Online Banking Frequently Asked Questions

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Customer Service
Q: Have a question about Online Banking or need help?

Contact Us at our nearest branch between the hours of 8:30 a.m. to
5:00 p.m. Mountain Time on any business day.

Email us We will respond to your email inquiry at our earliest convenience.

Visit us at one of our branch locations.
Getting Started
Q: What is Online Banking?
A: Equitable Savings & Loan is proud to offer its customers our Online Banking system. It is yet another convenient way for you to conduct your banking - from the comfort of your home or office!
Q: How do I sign up for Online Banking?
A: Signing up for Online Banking is simple:
  • Apply online today. To access Online Banking, you must first apply. The application process requires the following information:
    • First Name
    • Last Name
    • SSN or TIN
    • Mother's Maiden Name
    • Your Email address
    • Account Information
    • Login Name
    • Password
    • Drivers License
    • Date of Birth

  • Once the application process is complete, you will receive an e-mail that will instruct you further on how to validate your e-mail and complete our online banking process. If you cannot find the email, check your junk/spam mail folder. If you still cannot find the email, further verification issues may have occurred. Please contact your local branch so they can help you access your account.
Q: What is the fee for this service?
A: Equitable Savings & Loan offers Online Banking service to our Customers at no cost! We hope you consider it to be a valuable benefit for choosing to bank with us!
Q: Why is my account number not working?
A: Be sure that you are entering your account number without any hyphens, punctuation or leading zeroes.

Deposit Accounts: On your statements, your account number appears as XX XXXXXX X. Please enter all 9-digits and omit the spaces / dashes.

Loans: On your loan statement, your account number appears as XX-XXXXXX XX. Please enter all 10- digits and omit the spaces/dashes.
Q: Can I use letters and numbers for my Username?
A: Yes. Your Login Name must be at least 6 characters in length. Usernames are not case sensitive..
Q: Can I use letters and numbers for my Login Password?
A: Password format requirements are as follows:
  • Cannot be same as SSN / TIN
  • Cannot be same as Login Name
  • Must contain letters and numbers
  • Must be a minimum of 8 characters in length*
  • Must contain one or more special characters
  • Passwords are case sensitive
*Note: the maximum number of characters you may use for your password is nearly unlimited; however, if you link your online banking account to any third parties such as Quicken, Quickbooks, or Mint, some of them have a limit of 22 characters.
Q: How do I access my account the first time?
A: From the Equitable Savings & Loan Home Page, go to the Secure Online Banking Login section and input your User Name and Password and click on Continue. This will then take you to your account list.
Q: I set up my account, logged in and was restricted access. Why?
A: The safety and security of your personal information is important to Equitable Savings & Loan. Once you have applied for Online Banking access, an e-mail will be sent to you for verification. Once you have followed the instructions and validated your e-mail address you will be granted access to login. If you cannot find the email, check your junk/spam mail folder. If you still cannot find the email, further verification issues may have occurred. Please contact your local branch so they can help you access your account.
Username and Password Help
Q: What if I forget my password?
A: To reset your password:
  1. Click on the Forgot Password? link on the www.equitable-savings.com home page
  2. Enter your Login Name.
  3. Enter your email address. The email address must match the address we have on file.
  4. Answer your Security Question. This is the Security Question you created and answered when signing up for Online Banking (or subsequently changed).
An alert will be sent to your email address. (If you cannot find the email, check your junk/spam mail folder, it may be there.) The email will contain a hyperlink. This link is secure, can only be used once, and will expire in 20 minutes. Click the link or copy it into your browser to go to the password change screen. Create a new password to access your online banking account.
Q: What if my password has been disabled?
A: For your protection, if you - or someone trying to access your accounts - enters an incorrect password three times, we disable your Online Banking access. To Reset your password, follow the "What if I forget my password?" instructions above. If you are still unable to access your online banking account, please contact your local branch during business hours to have your password reset and security enabled.
Q: What if I forget my username?
A: To recover your username:
  1. Click on the Forgot Username link on the www.equitable-savings.com home page.
  2. Enter your email address & SSN. The email address must match the address we have on file.
  3. Your username will be emailed to the email address we have on file.
Q: How do I change my password/username?
A: To change your password, log into your account using your existing password. Once you are inside your account, go to the Service menu and select "Update Preferences" to access the tools to change your online banking account information. If you do not know your existing password/username, refer to the "What if I forget my password?" or the “What if I forget my username?” Q&A.
Security and Technology
Q: What can I do to safeguard my account information?
A: Below are best practices for safeguarding your account:

  • Do not leave your account information out in an open area or on your computer screen accessible by others.
  • Do not send your Username or Password or privileged account information over any e-mail system.
  • Create a strong password. The longer and more varied your password is, the harder it will be crack.
  • Do not leave your Computer unattended while you are connected to Online Banking.
  • Do not enter your Username or Password into Online Banking when there are others nearby who could observe you doing so.
  • We recommend that you log out of Online Banking and close your browser completely after each session and/or clear cache and history.
  • We recommend that any computer you use to access Online Banking have spyware protection, virus protection and a personal firewall. Moreover, keeping your machine updated with the latest security patches is also good practice.
Q: Do I need any special hardware or software?
A: No special hardware or software is required to use Online Banking. All you need is a computer, and access to the Internet. Our site is best viewed using the most current web browsers. As updated browsers are released, this site will evolve with their advancing technology.

To help ensure security, we recommend that any computer you use to access Online Banking have spyware protection, virus protection and a personal firewall. Moreover, keeping your machine updated with the latest security patches is also good practice.
Q: What are the Browser Requirements?
A: If you use Google Chrome, Opera, Apple Safari, or Mozilla Firefox and your browser is enabled for auto updates, your browser will be able to connect to online banking. If auto updates are not enabled, your browser may not be able to connect to Online Banking.

If you're using Microsoft Internet Explorer 11 or Microsoft Edge and your browser is enabled for auto updates, your browser will be able to connect to online banking. Microsoft no longer supports earlier versions of Internet Explorer and is not sending out vulnerability patches after January of 2016. If your preferred browser is Microsoft Internet Explorer, we recommend you update to Internet Explorer 11 or Microsoft Edge.
Q: Is my account safe from unauthorized access?
A: Online Banking resides on a secure server and Equitable Savings & Loan uses encryption technology to ensure the safety and integrity of your account. In addition, we have implemented additional layers of protection for our customers called Multi-Factor Authentication (MFA) and an Extended Validation Certificate (EV) MFA offers additional protection by requiring customers to provide a different combination of information for online access to accounts. EV verifies our online banking site’s identity, and provides the strongest encryption level available. When you browse to our home page at www.equitable-savings.com, check the address bar in your browser. The EV is displayed as a green address bar or text color with our official name and a padlock symbol. This guarantees you have reached our website and no one else’s.
The most important protection against Online Banking fraud is you! In order to access any account via Online Banking, the user needs a login password. Therefore, we strongly advise that you do not write your password down or give it to anyone. Each account holder should have their own online banking account, accounts should not be shared.
Q: What is encryption?
A: Encryption is the process by which data or information is converted into private or secret code that cannot be deciphered. This ensures secure transmission by preventing any non-authorized party from reading or changing data. Information is decoded only when it reaches its destination.
Q: What if I am unable to logout of my account when using Online Banking due
to interruption (e.g. power outage, network problems, heavy web traffic, computer crash, etc.)?
A: Your account should be fine. As soon as you are able to re-access your account, you should verify any transactions you may have attempted to make were completed by reviewing your account history and balances. It may be necessary for you to resubmit any transaction you were in the process of completing when the interruption occurred.
Q: What if I forget to logout of my account?
A: It's important to remember to always logout of your account whenever possible. However, if you do forget to do so, the system will "expire" your session. After 15 minutes of inactivity, the system will not allow any further inquiries or transactions and you will be asked to login again if you, or anyone attempts to do so.
Online Protection - Security Questions Overview
(Multi-Factor Authentication)
Q: I was prompted to enter personal information the first few times I logged onto Online Banking. Why was I asked for this information?
A: In order to make your online banking experience as secure as possible, we are requesting all customers complete a security feature that detects any uncharacteristic or unusual behavior involving your account. If anything out of the ordinary is detected, we will verify your identity.

As our customer, we know how you typically behave: what types of transactions you conduct, when and from where. If we detect any activity that does not seem like your typical behavior, we will prompt you to further verify your identity so that we can ensure it is you and not a fraudster attempting to comprise your account. This will only happen on rare occasions. Normally you will not be asked for any additional information.

For example, if someone tries to sign in with your user name and password from a computer in a foreign country shortly after you have logged off from your normal computer at home, we may decide to verify that it is really you trying to access your account.
Q: Am I required to sign up for this security system?
A: Yes. You may opt out three times before the system will require you to enter the requested information. This includes choosing several security questions that only you know the answers to, as well as supplying phone numbers where you can be reached while banking online. Once this occurs you have added a layer of protection to your account.
Q: Will I be asked for more information?
A: You will only be prompted to enter additional information when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior.
Q. What additional information will I be asked?
A: If any unusual or uncharacteristic behavior is detected you will be asked to answer several of the security questions you chose. This will most likely be a very rare occurrence.
Q. What is unusual or uncharacteristic behavior?
A: Uncharacteristic or unusual behavior is anything that appears out of the ordinary compared to how you normally would bank online and where you normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.
Q. How are you able to detect unusual or uncharacteristic behavior?
A: The security system takes into account factors such as the type of transactions you ordinarily perform, the computers you typically use to access your accounts, or the typical security settings for your computer. Hundreds of factors, such as these, create a profile that is unique to you that allows us to make decisions about whether the activity or transaction is consistent with your normal activites and transactions.
Q. How do I know it is working?
A: You only need to complete the set-up process once; afterwards the new security system will work automatically. That means you are being protected every moment - when you are online and more importantly when you are not.
Q. Is my personal information still safe after I enter my personal information?
A: Yes. In fact, your personal information is safer than ever before because we are making sure it is really you and not an unauthorized user trying to access your information.
Q. How will this help prevent online fraud?
A: If your user name and password are stolen, the fraudster would have to be able to answer your security questions correctly before being able to access your account or complete a fraudulent transaction. If the user is unable to provide this information or cannot be reached on the phone, the activity would be blocked. This added layer of security helps us protect your online account at all times.
Q. I check my account frequently, wouldn't I know if something unusual showed up on my account?
A: It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn't make). This security service helps prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be.
Q. I already have anti-virus and a personal firewall. Why do I need this?
A: We are glad to hear you use antivirus software and a personal firewall. Be sure that you keep both programs up-to-date for the best possible protection against viruses, Trojans, and hackers. This Multi-Factor Authentication security feature protects against other kinds of threats such as a stolen user name and password. It works with your other personal security programs as an added layer of security for your online banking transactions.
Transactions and Account Activity
Q: What kind of transactions can I perform within Online Banking?
A: Within Online Banking it is possible to:
  • View and Print Account History
  • Review Account Balances
  • Enable and download E-Statements
  • Transfer funds between deposit transaction accounts
  • Make a loan payment from a deposit transaction account.
  • Pay your bills with Bill Pay
  • Setup alerts to be sent via e-mail and/or text message. Messaging and data rates may apply.
Q: How long does it take for my transactions to process?
A:Transactions such as transfers are posted to your account upon receipt of funds and can be confirmed online.
Q: Do I receive a receipt for my transactions?
A: No. You will not receive receipts for your transactions. However, because account information is updated immediately, you should be able to verify transactions by reviewing your account balance history.
Q: How do I know if a transaction I made went through?
A: Account information is updated immediately. This allows you to verify your transaction by reviewing your account balance history to see if it is reflecting your transaction as having been processed. All transactions will appear on your Equitable Savings & Loan E-statement as well.
Q: Can I reverse a transaction if I make an error?
A: You can reverse a transfer within the same account number by simply transferring the funds back.
Q: Is there a limit on the number of transactions I can perform?
A: There is no limitation specific to Online Banking. Keep in mind, however, that some Equitable Savings & Loan transactions, products and services are subject to their own limitations and terms. For example, Federal Regulation D requirements are such that, you may make a maximum of six (6) preauthorized, automatic or telephone transfers per monthly payment cycle on a savings or money market account. No more than three (3) of the six (6) transfers may be made by check, draft, debit or similar order made by you and payable to third parties, including point-of-sale transactions. Not all products offered allow these features.
Q: How current is my account information?
A: Your account information is updated immediately. This means your information is accurate up to the minute.
Q: Can I make a withdrawal with Online Banking?
A: You may transfer funds from one transaction account to another using the Transfer screen.
Deposit Account Services
Q: Can I open an account through Online Banking?
A: No. To open an account please visit one of our 10 locations
Q: Can I close an account through Online Banking?
A: You may transfer all the funds from an account, but you should contact your local branch in case there is any interest owed to you on the account at closing.
Loan Applications
Q: Can I apply for a loan within Online Banking?
A: Yes. You may apply for a loan through Online Banking. Simply follow this link or contact your local branch for more information.
Q: Can I check on the status of my loan application via Online Banking?
A: No. If you need to check on the status of your loan application, please contact your local branch.