Due to a recent push by federal and state regulators, vendors that operate online banking programs are being required to improve online security. Some of the steps being taken are:

  • Locking out an IP address if excessive attempts are made to log on to online banking using the incorrect password.
  • Forcing periodic password changes.
  • Forcing more complex passwords.
  • Not allowing personal public information (i.e. name, street name, zip code, phone number) to be used as a part or as the entire password.

These are changes that have been recently implemented on CyberBranch. Unfortunately, this has resulted in some members being locked out of CyberBranch if their current password does not meet the new password security parameters. If you have been locked out, the first step you must do is clear your cache and browsing history in your internet browser. Once you have cleared your history, contact the credit union and tell the member service representative that you were locked out due the new security parameters. The staff member will check your account to unlock any parameters that have been locked and give you a new temporary password. You should be able to log onto CyberBranch, change your password, and access your account. We apologize for any inconvenience this may of caused.

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We have the answer for you! Call 1-800-567-3451. Have your card with you and follow the prompts to change your PIN to a number you are more likely to remember!

Another fee-free service brought to you by your staff at Financial Benefits CU!



In The Event of a Disaster

All of us who live and work in the Bay Area consider ourselves lucky. However, it does come with the risk of being in earthquake country. The staff of Financial Benefits Credit Union has policies and procedures in place in the event that a major earthquake, or other disaster, strikes the Bay Area. We would like to take this opportunity to remind our members that the credit union has partnered with the CO-OP Shared Branching Network, which gives all of our members access to their accounts at participating credit union. You just need your account number and a valid ID. In addition, both our automated Call24, our 24/7 phone service, and CyberBranch, our online banking service, available in the event of an emergency. For those members who are able to access CyberBranch, you can use the E-Message feature to contact the credit union directly, otherwise, send emails to Furthermore, if a major disaster occurs, the credit union will provide regular updates on this webpage.

* * * * * * * * * Important Information About Procedure(s) For Opening A New Account * * * * * * * * * * 

THIS IS YOUR DISCLOSURE CONCERNING IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. IT CONTAINS INFORMATION CONCERNING OUR REQUEST FOR INFORMATION IN ORDER TO VERIFY YOUR IDENTITY AND INCLUDES NECESSARY DISCLOSURES AS REQUIRED BY THE USA PATRIOT ACT (31 CFR PARAGRAPH 103 ET SEQ.) AND THE NATIONAL CREDIT UNION ADMINISTRATION RULES AND REGULATIONS (12 CFR PART 748). PLEASE BE CERTAIN TO READ THESE DISCLOSURES CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. Throughout these Disclosures, the references to "We", "Us", "Our" and "Credit Union" mean FINANCIAL BENEFITS CREDIT UNION. The words "You" and "Your" mean each person applying for and/or using any of the services offered by Us. "Account" means any account or accounts established by You. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for You: When You open an Account, We will ask You for Your name, address, date of birth, and other information that will allow Us to identify You. We may also ask to see Your driver's license or other identifying documents.

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