Supported Browsers & Systems
Our Mobile Banking supports the latest two iOS versions and as far back as Android version 7.
Additionally, Internet Banking does not support Internet Explorer 11. 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.
Two-Factor Authentication, Biometric Authentication, & Two-Factor Authentication Apps
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
Security within the
Settings tab. 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. Please note: if you switch between two usernames on the same mobile device, your biometrics will reset themselves.
User Management, Roles, & Authorizations (Business Admin Widget)
If you have more than one individual that helps manage the finances of your business, our Internet Banking and Mobile Banking systems allow you to have more than one user associated with your login. You can also grant authorized users permission to perform specific types of transactions.
Business Users
Business users fall into one of two categories -- master user or authorized users.
Master User - The master user is the primary user of your business and the one who registers for online access.
- The master user can add other authorized users. Please note: Authorized users cannot be added, edited, or deleted using a mobile device.
- A business can have only one master user, so if your business has co-owners, one owner will have to be an authorized user.
- A master user must be assigned the role of Manage Users and Roles permissions to create, edit, or remove other authorized users.
- If a master user’s status is Locked, authorized users may still access Internet Banking/Mobile Banking. However, if a master user’s status is Disabled, authorized users are not able to access Internet Banking/Mobile Banking.
Authorized Users - Staff in your business who you'd like to give Internet Banking/Mobile Banking access to are considered authorized users.
- Authorized users are not able to register for Intenet Banking or Mobile Banking access on their own.
- A master user creates the usernames for any authorized users and notifies their staff of those usernames. Usernames must be unique to one individual.
- Our systems allow you to assign different roles and varying levels of permission so that you can establish limits to the types of transactions your authorized users are able to do. Roles can be changed at any time.
- Authorized users do not have access to mortgage accounts.
- Like a master user, authorized users with the proper permissions can add, edit, and delete other authorized users.
- A master user can reset a authorized user's password if the authorized user's account has not been disabled by HVCU.
Roles
A role is a group of Internet Banking/Mobile Banking feature permissions, account access permissions, and transaction limitations that are assigned to authorized users. Typically, role permissions turn on/off specific functionality for an authorized user. A master user and authorized users with the
Manage Users & Roles permission can manage roles, authorized users, payees, and authorize transactions via the
Business Admin widget.
- Roles determine the set of features an authorized user is allowed to use. For example, you can assign an authorized user the ability to make wire transfers or perform ACH transactions. Other features you can set user permissions for include, but are not limited to the following:
- Mange Users & Roles
- Manage Payees
- Allowed to Authorize ACH Transfers, & Wires
- Add External Transfer Account
- Collect Funds from Consumers
- Business Payments
- Allowed to Pay Bills
- Create Domestic Wires
- Roles determine the accounts authorized users can transact upon while using Internet Banking/Mobile Banking. If you only want authorized users to access a checking account and not other accounts, you can set that up in our system. See below for additional information about account permissions.
- Roles dictate any transaction limits you'd like to set up with regards to specific transaction types. Perhaps you have a new employee that you'd prefer to have a low transfer limit until they become more familiar with your business. See below for additional information about transaction limits.
- Roles also establish whether or not authorized users can approve transactions that may require a second authorization. To use wire transfers as an example again, you can require a second authorization on wire transfer requests before they are sent to HVCU for processing. See the additional information below about authorizing transactions.
- You do not need to create and assign any roles if your business has no authorized users.
- A master user must first create a role before adding any authorized users to that role.
- You can assign a role to more than one authorized user in your business.
Account Permissions
Account permissions designate which accounts your authorized users are able to transact upon. Typically account permissions turn on/off specific functionality for a particular account. Below is an overview of the account permissions available:
- ACH: Provide ability to submit ACH Batches from an account, and View scheduled and Historical ACH submissions from an account.
- Bill Pay From: Ability to use Bill Pay for a given account.
- Stop Payment: The ability to submit a stop payment for checks on an account.
- Transfer Funds Into: The ability to transfer funds into an account and view associated transfer history using the Transfers widget.
- Transfer Funds Out From: The ability to transfer funds out from an account and view associated transfer history using the Transfers widget.
- View Account: View an account, and view an account’s balance and the associated transactions in the My Accounts widget.
- View Draft Images: View images of checks and drafts drawn on an account.
- View Statements: View images of statements for an account. Please note: This could display other statements, if an account’s statements are combined with other accounts.
- Wire Funds Out From: Provide the ability to submit wire requests and view scheduled and historical wire submissions from an account.
Transaction Limits
Master users and authorized users can set transaction limits based on the type of transaction and timeframe of the transaction. Authorized users can have different transaction limits for each other. Additionally, business users have limits that roll up into the overall limits for a business as a whole.
| Transaction Types |
Limit Categories |
Limit Timeframes |
ACH Collections
Internal Transfers
Wire Transfers
ACH Payments
External Transfers |
Authorized Limit
Maximum Limit
Can Authorize |
Daily Limit
Weekly Limit
Monthly Limit
|
Please note: Pending transaction amounts count against a business user's limits in addition to the overall limits of your business. When a request is rejected or cancelled, that amount is then available for the business user and the business overall.
Transaction Authorizations
You may require another authorized user in your business to authorize/approve a payment, such as an ACH, wire transfer, or transfer request, before it is sent for processing.
- You can set up authorizations on the Authorizations tab within the Business Admin widget.
- Any business user that is tasked with authorizing transactions will need the following roles, as applicable: Allowed to Authorize Wires, Allowed to Authorize ACH, or Allowed to Authorize Transfers. If a business user is assigned to a role that does not include these permissions, they will not see the Authorizations tab within the Business Admin widget.
The chart below provides guidance to ensure your business users are configured properly to authorize the transactions you need them to manage:
| Transaction Types |
Requirements |
| ACH |
The business user’s role must:
● Have the Allowed to Authorize ACH role permission
● Be permitted to the ACH transaction type used in the template (for example, the business user must be permitted to the Payroll transaction type before they can view or authorize the transaction)
● Be permitted to the ACH offset account used in the template
● Have adequate daily, weekly, and monthly ACH Collections Can Authorize (debit) or ACH Payments Can Authorize (credit) limits to cover the value of the ACH template |
| Wire |
The business user’s role must:
● Have the Allowed to Authorize Wire role permission
● Be permitted to the wire funding account
● Have adequate daily, weekly and monthly Wire Transfer Can
Authorize limits to cover the value of the wire transfer |
| Transfers (Internal) |
The business user’s role must have:
● The Allowed to Authorize Transfers role permission
● Account permissions to the Transfer Funds Into and Transfer
Funds Out From accounts used in the transaction
● Adequate daily, weekly, and monthly Internal Transfer Can
Authorize limits to cover the value of the internal transfer |
| Transfers (External) |
The business user’s role must have:
● The Allowed to Authorize Transfers role permission
● Account permissions to the Transfer Funds Into and Transfer
Funds Out From accounts used in the transaction
● Adequate daily, weekly, and monthly External Transfer Can
Authorize limits to cover the value of the external transfer |
Here are some additional things to keep in mind when authorizing transactions:
- Transactions can have one of the following statues: Need Authorization, Authorized, Rejected, Expired, or Cancelled.
- Transactions with a Deliver by Date of today, that have a Needs Authorization status, but have not been authorized prior to HVCU’s cutoff times are automatically marked Expired and can no longer be submitted to HVCU for processing. Expired transactions must be submitted again.
- Transactions in a Needs Authorization status can be authorized or rejected using the Authorizations tab in the Business Admin widget, and can be done on a desktop or mobile device.
- If a business user rejects a transaction, Internet Banking/Mobile Banking automatically recalculates the submitting business user’s daily, weekly, and monthly limits, and removes any deductions recorded against those limits for the transaction type.
- If a transaction is rejected, the business user submitting the transaction gets a notification email regarding the rejection.
- Depending upon a role’s permissions, business users can establish notifications (alerts) when an ACH template, wire, or account transfer request is submitted for approval. Subscribers will see alerts displayed on their dashboard as well. Alerts are configurable under Settings / Notifications.
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
- Customize the default widgets that appear on your Internet Banking navigation
- 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 business contact information, including your address, email address and phone numbers.
- Revoke tokens in the event your business phone is lost or stolen
Click the
Settings option 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.
Lost/Stolen Mobile Devices
If your mobile device is lost or stolen, you can restrict Mobile Banking access by revoking tokens through the
Settings area of Internet Banking. Once in
Settings, click the
Applications tab and expand the
Tokens drop down. You'll see recent locations (IP addresses) and dates where you logged in. Revoke some or all of the locations.
Accounts & Loans
The
Dashboard widget 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 through the
Accounts widget
.
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 easily distinguish the money coming into and going out of your accounts. Transactions for loans are 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.
- Budgeting: Easily categorize your transactions to analyze your spending habits. See the information below for more information about our budgeting tools.
- Vehicle Leases: If you have a vehicle lease, you can view additional account details about your lease loan.
- Credit Card Information: Click on your credit card account to view balance, payments, and transaction history information.
- Account Aggregation: Our account aggregation tools let you display accounts you have outside of HVCU right along with your credit unions accounts. See the account aggregation section below for more info about linking external accounts.
Finding the MICR Number and Routing Number for an Account
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.
Account Aggregation
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 Link External Accounts (Account Aggregation) Get Started button on your Dashboard widget (first image below)
- From the Accounts tab within the Settings widget, click the Link an External Account link (second image below), and then Link Accounts from Another Financial Institution.
- Accounts must be linked within Internet Banking but are visible through Mobile Banking once linked.
- 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 the Settings widget by reentering your credentials.
- If there is an error bringing an account over, the balance of that account will appear in red.
Transfers/Member to Member Transfers/External Account Transfers
Transfers
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 widget 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).
Member-to-Member Transfers
- Your business can schedule transfers and set up recurring transfers to your personal credit union accounts or the accounts of other credit union members.
- Please note: Any recurring transfers that you have set up between your own accounts will carry over to our new systems.
- Please note: Any recurring member-to-member transfers that you have set up already will carry over to our new systems. Additionally, the contacts associated with any recurring transfers will also carry over to our new systems so that you can transfer to them in the future.
- Please note: Any member-to-members transfer contacts you have set up in our current system that do not have recurring transfers will not carry over to our new systems. We recommend making note of such contacts so that they can be set up again after our upgrades.
- 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.
External Transfers
With the external accounts function, you can transfer to an account you have at another financial institution from your credit union accounts. You'll need your account number and the routing number of the institution where you have your account.
There are two ways you can link external accounts within Internet Banking:
- From the Classic tab within the Transfers widget, click the Add an External Account link (first image below).
- From the Accounts tab within the Settings widget, click the Link an External Account link (second image below), and then External Transfer Account.
To link external accounts within Mobile Banking, click the link external accounts feature at the bottom of your
Accounts overview (iOS devices only).
Linking from
Classic tab in the
Transfers widget:
Linking from the
Accounts tab in
Settings:
As part of the process of setting up an external account for transfers, you are required to send two deposit transactions to the account you are linking. To confirm your deposits, select
Settings /
Accounts /
Confirm Test Deposit.It may take up to three business days for these transactions to appear in your history.
ACH (Business ACH Widget)
With the Business ACH Widget you can electronically send and receive funds, making these types of transactions quicker, safer, and easier. ACH transactions are commonly used for things like payroll direct deposit, invoice payments, and recurring bill payments. You can also create templates for recurring payments or collections.
- Any recurring ACH transactions that you had set up carried over to our new systems so that they process on their next scheduled processing date.
- If you used any ACH templates in our old systems, those templates did not carry over to our new systems.
- The ACH and wire transfer transaction history you may be used to viewing in the Internet Banking Activity summary did not carry over to our new systems. As a reminder, this information is still available in your transaction history and on your monthly statements.
Setting Up Business Users to Initiate and Manage ACH Transactions
Refer to the User Management, Roles, & Authorizations (Business Admin Widget) for information about roles.
ACH Limits
Please note the following with regards to ACH limits:
- Businesses can perform ACH transactions up to $50,000 daily, $100,000 in a rolling seven days, and up to $200,000 in a rolling 30 days.
- Authorized users can be assigned different limits based upon transaction needs for your business. Refer to Business Admin Widget in Internet Banking for more information.
ACH Cutoff Times
ACH requests must be completed and received by 2:00 pm ET, Monday through Friday, for same-day processing. ACH requests completed and received after 2:00 pm ET, Monday through Friday, or on a Saturday, will be processed on the next business day.
Payees and Payment Methods
- A business user must be logged into Internet Banking to add a payee and/or create an ACH template.
- Before a business ACH template can be submitted, a business user must set up Payees. Business users who are assigned the Manage Payees permission can add, edit, and delete payees.
- Once a payment method is added to a payee, that payee will then be eligible for payments related to the added payment method.
ACH Templates and Payees
- An ACH Template is a set of instructions, that once created and saved, can be used in the future as the starting point from which to send payments, saving time and reducing processing errors.
- ACH Templates and Payees are created, modified, or deleted by accessing the Payees tab, located within the Business ACH widget.
- ACH Templates cannot be edited or deleted using a mobile device.
- The Business ACH widget allows business users to submit ACH debit and credit template requests.
- Below is an overview of the functionality available within ACH Templates:
- Create an ACH Template: This feature enables authorized business users to create new ACH templates.
- Copy an Existing ACH Template: The copy feature allows users to copy existing ACH templates.
- Edit an ACH Template: Allows business users to edit the Name of the template, Company Entry Description, Offset Account, and the Access Level. Edits cannot be applied to templates pending authorization, authorized templates, or future-dated templates.
- Delete an ACH Template: Allows permitted business users to delete ACH templates. Deletion is not applied to templates pending authorization, authorized templates, or future-dated templates. Note: To cancel a future-dated template, click the Scheduled tab and click the Cancel button to cancel the template to prevent it from being processed.
- ACH Template Payees: Before a business user can add payees to a template, the business user must have one or more payees with ACH payment methods and must be assigned to a role with the Manage Template Entries permission. Note: ACH Template Payees cannot be deleted using a mobile device. Business users can add payees or edit ACH Template Payee amounts and statuses using a mobile device.
- Edit a Payee in an ACH Template: The edit payees feature allows business users to edit payee records in a template. Note: Changes to payees are not applied to templates pending authorization, authorized templates, or future-dated templates.
- Remove a Payee from an ACH Template: The remove payee service allows business users to remove payees from a template.
- When submitting an ACH Template, the Deliver By date represents the date the template transactions are expected to settle with the payee’s (credit templates) or the business’ (debit templates) account.
- The Scheduled ACH Payments feature displays today and future-dated ACH submissions. Business users may search for scheduled ACH templates, view details, and cancel future-dated templates. Note: Scheduled ACH payments cannot be edited or canceled using a mobile device. Business users can only view scheduled ACH payments on a mobile device.
- Business users cannot edit a scheduled ACH template; they must cancel the ACH template request and submit a new request.
Authorizing ACH Requests
- If an ACH transaction or ACH template change requires secondary authorization, the transaction/change must be authorized by another business user in the Business Admin widget.
- Any template submissions above the single limit will require secondary authorization. For the single limit to be used effectively, the master user and at least one authorized user must have access to the Business Admin widget.
- Business ACH submissions in a Needs Authorization status that have not been authorized prior to HVCU's ACH cutoff time (2:00 pm ET, Monday through Friday, for same-day processing) are automatically marked Expired and cannot be processed. A new ACH request must be submitted.
Business ACH Widget Navigation
There are three main tabs to use when navigating throughout the
Business ACH widget:
Templates, Scheduled, and
History.
- Templates Tab: The Templates tab displays Template Details and Template Payees to create, edit, and schedule an ACH template (submission) for HVCU to process.
- The Scheduled Tab: The Scheduled tab displays future-dated ACH submissions that have not yet been processed. In Internet Banking, select the Show Search button to search and view fields for scheduled ACH submissions, view scheduled ACH submission details, and cancel future-dated ACH submissions using specified search criteria. Note: Mobile Banking only provides business users the ability to view scheduled ACH submission details.
- History Tab: The History tab displays pending batches and submissions that have been processed or rejected by HVCU, rejected when in a needs authorization status, or canceled by a business user.
Wire Transfers (Business Wires Widget)
With the Business Wires Widget you can schedule Fedwire-formatted domestic or international wire transfers, instead of calling us or visiting a branch.
Templates for recurring wire transfers did not carry over to our new systems.
Setting Up Business Users to Make Wire Transfers
- Business users (authorized users) must be given access to the Business Wires Widget, and that access is granted when the following conditions are met:
- Business users (authorized users) must be granted permission within the Create Domestic Wires permissions within the Business Admin widget.
- Business users (authorized users) must also have access to the accounts that are used to send your organization's wire transfers. This can be set up through the Wire Funds Out From permissions within the Business Admin widget.
- If the above conditions are not set up, the business user will not be able to make wire transfers on behalf of your organization.
Setting Up Payees (Recipients) & Payment Methods
- Business users who are assigned the Manage Payees permission can add, edit, and delete payees.
- A payment method is a set of instructions related to a type of payment, whether ACH or wire transfer.
Wire Transfer Limits
- Wire transfer limits pertain to the overall amount your business is able to send via wire transfer as well as the amount any individual business user in your organization is allowed to send without secondary authorization.
- You set the limit your business users can send without secondary authorization, while HVCU sets the overall limit your business is able to send.
- If you have multiple business users who are able to send wire transfers, their cumulative authorization amounts are counted against your business' overall limit.
- HVCU's daily, weekly, and monthly limits are on a rolling schedule that is impacted by the delivery dates of any wire transfers you may have scheduled.
- HVCU's limits are as follows:
- Per Transaction: $250,000
- Daily: $250,000
- Weekly: $1,000,000
- Monthly: $1,000,000
Making a Wire Transfer
- Select your Payee
- Select the Payee Account
- Select a Funding Account
- Select a Category for the wire transfer (optional)
- Enter an Amount (you can click Show Limits to view your wire transfer limits)
- Enter a Deliver By Date (the date the wire transfer is expected to settle). When using the calendar feature to select your date, our Wire Transfers widget checks forthe earliest available Deliver By Date.
- Enter any optional info in the Originator to Beneficiary Info field (symbols and special characters are not permitted)
- Confirm your payment
- Please note: Wire transfer submissions in a Needs Authorization state are not submitted for processing by HVCU until they have been authorized by another business user with sufficient permissions.
Please note: You are unable to edit a scheduled wire transfer. You must cancel the wire transfer via the
Scheduled tab of the
Business Wires widget, and then submit a new request.
Wire Transfer Cutoff Times
Domestic wire transfer requests must be completed and received by 4:00 pm ET, Monday through Friday, for same-day processing. International wire transfer requests must be completed and received by 2:30 pm ET, Monday through Friday for same-day processing. Requests received after those times will be processed the next business day.
Authorizing Wire Transfer Requests
- Due to enhanced fraud controls in our systems, business users are not able to authorize their own wire transfer requests. Instances where wire transfer requests require additional authorization from another business user (either Master User or authorized user with authorization permissions) in your organization include:
- When the amount of a wire transfer exceeds the Authorized Limit of the business user submitting the wire transfer. Business users can view their limits via the Show Limits link.
- When the amount of a wire transfer exceeds the Single Limit of your business.
- In order for another business user to authorize wire transfer requests, they must have the appropriate permissions to authorize wire transfers and access to the funding account the wire transfer is being paid from.
- Wire transfers in a Needs Authorization status will not be submitted to HVCU for processing until they have been authorized.
- A business user can authorize or reject a wire transfer request in the Business Administration widget.
- Wire transfer requests that are not authorized prior to our cutoff times for the day are moved to an Expired status, and at that point a new wire transfer request must be submitted.
Wire Transfer Status
The following status' apply to wire transfer requests submitted through our online banking systems:
- Canceled - A scheduled wire transfer request was canceled by a business user and was not sent for processing.
- Expired - A scheduled wire transfer request that required authorization was not authorized prior to HVCU's wire cutoff time. Expired items can no longer be authorized, and must be rejected by the authorizing business user.
- Rejected - A scheduled wire transfer that required authorization and was rejected by an authorizing business user or HVCU.
- Succeeded - Wire transfer instructions were submitted to HVCU for processing.
- Account Debit Failed - The debit to your account failed.
- Scheduled - A wire is scheduled to be sent and awaiting review by HVCU.
Bill Pay
Bill Pay is available within Internet Banking and Mobile Banking. Please note the following information specific to our upgrade:
- Any payments on our old Bill Pay system needed to be scheduled prior to 2:00 pm ET on October 15.
- Any payments scheduled prior to October 15 should process without delay. This includes any recurring payments you had set up within our old Bill Pay system.
- During the upgrade process, it is possible that electronic payments switched to paper check delivery or vice versa. When scheduling payments, please pay attention to the Delivery Method noted. Funds for an electronic payment are debited from your checking account on the date you schedule the payment to be made. Funds for a payment sent by paper check are debited from your checking account when the check is cashed and clears your account.
- Memos and reminders previously added in our old Bill Pay system did not carry over to the upgraded system.
Bill Pay Overview
- Quick Bill Pay Feature - We've added a new feature that allows you to pay a bill directly from the Dashboard within Internet Banking when you log into your accounts.
- Paying Multiple Bills – Our system makes it easy to schedule payments to multiple payees at once.
- Payment Processing – Our system shows you the date your payment will be made and the “Delivery Method” for your payment -- whether electronic or paper check. Bill Pay indicates when your payment is expected to arrive at your payee. When scheduling payments, please pay attention to the “Delivery Method” noted. Funds for an electronic payment are debited from your checking account on the date you schedule the payment to be made. Funds for a payment sent by paper check are debited from your checking account when the check is cashed and clears your account.
- Changing A Payment - Presently, our systems offer more flexibility for changing payments through Internet Banking versus Mobile Banking. Within Internet Banking you can modify a payment amount or date. Within Mobile Banking you can only modify the payment amount. To change a payment date within Mobile Banking, you must delete the payment and reschedule it for another date.
- Payment History – Your history will eventually reach two years of historical detail in total.
- Adding New Payees - To enhance the security of Bill Pay and protect your account information, you are asked to verify your identity via a one-time passcode each time a new payee is added.
- Viewing/Sorting Payees - Our system displays your payees in alphabetical order by name. If you prefer to have certain payees display at the top of your payee list, you can edit your payee names to force them to sort alphabetically. For example. A. Credit Card, B. Utility, C. Cell Phone Provider, etc. Your first ten payees display by default.
- Daily Payment Limits - To insulate our membership from the impacts of fraud, our daily Bill Pay limits are a maximum of $10,000 per bill, not to exceed a daily limit of $30,000.
Please note: Value Business Checking members are charged a $5.95 monthly fee to use Bill Pay.
Mobile Banking, Mobile Deposit, & ProfitStars SmartPay High Speed Scanner Deposits
Most of the features and functionality that are available within Internet Banking are also available within our Mobile Banking app.
Our Mobile Banking supports the latest two iOS versions and as far back as Android version 7.
Our Internet Banking and Mobile Banking systems use the same login credentials. Whether you use Internet Banking, Mobile Banking, or both, you can login with the same username and password. You can also enable biometric authentication as part of your initial login to our Mobile Banking app, if available on your mobile device. Biometrics must be enabled on your device in addition to enabling them in our app. If you have biometrics enabled on your mobile device it can only be enabled for one membership type, so if you have personal and business accounts, you can choose which you would like to set up biometrics for.
Snapshot Feature
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 and select which accounts display through the
Settings menu. Choose from checking accounts, savings accounts, loans, or other accounts you may have. In addition to your account balances, you can tap an account to view the five most recent transactions, including pending transactions. You can log into Mobile Banking from the Snapshot screen to see more 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. Snapshot shows account balances but does not display the five most recent transactions when used on Apple Watch and Android Wear devices.
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.
- 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.
- To protect against fraud and safeguard your accounts, the amount you can deposit through Mobile Deposit will now have daily and monthly limits. Upon upgrade, you will be able to deposit $30,000 per day and $60,000 over a rolling 30-day monthly timeframe.
- 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.
- View our Mobile Banking & Mobile Deposit FAQs and our Mobile Deposit Services Agreement for more info.
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.
ProfitStars SmartPay High Speed Scanner Deposits
Our SmartPay service is separate from the
Deposit Check feature within Mobile Banking. SmartPay uses a scanner for depositing checks and is good for businesses that do batch processing of checks or deposit
approximately 50 or more checks per day. You do need a SmartPay license to use this service. If you are already a SmartPay user, please access the service via our SmartPay site.Quicken/Quickbooks
You can access Quicken/Quickbooks through Web Connect. Visit the Quicken website to learn more about Web Connect. Please note: you are not able to perform transactions or pay your bills within Quicken/Quickbooks. Additional support can be found via these links:
Electronic Documents (eStatements and eDocuments)
The Electronic Documents widget is the gateway to your eStatements and other eDocuments, if you are enrolled in electronic delivery. Access Electronic Documents within Internet Banking or Mobile Banking.
CUAlerts
CUAlerts monitors your savings and loan account activity through event-triggered email and text message notifications. Through the
CUAlerts widget, you can set up notifications pertaining to your account balances, payments clearing your accounts, loan payments, and more. Here is a full list of CUAlerts options available:
- ATM Card Transactions - Sent when a deposit or withdrawal is made to your account at an HVCU ATM.
- Account Balance – Sent when your account balance goes above or falls below an amount you specify.
- Direct Deposits – Sent when an ACH transaction or payroll deposit above an amount you specify is credited to your account.
- Checks Cleared – Sent when a check clears your checking account.
- Automatic Withdrawals – Sent when an ACH transaction above an amount you specify is debited to any of your accounts.
- Privilege Pay – Sent when an item is paid using Privilege Pay.
- Tiered Money Market Withdrawal or Transfer Notification – Sent when a transaction from your tiered money market account counts towards the monthly withdrawal/transfer limit. A fee is assessed for each withdrawal or transfer in excess of six.
- Certificate Maturing – Sent when your certificate account is maturing.
- Loan Account Balance – Sent when your loan balance goes above or falls below an amount you specify.
- Loan Payment Due – Sent when your loan payment is due.
- Mortgage Payments – Sent when your mortgage balance is below an amount you specify, when your next payment is due, when your payment has been received, or if your payment is past due.
Access
CUAlerts from within Internet Banking or Mobile Banking.
Check Services (Stop Payments & Check Reorders)
The
Check Services widget is home to both check stop payment requests and check reorders. These services are available within Internet Banking but are not available in our Mobile Banking app.
Card Management & Rewards
When you access
Card Mgmt & Rewards, select the HVCU debit or credit card you want 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.
In addition to the above, the
Card Mgmt & Rewards widget allows you to block and unblock transactions on your Visa Debit Card at will -- offering 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. 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. Please note: Enhancements are coming by the end of 2021 that will also allow you to block/unblock transactions on your HVCU Visa Credit Cards.
Access
Card Mgmt & Rewards within Internet Banking or Mobile Banking.
My Travel Plans
Let us know your travel plans through the
My Travel Plans widget 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
My Travel Plans within Internet Banking or Mobile Banking.
Electronic Federal Tax Payment System® (EFTPS)
Access to the Electronic Federal Tax Payment System will no longer be available within Internet Banking & Mobile Banking after our upgrade. To use EFTPS to file your tax payments, please visit
https://www.eftps.com/eftps/Online Banking Disclosures