Q:  What will I be able to do through Online Banking?

A:  With Online Banking you can:

• View your account balances.
• View your account history.
• View your E Statement.
• View images of canceled checks.
• View your pending transactions (electronic transactions).
• Transfer funds between accounts in real-time.
• Make payments by transferring funds to Heritage Federal Credit Union loan accounts, including Heritage Federal Credit Union Visa credit cards.
• Order Checks.

Q:  What are the business hours for Online Banking?

A:  Online Banking is accessible 24 hours a day.

Q:  Are there multiple ways to access Online Banking?

A:  No.  You will only be able to sign on from www.hfcu.info.

Q:  Will I be limited in my attempts to type in my passcode?

A:  Yes.  After 5 passcode attempts, you will be locked out.  You are able to receive a temporary passcode via e-mail if you have selected that option.  Please select that option to have the temporary passcode e-mailed to you.  If you are still have difficulty logging in, please call 812-253-MYCU (6928) during business hours so that we may reset your passcode.

Q: What do I do if I forget my passcode?

A:  You are able to receive a temporary passcode via e-mail if you have selected that option.  Please select that option to have the temporary passcode e-mailed to you.  If you are still having difficulty logging in, please call 812-253-MYCU (6928) during business hours so that we may reset your passcode.

Q:  Will all of my history be available when I log on to the new system?

A:  No.  You will not see any prior history while in your On Line Banking account until we start accumulating history from November 3 forward.  You will, however, be able to access 6 months of history by accessing your E Statements.

Q:  How do I make a payment online to an HFCU loan?

A:  Logon to Online Banking click on “Transfers” on the menu on the left-hand side of the page.  Click on “My Account” to transfer between your accounts.  Choose whether you want to make an immediate transfer or a future transfer.  Select the account you want to make your payment from and then the account (loan) you want to make the payment to, fill in the amount of the payment, choose a transfer date (if you chose future transfer at the top) and “Submit” then “Confirm transfer”.  

Q:  When will the Mortgage Loan option be available on the new system?

A:  The Mortgage Loan option will be available on Online Banking on Wednesday, November 4.

Q:  Will I be able to access E Statements while in my Online Banking account?

A:  Yes. You can access your E Statements by selecting E Statements from the list on the left hand side of the page or in Account Info then Balances.

Q:  Will I still be able to download my account activity to Quicken or Excel?

A:  Yes.  Choose Account Info then Account History.  At the bottom of the page, you will have the option to download to either Quicken or an Excel spreadsheet.

Q:  Are there limits on the number of transfers I can make with Online Banking?

A:   There are no limits on transfers from Heritage Federal Credit Union checking accounts or lines of credit. However, Federal Regulations limit the number of electronic transfers from savings accounts to a maximum of six per month. The maximum of six includes electronic transfers made via other methods, such as through Telephone Banking. 

Q:  Will I be able to access Heritage Federal Credit Union member accounts other than my primary account?

A:  Yes.  Our Multi-Account Feature is an easy way to manage your other Heritage Federal Credit Union accounts with a few simple clicks. 

On the upper right-hand corner of your Online Banking account, you will notice a “Setup” button.  Simply click on that button and enter the Access ID and Passcode for the account you wish to access.  (You must know the Access ID and Passcode for the accounts you are wanting to link for this to work properly.)  You can toggle between your accounts the appropriate account from the drop-down menu.  Please note, for security purposes, the account number is masked.  You will only see the last two numbers of the account number in this menu.

Q:  Can the joint owner on my account use Online Banking?

A:   Yes, joint owners can access the account in the same manner that you do. Please note that there is only one passcode and Access ID allowed per Heritage Federal Credit Union account, so if you wish your joint account holders to have Online Banking access, you must give them the passcode and Access ID for your Online Banking account.

Q:  If I make a transfer between my Heritage Federal Credit Union accounts, how soon are my funds transferred?

A:  Online Banking operates in real-time, so transactions are reflected on your accounts immediately.

Q:  How secure is Online Banking?

A:  Very secure. Heritage Federal Credit Union uses state of the art network security to ensure the protection of your account information.

Q:  Can I use Online Banking from any location?

A:  Yes, as long as you have access to the World Wide Web, you may use Online Banking from any location in the World, 24 hours a day.

Q:  Do I need any special software in order to use Online Banking?

A:  No. You just need the software that you would normally use to access the World Wide Web, including a Web browser. There are no special Online Banking disks or software required or available.

Q:  What will I be able to do if I select Account Actions?

A:  Account Actions will allow you to do the following:

• Change address
• Customize account names
• Inquire about a transaction
• Order checks
• Place a stop payment
• Request a copy of a check
• Request a withdrawal by check

Q:  How do I reorder checks through my Online Banking?

A:  Logon to Online Banking and click “Options” then “Order Checks.”  A new page will open up.  Click on the “Reorder” tab at the top of the page.  Follow the prompts (they will vary depending on when you ordered checks last).

Q:  How do I change my address through Online Banking?

A: “Change Address” and make any changes in your street address, city, state or zip code.  Be sure that the question “Is this your mailing address?’ is answered correctly and then click on the “Submit” button at the bottom of the page.

You will be prompted to confirm your information and can either click on “Submit” to approve it or “Edit” to make further changes.  Once you are satisfied that your information is correct, click on “Submit” and your changes will become effective within one business day.

Q:  How do I request a copy of a check through Online Banking?

A:  Logon to Online Banking and click “Options” then “Request a copy of a check.”  Next choose the account name from the drop down list, enter the check number, check amount and the date the check cleared, then click “Submit.”  Your request will be processed within 24 business hours and sent to your mailing address.  To print your own copy of a check, just select “View your E Statement” on the Account Balances page and then you can view and print copies of checks as far back as six months free of charge.

Q. How can I view a demo of the new Online Banking product?

A. You can view a demo of our new Online Banking product by clicking here.

Q. When will the new Online Banking product be available to members?

A. The new Online Banking product will be available to members starting Tuesday, November 3, 2009.

Q: Who can members contact in the event of a natural disaster or intentional disaster about the status of my credit union?