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FAQsHomeLink Login HelpMulti-Factor Authentication (MFA) Questions MFA - Single Computer User Guide MFA - Multiple Computer User Guide MFA - How to Manage Your Email Addresses MFA - Token by Phone Feature MFA - Adding to Favorites in AOL Overview of MFA Features HomeLink FAQs 1. What security measures does HomeLink use?
HomeLink uses several different methods to protect your information:
Encryption is the scrambling of information for transmission back and forth between two points. A key is required to decode the information. When you request information about your accounts, the request is sent encrypted to First Commonwealth. We then decode your request for information and send it back to you in an encrypted format. When you receive it, your information is decoded so that you can read it. Because your account information is being transmitted between you and First Commonwealth, encryption protects your account information so it can't be intercepted and read by a third party. 3. When do transactions post to my accounts? Just like ATMs and TellerPhone, your transactions will post in real-time. 4. What kind of computer equipment and software do I need for Online Banking? You need a computer with Internet access and a supported web browser. You can use either a Macintosh or a Windows computer. 5. Are there any fees for HomeLink? No, HomeLink remains a free service! And so is our online bill pay service e-Payer! 6. Can I change my HomeLink password? Yes, you can change your password on-line any time you wish. 7. How do I sign up for e-Payer? It's easy! If you are already a HomeLink user, click on the e-Payer button then click Enroll in BillPayer. After you click on the button, an e-Payer Disclosure with important user information will appear. You will be required to read and agree to the e-Payer Disclosure Agreement before you can continue with the enrollment process. 8. Will I need HomeLink to have e-Payer? Yes, to have the e-Payer feature you will need to have HomeLink and a checking account with First Commonwealth. 9. What if I have questions or problems? For any account related questions please contact Member Response Line Representative at 610.821.2403. If you believe the trouble you are experiencing is due to a connection problem, please contact your Internet Service Provider. 10. Can I use HomeLink outside of the United States? Yes, you can use HomeLink from anywhere in the world as long as you have a connection to the Internet and a supported Internet browser. e-Payer FAQs 1. How does e-Payer work? e-Payer allows HomeLink users to access their First Commonwealth share draft (checking) accounts to make payments directly to merchants or individuals. Payments can be made in an electronic format or by dispatching a paper check to the intended payee if the merchant or individual cannot support the electronic transaction. The progress of your payment can be tracked by using e-Payer. 2. How much does e-Payer cost? e-Payer is FREE! Take advantage of this service today and you could save money on stamps and time by letting First Commonwealth automatically pay your bills for you. 3. Once I enroll, how soon can I use e-Payer? Once you are enrolled you will notice an e-Payer button on the left side of your screen. You may start paying bills immediately. 4. Is there a maximum or a minimum amount I can pay? The maximum dollar amount you can pay to any one merchant is $9,999.99, the minimum is $1. 5. I cannot find my merchant on the Master Payee List. What can I do? Before you click on "Add Payee" to create a new merchant, give the following a try:
6. What if a merchant on the Master Payee List has a different billing address than the one I usually use when sending my payment? Verify that the selected merchant from the Master Payee List has the same billing address as the address on your statement. Otherwise, the merchant on this national list could be an entirely different company, or a different office/department that has no ability to apply your payment to your account. If the merchant name and address do not match, contact the merchant to inquire if your payment may be accepted at that location. If it will not, add the vendor and the information on your statement under "Add Payee." 7. What is the cut-off time for scheduling payments? Payments for a specific date must be set up before 8:45 AM Eastern Time on that business day. A business day is defined by any day that First Commonwealth is open for business (excluding weekends and holidays observed by the Federal Reserve Bank). 8. I made a payment to a merchant through e-Payer and it has not been credited to my account. What can I do? Use the following steps to verify the status of a transaction:
9. What if I need to modify or delete a scheduled payment? You may modify or delete a payment up until 8:45 AM of the business day for which the payment date is scheduled. Simply click on the "Pending Payments" button, choose the payment in question from the list, then select either the "Modify Payment" or "Delete Payment" button. 10. How do I cancel e-Payer service if I change my mind? Simply click on the Cancel BillPayer button in the e-Payer section. However, please be aware that doing this will cancel all of your Payees and Pending Payments. If you would like to re-enroll in e-Payer at a later time, you will need to reselect your Payee List and reschedule your payments. |
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