Internet Banking & Mobile Banking Upgrades Complete

Internet Banking Hero

Internet Banking is a free, convenient, and secure way to access your accounts any time, day or night.

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. Once you’ve been given access, you’ll sign into our system and create a username and password. See the additional information below about your initial sign on to Internet Banking.

Quick Tips for Navigating Our Internet Banking System

Below are some quick tips to help you get acclimated to our new Internet Banking system. Click a topic link to view the tips for that topic.

Tips for Signing On to Internet Banking

Tips for Viewing Your Accounts

Tips for Making Transfers Between Your Accounts & Other Member Accounts

Tips for Paying Bills

Miscellaneous Tips

Troubleshooting Tips for Quicken & Quickbooks

System Screenshots

Click to view a larger image.

Our new Internet Banking system and Mobile Banking app are now live and ready for your use. You can download our app from the Apple iTunes store or Google Play. If you have not already done so, take a moment to review the new features of our system, previously used features that are still available, and functionality that has changed.

Special Notes About Scheduled Transfers

If you set up scheduled transfers in our old Internet Banking system, those transfers are still active, however, you will not see them displayed within our new Internet Banking system. If you set up a scheduled transfer for a transfer that you already had in our old Internet Banking system, it will cause your funds to be transferred twice. For example, if you previously scheduled a transfer to pay your auto loan each month, then scheduling this transfer again within our new system will cause your auto loan to be paid twice.

Effective 7/24/12: Scheduled transfers between your accounts occur at 8 am EST on the date you schedule.

Initial Sign On to the New Internet Banking System

You do not have to re-enroll in our new Internet Banking system. Please follow the steps below to get started:

  1. For your initial sign on, you will use the member number and password you used to access our old Internet Banking system. Enter your member number in the username field and your password in the password field. If you do not recall your old Internet Banking password, please call our Contact Center at 845.463.3011 / 800.468.3011 for a temporary password.
  2. Review and agree to the Terms and Conditions when prompted.
  3. Create a new username and password. (Please see below for username and password restrictions.) 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 one minute 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 Internet Banking. 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.

New Usernames and Passwords

You must create a username the first time you sign on to our new Internet Banking.Your new username:

  • Must be six to 20 characters
  • Cannot be all numbers.
  • Can be a combination of letters, numbers, and the following special characters: @ $ * _ – = . ! ~

In addition to creating a username during your initial sign on to the new Internet Banking system, you also need to create a new password. Your new password:

  • Must be six to 32 characters
  • Must be a combination of letters, numbers, and / or the following special characters: @ $ * _ – = . ! ~
  • Cannot contain your username.

New Mobile Banking App Available

In addition to our Internet Banking upgrade, we now have a new Mobile Banking app for iPhone and Android users. If you used our old app, it will no longer work and you must download our new app from the Apple iTunes store (search for HVFCU) or Google Play (search for Hudson Valley FCU).

New features in our Mobile Banking apps include the ability to pay your bills and view copies of your cleared checks. Please note, your Bill Pay billers must be set up through Internet Banking first before you can pay them using your mobile device.

The Text Banking feature is also still available within our Mobile Banking app and is useful for basic transactions such as transfers and balance inquiries. Text Banking must be activated within Internet Banking, and to do so, click the “Text Banking” link under the “Additional Options” menu.

Initial Sign On to New Mobile Banking App

You are not able to use Mobile Banking until you create a new username and password within the new Internet Banking system. Both systems use the same username and password. See the information above about signing into Internet Banking.

The first time you sign on to our new Mobile Banking app you need to confirm your identity, which can be done by text, phone call to your mobile number, or phone call to your home phone number (if applicable). The phone numbers are the same phone numbers you entered when setting up your username and password within Internet Banking. You only need to confirm your identity the first time you use Mobile Banking.

  • If you choose text for your confirmation, you will receive a text with a numerical code. You must reply to that text message with the numerical code to confirm your identity. When you return to our Mobile Banking app, you should be automatically logged in and viewing a message that says “Identity confirmed.”
  • If you choose phone for your confirmation, you will receive an automated phone call. You must respond 1 to confirm your identity. When you return to our Mobile Banking app, you should be automatically logged in and viewing a message that says “Identity confirmed.”

Frequently Asked Questions

Click a question to view its answer.

Why do I still need to enter a security verification code when I previously selected “Yes, Register This Computer”?

To ensure your computer remains registered an encrypted cookie needs to be stored in your browser settings. You will need to ensure you browser is set to accept cookies and is not set to delete history after each session.

Do existing Bill Pay user need to re-enroll in Bill Pay?

No. Existing Bill Pay users do not need to re-enroll. If you are prompted to re-enroll advise, please do not re-enroll and contact us for assistance.

Are there any changes to the Bill Pay service?

No. Our Bill Pay service is still offered through Check-free.

Why can’t I see my existing billers in Bill Pay?

This happens if you had more than one checking account loaded into Bill Pay in our old Internet Banking sytem. We are working to allow more than one checking account to be enrolled. Please contact us if you are not seeing your billers. Once you contact us, you should see your billers within 24 hours.

How can I save my default account details preference (i.e. 10 days, most recent 30 days, etc)?

You can customize your account details to view the most recent 10 days, the most recent 30 days, a specific month, or a range of dates — whichever you choose. Once you set your preference, select “Always use this date range” from the same drop down menu to save your preference for future sign ons.

Why do I get a message that says “HTTP 404: Our apologies. It appears you’ve come across a broken link on our website.” when I click the “Go to My Payments” link within Internet Banking?

This is most likely a cookie issue in your browser settings. Please refer to these Adding Third-party Cookie Exceptions Instructions to see if they correct the link issue for you.

Why did HVFCU remove security questions from Internet Banking? Doesn’t this make online banking less secure?

It does not make it less secure, and it actually makes it more secure. Our old Internet Banking system relied only on “something you know”- your password and security question answer. This isn’t true multi-factor and is susceptible to PC malware that can steal your credentials and phishing sites that mimic real online banking sites to get you to enter your credentials and security question answers. Our new system is true multi-factor asking for “something you know” (your nickname and password) and “something you have”- the authentication code sent to you by phone / text / or email or encrypted cookie.

With the old system, malware infecting a PC could capture your account number, password, and security questions and answers, allowing a criminal to sign on to your account. With the new system, an authentication code is needed either for each sign on or for the initial sign on to create the cookie. The authentication code is sent to your phone or email, and expires after a few minutes. It is only good for one use so once you’ve signed on, the authentication code is useless to a criminal. Even if a criminal has your nickname and password, he needs the authentication code to log on, and needs a NEW code, not one that was previously sent to you. Therefore, as long as you are in control of your phone and / or email account, the criminal cannot intercept the authentication code. Even if the malware can “see” your email, the authentication code is good only for a few minutes and works only once. After you use it, it is of no value to the criminal, and it is unlikely the criminal could use it before you. Further, the phone number and email address are obscured onscreen so that they are not known to the criminal. Only part of the phone / email is displayed so that you recognize which number or address is used (much like receipts show the last four digits of your credit card.)

Why did we remove the security image from the Internet Banking sign on?

The purpose of the security image was to ensure that a person was attempting to sign on and not an automated program. Beyond this, it offered no security value. As the new Internet Banking requires an verification code or existing encrypted cookie to continue, the security image is not necessary to prevent automated attacks.

Aren’t security questions better than a verification code?

Security questions, even if done well, are static. They are infrequently if ever changed. Therefore, if a criminal can obtain them, they can access your account at leisure. For example, it is estimated that 50% or more of PCs have had or do currently have malware on them. Malware commonly captures online banking credentials, passwords, and security questions. Additionally, many phish emails lead users to fake copies of real online banking sites with the purpose of getting them to expose their logon credentials. Verification codes are short-lived and sent “out of band”- meaning that even if there is malware on your PC, it won’t be able to intercept messages sent to your phone. Even if the malware can “see” your email, the authentication code is good only for a few minutes and works only once. After you use it, it is of no value to the criminal, and it is unlikely the criminal could use it before you. (And if they did, it would be an indicator to you of a potential problem and you should try again, then contact HVFCU.)

I have a Blackberry mobile phone or an older Android-based mobile device. How can I access Internet Banking from my phone or device?

You can use a mobile optimized version of our website by going to From there you can check your account balances, make transfers, and access Bill Pay.

Scheduled transfers to other member numbers are no longer available within Internet Banking. If I had a scheduled transfer set up prior to the Internet Banking upgrade, has it been cancelled?

It has not been cancelled. Your scheduled transfer is still set up, although you can no longer see it within Internet Banking. Please contact us to change your scheduled transfers. Please note: You can now set up scheduled member to member transfers by setting up another member as a “biller” in Bill Pay.

I get an “Unable to Register” message when I try to sign up for My Credit Score. Why?

We are working to correct this issue and until it is resolved, you can register at After you register, you can then access the site through Internet Banking.

    © 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.