Security FAQs

The First Capital electronic banking applications allow you to manage your finances with the privacy and security you have come to rely on. Read the FAQs below for information on our security and accessing your account.



What Internet browsers can I use to access my account online?


The supported browsers are Internet Explorer (IE) 9 or 10, Firefox 15 or 16 and Safari 5.1.7. We encourage you to keep your browser current to protect your computer against security vulnerabilities.

Download one of the supported browsers now:

What if I am not using one of the supported browsers?


You may experience issues with online banking or be denied access to our system. If this occurs, please download one of the supported browsers and try again.

Why is the wrong image displayed?


If the incorrect image is displayed you may have entered your Login ID incorrectly or CUAtHome may be temporarily unavailable. If the problem persists please contact First Capital Member Service.

Why do I keep returning to the Welcome screen?


You may have entered your User ID or Password incorrectly. Look for an information message displayed above Welcome to CUAtHome.

Can I get locked out of my account?


Yes, CUAtHome will lock your account after three (3) invalid password attempts. To unlock your account contact First Capital Member Service.

How do I clear my browser cache and cookies?


You clear the cache and cookies differently in each support browser. Click here for instructions.

How can I remember my passwords and questions?


Consider using a password manager. These programs allow you to securely store your important information in an encrypted database. You can find these programs on a number of reputable download websites for no or low cost.

What happens if I do not log off of the Online Banking system?


CUAtHome has a built-in timer that will terminate your session after 10 minutes of inactivity.

How do I get help?

Contact Member Service:

Call us: (717) 767-5551 or (800) 893-2328

Email us: info@firstcapitalfcu.com

Hours: Monday, Tuesday, Thursday, Friday - 8:30 a.m. to 5:30 p.m. Wednesday - 9:30 a.m. to 5:30 p.m.

How Safe is online banking?


First Capital FCU online banking applications always use secure communications. We will only allow supported browsers with 128 bit Secure Sockets Layer (SSL) encryption to access our online banking applications. SSL ensures that electronic messages between your browser and First Capital cannot be read by eavesdroppers even if they were to be intercepted.

What is my Login ID?


Your Login ID is one way we authenticate you to protect your financial information. First Capital will provide your Login ID. You may change your Login ID if you so desire. If you elect to make a change your new Login ID must be 4-12 characters in length and cannot start with a number.

Do I need a password?


You must have a password to access CUAtHome. First Capital will provide your initial temporary password. You will be required to create a new password upon your first login. Your password must be 8-10 characters in length and may consist of uppercase characters,

lowercase characters, numbers and the following special characters: !�#$%&(*)+,-/;<=>?[\]^_�{|}. We recommend you create a strong password by combining different case characters, numbers and special characters.

How do I create a strong password?


Some security experts recommend using a password based on a mnemonic such as an easily remembered phrase. You can take the first letter of each word in a phrase and add a few special characters or numbers to make a strong password. For example, "To be or not to be, that is the question" can become 2Bor!2b?.

How often will my password change?


You will be required to change your password every 180 days.

Why must I change my password?


Security experts recommend regular passwords changes to protect your information from identity theft and fraud.

Why am I asked to select questions?


CUAtHome uses a challenge-response technology called multi-factor authentication (MFA). There are two pieces to MFA; a personal identification image (sometimes called a watermark) and "challenge questions". The first time you log into CUAtHome you will be required to choose an image (picture). This image will display on the password screen when you enter your correct Login ID and on each page within CUAtHome to let you know that you are on the genuine CUAtHome website. You will also be prompted to select three "challenge" questions and answers. Challenge questions are an additional way we confirm your identity.

How are the challenge questions used?


The "challenge" questions are presented anytime the system detects unusual activity. This may occur after incorrectly entering your password or when you attempt to login from a different computer.

How often will my questions change?


You will be required to select new "challenge" questions once a year.