Instructions BANK IT: Use the function tabs of this feature to access information for your accounts at IRCO. Our Virtual Branch Internet Banking allows you to view balances on accounts and cross accounts you have with us. You can also make loan payments immediately or schedule them for a future date. View your Internet transfer history and account history with the click of your mouse. MAIL IT: Use this feature to contact us through our secure site if you have a question, problem or discrepancy with your account. Send and receive email to and from our credit union staff and we will work quickly to get an answer back to you as soon as possible. PAY IT: Use this feature to pay your bills online. The easy one time setup of your Merchants makes for no checks, no envelopes, and no stamps. Just a couple of clicks and your bills are paid. To Setup Merchants: Go to Merchant Accounts, Select the "Add Merchant" tab, fill in: Merchant Name, Address, Phone Number, and Account Number. The User Specified Account Name is for your information only. This is an optional field that is similar to the memo line on checks (For example: cell phone bill). When you are done filling in the information, click "OK". A screen will ask you to verify the information you entered. BE SURE the information entered is correct. Incorrect information could result in erroneous payments and/or fees assessed. Do this for all merchants you want to setup for Bill Pay. To Make Payments: There are two ways to make a payment. You can use either QUICK PAY or SETUP/MAKE/CHANGE Payments. Choose a Merchant, fill in the information and click "OK". A box will popup with all information entered. Check it and then click "OK". You will receive a confirmation number on the screen that you can print or log. PERSONAL INFO: Use this feature to change your password or your security questions. EXPORT IT: Use this feature to download your account information from our site into a financial management software program that you already have, such as Microsoft Money, Quicken, etc. Save the files you want to download in a .qif format, which will import easily into various financial management programs. Simply click on the files you want to save, name the file when prompted, and you're on your way. Should you have any additional questions, please contact our office. We will be more than happy to help get you started using our great new Virtual Branch Internet Banking and Bill Pay feature.