What is Online Banking?

Online banking is a convenient way for Houston Credit Builder customers to conduct much of their personal and business banking via the Internet. With Online Banking, you can:

• Check account balances
• Transfer funds between accounts
• View detailed history of your account transactions
• View current and previous monthly statements

Can I use Online Banking if I only have a CD, Loan or Savings Account?

Yes. If you have any account, you can get Online Banking for free.

How can I add or delete an account from Online Banking?

The change can be made through any customer service representative at any of our locations.

Is there any cost to use Online Banking?

No. Online Banking is free. All other terms and conditions of your accounts continue to apply.

Logging On and Off Online Banking

I'm having difficulty logging in. What do I do?
If you complete the Online Banking ID and Password fields and click Login, but your computer does not seem to do anything, the problem may be your browser. The most common reason for this is that your computer settings need to be adjusted to accept cookies.
Why does it say "Your Account is Currently Locked" when I try to log on?
This is strictly for your security and protection. Accounts will lock for reasons such as extended inactivity or the incorrect password being entered 3 times in a row. If your account is locked, please contact our bank. Once your identity has been verified, we will unlock the account and reset the password.
What happens if I forget my Password?
You are allowed 3 attempts to enter the correct password before your account will be locked. If you cannot remember your password and/or you are locked out of the system, please call our bank or click the password reset tab if you have created a personal question and answer previously.
Can I reset my own Password?
Yes, you can reset your password without contacting the bank. First, you must successfully log in and click on the 'Options' tab. Then create your personal question and answer. The next time you are locked out you click the 'Password Reset' tab and follow the instructions.
What happens if I don't log off the system?
Online Banking has a 10-minute time-out feature. After 9 minutes of inactivity, the system will produce a pop-up window, warning of the time-out feature and prompting you to continue if you desire. Once the system has been inactive for 10 minutes, the user will be required to re-enter his or her Online Banking ID and Password. For your protection, we recommend that you always formally log off the system at the conclusion of your session.

Using Online Banking

What types of accounts can I view with Online Banking?
With Online Banking you can view most of your checking and savings accounts, certificate of deposit accounts, as well as most loan accounts.
How do I add or delete accounts to my Online Banking?
Speak with a Customer Service representative at our bank, or contact us via this web site.
How often is account information updated?
Account transactions and balances are real-time and change as you carry out transactions. There may be periodic delays due to processing or system issues beyond our control. Online Banking transactions are processed and information updated only on business days.