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Internet Banking FAQs

Enrolling & Getting Started

What browsers are supported for Internet Banking?

HVFCU currently supports the following browsers for Internet Banking usage:

  • Internet Explorer – IE 11
  • Microsoft Edge – the most current version only
  • Firefox
  • Safari – versions 9, option to block cookies should be set to “Never”
  • Google Chrome

Can I access all of my primary accounts if they are under different member account numbers?

If you have primary accounts under different member account numbers, then access needs to be enabled for those accounts in order for you to view them through Internet Banking. Once access is arranged, you can view accounts under different member account numbers through one login.

If you would like to make a change to the way your accounts are set up, please contact us for assistance at 845.463.3011.

Username Resets, Password Resets, & Other Access Questions

What does it mean to register a computer?

When you register your computer and browser, you skip the one-time verification code process outlined above during subsequent log ins to our Internet Banking system. Public computers, computers that are used by many individuals, or computers that are not your own should not be registered. Additionally, it is recommended that multiple Internet Banking users within the same household should not register their computer.

Please note: You will need to repeat this one-time verification code process any time you access Internet Banking from a computer that has not been registered or anytime you clear your browser history along with your cookies and cache. You must also go through the one-time verification code process again any time you use a new or different browser from that which is registered.

When I try to sign-on to Internet Banking I get an error message. Why?

Please check that when prompted you have entered your username and password correctly in the corresponding fields. If you believe that you are entering all required information correctly, it could be that your Internet Banking account is locked. To protect your security, your account access can become locked if you have had five consecutive, unsuccessful login attempts in one session.

If you are locked out, you can reset your username and password online.

What is the session timeout period?

To protect your accounts, you will be automatically logged out from Internet Banking after twenty minutes of inactivity. Please note that the use of additional services you access via Internet Banking (i.e. GoToMyCard, eStatements, etc) does not reset the inactivity timer.

Account Questions

How are joint accounts set up in Internet Banking?

You can view and access all your joint accounts through Internet Banking, with the exception of credit card accounts. If you do not see all the accounts you think you should, it may be that you are not joint on those accounts. It is not possible to block the access of joint account holders so that they cannot view accounts through Internet Banking. However, there are some limitations to the transactions you can perform on joint accounts in Internet Banking.

How does Regulation D affect my Internet Banking transactions?

Transactions performed on savings and tiered money market accounts are subject to Regulation D and are monitored in compliance with the “Reserve Requirements for Depository Institutions,” as required by the Federal Reserve Banking System.

Up to six withdrawals or transfers among savings and tiered money market accounts are permitted each month in any of the following combinations, when payable to a third party or to another account owned by you:

  • Checks or similar orders
  • Pre-authorized or automatic transfers
  • Automated Clearing House (ACH)
  • Internet Banking, Mobile Banking, and Text Banking
  • Audio response (MAGIC)
  • Overdraft from savings
  • Telephone, email, facsimile (fax)

If you are not able to make a transfer to a savings or tiered money market account through Internet Banking, you have likely already reached the maximum number of transactions allowed for the month. Your transaction is not processed, and you will need to transfer the funds through another means (ATM, branch, etc.) other than through Internet Banking.

You can view a Regulation D counter by clicking the “Show account details” link when viewing your account transactions. Additionally, to help you monitor your Regulation D transactions, you can set up a Reg D notification within CUAlerts.

For more information, refer to the complete description of this regulation in our Truth in Savings Disclosure & Account Agreement.

Are there any accounts that are not accessible through Internet Banking?

Any accounts you have with HVFCU Financial Services are not available through Internet Banking.

You can access your HVFCU Financial Services accounts, 24 hours a day, through LPL Account View. From this site you can view the past 90 days of your account transaction history, obtain quotes, export your account activity to Microsoft Excel, get stock quotes and stock news, and much more. There is no charge to access your account through LPL Account View.

What accounts can I transfer from within Internet Banking, and is there a limit on the amount of funds I can transfer?

You may transfer a maximum of $100,000 per transaction from the following accounts:

You earn one point for every $3.00 you spend, with point values rounded according to normal rounding practices. For example, if you make a purchase for $25.60, you earn 9 points ($25.60/3 = $8.53, or 9 points when rounded accordingly.)

  • Savings accounts
  • Tiered money market accounts
  • Checking accounts
  • PaySmart accounts
  • Pledge of savings lines of credit
  • Pledge of stock lines of credit
  • Readi-cash lines of credit
  • Interest only home equity lines of credit.

When using the Funds Transfer and Popmoney services, there is a limit of $5,000 per transfer and / or per day, and a monthly limit of $10,000 in total transfers.

What accounts am I unable to transfer to through Internet Banking?

You may not make transfers to the following accounts:

  • Non-interest bearing savings accounts
  • Certificate accounts
  • IRAs
  • Pledge of certificate loans (excluding principal and interest loans)
  • HELP lines of credit (excluding principal and interest loans)

What accounts can I open online through Internet Banking?

Existing members can open the following accounts online through Internet Banking:

  • Savings accounts
  • Checking accounts
  • Tiered money market accounts
  • Certificate accounts
    • Includes Save Smart and Flex Certificate Account, but no IRAs
    • Terms of 3, 6, 12, 24, 36, 48, or 60 months
    • $500 minimum

New accounts can be funded via transfer from an existing HVFCU account or from an account at another financial institution.

How do I make a payment to my credit card?

To make a credit card payment, select the appropriate credit card account labeled, “xxxxxxCRCD####”, where “xxxxxx” is your member number and “####” is the last four digits of your credit card number. Payments are applied the same day they are made when transferred by 3 pm ET, Monday through Friday or by 1:30 pm ET on Saturday and post to the account balance within 24-48 business hours.

Can I update my contact information with the credit union through Internet Banking?

You can update your contact information through Internet Banking by selecting the “My Settings” link at the top of the page.

Username & Password Resets

Internet Banking and Mobile Banking use the same username and password, so if you forget either, you can reset them online.

Username and password restrictions

Additional Troubleshooting, FAQs, and Usage Tips