P.O. Box 98036, Baton Rouge, LA 70898-9036 888.769.8841 www.campusfederal.org Fax Number: 225.408.4919
Electronic Services Made Easy - Archive

Electronic Services Made Easy - Archive

Tips to help you create a quick and efficient online experience.


Your Online Safety is a Top Priority!

Learn how your Financial Transactions are protected by reviewing the Electronic Funds Transfer Disclosure. 

Click here to view the Electronic Funds Transfer Disclosure.

Identity Protection

Campus Federal will never contact you via text message, email, or phone to ask for your account numbers or passwords. Our fraud detection system will use other forms of identity verification. If you suspect you have been a victim of any form of identity theft, please contact a Campus Federal representative immediately at 888.769.8841.

When it comes to identity theft, you can't control whether you will become a victim. However, there are certain steps you can take to minimize occurrences.

How to Protect Yourself

You should guard the two pieces of information that credit thieves are most interested in - credit card numbers and Social Security numbers. With your credit card number, a thief can charge items to your account and with your Social Security number, they can start to build a "new" you and run up large bills.

  1. Carry as few credit cards as possible and keep them secure. You should also be cautious with credit card receipts and anything with your account number on it. After using your credit card, be sure to take your copy. At restaurants, you may want to stay at your table until the waitress takes your signed copy.
  2. Sign new credit cards immediately when you receive them.
  3. Review each month's credit card statement immediately. If there are transactions that appear odd, or you don't recall making, contact the issuing company immediately. Often, a call to the credit card company will clear up any unknown items.
  4. If there has been unauthorized use of your card, notify the credit card company immediately over the phone and in writing. Your liability will be reduced or eliminated by making the call and writing the letter.
  5. Keep your Personal Identification Number (PIN) secure. Never give your PIN over the phone for any reason and dispose of ATM receipts properly.
  6. Beware of online phishing scams. Phishing refers to a scam where unsuspecting users receive emails from seemingly reputable institutions asking for personally identifiable materials. Phishing emails might pose as your bank or the IRS and include logos of those institutions in order to fool you into sharing credit card and social security numbers.
  7. Guard your Social Security number. Never have it printed on your checks and avoid carrying your Social Security card.
  8. Review your credit record annually. The three major credit agencies will provide a copy of your report for a minimal fee. An annual review should help disclose any unauthorized accounts and you will be able to see what lenders see when you apply for credit.
  9. Create a strong password - at least 10 characters. Mix letters, numbers, and special characters. Try to be unpredictable - don't use your name, birth date, or common words. Please don't use the same password for multiple accounts and don't share your password over the phone, in texts or by email. Also, keep your passwords in a secure place, out of plain sight.

ATM & Debit Card Safety Awareness

Tips to safeguard yourself from Phishing, Vishing and Smishing

  • Never respond to unsolicited e-mails or text messages; especially coming from people or companies that you do not have a relationship with or regarding services you have not contracted for. Contact the financial institution or merchant via the regular channels you use to communicate with them.
  • Remember, for privacy and security, financial institutions do not solicit non-public information from you.
  • When you are accessing secure accounts online, make it a habit to check for the small yellow lock in your browser window. If it's unlocked - you are not in a secure area of the Website.
  • If you receive a Vishing message, disregard the recorded number and contact your financial institution through the customer service phone number on your statement or credit card.
  • Pay attention to the URL. Fraudsters cannot exactly mimic a company's website URL, but will often insert one letter or symbol to make it appear legitimate.
  • Keep a record of services you sign up for on your mobile devices. If you receive a Smishing message for a service you don't think you signed up for - you probably didn't. Disregard the message.
  • When in doubt, do not respond to an email, voicemail or text message regarding an account. Contact your financial institution through regular channels.
  • If you receive multiple phishing, vishing or Smishing messages from a financial institution, bring it to their attention to help them uncover the fraud.

Learn more on how to protect yourself - visit one of the helpful links below:

  • http://onguardonline.gov/ - the federal government's website to help you be safe, secure and responsible online.
  • http://www.stopfraud.gov/ - official website for the Financial Fraud Enforcement Task Force. Anything you need to know about fraud and stopping fraud can be found on this website.
  • http://www.identitytheftassistance.org/index.php - Identity Theft Assistance Center - helping victims and sharing knowledge with consumers and law enforcement to protect from fraud.
  • http://www.staysafeonline.org/ - How safe is your Facebook account? Sponsored by the National Cyber Security Alliance (NCSA) to promote safe behavior online. Excellent resources that include Educational Videos and a Free Security Checkup Portal

Phone numbers for the agencies:

There are no guarantees that some criminal will not try to use your identity for their purposes. As is the case for many risks we must take, using common sense and taking cautions ahead of time can reduce the risk the criminal will be successful.

To learn more about the growing problem of identity fraud, and to learn how to protect yourself and your family against its devastating effects, visit https://campusfcu.merchantsinfo.com.

Online Secure Awareness for Business Online Banking Users

Visit our online training center to help your company prevent crime associated with the use of online banking services. These online courses describe certain forms of online criminal activity and provide information about general risks and preventative measures that may help your company avoid becoming a victim of a crime. Learn more...

The following courses are offered:

  • The Risk Background and Threat Landscape
  • Risk Management and Reduction
  • Managing a Negative Event

Click here to get started: Online Security Awareness Courses

ATM & Debit Card Safety Awareness

While security is a top priority year-round, take this opportunity to review these safety tips to be safe this holiday season. One of the most important factors in combating financial fraud and theft is awareness. More consumers are using their debit cards more than other forms of payment, but with the increased use comes an increased risk of fraud, according to Jim Cichy, PULSE* Vice President of Fraud Management. "To keep money safe and secure, consumers need to better understand how to work with their financial institution to combat security compromises and fraudulent use of financial information," he said.

Using your ATM or debit card is a simple, hassle-free way to get cash, make deposits, check account balances, transfer funds, make purchases and more. To enjoy the many conveniences debit cards offer, make protecting your card a priority. Here are some important safety tips.

Treat your card like cash

Always store your card in a safe place.

Use your Debit Card as a Credit Card

Your Campus Federal Campus Choice Debit Card includes the Visa logo, which enables purchases to run as a credit card purchase at most locations. Once you swipe your card, select the Credit key or the cancel key depending on location. Please make sure to tell the merchant to run your card as a credit card. This can be a safer option when using your debit card since you are not typing a PIN for any wandering eyes to see.

Keep your PIN to yourself... shhh it's a secret

No company or individual needs to know your PIN; not even your financial institution. Memorize your PIN, and never write it on your card or store it with your card. Never let a cashier, teller or other stranger enter your PIN for you.

Always be aware of your surroundings

When using an outdoor ATM such as in a parking lot, look for suspicious activity before you begin your transaction.

Shop carefully online

If you initiate an online transaction and must provide personal data, look for indicators that the site is secure, like "https" in the Web address or the closed padlock icon in the bottom frame of your browser. It is also wise to conduct financial transactions on wired Internet connections only. Wireless connections can be more vulnerable to attack.

Protect your card's magnetic stripe

Exposing your card's magnetic stripe to other magnetic objects can cause damage that will make your card unusable.

Report a lost or stolen card at once

Call Campus Federal right away if your card is lost or stolen to reduce the chance that it will be used improperly. Immediate notice of lost or stolen cards also will limit your potential liability for unauthorized transactions.

Review account statements regularly

Verify all transactions matching receipts to account statements. Frequently reviewing activity online helps identify unauthorized activity between monthly statements. Sign up for eNotes and you will receive email, text, or secure message notifications for routine account activity, as well as for unusual transactions.

Never respond to an unsolicited request

The Internet is a common channel for fraud perpetration. Never provide your debit card number, PIN or any other non-public information to anyone in response to an unsolicited email, pop-up message or phone request. As a reminder, we will NEVER ask for your PIN.

Read more about watching credit and debit card fraud.

Convenient Online Banking Tips for Tax Season

Not many look forward to this time of year when we must prepare our taxes. Campus Federal provides some convenient features within online banking that may help make the process more bearable.

Year To Date
For a quick reference of the interest amount you have earned in the previous tax year, you can log in to Campus Federal's online banking. Go to "Accounts," then "Year to Date" to access the interest earned for both the last and current years.

Never lose another bank statement again. If you've signed up for electronic statements (eStatements), you can download and print any statements from the past. These digital statements may be especially helpful while gathering your financial data.

Finally, you have access to download all of your transactions into programs like Excel, Quicken or Quickbooks. Once you log in to online banking, you will find "Download" under the "Accounts" tab. This section allows you to download your transactions into various programs by the dates of your choice.

Account Nicknames

When most of your accounts are held at one financial institution, you may find that the lengthy list of generic saving, checking and loan accounts can become overwhelming. With "Account Nicknames," you can define unique names for each of your accounts, allowing you to effortlessly locate the right account to complete your online banking needs.

To create new nicknames for your accounts:

  1. After logging in to online banking, click Options > Account Nicknames.
  2. Add a new name to the account that you want to edit, then click "Add."
  3. When you return to the Balance Page, your accounts will reflect the new names that you have just changed.

Online Banking Calendar

The Calendar inside of online banking is a feature that can help you better understand your past and future spending habits. This section allows you to search for specific transactions, view upcoming expenses, and monitor your bill payments and scheduled transfers.

Using Reminders to View Upcoming Expenses:

Creating and enabling reminders in your Calendar will allow you to monitor your upcoming expenses.

  1. Create an e-notesSM reminder for one of your upcoming expenses, for example, "car payment - $200," adding the specific date when the expense is due.
  2. Within the Calendar, confirm that the reminders are available to display by clicking the arrow next to "Choose Accounts to display."
  3. The upcoming expense will display as a red event in the Calendar.

Searching Transactions in the Calendar View:

The Search field in the Calendar section allows you to locate any transactions that contain the information added to the field.

Using CVS Pharmacy as an example:

  1. Confirm that the accounts are available to search by clicking the arrow next to "Choose Accounts to display." Any accounts that are available to search will have "Remove" next to it. Any accounts that have "Show" next to it will not be included in the Calendar.
  2. Add the text "CVS" in the field below "Search viewable transactions for:" and click the "Search" button.
  3. A small magnifying glass will display next to any events that contain a transaction with this text.

* Only 60 days of past transactions can be searched.

Displaying Other Items in the Calendar:

To enable the various options for Calendar view, click the arrow next to "Choose Accounts to display" and confirm that each item includes "Remove." Any item that includes "Show" prior to the item in the list will not display on the Calendar.

Viewing Transaction History

Historical transactions can provide valuable knowledge about where your money has been and where it is going. Campus Federal enables you to make the decision about how much of this information is displayed within Online Banking History.

Changing the default days to view in History:

  1. After logging in to online banking, click Options > History Preferences.
  2. In the "History View Days" field, type the number of days that is most convenient for you to view, then click "Submit."
  3. In Accounts > History, choose the account you want to view and click "View Transactions." The history will display the transactions for only the number of days that you submitted in History Preferences.
  4. If you occasionally need to view more or less days than the default that you have chosen, clicking "Advanced History" will allow you to choose a different date range.

Totaling Your Deposits and Withdrawals

Many financial programs help you manage your money, but what if you only need to find out how much was deposited into your checking account last month? Instead of manually searching and calculating all of your deposits, have online banking automatically provide this information for you.

How to total your deposits and/or withdrawals:

  1. After logging in to online banking, click Options > History Preferences.
  2. Enable the "View" setting to "History grouped by debits and credits," then "Submit."
  3. Within Accounts > History, choose "Advanced History" for more options.
  4. Choose the relevant account, the date range you would like displayed and click "View Transactions."*
  5. The last line of the table containing the deposit transactions will indicate the amount for "Total deposits and credits." Below this table, the withdrawn transactions and total will be displayed.

*There are more options available on this screen that may give you greater flexibility in the amounts that you wish to have calculated.

Lagniappe Checking: Getting to Know Your Debit Counts

The end of the month is coming. Do you have enough debit card purchases to receive the benefits of Lagniappe Checking? Want an easy way to determine if you do? Sorting your transactions will give you the answer in just a few easy clicks.

To find how many debits you currently have:

  1. Log in to online banking.
  2. Click on Lagniappe Checking account link and your history will be displayed.
  3. Click on "Advanced History" and choose the appropriate dates of the Qualification Cycle*, also choose "Withdrawals Only" from the "Item Type" menu.
  4. After the correct dates are displayed, click on the two small triangles at the top of the "Description" column to sort the transactions.
  5. To find the debit purchases on your account, you will be looking for transactions titled "Withdraw POS" (PIN based) and "DB Debit" (Signature based) transactions.

* Lagniappe Checking FAQ Sheet

P2P - Person-to-Person Transfers

Sending and receiving money has become more convenient, and with Campus Federal's External Funds Transfer Service it has become even easier. Whether you would like to send money to your college student or request a portion of the lunch bill from your co-worker, P2P (person-to-person) makes it quick and simple. All you need to send or receive funds from someone is their mobile phone number or email address.

Sending P2P Funds:

  1. Log in to online banking.
  2. Click on "Transfer," then "Send Payment."
  3. When a new window opens, you will need to "Add Recipient" by clicking on the "To:" field.
  4. This will allow you to add the recipient's information, such as name, and email address or mobile phone number.
  5. Once complete, you can add which of your accounts to send the funds from, the amount and a message.
  6. Once you "Submit," the other person will receive an email or text message, depending on which method you chose.
  7. When the other person receives the message, they will be prompted to accept and complete additional information, such as account and routing number (this data is private and will not be shared with anyone).
  8. Within 3-5 business days of the other person accepting your request, the transaction will be complete.

Receiving P2P Funds:

  1. Log in to online banking.
  2. Click on "Transfer," then "Receive Payment."
  3. When a new window opens, you will need to "Add Sender" by clicking on the "From:" field.
  4. This will allow you to add the sender's information, such as name, and email address or mobile phone number.
  5. Once complete, you can add which of your accounts to receive the funds to, the amount and a message.
  6. Once you "Submit," the other person will receive an email or text message, depending on which method you chose.
  7. When the other person receives the message, they will be prompted to accept and complete additional information, such as account and routing number (this data is private and will not be shared with anyone).
  8. Within 3-5 business days of the other person accepting your request, the transaction will be complete.

You can check the status of the transfer by logging in to online banking, clicking on "Transfer," then choose either "Send Payment" or "Receive Payment." On the left side menu, click "Pending Transfers."

A2A - Account-to-Account Transfers

You asked for it and now it's here! Moving money from an account at one financial institution to another has never been easier. With Campus Federal's External Funds Transfer, you're just a few clicks away from transferring money between Campus Federal and any other bank or credit union. You no longer need to run around town to ensure that funds are available. Instead, you can do it all right from the comfort of your own home or office, just by logging in to Campus Federal Online Banking.

Adding a New Account to External Funds Transfer:

  1. Log in to online banking.
  2. Click on "Transfer," then "Send Payment."
  3. When a new window opens, you will need to click "Register New Account" in the left side menu.
  4. Adding a routing number or name within the "Add Account" screen will bring up a list of financial institutions.
  5. From this list, choose the link that matches your financial institution.
  6. When the information for the bank or credit union displays, complete the page, by filling out the number, type and name for the account. An optional nickname can also be added, then click "Submit."
  7. Within the next 2 business days, a small deposit and withdrawal will be made in the other financial institution's account.  Once these 2 numbers have been retrieved from the other financial institution's account, they will need to be entered into Campus Federal's External Fund Transfer.

Activating a New Account in External Funds Transfer:

  1. After 1-2 business days of adding the new account, log in to online banking.
  2. Click on "Transfer," then "Send Payment."
  3. When a new window opens, you will need to click "Manage Accounts" in the left side menu.
  4. The account that is waiting to be used to transfer funds between accounts will be listed in this area with a link, "Activation Required."
  5. The next page provides detailed instructions about activating the account.  Click "Continue" to place the amount of the deposit and withdrawal from the other financial institution's account.
  6. When the correct amounts are put into the corresponding fields, the other account will be available to transfer funds to and from Campus and the other financial institution.

Sending or Receiving A2A Funds:

  1. Log in to online banking.
  2. Click on "Transfer," then "Send Payment."
  3. When a new window opens, you will need to click "A2A Transfers" in the left side menu.
  4. This will allow you to choose which of your accounts to send the funds from and which to send the funds to.*
  5. At this point, further information is needed, such as dollar amount,  transfer type (one time only or recurring), and a date to request the funds to begin to transfer.
  6. Once you "Submit,"  the funds should be transferred within 3-5 business days.

You can check the status of the transfer by logging in to online banking, clicking on "Transfer," then choose either "Send Payment" or "Receive Payment."  On the left side menu, click "Pending Transfers."

* When transferring funds between financial institutions, Campus Federal must be one of the two institutions included in the transfer process. For example, funds can be sent from Campus Federal to Capital One or vice-versa.


Set Up Multiple e-notesSM Alerts

Previously, we introduced a tip about receiving daily balances for your account with our e-notesSM service. With these alerts you can receive notices via email, text and secured messages. Did you know that e-notesSM alerts can also be set up to allow more than one member on the same account to receive the same alert?

Setting up duplicate e-notesSM alerts will allow multiple members on the same account to receive alerts in the notification method of their choice.

How to set up duplicate e-notesSM:

  1. After logging in to online banking, click Options > e-notesSM.
  2. Within the e-notesSM Start Page, click on the button "Click here to add new e-notesSM or reminders."
  3. From the "Select e-notesSM Type" drop-down menu, select the type of e-notesSM that you would like to receive.
  4. Complete the information to receive the e-notesSM, including the "Notification Method" that you would like to receive the alert, such as email, text or secured message. Submit and confirm your new alert, then verify it on the e-notesSM Start Page.
  5. If another member of the account would like to receive this alert by the same "Notification Method," for example both members would like to receive text messages, then complete the above steps again, beginning with "Click here to add new e-notesSM or reminders."
  6. When creating the duplicate e-notesSM, make sure that all the choices are identical (account, conditions, etc.).
  7. The only information that should differ from the original e-notesSM is the "Notification Method." At this point, you will enter a different email address or mobile number.
  8. When the new alert has been submitted and confirmed, the e-notesSM Start Page will list two e-notesSM with the same descriptions. Each alert should contain different "Notification Methods."

If the same e-notesSM alert is to be sent by different methods to two members of the account, such as one member to receive the alert by email and the other member to receive it by text, then only one e-notesSM alert needs to be created, adding one member's information into the email field and the other member's information into the text field.

Daily Balance Alert with e-notesSM

Worrying about funds to cover your bills, debit card purchases and ATM withdrawals on a daily basis can be overwhelming. With our e-notesSM service you can automatically receive daily account balance alerts by email, text or secure message.

How to receive your daily e-notesSM alert:

  • After logging in to online banking, click Options > e-notesSM.
  • Within the e-notesSM Start Page, click on the button "Click here to add new e-notesSM or reminders."
  • From the "Select e-notesSM Type" drop-down menu select "Share Notes e-notesSM".
  • Choose Balance "is below" and a certain Amount that you will never reach. For example, if you think that your checking account will never go above $99,999.00, then click "is below" and place 99999 in the Amount field.
  • Click "Notify me forever, until I delete" and complete the Notification Method section. Specific times for receiving alerts can also be set up.

Once you submit and confirm your new alert, it can be verified on the e-notesSM Start Page.

Online Banking Security with e-notesSM

With the increase in identity theft and fraud, it is important to be aware of transactions occurring in your account. E-notesSM Alerts can help relieve some of these concerns by notifying you when:

  • a change to your PIN has been attempted or made,
  • a transfer within your account above a certain amount has been made,
  • someone logs into your account from outside of the state or the U.S.,
  • and much more.

Knowing that you will be alerted if any of these events occurs, you can trust that your finances are safe.

Setting Up e-notesSM Event Alerts

  1. After logging in to online banking, click Options > e-notesSM.
  2. Within the e-notesSM Start Page, click on the button "Click here to add new e-notesSM or reminders."
  3. From the "Select e-notesSM Type" drop-down menu select "Event e-notes".
  4. Check the appropriate boxes that you wish to be notified about if the event occurs.
  5. Complete the Notification Method section.

For more information on e-notesSM please click here.

Log in Procedures

Challenge Hackers With Your Security Questions

Hackers are getting smarter about gaining access to your personal information. That is why Campus Federal takes security of your financial data very seriously. Our three-step login authentication process provides added protection. But are your questions difficult enough to keep that hacker from guessing your answers?

A recent New York Times article offers excellent advice about choosing passwords that will keep hackers at bay. The article is also an excellent source to help you create challenging security questions.

If your questions are not challenging enough, here is how you can change them:

Changing Your Security Questions Within Online Banking:

  1. After logging in to online banking, click Options > Security Settings.
  2. This screen displays your current three Security Questions.
  3. After changing your questions, click "Submit" and you will receive the new questions on your next login session.


Online Banking - Remember Me Feature

One of Campus Federal's top priorities is the security of our members' information. Our online banking three-tier multi-factor authentication process provides excellent security to deter hackers from accessing member accounts. Yet, sometimes it is frustrating to provide this information each time you log in to your account.

The Remember Me button allows you to skip the Question and Answer section and provides a quicker log in process.

How to Enable the Remember Me Feature:

  1. Log in to online banking by inputting your member number and random code.
  2. At the Question and Answer screen, input the answer to your question and check the "Remember Me" button before clicking "Next." *
  3. Proceed to online banking as usual.
  4. The next time you log in to online banking, you will notice that the Question and Answer section has been skipped.
  5. If you choose not to use the "Remember Me" feature any longer, you will be given the option to check the "Do Not Remember Me" button on the PIN screen.

Remember Me can also be enabled on mobile devices.

* You should enable this feature on computers that only you use. It is especially important not to enable this feature on public computers, as others may easily figure out the information to access your data.


Campus Click - Mobile Check Deposit Tips

Make deposits anywhere with your smart phone or tablet from Online Banking at no cost to you!

Download the Campus Click app today and start making deposits.

To begin:

  1. Download the Campus Click app from the Apple App Store or Google Play store.
  2. Open Online Banking to begin and click on the Campus Click link under the Accounts tab.
  3. Accept the disclosures.
  4. Begin depositing!

*Important Note - Once the app is downloaded you will not need to open the app again. Simply login through the Campus Click link within Online Banking.


Campus Click instructions

Online Loan Application at Your Fingertips

Applying for a loan is no longer a hassle with our mobile online application! Visit www.campusfederal.org on your smart phone or tablet and click on the "Apply for a Loan" link to begin*.

When applying from your computer, you will see the Apply Now button at the top of each loan page. Our online loan application process is quick, easy and most importantly – secure!

*First Mortgage Loan applications can only be completed online and not through the mobile feature.

Campus Federal Mobile Website and Online Banking

With the increase in mobile phone usage, it's important to have the necessary information you need at your fingertips whenever and wherever you are. This is why we have made online banking access on all devices a priority at Campus Federal.

Accessing Campus Federal's Mobile Website:

The mobile website provides:

  • Online Banking access
  • Branch and ATM locations
  • Member Services Contact information and how to notify us of a stolen or lost card

Mobile Online Banking Log In Procedures:

  1. On campusfederal.mobi, click "Online Banking."
  2. At the login screen, provide the same credentials that you use for the desktop version of online banking.*
  3. When you have provided your security answer and PIN, your mobile online banking session will begin.
  4. You will be able to perform just about all of the same transactions that you do on the desktop version of online banking, including e-Notes, External Fund Transfers and Bill Payments.

*To avoid an error while logging in, you will need to un-capitalize the first letter within the random code if your Smart phone has auto correction.

Secured Messaging

Secured Messages

Secure Messaging is a safe way to exchange an email-type message with one of our representatives. Any information contained in the secured message is protected within our system. You can feel confident that your financial information is safe while you are communicating with us.

Using Secured Messaging:

  1. After logging in to online banking, click Options > Secured Messaging.
  2. To begin a new secured message, click "New," enter a subject and then type your message.
  3. Once the message is complete, you can select:
    • "Send Message," which sends the message directly to one of our representatives, or
    • "Save as Draft," which allows you to save what has been typed and continue at a later time.
  4. When a representative has responded to your secured message, an alert will display at the left corner of online banking - "You have # credit union message(s)." Clicking this link will direct you to the secured message.*
  5. *An email notification indicating that a secured message is available can be sent if you set up an Event e-notesSM.

Secured Messaging Icons

Secured Messaging is a simple, safe way to contact Campus Federal to inquire about your finances. Secured Messaging can be easily accessed from the "Options" menu in Online Banking. For even quicker access, look for the Secure Messaging icons next to individual transactions in your account. The icons are a small envelope containing a blue question mark. Clicking on an icon will open a message screen with the specific transaction already entered into the secure message.

Areas that include the Secured Messaging shortcut are:

  • each account on the Balance Overview page
  • each transaction within the History page
  • each transaction within the Calendar
  • each payment within BillPay History
  • each check within Check History


To open an account you must be a member of Campus Federal. Please use our membership application to apply for membership and open an account. Current members, please use the contact us form to specify the type of account you would like to open.