Online Banking provides all the features of a typical branch, but with unlimited hours. No need to leave your house to pay bills, transfer money or order checks. To take your online banking access to the next level, try our Mobile Banking application. You get all the features of online banking, with the convenience of taking it with you anywhere, plus additional features like depositing your check with a photo (restrictions apply).
24-hour online banking will let you do your banking securely at home. If you are not already enrolled, you can do so online or by contacting our Information Center.
Set up your bill payment through online banking or with your mobile device.
Available via Internet or smartphone and tablet app, you will be able to transfer money between accounts easily. Pay bills on the go, deposit a check with a photo to your HFCU account.
Access our Mobile Banking via a mobile browser without using an App (link will only operate from a mobile device).
Loans on the GO! – Apply on your phone!
With Loans on the GO!, members can now apply for an auto, mortgage, Visa, or personal loan on their phone or mobile device with the HFCU mobile app.
Our app, of course, still has the following features our members have grown to love:
To stay up-to-date with app updates subscribe to our monthly newsletter.
An electronic signature, or eSignature, that HFCU members can use for electronically signing a loan document. eSign allows us the ability to send loan documents securely to a member via email to obtain signatures required for opening a new loan. It allows us to ID the member before they access the loan documents, and provides a finished copy of the loan documents to the member and the credit union as well. Learn more here.
Online Banking is accessible 24 hours a day.
Yes. You can access Online Banking on your desktop, internet enabled cell phone by accessing the HFCU website or by using our Mobile Banking App on your smartphone or WiFi enabled device.
Yes. After 3 login attempts, you will be locked out. You are able to receive a temporary passcode via e-mail.
You are able to receive a temporary passcode via e-mail. If you are still having difficulty logging in, please call 812-253-MYCU (6928) during business hours so that we may reset your passcode.
Login to Online Banking click on “Transfers” on the menu. 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”.
Yes. You can access your E Statements by selecting E Statements from the menu tab.
Yes. You will still be able to download your transaction to Quicken or an Excel spreadsheet. If you already had your account link to Quicken, be sure to review the steps needed to convert your new Online Banking information over to your Quicken account.
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. There may be limits on the dollar amount or quantity of monthly transfers performed to other financial institutions.
Yes. We will automatically show other accounts, shares and loans where there is a common Social Security Number between Primary on your account and Joint or Primary on other accounts. You can also submit a request form from the Services tab for those that you do not see automatically.
Yes, joint owners can access the account in the same manner that you do. Please note that there is only one passcode and Online 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 Online ID for your Online Banking account.
Online Banking operates in real-time, so transactions are reflected on your accounts immediately. Transfers to outside institutions may take as much as three business days or more, based on ACH timeframes.
Very secure. Heritage Federal Credit Union uses state of the art network security to ensure the protection of your account information.
Yes, as long as you have access to the internet, you may use Online Banking from any location in the World, 24 hours a day.
No. You just need the software that you would normally use to access the internet, including a Web browser. There are no special Online Banking disks or software required or available.
Logon to Online Banking and click on Order Checks in the menu bar. Select the account you want and follow the prompts.
From the Services tab in online banking, you will be able to update your contact information, including address, phone and email contacts. You will enter the information you wish to update, then select the contact records from the account which you wish to update.
Members can contact the Credit Union National Emergency Information System at 1-877-285-6228 to receive information about the status of a credit union affected by a crisis.
Bill Pay is FREE.
It’s easy—there are no forms to complete and no paperwork. Once you are logged into Online Banking, click on the Bill Pay link. The first time you click on that link, an enrollment screen will be displayed. Just agree to the terms and conditions and you can begin adding payees and making payments immediately.
Yes. Members must have a checking account to use Bill Pay.
We recommend doing this by using the transfer features in online banking. However, if you wish to set up a payment to a loan, you will submit the account number as a 14 digit number, in the following format: XYYYZZZZZZZZZZ; where X indicates a loan (in this case “2” for loan); YYY indicates the Loan Suffix; and ZZZZZZZZZZ is your Member Number (prefilled with zero’s to make 10 digits). This will ensure that the payment posts electronically.
You can call our Information Center at 812-253-MYCU (6928) and we will research the payment for you.
The Method column on the Payment History screen shows whether a payment is made by check or electronically. Please note that payees that are not in our database are paid by check the first time a payment is scheduled, even if they can accept electronic payments, but are paid electronically thereafter. In addition, there are some payees who may never be paid electronically, even if the payee accepts electronic payments. Heritage Federal Credit Union and its payment processor reserve the right to determine the most appropriate way to make the payment.
A payee is the issuer of a bill that is due to be paid by you.
Clicking “add payee” at the top of the payments page will walk you through a one time, step-by-step setup process to gather key information used to send your payments.
A Payee can also be added through our mobile banking app under the bill pay menu.
Clicking the icon to the left of the payee name will hide the payee from the current view in the payments page. Any scheduled transactions and notifications for this payee will not be affected by hiding the payee.
Use the “Hidden” link located within the “Display” section of the payments page to access your hidden payees. Clicking the icon to the left of the payee name will remove the payee from the “Hidden” view and return it to the applicable display within the payments page. Any scheduled transactions and notifications for this payee will not be affected by showing the payee.
Categories allow you to group your payees for customized listings, whether you’re scheduling payments, viewing pending transactions or researching your transaction history. You can manage your categories under My Account and assign a payee to a category when adding or editing them.
No. Comments are for your personal use only and will not be sent with your payment.
When adding payee, choose the “pay an individual” option. Whether you have their deposit account information or not, there are options readily available to send your payment.
No. Holidays and weekends are designated as ineligible for payment processing and will affect the dates available to select when scheduling your payments.
Memos are available for use when there is additional information about the payment you need to disclose. (example: adding “apply extra payment to principal” on a mortgage payment)
To set up a recurring payment, click the “make it recurring” link located in the “Action” column of your payee on the payment page. Enter the amount; select the pay from account and the frequency you want your payments to be automatically scheduled.
Yes. You can view all your scheduled payments by clicking the “view more” link located in the “Pending” section of your payment page or the “view pending transactions” link available below the schedule payment section of your payment page.
Yes. You may edit or stop a payment prior to 12:00 PM EST on the date the payment is scheduled to process.
Your transaction history helps you keep track of your payments with customized reports and providing a detailed timeline of each transaction that you have scheduled within bill pay.
Your transaction history will allow you to report transactions up to 18 months from the current date.
A payee limit is set to ensure your payments are processed as efficiently as possible.
eBills present due dates and amounts from your billing statement to alert you when it’s time to schedule payments.
Your payee must have a website available to view your bill online to be eligible for eBills. If your payee is eligible for eBills in bill pay you will need to provide the credentials to access the bill information for that payee.
Autopay will schedule a payment for you when your new eBill arrives based on your preferences.
A rush payment can be used to send a payment to be delivered the next day or two days from the scheduled date. Fees will apply.
If you have a bill that’s too close for comfort to the due date, you can use the “Rush Delivery” link to select a guaranteed delivery option.
Yes. If you choose an option that includes UPS tracking, you can monitor the delivery of the payment in transaction history when you view the details.
Transfers are electronic transactions that move money from one deposit account to another.
Yes. Click ‘Add Account’ under Transfers to begin the account setup process. Once the setup process is complete, you can schedule transactions to move funds from your financial institution to an account at another financial institution.
A Pay From account can be edited by accessing “My Account”, clicking the “View Account” link and clicking “edit” next to the pay from account.
The Message Center is a location within bill pay where communication regarding your account or payments can be shared securely.
Messages are retained for 180 days from the date the message was received or sent and will be systematically deleted after that time elapses.
The following browsers are supported by bill pay for use:
Click “My Account” and use the “view alerts” link under the “Bill pay alerts” section of the page to set the notifications preferences within your bill pay account. To add a reminder from the payment page, click the payee name and use the “add reminder” link to have notifications sent to your phone or email when a payment is due.
If there are actions required, the “attention required” indicator will appear to notify you and provide links to help you resolve the items.
The Payment Calendar is a monthly snapshot of transactions that are pending or processed. You can access pending payment or payment history by clicking the transaction totals displayed on any given day.
Under “My Account”, click the “View/Edit personal information” link to review or edit your information.
Contact options are available by phone or using our bill pay live chat feature
You can add your phone within online banking to receive alerts. This is available in the options under Settings. You can also add alerts from Bill Pay and My Finance.
You can add an alert from the Settings tab in Online Banking. There are also Alert options within Bill Pay and My Finance.
Alerts is a FREE service for Online Banking users.
No, Alerts is only offered for our Online Banking users.
Alerts sends information to your external e-mail account or wireless device and will alert you to transactions that you deem as “out of the ordinary.” Studies show that this type of monitoring of your financial accounts can help minimize ID fraud and ID theft.
Each alert will provide some information that is specific to the issue. The amount and type of information provided is dependent upon the type of alert. For further details, please logon to Online Banking.
Each alert will be sent based on the preferences the member selects. The transaction notification is sent for an amount over a certain dollar limit. The amount is determined by the member setting the amount limit. Members can receive notifications on as many transactions as they like.
Yes. Joint owners must contact the credit union at (812) 253-MYCU (6928) or (800) 858-1693 US Toll-free to request that additional statements be directed into their E Statement account. For security reasons, validation must occur at the credit union prior to any joint owner being given access to accounts on which they are a joint owner.
The most common example is when a member is a parent that has children with Kirby accounts and the parent would like their children’s account to be available on their E Statement site. This can easily be accomplished by calling the credit union for assistance.
Yes. Although E Statement users can always increase the size of the document in order to see the statement better online, the new larger font statement will make the statement easier to read when printed for those members requiring larger print. Please remember, if you print out a larger font statement, you may increase your paper usage since additional pages will be printed.
To access and retain your electronic statement you will need a valid e-mail address and a personal computer running any version of Microsoft Windows, or an Apple Macintosh, with Microsoft Internet Explorer version 6.0 or higher or Mozilla Firefox version 2.0 or higher with 128 bit secure socket layer encryption. You will also need Adobe Acrobat Reader software version 5.0 or higher to be able to view your statement electronically. You may upgrade or download any of this software by clicking on the relevant icons that we provide on the E Statement consent form. You may retain a copy of your statement by printing or downloading a copy to your personal computer.
Yes, for security purposes your member number will be masked with asterisks (Ex. *******) when you enter into the E Statement site.
You can elect to have an e-mail sent to you within the first few business days of the month stating that your E Statement is ready. After you login, go to the eStatements section and then will have the option within to change this setting.
After you login and go to eStatements, go to Settings and you will find the Member Setup screen where you can check the “yes” button and type in your new e-mail address. Also, please contact the Information Center at 812-853-MYCU (6928) or toll free at 800-858-1693 to change your e-mail contact information, which the credit union has on file for you. If you use Online Banking and / or receive the monthly electronic newsletter Money Matters, please make sure you change your e-mail address for both of those services. You can change your e-mail address for Online Banking on the Online Banking site and you can re-enroll on the home page for the monthly electronic newsletter Money Matters by clicking on the Newsletter signup icon.
No, your statement(s) will be available electronically as soon as you re-enroll and re-consent to the E Statement site. Heritage Federal Credit Union is not resetting any accounts to receive paper statements. All statements that are currently available electronically will still be available via the E Statement site after you re-enroll and re-consent.
The member can continue with their current E Statement session. After they are finished with that session and if they elected to revert back to a paper statement, the member will receive a paper statement going forward. If the member ever wants to receive E Statements in the future they will need to re-consent to E Statements as a new enrollee.
Yes. There is a reconciliation page (p. 2) included in each of your statements listed on your E Statement site. Just select one of your statement links on your list (it doesn’t matter which one) and select “print > pages > 2”. You can print multiple copies of the reconciliation page by putting the number of copies you want to print in the box beside “Number of copies:” .
Yes. You can access and print the reconciliation page through http://www.hfcu.info/checking/checking.html
© 2017 Heritage Federal Credit Union. All Rights Reserved.