A: Enrolling in the Ember Financial Services Cardholder Center will give you free access to your account 24 hours a day, seven days a week. You'll be able to check your balance, view statements, set up one-time and recurring payments, set Email Alerts and more! It's an easy way to manage your account.

A: Enrolling is easy. From the Log In screen, click on the Enroll button located next to User Name and Password input area. Required information includes your first, middle initial and last name (as they appear on your account statement), your Ember Financial Services Cardholder Center credit card account number, the last 4 digits of your SSN, your date of birth, state you reside in and your email address. You will also need to choose a User Name and Password.

A: No. Providing your cell phone number is optional.

A: The requirements for User Names and Passwords are as follows: User Names must be between eight (8) and twenty (20) characters long and cannot contain special characters such as *(){,.<@#$% or spaces. Password must be between eight (8) and twenty (20) characters long and must contain at least 1 lowercase letter, 1 uppercase letter, 1 number and 1 special character. Special characters are !,@,#,$,%,^,&,*,( and ). In addition, passwords cannot be the same as the User Name.

A: Some guidelines for creating a password are:

A: First, check to make sure you are using the correct User Name and Password. Remember, User Names are between eight (8) and twenty (20) characters long and do not contain spaces or special characters. Password must be between eight (8) and twenty (20) characters long and must contain at least 1 lowercase letter, 1 uppercase letter, 1 number and 1 special character. Special characters are !,@,#,$,%,^,&,*,( and ). Passwords cannot contain spaces or special characters.

A: If you forget your Password, please click the Forgot your Password link on the Log In screen. If you forget your User Name, please contact Customer Service at 1-866-503-2856.

A: The minimum browser requirements to use the Ember Financial Services Cardholder Center are Internet Explorer 11, Google Chrome 43, Safari 8 and Mozilla Firefox 38 or higher versions.

A: Yes. If you want to use the Ember Financial Services Cardholder Center to manage your account online, you must agree to the Terms and Conditions set forth on the site.

A: Account Summary shows you a current summary of your credit card account information including: Current Balance; Minimum Payment Due; Payment Due Date; Last Payment Amount.

A: They are:

A: When you select Online Statements from the Account Information menu, you will be presented with your most current monthly statement. The online statements will be available to view in .PDF format and will show you the same information that is on the monthly paper statement you receive in the mail. If you have questions about your statement information, please contact Customer Service at 1-866-503-2856.

A: On the Statements screen, a drop-down box showing Previous Statements is displayed on the screen. Select the statement closing date you wish to view from the drop down box. Please note that you will only be able to see up to 24 months worth of online statements.

A: The field descriptions are:

A: To download transactions, select a format from Download Transactions. You can download transactions to your computer to use with personal financial management software such as Quicken® or Microsoft® Money, spreadsheet or database programs.
Downloaded transaction files will not automatically be imported into your software. First, save the file. Then, import it through your software application. If you are not sure how to do this, check your software's help files.

A: The format you should choose depends on the software you are using. For example, .QIF format should be chosen if you are using personal financial management software, such as Quicken® or Microsoft® Money. CSV (comma-separated text) or .DAT (tab-separated text) should be chosen if you are using Microsoft® Excel or other spreadsheet or database programs. Check your software's help files to see which format will work best.

A: Search Transactions uses criteria you select to search your account history and display transactions that match. You can search for transactions based on: transaction type (purchase/debit, credit, payment); merchant store description (using all or part of a merchant name); expense category (select the category from the drop-down box); transaction memo (using all or part of a memo you entered on the Transaction Detail page); amount of transaction (select equal to, less than, or greater than and enter a dollar amount.); and posted since (select a month and year to be used as a start date for your search.)

A: Yes, but remember that search criteria are combined. If you choose more than one, all of the criteria must be met in order for the transaction to be found and displayed.
If you are getting too many transactions on your results page, try using more specific criteria to shorten your results. If you are not finding the transactions you want, start with a very general search and then add more specific criteria to narrow it down.Please remember that you can only search transactions for the online statements that are available. You can see which months are available to search by going to Statements.

A: The Online Payment service enables you to manage your payment account information and schedule, view, edit and cancel one-time and recurring payments toward your Ember Financial Services Cardholder Center credit card account balance.

A: The Online Payment service passes your online payment and bank information over a secured Internet connection to a secured server. After verification, your online payment information is sent electronically to your bank on the Payment Date you specify.

A: Prior to scheduling your first online payment through the Online Payment service, you will need to add at least one Payment Account, from which funds will be withdrawn to pay your Ember Financial Services Cardholder Center credit card account, enroll in the service and agree to basic payment Terms and Conditions.

A: Yes. A valid email address is required to use the Online Payment service. Please make sure that your email address, as displayed on the top of each page, is correct. If it is not, please select the Update Contact Information menu item.

A: Yes. Please read the Online Payment Terms and Conditions page carefully to understand the Terms and Conditions that apply to your use of the Online Bill Pay service. If you agree to the Terms and Conditions, select I ACCEPT to continue to enroll in the Online Bill Pay service.

A: A Payment Account is the checking or savings account you will use to make online payments to your Ember Financial Services Cardholder Center credit card account. When you set up a Payment Account, you will need to know your checking or savings account number, the type of account (checking or savings) and your bank's routing/transit number. You will also be able to assign your Payment Account a nickname to easily reference that account. The information you provide will be securely stored and you will not have to re-enter your primary bank name, routing/transit number and bank account number every time you schedule a payment. You can also set up as many Payment Accounts as you'd like.

A: Select Make One-Time Online Payment from the Payment Services menu. Then, from the drop down box, choose which Payment Account you want the payment to be made from. From there, you must choose the amount you want to pay to your account. You can choose to pay the Current Minimum Payment Due, the Current Balance or another amount as long as it is at least $15.00 and does not exceed your current account balance. Then, choose the date you would like to have the payment posted to your account and click Continue. You will be presented with an overview page, which enables you to review, edit, cancel or submit your payment and associated Payment Account information. Any time you submit a payment, please print the Thank You page for future reference. Please Note: You will not be able to have payments processed using the Online Payment service more than once in any 24-hour period and you may not schedule an online payment to be processed more than 30 days in advance.

A: Recurring payments are when the day and frequency that you pay your account remain the same each month. Recurring payments are processed each month until your requested stop date, if any.

A: From the Make a Payment menu, choose Set Up Recurring Online Payments. Once there, choose the Payment Account you would like the Minimum Payment Due to be made from (to pay a different amount, please set up a One Time Payment). All recurring payments will be posted on your Payment Due Date each month if you choose On Every Payment Due Date. Or you can choose a specific date in the month as your scheduled payment date. If you wish, you can schedule a Stop Date for Recurring Payments. Then, click Continue. You will be presented with an overview page, which enables you to review, edit, cancel or submit your recurring payment and associated Payment Account information. Any time you schedule a recurring payment, please print the Thank You page for future reference.

A: Yes. Go to Payment Services and select Payment History. You will be presented with all payments that have been posted to your account.

A: Yes. Under Payment Services, choose Pending Payments, you will be presented with pending payments that you scheduled from online service center, phone or our customer services. To cancel a scheduled payment, click the word Cancel next to the payment and you will be presented with a review screen. After review the information, click on the submit confirm to complete the cancellation.

A: Yes. You will continue to receive your statements in the mail. The payments scheduled and processed through the Online Payment service will be reflected on your statement just like any other transaction you make on your account.

A: No. You can make payments online, over the phone, or by sending in a check, cashier's check or money order through the mail. If you make your payment by mail, please remit the payment portion of your statement with your payment to: Ember Financial Services, P.O. Box 660676, Dallas, TX 75266-0676. Please remember to allow 7-10 business days for processing.

A: The Default Payment Account is the first checking or savings account you entered and submitted through the Online Payment service and it will be the default bank account for payments scheduled in the future unless you select a different account when making One-Time Payments or scheduling Recurring Payments.

A: You can edit your Payment Account information by going to the Make a Payment, Manage Payment Information screen. You can select the Payment Account you'd like to change and click on Edit. Then, you can update or change information associated with that Payment Account. After you have made your required changes, click Save to complete the update. Payments scheduled after the bank account is edited will default to the updated Bank Information.

A: You can remove an account by selecting that account and clicking on Remove. Then, confirm your choice to delete the Payment Account. Please note that you can’t remove a payment account if there is a pending payment or recurring schedule using the account you attempt to remove until you cancel the pending payment or recurring payment schedule.

A: When you set up an Email Alert, you will be reminded by email when an account or transaction event that you wanted to know about occurs. You can choose to receive as many alerts as you wish.

A: You can set up Email Alerts for both account and transaction events. Account alerts can help notify you when new statement information is available or when your Payment Due Date is coming up. Transaction events let you know when a payment or credit has been posted to your account.

A: We will send you emails automatically when you enroll in the Ember Financial Services Cardholder Center or when you have changed any account information (email address or telephone numbers).

A: You will not be able to opt out of automatic alerts but you may cancel Email Alerts you have set up manually.

A: Click on the check box next to the alert you want to set and enter any required information. Click Submit to set the Email Alert and add it to your list of current Email Alerts.

A: Yes. The email address we have for you is automatically displayed on this page. If you want alerts to go to a different email address, go to Update Contact Information under the Account Services menu.
Please note when you change your email address for an alert, all of your previously set alerts will now be sent to the new address, and the email address we have on file for you will also be updated.

A: Yes, just select Email Alerts from the main menu.

A: You will be sent an account event Email Alert the first time the condition occurs. These Email Alerts will be automatically reset once the condition is valid again. For example, if you set an Email Alert to remind you a payment is due in 5 days, you will get an alert the first time that happens. A payment due reminder alert will be sent the next time when your payment due is within 5 days. A transaction event alert is sent every time the condition you selected occurs.

A: You can delete any alert by selecting the Delete link shown in the Current Email Alerts list.

A: To change your contact information, click on Update Contact Information from the Account Services menu. Once there, you can add or update information on your home, work and cell phone numbers and your Email Address. Once you have changed any necessary information, click Continue to complete the process. Once the information is processed on our system, you will receive an automatic email.

A: Yes. To change your password, Log In to the Ember Financial Services Cardholder Center and select Change Password from the Customer Assistance menu. Type in your new password in the top box and then again in the lower box to confirm. Remember - Password must be between eight (8) and twenty (20) characters long and must contain at least 1 lowercase letter, 1 uppercase letter, 1 number and 1 special character. Special characters are !,@,#,$,%,^,&,*,( and ). After you have entered your password twice, click Submit to complete the process.

A: As often as you'd like.

A: If you forget your Password, please click on Forgot your Password from the Log In page. To ensure account security, you will be required to enter your account number. You will then have to enter the last 4 digits of your SSN and your date of birth for us to re-validate you. Once entered, you must choose a new password.

A: Yes. You can un-enroll from the Ember Financial Services Cardholder Center by clicking on Unenroll from the Customer Assistance menu and selecting Continue. This will un-enroll all accounts currently enrolled in the Ember Financial Services Cardholder Center and will cancel any One-Time or Recurring Payments you have set up.

A: Yes. You can re-enroll using the same process that you used originally.