Frequently Asked Questions

What is a credit union?
Credit unions are not-for-profit financial cooperatives that are owned and operated by their members. Every member of a credit union has an equal voice in how the credit union is run. Unlike large corporate banks, a credit union's Board of Directors is comprised of volunteer members who are not compensated for their time or efforts. After paying all operating costs, credit union profits are returned directly to the members in the form of higher dividends, competitive loan rates and lower fees.

How am I eligible for membership?
Because of our relationship with your employer, you are eligible for membership with Columbine Federal Credit Union. Once you become a member, anyone related to you by blood, marriage, or adoption is then eligible to join Columbine.

Are my deposits federally insured?
Yes. Member deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA). Not one penny of insured savings has ever been lost by a member of a federally insured credit union.

Where can I transact on my account?
You may transact on your account at any Columbine Federal Credit Union branch location. Columbine provides teller services at CU Service Center Outlets (in the metro-Denver area and across the United States). CU Service Center Outlets provide direct access to your account, as well as the ability to perform many basic transactions, when access to a Columbine branch is not convenient. To find a CU Service Center close to you click on the “CU Service Centers” button.

Can I get a debit card?
Yes. You can sign up for Columbine's no annual fee Visa® Debit Card when you open a Columbine checking account. A Visa® Debit Card allows you to access funds directly from your checking account without having to write a check. Additionally, our debit card gives you the ability to access your money via thousands of CO-OP Network ATMs.

Do you offer loans and credit cards?
Yes. Whether you would like to finance a new or used vehicle, apply for a first and/or second mortgage or have personal financing needs, Columbine can help. Columbine offers a full line of loan products to fit your individual needs. Columbine also offers two Visa® Credit Cards that give our members both convenience and peace of mind.

Do you offer internet banking?
Yes. You may access your Columbine accounts online 24 hours a day, 7 days a week through Online Banking. After logging in to your Online Banking account from Columbine's website, you have the ability to manage your accounts and sign up for free E-Statements.

Online Banking Frequently Asked Questions

Find answers to frequently asked questions.  If you have additional questions that are not addressed on this site, please call 720-283-2346.

Step-by-Step Login Instructions:
EXISTING ONLINE BANKING USERS:
  • Enter your member number into the Login ID field.
  • Check the box that states, “I am a First Time User.”  Click the Login button.  You will not need to enter in a password at this time.
  • Select a phone number or e-mail address from the options available to you to receive your Secure Access Code.  Your code should arrive within a minute or two.  If you do not see one of your phone numbers or e-mail addresses, then you may need to update these with the credit union. 
  • Enter the Secure Access Code when prompted.
  • The next page will display the Welcome First Time User Message.  Please review the message and follow the prompts.
  • Review your Online Profile information (e-mail, address, phone number, etc.).  Click Create Profile.
  • Enter a password.  Be mindful of the Password Policy that is described to the right of the password field.
  • Confirm the password - enter again.  Click Continue.
  • Create your new Login ID and click Submit.

Please note: The next time you access the Online Banking System, you will need to obtain another Secure Access Code to register your computer.

NEW ONLINE BANKING USERS:

  • Click on the “Enroll in Online Banking” link in the login box.
  • Enter your member information:
  • Member Number
  • Last Name of Primary Member
  • Last Five of Primary Member’s SSN
  • Primary Member’s Date of Birth (ex: 10/10/2000)
  • Click Submit
  • Use the provided Login ID and password and click “Login”. You DO NOT need to check the “I am a first time user” box.
  • Select a phone number or e-mail address from the options available to you to receive your Secure Access Code.  Your code should arrive within a minute or two.  If you do not see one of your phone numbers or e-mail addresses, then you may need to update these with the credit union. 
  • Enter the Secure Access Code when prompted.
  • The next page will display the Welcome First Time User Message.  Please review the message and follow the prompts.
  • Review your Online Profile information (e-mail, address, phone number, etc.).  Click Create Profile.
  • Enter a password.  Be mindful of the Password Policy that is described to the right of the password field.
  • Confirm the password - enter again.  Click Continue.
  • Create your new Login ID and click Submit.

What does Online Banking consider to be my "Member Number"?
When logging onto Online Banking, enter the member number you see in the upper right-hand corner of your statement. Do not use your social security number or include numbers that represent account types such as S1 (Savings) or S6 (Checking).

Your "Forgot Password" system doesn't work!
"Forgot Password" can only be used if you have not yet been locked out your account. After 5 failed login attempts, the system will lock you out to prevent unauthorized access to your account. If you think you have forgotten your password, do not keep trying to log on. Immediately click on the "Forgot Password" option to begin the procedure of logging into your account.

My browser saves my user ID and password. I changed my password yesterday, and today it doesn't work.
If you change your Online Banking password, you will need to erase the old password when your browser pre-fills it and then type in your new password. Once you do this, your browser should display a prompt allowing you to choose if you want the browser to remember this new password.

Can I use letters instead of numbers for my Online Banking password?
Yes, your Online Banking password can contain letters and numbers.

I am having trouble understanding the new password requirements.

Columbine Federal Credit Union's new password policy:

  • Must be between 6-15 characters
  • Must contain at least one number
  • Must contain at least one lowercase letter

All of my Secure Access Code contact information is outdated.  What do I do?
You will need to contact a member service representative at 720-283-2346.

What is Columbine Federal Credit Union's Login ID Policy?
Login IDs must be between 6-15 characters, contain at least one   It may contain any of the following special characters: ' ~ ! @ # $ % ^ & * ( ) _ + [ ]{ }| : " ; ' < > ? , . \ /

How do I change my password if I forgot it?
You may change your forgotten password by clicking on the "Forgot Password?" link on the initial login screen.

Why did Columbine Federal Credit Union change things?  The old online banking site was fine.
The upgrade was made to provide better account security and features that were not available in the old site.  We have added the following enhancements:

  1. Secure Messaging (send a question securely to the credit union if needed)
  2. Adding External Accounts (link your account with an outside financial institution for an easy way to transfer funds between accounts when needed)
  3. Alerts: Set up balance or other transaction alerts that are received via email, phone, or SMS (text message)

How do I cancel a transaction I created?
Go to the "Online Activity" option in the toolbar to the left of your account information.  Once in "Online Activity" highlight the transaction you wish to cancel and select the "Cancel" option in the menu above it.

How do I get transactions into Quicken/QuickBooks? It's not working anymore.
Once you are logged into your account, go to the "History" option in the toolbar.  There, you will see a dropdown button that says, "Display..."  Select that dropdown and pick "Export to File." Next, in the drop down just to the right select your appropriate choice.  If you were already a user of Quicken/Quickbooks before our conversion you will need to perform an update in your Quicken Product. 

I need to change the account/amount/date on a recurring transfer.  How do I do that?
Go to the "Online Activity" option in the toolbar, highlight the transaction and select the "Cancel" option in the menu just above it.  A recurring transfer may only be added or cancelled, not edited.

I keyed in a transfer a week ago, and it never hit my account.  What happened?
You may have created a draft of your transfer and may not have approved it.  To do so, go to the "Online Activity" option.  From here you may approve any pending transactions.

How long is my secure access code valid for?
15 minutes.

How long is my temporary password valid for?
24 Hours.

How long can I be logged into my account before it times out?

  1. 15 minutes with no activity
  2. Maximum of 60 minutes with activity (mouse clicking)

How long can I go without logging into my account before my account is locked?
If there are no logins for a period of 90 days, the account will be locked.

How long will the items show up in the "Online Activity" screen?
The system will show any information indefinitely.

If I add an external account, how long do I have to verify that external account before it will make me start the process over again?
14 calendar days.

Why is the on-screen response time slow?
Your computer hardware and internet access control response time. Factors that influence the speed of internet transmissions include internet speed, processor speed and the amount of RAM available on your hardware.

How current is the information I obtain through Online Banking?
The information you obtain through Online Banking is the exact information that we have stored on our computer systems. Our Online Banking service is real time and therefore, all of the information you see is the exact information that you would be given if you were to visit our office, use an ATM machine or Service Center/Outlet to inquire about your accounts.

How quickly are transactions posted by Online Banking?
Online Banking transactions occur instantly in "real time" during our normal operating hours. Outside our normal operating hours, your transactions will affect your available balance but the transaction history will not show up until the next business day.

What if I make a transaction error that I can't fix?
If you need help to fix a transaction error, call 720-283-2346 during business hours or toll free at 1-800-541-0249.

Is the Online Banking login on the Columbine Federal Credit Union homepage secure?
Yes. At Columbine Federal Credit Union, we are committed to safeguarding your personal information online to keep it secure and confidential.

You should look for the small padlock in the corner of your web browser when entering information you wish to keep secure (credit card number, social security, passwords and login).

What about the security alert box my browser displays?
Many Netscape and Internet Explorer browsers will alert you when going from non-secure to secure web pages. If this is enabled in your browser, you will receive the alert when logging into Online Banking. To enable this feature:

Internet Explorer

From the menu bar, select "Tools" then "Internet Options".

Select the "Advanced" tab.

Scroll down to "Security" and select the radio button "Warn if changing between
secure and non- secure mode."

Select "Apply" then "Ok."

Netscape

Click the "pad lock" icon in the lower left-hand section of your browser window.

Select "Navigator" from the left menu list.

Select the warnings that you wish to appear.

Select "Ok."

More technical information for those who want to know details: When you login to Online Banking from the Columbine Federal Credit Union home page, your Login ID and password are sent over the internet from your computer to the Online Banking server using Secure Socket Layer (SSL) technology. SSL encrypts your personal information before it leaves your computer, ensuring that no one else can read it.

Once you have signed in, you can check that your Online Banking session is secure in two ways:

Look for the small padlock icon usually located in the lower right corner of your web browser window. A closed (locked) padlock indicates a secure connection.

Look for the letters "https://" at the beginning of the website address or URL in your web browser. The "s" in "https", means secure.


Columbine Federal Credit Union will not contact you by unsolicited text messaging or automated phone calls. If you receive a message that indicates it is from us, it is most likely a scam.

Please call us at 720-283-2346 if you suspect fraudulent activity or have any questions.
Federally insured by NCUA