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Belco's Online Banking


Belco takes the security of our member’s information very seriously. Please contact Belco at 800-642-4482 if you have any questions or concerns.

What Belco Does

User ID
When members sign up for online banking, they are given a unique User ID.  You can change this ID by logging on to Money Manager and going to Options.  You’ll need this every time you access your account online or use mobile banking. (When you call us or visit us in person, you will need to provide your membership account number and a form of ID and/or a Phone Password. If no Phone Password is setup, then another form of identification will be used.)

Belco requires that you have a password setup for online banking to secure your account.  You can reset your password by clicking on the “Forgot password?” link that shows up after you enter your User ID. You can also reset your password within online banking under “Options.”

Reminder: Belco staff will never call or email you and ask you to provide your online banking password.  Contact Belco directly if you have any questions or concerns related to home banking passwords.

Card Security Service
We contract with VISA Falcon Fraud Prevention Service who monitors our cardholders’ usage and flags transactions that may be considered fraudulent. With the Falcon Fraud detection system you will receive continual monitoring of your card activity to help identify and prevent fraudulent transactions in your account.


If Falcon Fraud Prevention Service believes there is suspect activity in your account, Falcon will contact you directly to verify transactions with your VISA Belco card. If Falcon is not able to reach you directly they will leave a voicemail with a call back number to verify transactions with your Belco Visa card, or they may block your account for security reasons.

Falcon’s 24/7 toll-free number is 888-373-2890. If the phone number left on your voicemail does not match this number, it’s not a legitimate message. Falcon will verify your identity, but they will never ask you for your card number, expiration date of your card or the security code on the back of your card.

Added Security for Online Purchases

Belco has implemented additional security features for your Belco Visa Debit and Credit cards to prevent fraud when making online card transactions.

When you attempt an online transaction using your Belco card, Visa will complete a risk analysis. If the transaction passes the risk analysis, it will process as normal. If the transaction is identified as higher risk (based on several factors, including merchant type, merchant location, dollar amount, and member transaction history), you will see a new screen on your device prompting you to call the toll-free number – 833-754-0386 – so that a representative can verify your identity and discuss the transaction with you. If you would like the transaction to process, the representative will place an approval status on your card, and you will be able to attempt the transaction again successfully.

What You Should be Doing

Create a strong and complex password. You can find some helpful hints and suggestions by visiting Belco’s password guidelines.

Stay Aware
Review Your Account Activity Regularly. The sooner you discover fraudulent activity on your account the better. You’ll also protect important dispute rights.

Always Log Off
ALWAYS log off and close your browser when finished using online and mobile banking. Using publicly accessed wireless networks or shared computers for online banking is a major security issue, which is why Belco doesn’t recommend using them to perform online banking activities.

Know Your Device
Take the time to read up on the security features of the device in which you are using for online banking. Use the security features offered and be sure to keep current with all updates.

Ask Questions
Cyber-criminals will use social engineering attacks to get you to divulge your personal and financial data such as using spoofed emails and websites designed to look authentic, even phone calls and text messages. Belco will never ask you for personal information in a call you did not initiate! If a call or text seems questionable, report it to Belco (or the financial institution it allegedly came from).

For even more helpful hints on what you can do to protect your personal information, please refer to Belco’s Best Practices page.