Internet Banking FAQs

Click a question to display its answer. Additional help about specific Internet Banking functions can be viewed once you sign-on to Internet Banking.

Enrolling & Getting Started

How do I enroll in Internet Banking?

To get started with Internet Banking, call us at 845.463.3011 / 800.468.3011, or stop by any of our branches and let us know you’d like Internet Banking access. You may also choose to review our Electronic Records Disclosure and Agreement

Initial Sign On to Internet Banking

  1. For your initial sign on, you will use your member account number and password to access Internet Banking. Enter your member number in the username field and your password in the password field.
  2. Agree to the Terms and Conditions when prompted.
  3. Create a new username and password. Your username must be six to 20 characters, cannot be all numbers, and can be a combination of letters, numbers, and the following special characters: @ $ * _ – = . ! ~ . Your password must be six to 32 characters, must be a combination of letters, numbers, and / or the following special characters: @ $ * _ – = . ! ~, and cannot contain your username. After your initial sign on, you will no longer use your member number to access Internet Banking.
  4. Enter your contact information (phone number and email) so that your access can be verified through a one-time verification code. This verification code helps protect your account from fraudulent activity and is sent within ten seconds of being requested. You can receive this code by text, email, or phone call. Enter the verification code into the system when prompted.
  5. After entering your one-time verification code, you have the option to register your computer and browser. When you register your computer and browser, you skip the one-time verification code process outlined above during subsequent sign ons to the Internet Banking system. 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.

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

When can I use Internet Banking?

Internet Banking is available 24 hours a day, 7 days a week. Routine maintenance generally takes place from 12 am – 2 pm EST on Sunday evenings, so it is possible the service may be temporarily unavailable during that time.

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 sign-on.

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 / 800.468.3011.

How secure is Internet Banking?

Internet Banking is very secure. Please refer to our Privacy Policy for a detailed explanation to this question. You may also refer to the Verisign seal, found on any page, for security verification.

Username Resets, Password Resets, & Other Access Questions

What does it mean to register a computer?

When a computer is registered, it is linked to the unique member signing-on to Internet Banking from that computer.

Please note that 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.

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, you account access can become locked if you have had five consecutive, unsuccessful sign on attempts in one session.

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

What do I do if I forget my Internet Banking username or password?

If you forget your username and / or password, you can reset them online.

What restrictions apply when changing passwords?

You may change your password any time you choose by selecting the “My Profile” option within Internet Banking. Passwords must be a combination of letters, numbers, and / or the following special characters: @ $ * _ – = . ! ~, cannot contain your username, must be between 6-24 characters, and may start with a zero. Letters in your password are also case sensitive. Therefore, they need to be uppercase or lowercase, depending on what you used when you changed your password.

Is there a time limit on how long I can access Internet Banking in a given session?

There is no time limit in a given session, however, to protect your accounts, you will be automatically signed-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. For example, if you are using GoToMyCard for over twenty minutes without using any of the functionality within Internet Banking, your Internet Banking session will time out.

What happens if my computer crashes or Internet Banking goes down while conducting a transaction?

In most cases, your transaction will go through, but if you have any doubts about how the interruption affected your account status, sign-on to Internet Banking again and check your accounts. If you are still unsure after that, please contact us at 845.463.3011 / 800.468.3011.

I can access Internet Banking from home, but not from work. Why?

Many companies utilize a firewall or a proxy server. A firewall is a device that controls the flow of data between the Internet and a company’s network. The firewall helps protect the company network from unauthorized access from the internet and can also prevent company machines from accessing certain internet content and locations. To access our secure, Internet Banking area you need to be able to connect to a site that uses a secure connection and Port Proxy. If you cannot connect to Internet Banking, speak to your firewall or network administrator and request access to it. However, if your company’s internet policy restricts your access, you may not be able to use Internet Banking at work. Please note that in these cases you are being blocked at your work location and we cannot control this situation.

Should I take special precautions to ensure security on my computer?

When you have completed an Internet Banking session, be sure to click “Logout” at the top right of the page. For added security, close your internet browser after using Internet Banking. This helps prevent information stored in your browser from being displayed when the “Back” button is used. These measures are particularly important when accessing Internet Banking from a public or shared computer. In addition, to prevent unauthorized users from accessing your accounts, you are automatically logged out of Internet Banking after twenty minutes of inactivity.

Account Questions

How much transaction history is available for my accounts?

When you click on an account in the “My Accounts” screen you are able to view the past 10 days of transactions. You may adjust the date range to view up to 18 months of history.

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 current are my balances and transaction activities?

Balance and transaction information is presented in real time, meaning the balances on your accounts are updated when transactions post to your account.

Where can I view my account interest rate and year-to-date interest earned?

The interest rate and year-to-date interest earned for your savings accounts are available within the specific account details of a given account. Click the “See account details” link on the right side of the page under your Balance and Available information.

Are there limits to the number of transactions I can conduct in a month?

There are no limitations specific to Internet Banking. However, some products and services have limitations and terms. Please review your individual product disclosures for specific details.

Some accounts are also subject to Regulation D. Transactions performed on money market and savings accounts will be monitored in compliance with the “Reserve Requirements for Depository Institutions,” as required by the Federal Reserve Banking System. There is a maximum number of transactions you will be allowed to perform on money market and savings accounts during a calendar month, and if, when transferring funds, you receive the message, “This account only allows 6 debits of this type per month,” it means you have already reached the maximum number of transactions allowed for the month. The transaction is not processed, and you will need to transfer the funds through another means (ATM, branch, etc.) other than through Internet Banking.

For more information, refer to the complete description of this regulation in the Truth in Savings Disclosure & Account Agreement disclosure you previously received upon opening your account(s) with HVFCU.

Additionally, to help you monitor your Regulation D transactions, you can set up a Reg D notification within CUAlerts (accessible within Internet Banking)

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 account, 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 in 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: savings, tiered money market, checking, PaySmart, pledge of savings lines of credit, pledge of stock lines of credit, readi-cash lines of credit, and 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), and 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
  • Money market accounts
  • Select certificate accounts

New accounts, with the exception of certificate accounts, can be opened via transfer from an existing HVFCU account or from an account at another financial institution. Certificate accounts require transfers from an HVFCU account.

You can also order paper checks, or establish Bill Pay, direct deposit, and overdraft protection, as applicable to the accounts opened. View our online account opening FAQs for additional information.

What restrictions apply when opening certificate accounts online through Internet Banking?

You may open select certificate accounts through Internet Banking (no IRAs, Flex Certificate Accounts, or Save Smart Certificate Accounts). You may open a certificate account for a term of 3, 6, 12, 24, 36, 48, or 60 months, with a minimum deposit of $500 and a maximum deposit of $49,999. Certificate accounts that are opened outside of normal business hours will be opened the following business day. You are not permitted to add a joint account owner when opening certificate accounts online.

What accounts can I request a Check to Self from in Internet Banking, and is there a limit on the amount of funds I can request?

When requesting a Check to Self, there is a maximum limit of $10,000 per check on the following accounts: savings, money market, checking, PaySmart, and readi-cash lines of credit.

When requesting a Check to Self, there is a maximum limit of $25,000 per check on the following accounts: pledge of savings lines of credit, pledge of stock lines of credit, and interest only home equity lines of credit.

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 EST, Monday through Friday or by 1:30 pm EST on Saturday and post to the account balance within 24-48 business hours.

General Questions

Is there a cost to use Internet Banking?

There is no cost to use Internet Banking (or Bill Pay). Regular banking product and service fees apply, such as check reorders, copies of checks, etc. Refer to our fee schedule for a list of applicable fees.

Note: Bill Pay is a separate service that requires additional enrollment (which is done through Internet Banking), even though it is accessible through Internet Banking. View our Bill Pay demo to learn more about the service.

Can I download my account information to personal financial management software such as Quicken or Quickbooks?

Yes, you can download your account information into Quicken, Quickbooks, or Excel. Additionally, if you are enrolled in Bill Pay, you may also download your payment history as a .csv file.

Can I pay my bills online through Internet Banking?

If you enroll in HVFCU Bill Pay, you can make payments through Internet Banking. You must have a checking account with HVFCU in order to take advantage of Bill Pay. Please note, however, that Internet Banking users are not automatically enrolled for this service. You must enroll for Bill Pay separately. To enroll, click the Bill Pay menu or check image on the Internet Banking homepage and follow the prompts accordingly. Please view our Bill Pay demo to learn more about this convenient service.

Can I pay my bills online if I am not currently an Internet Banking user?

No. Since HVFCU Bill Pay is accessed through Internet Banking, you must first enroll in Internet Banking in order to pay your bills online. To get started, call us at 845.463.3011 / 800.468.3011 or stop by any of our branches.

Can I receive my statements electronically?

When you enroll in eStatements you will be sent an email each month notifying you that your eStatement is ready for viewing. You can also sign on to Internet Banking at any time and click the “eStatements” option from the “Additional Services” menu.

eStatements is a free service that has the following benefits:

  • eStatements are faster than standard paper statements, so you will receive your eStatement 2-3 days earlier than regular mail.
  • Access to eStatements is secure.
  • eStatements are presented in both HTML and PDF formats, allowing for viewing, printing, and downloading.

NOTE: To use eStatements you need an internet browser that supports 128-bit encryption.

How can I update my email address with the credit union?

You may change your email address through the “My Profile” link within Internet Banking. You may also update it by stopping in to any branch, sending an email using our secure form, or calling us at 845.463.3011 / 800.468.3011.

If you are an eStatements user, your email address will be updated once you access eStatements after making the change. Our eStatements system will detect that you’ve made a change and update your email address accordingly.

What do I need to know if I use an account aggregation service?

HVFCU does not offer account aggregation services, therefore, if you choose to use the services of an account aggregation provider, please review our Account Aggregation Disclaimer.

    © 2016 Hudson Valley Federal Credit Union

    PO Box 1071, Poughkeepsie, NY 12602-1071
    ph: 845.463.3011 / 800.468.3011

    Routing Number : 221979363
    HVFCU Prepaid Visa Routing Number: click here

    Unauthorized Access Warning – Access to Internet Banking is restricted to authorized HVFCU members only.