EPAT is available 24 hours per day, 365 days per year to serve you.
And best of all, there's no special software to load, no waiting in line, and no long distance calls.

To use iPAT, all you need is:

A Browser that supports SSL
Your LFCU account number
An initial Password issued by the credit union. (Your existing password can be changed by you on-line!)

That's it! Contact Us to get a password and start enjoying the convenience of your internet Electronic Personal Access Teller today!

Login Troubles?

Most members who have a password will have no problems logging into our home banking site. If you experience problems, try one of these solutions. If you still can't get in, let us know and we will investigate and try to help or offer another solution.

Using Netscape Navigator 3.X and older

Using AOL

If you don't allow cookies

Other known problems

Using Netscape Navigator 3.x or older

Our home banking site uses a secure digital certificate from Thawte Consulting that identifies us as the owner of this site so your browser will encrypt communications with the internet server.

Older Netscape browsers may get a message stating:

The security library has experienced a database error.
You will probably be unable to connect to this site securely.

This means that the Thawte Root Security Certificate in your browser has expired.

Root expiry is a normal part of CA operations - all CA certificates expire. On July 27 1998 the default Navigator 3 Thawte Root Certificate expired. The expiration does not affect other browsers as Thawte has longer-term roots in place for Navigator 4.x and IE 4.x. Because the Thawte root certificates embedded in Navigator 3.x expired in July 1998, all users of these browsers should follow these instructions to update the root certificate. It takes 2 minutes and means you won't experience any problems with our home banking site or the thousands of other secure Thawte sites.

Another option is to download a newer browser. This can be done at: Netscape or Internet Explorer download sites.

AOL Users

We have tested our home banking site using AOL 4.0 and found no problems. However, some users have reported that the 16-bit version will not implement the security technology necessary to enter the site. The 16-bit version is generally used with older Windows operating systems like 3.X.

Normally, AOL users who run Windows95 or higher are using the 32-bit version of AOL and it works fine. Apparently, some people are running the 16-bit version of AOL in Windows95 or higher in order to work around other internal network problems associated with the 32-bit version of AOL. In this case, the 16-bit version may not work. We suggest upgrading to the 32-bit version of AOL.

Don't allow cookies?

Some browsers allow you to reject cookies from servers. If you don't allow us to set a cookie upon entering the site, you will not be able to log in. The cookie we set contains information we need for security, and allows us to 'time out' your authority to view information. We place the cookie with instructions that it can only be sent to a server in our internet Personal Access Teller domain (homecu.net).

A cookie cannot be used to extract data from your system. When a cookie is set, your browser checks it for content, an expiration date, and the domain from which it came. The domain checking means that only homecu.net can access your internet Personal Access Teller cookie. We do not distribute your cookie or account information to other companies and we do not store your Access Code, User Id or Password in your cookie.

Other Reported Problems

Case Sensitive Passwords. All passwords in home banking are case sensitive.

Be sure the clock on your PC is correct. If your PC clock is wrong, we may time out your login authority before it even begins!

Don't create a shortcut in IE. You cannot create a shortcut to the home banking pages using Internet Explorer 5.0. Instead, create a shortcut to the page on our site that has the login button.