Capitol Federal Savings :: True Blue for over 110 Years

Frequently Asked Questions about True Blue Online® (TBO).

Account Questions & Answers

Which types of accounts can I access using Capitol Federal True Blue Online?

You must be a Capitol Federal customer to enroll for True Blue Online. To make bill payments, you must have a Capitol Federal personal checking account. You can review account balances for any of your personal checking, savings or money market accounts, certificates of deposit, IRAs, consumer loans and mortgages that have the same Social Security Number. You also can use the History function to review transaction history. In addition, you can transfer funds between any of your personal Capitol Federal checking, savings, money market accounts or Execuline loans, or make payments to mortgage and other installment loans. Transfers from a savings or money market account are limited by Federal law to not more than six (6) per calendar month, of which not more than three (3) may be by check.

What are "eligible" accounts for my User ID?

Each Capitol Federal product that is identified with the same taxpayer identification number (social security number) is an eligible account. This includes Passcard savings, checking, money market and certificate of deposit accounts, retirement accounts, home equity lines of credit ("Execuline"), consumer loans and mortgage loans.

Eligible deposit ownerships may include individual, joint, or revocable trust accounts; individual, IRA, Roth, education, SEPP and Simple retirement accounts; sole proprietor/practitioner accounts; Uniform Transfers to Minors; fiduciary (executor, administrator, conservator); or representative payee. Business accounts are not eligible to enroll.

How can I exclude an eligible account from being accessible?

There are two methods available to exclude accounts. Using TBO, you can go to Self Service and select Manage Account Preferences. This page displays all of your eligible accounts. You can exclude accounts from displaying online as well as whether to use for Bill Pay. This method only hides the account from display on the one customer associated with the TBO user ID.

The second method is to contact Capitol Federal and request coding the account as ineligible for online access. This method will restrict the account from any online use for all account owners.

Can multiple account owners each access their accounts?

All account owners may enroll for TBO separately, and each will have his/her own password. If each joint account owner also enrolls separately for Bill Payment Service, each owner will have his/her own list of payees and payment history.

When I open a new account or change ownership, how is my User ID profile affected?

Eligible new accounts generally will be added to your User ID. If you change ownership on an account and/or change the taxpayer identification number, that account will immediately be removed from your profile list, which also will prohibit online access for previous history.

The affected account number would be available under the new taxpayer identification number - the same as a new account - and would be added to that User ID profile, if applicable.

Any scheduled transfers or pending payments set up on accounts that have had a subsequent change in ownership will not be automatically deleted. They will, however, be rejected on the date that the funds are to be posted on the affected account.

For a Capitol Federal deposit account, what is the difference between "Current Balance" and "Available Balance"?

"Current Balance" is the total amount in your account.

"Available Balance" is the amount of your current balance that is accessible to you for withdrawal right now.

For a Capitol Federal mortgage, what is the difference between "Principal Balance" and "Escrow Balance"?

"Principal Balance" is the amount you still owe on the loan. Your actual payoff amount may differ from the balance shown because interest is applied daily to your account.

"Escrow Balance" is the amount currently available to pay taxes and insurance.

If you need the payoff amount of your loan, please call Capitol Federal at 1-800-222-7312 during regular business hours.

What details will I find on the Account History? Whom do I call if I have a question?

Account History allows you to review transactions posted to each of your accounts. You can review details about each transaction, including the date, amount and description of the transaction and the balance in your account after the transaction was posted.

If you have any questions, please call Capitol Federal at 1-888-8CAPFED.

How can I transact other Capitol Federal business?

The following activities are available through TBO using the Self Service menus:

Order Checks
Stop Payments
Order Check Copies
Order Statement Copies
Report Lost Card
Change Email Address
Inquire on Status of Bill Payments

By using "Secure Messages", you may request other information about your accounts or other services offered by Capitol Federal.

At this time, applications for any type of loan are not permitted using True Blue Online.

Secure message transactions are referred to agent specialists for handling. You will receive a confirmation response message once your request has been acted upon, usually within the current business day.

Bill Payment and Transfer Questions

Can I stop or modify my request to transfer funds for bill payments?

Yes. At anytime until you get to the "Transfer Funds Confirmation" screen, you can modify or cancel your funds transfer request. However, after you've completed a funds transfer transaction and have received a confirmation number, you cannot stop the transfer from occurring. At that point, if you change your mind about the amount you wanted to transfer, simply make a new transfer to move the funds between the appropriate accounts.

Bill payment transactions can be changed or voided as long as they are in a pending status. You can change only the current information if the payment is recurring. The remaining payments continue based upon the original schedule. To change the remaining payment schedule, you must void all payments and then set up the revised schedule as a new payment.

Can I tell when transfers or bill payments are posted to my account?

Yes. Transfers will be posted to your account immediately and reflected in your Account Balances. Schedule Transfers allow you to establish future-dated transfers that will be shown in Account History on the date the transfer occurs.

The debit for each scheduled bill payment is posted to your account on the "payment date". You can view these transactions on the Account History. You also can view payments paid to an individual payee on the "Payment History" sub-menu under the "Bill Payment" tab or all payments using the "Paid Payments" within the "Bill Payments" function.

It is very important to review any "Status Alerts" in the "Bill Payments" function to see if any payments were rejected. By reviewing the detail information on a rejected payment, you can send a "Secure Message" regarding special instructions for the payment that was rejected.

Are there any limits or restrictions on bill payments?

Individual or recurring bill payments will be limited to $9,999.99 or less per payment per day. Payees must have an address within the United States with a valid zip code. Bill payments are permitted only from checking accounts.

You may have an unlimited number of payees - either active or inactive.

Overdraft protection currently is not available for bill payment transactions.

Federal, state or local tax payments of any type are not permitted.

Are there any limits or restrictions on transfers?

Transfers will be allowed between most accounts in the User ID profile. Accounts that funds may be "Transferred From" include Passcard savings, checking and money market deposit accounts and Execuline home equity line of credit accounts. Accounts that funds may be "Transferred To" include all of the above plus consumer/installment loans and mortgage loans.

Transfers to other Capitol Federal accounts not included in the User ID profile may be paid using online bill payment. By using the “Pay to a Capitol Federal Account” button when setting up a new payee, you can schedule a payment (transfer) to another account.

Transfers may not exceed $49,999.99 per transaction.

Overdraft protection currently is not available for transfer transactions.

Transfers may not be created to Certificates of Deposit or retirement accounts, nor for other miscellaneous Capitol Federal services, such as tax and insurance escrow shortages, insurance policies or loan fees.

Can I make a transfer to another Capitol Federal account?

If the account that you wish to transfer or make a payment to is already one of the accounts in your user profile, you can use the “Transfer” tab to make an immediate or scheduled transfer. For accounts not in your profile, you can use the “Bill Payment” tab and the “Add or Modify Payees” sub-menu to add a new payee with the “Pay to a Capitol Federal Account” button.

Can I use the telephone to access my bill payments?

A feature of the new TBO website combines the convenience of using either the online or telephone interface to set up new, cancel existing or review paid and pending payments. You now have two great channels to access your payees and payments.

How much does it cost for Bill Payment and Transfers?

Bill Payment and Transfers are free. There are no daily or monthly charges related to normal activity. Charges may apply for rejected payments due to insufficient funds, stop payments, etc. Please refer to the Terms and Conditions for additional details.

Security Questions & Answers

Is my on-line communication with Capitol Federal secure?

Yes. Security is one of the most important issues we faced in making this service available for our customers. We have taken strong measures to ensure that your information remains confidential.

The first step is the use of a secure browser. Certain browsers and certain computers have the ability to communicate securely by scrambling the information as it passes across the Internet. The method of communication is called SSL, or Secure Socket Layer. We require the use of a secure browser and strongly recommend full 128-bit encryption before a connection can be made to the transaction system. You may update your browser using the icon provided on the logon page.

After you reach us using the secure browser, we take measures on our side to make sure your information is kept secure and confidential. Your information passes through a "firewall", which is a computer specifically designed to keep out unauthorized users. The information also is scrambled again to ensure it can only be read by authorized Capitol Federal representatives. For more information, please read our Privacy Statement.

How do I access my account information online?

For security purposes, Capitol Federal True Blue Online requires you to enter two key pieces of information using a secure connection. Your User ID and password which you select on enrollment, should only be know by you. These fields can be changed at any time.

Who can access my account information over the Internet?

Capitol Federal True Blue Online requires you to enter your User ID and Password that should only be known to you. Unless you have compromised your Password by revealing it to someone else, you are the only one who can access your account information using Capitol Federal True Blue Online.

Joint account owners can enroll separately.

Your online access is also protected by Capitol Federal’s True You Authentication. This feature compares your logon signature to previous logon patterns. If you are coming in with a different signature, you will be asked to respond to challenge questions to further verify your logon access.

When I attempt to sign on to Capitol Federal True Blue Online, I get an error message informing me that my User ID number is incorrect. What should I do?

You may have inadvertently entered the User ID incorrectly. Check your User ID and try it again.

If you are certain you are entering the correct User ID, call 1-888-8CAPFED to speak with a Capitol Federal representative.

When I attempt to sign on to Capitol Federal True Blue Online, I get an error message informing me that my Password is incorrect. What should I do?

You may have inadvertently entered your Password incorrectly. Make sure you are using the correct Password and try it again.

Perhaps you have entered the incorrect User ID which would not match to the Password you are entering. Make sure you are using the correct User ID and try again.

If you can't remember your Password, TBO provides a link on the logon page to reset your password. This is available only after you have enrolled in True You Authentication. If you are not successful in resetting your password or have not yet enrolled, you will need to call 1-888-8CAPFED.

Why is it important to select "Logout" when I'm finished using Capitol Federal Internet Banking or when I walk away from my computer?

Once you have signed on to Capitol Federal True Blue Online, you have begun an "active session." If you walk away during the course of an active session, someone else can use your computer to perform transactions involving your accounts. It is similar to walking away from an ATM while your card is still in the machine.

For your security, Capitol Federal True Blue Online will automatically end your active session if there is no activity on your PC for about 20 minutes. However, to eliminate any exposure, it is always better for you to end the active session by selecting "Logout".

Frequently Asked Questions about True Blue Online® (TBO).

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Account Questions

Bill Payment and Transfer Questions

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Account Questions & Answers

Bill Payment and Transfer Questions

Security Questions & Answers

Other Questions & Answers