or through online banking (email request).

The Credit Union may establish or change cut-off times for the receipt and processing of funds transfers, amendments or cancellations. Unless other times are posted for various types of funds transfers, the cut-off-time will be at 3:00 p.m. Mountain Time Monday through Friday which is not a Federal Reserve Bank holiday.

Please refer to our Rate Sheet and Wire Transfer Disclosure for updated fee information.

You can make your Ent mortgage payment online by logging on to Online Banking, clicking on the Transfer option, and making your payment.

If the text in the Bill Pay section is appearing too small or too large for easy reading, please follow these steps:

1. Click on START and click on Internet Explorer
2. Click Tools on the top menu list
3. Click Internet Options
4. Go to lower right portion of Internet Options page and click Accessibility
5. Click the third check box Ignore font sizes specified on Web pages and then click OK
6. Click OK on Internet Options page