Thank you for being an online banking user! We've compiled some information that may help you find your away around all of the tools and features available within our systems. Click any of the topics below to learn more about the features and functionality that you use or interest you the most.
Special Note Regarding Internet Explorer
Our Internet Banking system does not support Internet Explorer. Microsoft’s default browser is now 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.
Accounts & Loans
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 through the
Accounts option under
Accounts & Loans. 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. See image below.
- Budgeting: Easily categorize your transactions to analyze your spending habits. See the information below for more information about our budgeting tools.
- History: Twelve months of history is available within Internet/Mobile Banking.
- Vehicle Leases: If you have a vehicle lease, you can view additional account 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.
- 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.
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
Transfers from the
Transfers & Payments menu 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
- You can schedule transfers and set up recurring transfers to other credit union members.
- 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 (share) or loan 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 Transfers, click the Add an External Account link (first image below).
- From the Accounts tab within Settings, 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 within
Transfers:
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.
Bill Pay
Bill Pay is available within Internet Banking and Mobile Banking from the Transfers & Payments menu.
- Quick Bill Pay Feature - Pay a bill directly from the Dashboard within Internet Banking when you log into your accounts. If you are a Bill Pay user, look for the Quick Bill Pay feature on the right side of the Dashboard. Click the drop down menu to make a single payment to any payees you already have set up within Bill Pay. Click the Bill Pay option from the Transfers & Payments menu at any time to use all the features and functionality within our Bill Pay system.
- 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.
- 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.
Mobile Banking & Mobile Deposit
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 8.
Download Our Mobile Banking App from Apple App Store
Download Our Mobile Banking App from Google Play
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.
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 through the
Settings menu. 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.
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.
- You 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.
- 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.
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 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.
- 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 Settings by reentering your credentials.
- If there is an error bringing an account over, the balance of that account will appear in red.
Electronic Documents (eStatements and eDocuments)
Electronic Documents 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 from the Electronic Documents menu.
Savings Goals & Budgeting Tools
We offer tools that help you gain better insights into your financial health and how you are managing your money. The My Savings Goals feature must be set up and maintained within Internet Banking, but can be viewed within Mobile Banking. The My Budgets feature can be set up and maintained within Internet Banking or Mobile Banking.
The Savings Goals feature provides a means to hold yourself accountable to any savings milestones you'd like to achieve -- whether saving for a specific purchase, building an emergency savings cushion, or stashing away cash for anything else you want to save for. Attach an amount and target date to a savings account where you are the primary owner, and we'll help you stay on track so you reach your goal. In addition to regular transfers, you can transfer funds right within your goals through the Add Money button. You can also reallocate funds from other goals tied to the same account. Keep in mind that My Savings Goals transfers from tiered money market accounts count towards your Regulation D limit, just as like other Internet Banking transfers.
The My Budgets feature offers budgeting tools that categorize your income and spending behavior so that you get a better picture of how your are managing your finances. When setting up a budget, you assign accounts (including any external accounts you have), income, and expenses related to your budget goals. From there, categorize applicable account transactions as they relate to your budget. As you categorize more transactions over time, you'll see if you are staying within your budget or going over it.
CUAlerts
CUAlerts monitors your savings and loan account activity through event-triggered email and text message notifications. Through the
CUAlerts feature, 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.
- 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.
- Privilege Pay – Sent when an item is paid using Privilege Pay.
- 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 the
Card Mgmt & Acct Monitoring menu within Internet Banking or Mobile Banking.
Check Services (Stop Payments & Check Reorders)
The Check Services feature 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. Access Check Services from the Accounts & Loans menu.
Card Management & Rewards
When you access Card Management & Rewards from the Card Mgmt & Acct Monitoring menu, 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 Management & Rewards feature 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.
Access Card Management & Rewards within Internet Banking or Mobile Banking.
My Travel Dates
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 My Travel Dates from the Card Mgmt & Acct Monitoring menu within Internet Banking or Mobile Banking.
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:
New Account/Loan Applications
The New Acct / Loan App link under the Accounts & Loans menu 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.
HV$end Payment Service
The HV$end feature lets you securely send money to family, friends, and other individuals in the United States — just as you might do through other online payment services, such as Venmo or PayPal. HV$end is a free service and is perfect for sending money for shared expenses like rent or family plan phone bills, reimbursing friends for dinner, paying for services like lawn care or babysitting, and more. You can choose to send payments from your HVCU savings or checking account, and a recipient can choose where they want their money to go, whether to an HVCU account, account at another financial institution, or a debit card. HV$end has a transaction limit of $1,000 and a daily limit of $1,000.
Access HV$end from the Transfers & Payments menu within Internet Banking or Mobile Banking.
My FICO® Score
If you have a checking account or an open loan with us, you can view your FICO® Score for free within Internet Banking and Mobile Banking. In addition to the score itself, you are also given the key factors that impact your score. Open loans include credit cards and home equities, but exclude mortgages. FICO® Scores are updated quarterly. FICO® Score history is a planned future improvement for our systems.
Access My FICO® Score from the Card Mgmt & Acct Monitoring menu within Internet Banking or Mobile Banking.
My Beneficiaries
My Beneficiaries provides a summary of any beneficiaries you've designated on your accounts. Access My Beneficiaries from the Accounts & Loans menu within Internet Banking or Mobile Banking. Please call us at 845.463.3011 or stop into any of our branches if you need to change any of your beneficiaries.
HVPay
Make one-time or recurring monthly electronic payments to your HVCU loan from accounts at other financial institutions through HVPay. Payments can be made to all consumer loans and leases, up to $5,000 per payment. Access HVPay from the Transfers & Payments menu within Internet Banking or Mobile Banking.
Settings/Customization
Enhanced user settings give you options to customize your online banking experience, including:
- 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 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.
Info for Business Members
For our business members who use our personal Internet Banking system, we want to take a few moments to highlight the following features:
- Electronic Transfers – Pay vendors and employees or process collections with one service. Create templates for repetitive payments or collections.
- Member to Member Transfers – Transfer funds between your personal and business accounts with the member to member transfer option.
- Wire Transfers – Initiate a wire transfer online instead of calling us or visiting a branch. To confirm your wire transfer, you'll need to enter a one-time passcode at the time of initiation. Access to wire transfers is available within Internet Banking.
- User Management – Provide online access to others in your business and assign the specific transactions they are able to perform.
- Account Aggregation - View business accounts that you have at other financial institutions, right along with your HVCU business accounts. See the Account Aggregation section above for more info.
- Financial Management Tools – Use our enhanced tools to categorize your business expenses, create spending graphs, and establish savings goals based on your sales volume. See the Savings Goals and My Budgets section above for more information.
- Address Changes – If your business address changes, you can update it right within Internet Banking, saving a visit to a branch or call to our Contact Center.
Important Information for Quicken/Quickbooks Users
If you use Quicken/Quickbooks, please note that you need to access Quicken/Quickbooks through Web Connect. You are not able to perform transactions or pay your bills within Quicken/Quickbooks. Please review the
Quicken/Quickbooks section above and visit the
Quicken website to learn more about Web Connect.