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Mobile Banking & Mobile Deposit FAQs

Is there a fee to use Mobile Banking?

There is no fee to use Mobile Banking. However, there may be data charges associated with your phone or mobile device usage. Check with your mobile phone carrier for more information.

Do I need a data plan to use Mobile Banking?

A data plan is typically needed to use Mobile Banking. Please check with your mobile phone carrier about the specifics of your data plan and any associated fees.

What type of data is stored in Mobile Banking?

No confidential information is stored on your phone or mobile device. In the event that your phone or mobile device is stolen and someone gets access to it, no sensitive information would be available.

How secure is Mobile Banking?

Mobile Banking is just as secure as our Internet Banking service. Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. All data that passes between your mobile device and the wireless gateway is encrypted using the Secure Socket Layer (SSL).

Whenever you close the Mobile Banking application, you will be signed out of the service. No personal data is ever stored on your phone or mobile device, so even if someone has access to your phone or mobile device, no sensitive information would be available.

When enrolling, why do I receive the message “Hudson Valley FCU Access Code, Info at 845-463-3011. Reply STOP to cancel.” when I text back the passcode I received to register my device:?

Please ensure you are only texting back the 6-digit passcode when trying to register your device. The above message is common when the following conditions occur:

  • Texting back “Confirm” or the 5-digit number from where the text message (44833) came from, instead of the 6-digit code in the message body.
  • Including additional text in the return or having a signature on your texts. Only the 6-digit code should be sent.
  • Having SMS short codes blocked at the mobile carrier level.
  • Texting back an expired text message that is older than 10 minutes.

What happens if I forget my username and / or password?

You can recover your username and password from the “Recover Credentials” option under the “More” menu of our app. Internet Banking and Mobile Banking use the same username and password, so if you forget either, you can reset them online.

How does Regulation D affect my Mobile 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/li>
  • 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 Mobile 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 Mobile Banking.

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

Additionally, to help you monitor your Regulation D transactions, you can set up a Reg D notification within CUAlerts.

How do I add a Bill Pay payee within Mobile Banking?

Bill Pay payees must first be set up within Internet Banking to be able to pay them through our Mobile Banking app.

What is the timeout period for Mobile Banking?

Mobile Banking times out after ten minutes of inactivity. Account data is flushed as soon as it’s no longer needed, and all account data is flushed upon exiting Mobile Banking.

Who is eligible for Mobile Deposit?

Members who are in good standing and are enrolled in Internet Banking.

Is there a fee to use Mobile Deposit?

There is no charge for Mobile Deposit. However, your mobile carrier may charge for internet access and/or text messages. Please check with your carrier for any charges that may occur based on the usage of our Mobile Deposit service.

Is there a limit to the amount of deposits or number of deposits I can make through Mobile Deposit?

You are allowed $10,000 per day in deposits and up to $30,000 in deposits over a rolling 30 day period.

Is there a hold placed on the funds I deposit through Mobile Deposit?

The first $200 of your deposit is 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, $200 is available on Monday, with the remaining $500 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 then $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.

When can I expect deposited funds to be credited to my account?

Funds will be credited to your account within two business days of receipt if there are not any issues detected with the deposit.

How long should I retain checks that I deposit with Mobile Deposit?

It is important to retain your checks for 62 days. After the 62 days, you should securely destroy them.

Can I view checks I have previously deposited through Mobile Deposit?

To view your check deposit history, simply log on to Mobile Banking, select “Check Deposit” and then “History”.

How do I know if a check deposit is rejected?

You will receive an email notification any time a check cannot be deposited using Mobile Deposit. A deposit may be rejected for the following reasons:

  • The check is a duplicate.
  • Daily or rolling monthly deposit amount limits have been reached.
  • Two images of the same side of the check are submitted instead of one image of the front and one image of the back.
  • The check image is out of focus.
  • The view angle of check is too excessive.
  • MICR line data cannot be recognized by the system.
  • The amount of the deposit you enter does not match the amount written on your check.
  • The endorsement signature on the back is missing.

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.

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