Internet Banking and Mobile Banking provide a two pronged approach for accessing your accounts electronically – anywhere you are, day or night. Internet Banking and Mobile Banking use the same username and password to login, so you can use either system, or both – the choice is yours.
Register for Internet Banking & Mobile Banking
Self-registration is available for personal and business users if we have an email address on file for you.
Username & Password Resets
Internet Banking and Mobile Banking use the same username and password, so if you have trouble logging into either system, you are resetting your access for both.
Enhanced Security
Two-Factor Authentication
If you are someone who likes additional layers of security, you can enable two-factor authentication so that you are prompted to enter a verification code each time you login to Internet Banking or Mobile Banking. You can receive the code by phone call, text, or email. Please note: text is the fastest and most reliable method to receive your code, as it is not impacted by an email provider, like an email notification is.
To manage your two-factor authentication preferences and ensure your phone is enabled for text messages, go to the Security tab within Settings. If you "remember" a device during login, you won't be prompted to enter a verification code the next time you log into your accounts.
Two-Factor Authentication Apps
Our Mobile Banking app supports the use of authenticator applications such as Google Authenticator, Authy, or Duo. All of the applications noted above work for both Apple (iOS) and Google (Android) devices. Please note that 2FA must be set up through Internet Banking and cannot be enabled through our Mobile Banking app itself. Once set up though, you can use an authenticator application to log into Internet Banking or Mobile Banking.
We highly encourage you to switch to a 2FA application as your primary method of two-factor authenticator as it is the most secure method of authentication. If you have the opportunity to disable your email address as a 2FA authentication option, you should do so to further secure and protect your online access and HVCU accounts.
Learn more by viewing our instructions for how to set up two-factor authentication (2FA) for our Mobile Banking app.
Biometric Authentication
You can enable biometric authentication (fingerprint or facial recognition) as part of your initial login to our Mobile Banking app, if available on your mobile device. Go to Touch ID within Settings on the app to enable this feature. Biometrics must be enabled on your device in addition to enabling them in our app. If you have two-factor authentication enabled, you will not be prompted to enter a verification code when logging in with fingerprint or facial recognition.
Supported Browsers & Systems
Please note: Our Mobile Banking supports the latest two iOS versions and as far back as Android version 8. Additionally, Internet Banking does not support Internet Explorer. Microsoft’s default browser is Edge, and that is the browser they support. To protect the security of your information and for a better user experience, we recommend using supported browsers, such as Chrome, Firefox, Safari, and Edge.
Internet Banking & Mobile Banking Functionality
Internet Banking and Mobile Banking share most of the same features, but there are some differences between them. Below is a comparison of the features available in each system, along with a notation if the feature is available for business members.
The New Acct / Loan App feature is the place to go to use our streamlined applications to open savings, checking, tiered money market, and certificate accounts, or to apply for credit cards and loans (except mortgages). When you access our applications from within Internet Banking or Mobile Banking, certain member info is conveniently pre-filled on your applications.
Let us know your travel plans through the My Travel Dates feature so that we can provide more accurate transaction approvals and declines for your HVCU debit and credit cards during your travel period. Select up to five states and/or five countries that you are traveling to during your trip.
Access HVCU Rewards! through the Card Management & Rewards feature within Internet Banking and Mobile Banking. Select the HVCU debit card or credit card you would like to view rewards for. Upon selecting your card, you are taken to the HVCU Rewards! website where you can view your point balance, browse rewards, redeem your points, and view additional merchant offers.
With easy-to-use account aggregation tools you can link external savings, loan, credit card, mortgage, investment, and even PayPal accounts, so that they display with your credit union accounts. You need the online login credentials for any accounts you want to link. The information below is helpful when linking accounts you have at other financial institutions:
- There are two ways you can link external accounts within Internet Banking:
- Click the LinkExternalAccounts Get Started button on your Dashboard (first image below)
- From the Accounts tab within Settings , click the Link an External Account link (second image below), and then Link Accounts from Another Financial Institution.


- You may be prompted to enter a one-time passcode to verify the accounts you are adding. You'll receive this code by text or email.
- When linking an account, the name of the institution may not come over exactly as you might expect, and you could see a generic name like Personal Loan or Credit Card. You can use the Edit Name function to rename the account to a name of your choosing.
- It could take a few minutes for newly added accounts to appear within our system, and you may need to refresh the page or log out/log in to see these accounts.
- Some financial institutions don't update external accounts automatically every day, and your accounts could take 1-4 days to update. Some financial Institutions may also require you to visit their site periodically to agree to updated terms, verify account information, or register your devices. You can force a manual update through the Accounts tab in Settings by reentering your credentials.
- If there is an error bringing an account over, the balance of that account will appear in red.
Snapshot is available on iPhone or Android devices (excluding tablets), and lets you view your accounts at a glance without logging into our Mobile Banking app. You can turn the Snapshot functionality on or off through the Settings menu. You can log into Mobile Banking from the Snapshot screen to view account activity or perform transactions.
The Snapshot feature is also available on Apple Watch and Android Wear devices, and can be downloaded from the applicable app store for each device. The Snapshot feature must be enabled within Mobile Banking in order for it to appear on your wearable device.
Internet Banking offers expanded transfer functionality when compared to our Mobile Banking app that offers basic to/from transfer functionality.
When you access the Transfers feature in Internet Banking, you'll see Quick, Classic, Scheduled, and History tabs.
- The Quick tab is great when you want to make a fast transfer. Select from a predetermined transfer amount, or enter any amount you choose.
- The Classic tab offers a bit more than the Quick tab and is where you go when you want to set up other members as transfer recipients (see more info directly below) or when you want to add external transfer accounts at other financial institutions (more info also below). You can also add transfer memos via this tab.
- The Scheduled tab displays any upcoming transfers you have set up in both list and calendar format -- whether you set these up through Internet Banking directly or via assistance from our staff.
- The History tab displays past transfers and lets you filter transactions by From Account, To Account, Date, or Status (failed or succeeded).
You can add a member transfer recipient through the Classic tab within the Transfers function. Once set up, you can make a transfer to the member through the Quick or Classic tab.

- You need the transfer recipient's member account number and account ID for the account you would like to transfer to (i.e. checking, savings, etc.)
- If your transfer recipient has a space or punctuation in their last name, you may need to remove the space or punctuation in order to add the recipient.
- When setting up a recipient, there is an option to save the recipient for future transfers. Be sure to check the Save Account for Future Use box if you regularly transfer to the member or if you think you'll transfer funds again to them in the future.

- When you add someone as a transfer recipient, an email notification is sent to both you and the recipient, indicating that they have been added as your recipient.
- You can change the nickname for a transfer recipient via the Accounts option within Settings. Look for the recipient within the type of account you added, i.e. savings, checking, etc.
The
Dashboard is the main landing area when you log into Internet Banking and displays your HVCU accounts, any external accounts you link through account aggregation, actionable alert items, and recent/upcoming account activity. You can also view your accounts from the
Accounts option under the
Accounts & Loans menu. Below is some additional info related to viewing and accessing your accounts:
- Reorder Accounts: Reorder your accounts within categories (savings, checking, etc) from the Accounts tab in Settings.
- Debits & Credits: Transactions for accounts such as savings, checking, and tiered money market accounts have been broken out into debits and credits so that you can more easily distinguish the money coming into and going out of your accounts. Transactions for loans remain in one column.
- Search: Search your transaction history by specific words, dates, transaction amounts, check numbers, and more.
- Sort Accounts: Sort your account details by date, description, debits, credits, and balance.
- Dividends & MICR Numbers: Extended account details show dividends earned year-to-date, dividends earned in the previous year, and the ACH/MICR number you can use for electronic transactions. Both accounts and loans have MICR Numbers for reference. The MICR number is located in the Account Details tab of a given account and is labeled ACH/MICR Number. The routing number is located at the bottom of every page of our site and is also located in the Account Details tab.
- Budgeting: Easily categorize your transactions to analyze your spending habits.
- Vehicle Leases: If you have a vehicle lease, you can view details about your lease loan.
- Mortgage Information: Click on your mortgage account to view mortgage details and transaction history.
- Credit Card Information: Click on your credit card account to view balance, payments, and transaction history information.
From the Card Management & Rewards feature within Internet Banking and Mobile Banking, you can block and unblock transactions on your Visa Debit Card at will -- which offers you additional security that is completely self-service. When a card is blocked, no transactions are allowed, including signature or POS transactions and ATM withdrawals. Conversely, an unblocked card allows all transactions. If you are someone who likes strict security, you could even keep your cards in the locked state and only unblock them when you want to make a purchase.
With this feature, If you card is lost or stolen you can immediately block the card to help prevent others from using it. If your card is lost or stolen, we ask that you still contact us so that we can make arrangements to send you a replacement card.
When you register a card, you can elect to receive alerts by text or email any time a transaction has been made with your card. At the present time, we do not have the ability to turn these alerts off once turned on, but future upgrades will restore the ability to turn them on and off at will.
Mobile Deposit
If your accounts are in good standing, you can use Mobile Deposit to make deposits via your mobile device anytime, anywhere.
- Deposit checks securely and directly into your HVCU saving, checking, or tiered money market accounts.
- To expedite your mobile check deposits, enable the auto capture setting within Mobile Deposit. Instead of having to manually snap a photo of both sides of a check during the deposit process, auto capture will automatically take a photo of your check as soon as the check is focused and lined up.
- There may be a delay of approximately five minutes between when you deposit a check and when the deposit info shows within your account details. If you don't see a deposit, you may want to log out of the app and back in to see the deposit.
- Our app provides warning messages when errors with deposits are detected. When issues are identified, this helps you correct them before submitting your checks for deposit. Warning messages may indicate that a check image is too dark or the endorsement on the back of the item is not detected. Some devices will even let you choose between manual and automatic image capture.
- Get confirmation on your mobile device for each successful deposit.
- Non-business members can deposit $10,000 per day and up to $30,000 over a rolling 30-day period. New members in their first 30 days of membership have a daily limit of $1,500 and a rolling 30-day limit of $6,000. Business members can deposit $30,000 per day and up to $60,000 over a rolling 30-day period.
- Always write "For Mobile Deposit Only" or "For HVCU Mobile Deposit Only" along with your member account number and account ID under your signature. In lieu of writing either of these phrases, you can also check the preprinted mobile deposit checkmark, if printed on your check.
- The first $225 of your deposit is generally available immediately and the remainder of the deposit is available the second business day after the day of your deposit. For example, if you deposit a $700 check on a Monday, $225 is available on Monday, with the remaining $475 available on Wednesday. Longer delays may apply under the following circumstances:
- We believe a deposited check will not be paid
- You deposit checks totaling more than $5,000 on any one day
- You redeposit a check that was returned unpaid
- You have repeatedly overdrawn your account in the last six months
- There is an emergency, such as a failure of computer equipment
- Please refer to the funds availability policy in our Truth in Savings Disclosure & Account Agreement for additional information.
- Please retain any checks you deposit through Mobile Deposit for 62 days. After that period you can destroy them securely.
- Having trouble capturing your check image? view these troubleshooting tips for better images and usage.
Tips for Better Check Images & Mobile Deposit Usage
- Always write "For Mobile Deposit Only" or "For HVCU Mobile Deposit Only" along with your member account number and account ID under your signature. In lieu of writing either of these phrases, you can also check the preprinted mobile deposit checkmark, if printed on your check.
- Ensure that signatures do not extend into the MICR line because this will cause an issue with the check recognition software.
- Place your checks on a solid-colored surface, in a well-lit area.
- Avoid shadows on your check.
- Keep your check as flat as possible.
- Make sure your camera lens is clean.
- Tap your device screen to trigger the auto-focus.
- View our Mobile Banking & Mobile Deposit FAQs and our Mobile Deposit Services Agreement for more info.
Settings/Customization
Enhanced user settings give you options to customize your online banking experience, including:
- Enable two-factor authentication (see above for more info)
- Customize your background image from over 20 pre-loaded images
- Add a profile image (of yourself or perhaps your favorite pet)
- Add external accounts, hide accounts, and reorder accounts within a category on your account dashboard
- Change the names on accounts and give them nicknames
- Update your contact information, including your primary, mailing, and alternate addresses, your email address, and your home, work, and mobile phone numbers
- Revoke tokens in the event your phone is lost or stolen
Click
Settings to customize the above features (the image below is from within Internet Banking). Some features are applicable to Internet Banking only or may only be customized within Internet Banking. You may need to refresh your page to see any changes you make to your settings.

Text Banking
If you are more of the texting type, you can get your account balances through our Text Banking service. You can enroll in Text Banking through the
Contact tab within Internet Banking
Settings. Add or confirm your mobile phone number and then set it up for SMS Text Banking (see checked boxes below). You’ll receive a text to confirm your enrollment.
Once enrolled, you can send the following text commands to short code 55124:
- BAL: Balances for each of your accounts, including joint accounts and linked external accounts (unless you’ve hidden an account)
- BAL CHK: Balances for all checking accounts
- BAL SAV: Balances for all savings accounts
- BAL INV: Balances for all certificate, investment, or tiered money market accounts
- BAL LOAN: Balances for all auto loans, mortgages, close-ended, or open-ended loans
- Help: Returns a list of valid Text Banking commands
- Stop: Disables Text Banking
We recommend that you add our short-code to your mobile phone’s address book.
Please note: Text Banking will not work if a Short Code Messaging block was put on your phone. You may receive an error code or an ambiguous command message if they are being blocked. You will need to contact your carrier to remove the block in order to utilize Text Banking.
Managing Your Text Banking Access
Update Your Text Banking Phone Number - If you ever need to update the phone number you use for Text Banking, you can do so through the Contact tab within Internet Banking Settings.
Deactivate Text Banking - You can text STOP to 55124, or you can go can uncheck the Enable Text Banking box on the Contact tab within Internet Banking Settings. You can always activate Text Banking again at a later date if you change your mind.
Lost / Stolen Mobile Devices – If your mobile device is lost or stolen, you can deactivate Text Banking by unchecking the Enable Text Banking box on the Contact tab within Internet Banking Settings. If you get a new phone number/device, you can activate Text Banking again at a later date.
Additional Troubleshooting, FAQs, and Usage Tips
Online Banking Disclosures