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
- You will use your member account number in the username filed and your existing Internet Banking password in the password field the first time you sign on to our new Internet Banking system. You will also be prompted to create a new username and password during this initial sign on.
- Your new username must be between six and 20 characters, and cannot be all numbers. It can be a combination of letters, numbers, and the following special characters: @ $ * _ – = . ! ~.
- Your new password must be between six and 32 characters, must be a combination of letters, numbers, and / or the following special characters: @ $ * _ – = . ! ~, and cannot contain your username.
- Use of one-time verification codes allow you to register your computer and browser, and replace the verify code, security word, and security question components of our previous Multi-Factor Authentication (MFA) system. Verification codes are no longer used once a computer and browser are registered. To enhance your security, verification codes expire after ten minutes.
- If you use more than one browser, such as Internet Explorer and Firefox, you have to authorize each browser in order to avoid being prompted to enter a one-time verification code at sign-on.
- If you clear your computer’s cookies, you will need to register your computer again if you do not want to be prompted to enter a one-time verification code each time you sign-on to Internet Banking. Your Internet Banking authorization is stored in an encrypted cookie on your computer, and when your clear your browser cookies this encrypted cookie is erased.
Tips for Viewing Your Accounts
- When you view your accounts, they are listed in alphabetical order.
- You have access to 18 months of account history.
- The “Quick Peek” feature allows you to view the last five days of your account history without clicking through to your full account details.
- 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” to save it for future sign ons.
- Debits and credits to your accounts are now listed in separate columns.
- Pending authorizations display at the top of the account details page for a given account.
- Check holds are reflected in your available account balance, but there is not a special field in your account details that lists your total check hold amount.
- To view copies of a cleared checks, simply click the check number within your account details.
- You can view the interest rate and year-to-date interest earned on a specific account by clicking the “See account details” link on the right side of the page within your account details.
- If you don’t see one of your accounts listed in your account summary, please go into the account nicknames settings under “Profile” and make sure that the account is enabled for viewing.
- With our new Internet Banking system, you have the ability to search the descriptions of your account details. For this reason, the “Deposits” option that you may be familiar with has been eliminated. If you would like to search for specific direct deposits, simply view your account details and search for terms like “Social Security” or “Payroll”.
- You can choose to display (or hide) your accounts within Internet Banking. To change the accounts that display, click the “Account Nicknames” link through the “My Profile” option at the top right of the page. Check (or uncheck) the “Enable” box next to each account name to display or hide the account.
Tips for Making Transfers
- You have the ability to make a transfer to your accounts from our Internet Banking homepage. Select the “Make a Transfer” option under “Move Money”. You can also make the transfer from within your account details using the “Make a Transfer” option.
- To make a principal only payment on your loan, select the “Make a Transfer” option from the “Move Money” menu. The “Make a Transfer” button on the Internet Banking homepage does not offer principal only payments functionality.
- Scheduled transfers between your accounts occur at 8 am EST on the date you schedule.
- To make a transfer to another member, select the “Make a Transfer” option from the “Move Money” menu and choose “Member to Member Transfer” from the “To Account” dropdown menu. Additionally, you cannot schedule transfers to other members. Transfers can only be scheduled between your own accounts. We suggest using Bill Pay or Popmoney if you need to schedule a future payment to another member.
- To make a transfer to a non-HVFCU member, select the “External Transfer” option from the “Move Money” menu and choose the option to Pay Other People with Popmoney.
- To make a transfer to an account you have at another financial institution, select the “External Transfer” option from the “Move Money” menu and choose the option to “Transfer Between My Accounts.” During setup, you will need to make test deposits to activate your account. These test deposits may take up to two days to post. Please note, once setup, external transfers may take up to four business days to process. You will need to have a checking account with HVFCU to use this service.
- Avoid the use of special characters in the memo field when making transfers. Use of special characters in this field causes the transfer to fail.
- You are not able to schedule member to member transfers. To schedule a transfer, please send money through Bill Pay or Popmoney.
- To request a check withdrawal, select the “Make a Transfer” option under “Move Money” and choose “Check Request” from the “To Account” dropdown menu.
Tips for Paying Bills
- You can schedule bill payments directly on the homepage within Internet Banking.
- You can make same-day payments when permitted by your billers.
- You may set up two accounts for use through Bill Pay
- You may only use Bill Pay for accounts that you are the primary account holder.
- If you are paying your bills through Mobile Banking, any new billers must first be added within Internet Banking before you can pay them using your mobile device.
- To open a new certificate account, select the “Open a Certificate” option from the “Additional Services” menu. You can open a certificate account for 3, 6, 12, 24, 36, 48, or 60 months.
- To request a check withdrawal, select the “Make a Transfer” option and choose “Check Request” from the “To Account” dropdown menu.
- To make a principal only payment on a loan, select the “Principal Only" option on the “Make a Transfer” page.
- Our Internet Banking system times out after twenty minutes of inactivity.
- We have online password maintenance if you forget your password. No need to call our Contact Center, simply reset your password online.
- You can update / change your account information through the “My Profile” option at the top right of the page, including:
- Username, password, and security contacts
- Account nicknames
- Email address, mailing address, and phone numbers (through the “User Options” link)
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.
New Internet Banking Features:
- An updated, more modern look and feel
- A simplified sign on process that eliminates the verify code, security word, and security question components of our Multi-Factor Authentication (MFA) system
- Ninety days of transaction history
- A Quick Peek feature that lets you view the last five days of your account history without clicking through to your full account details
- The ability to choose the amount of account details you wish to view, whether the most recent 10 days, the most recent 30 days, a specific month, or a range of dates (up to 18 months).
- Sorting of account details by transaction description or transaction amount
- Scheduling of transfers right within the Quick Peek view or account details
- Transfers between your HVFCU accounts and accounts at other financial institutions
- The ability to receive confirmation emails of scheduled transfers
- An integrated Bill Pay feature that lets you schedule payments directly from the main accounts overview page
- Account activity downloads to Quicken, Quickbooks, OFX, and Excel
- Built-in calculator and calendar tools
- Online password maintenance if you forget your password
Internet Banking Features Present Within New System:
You continue to have access to many of the features you previously used in our old Internet Banking, with some minor changes in functionality, including:
- Member to member transfers
- Scheduled transfers
- Check reordering
- Check imaging
- Check withdrawal requests
- Stop payments
- Online account opening, including certificate account opening
- Account alerts with CUAlerts and CULetters
- Credit monitoring with My Credit Score
- Person to person payments through Popmoney
- Updating your address, phone number, and email address
- Creating alternate account names
Internet Banking Functionality Changes:
- Viewing Check Holds – Check holds are reflected in your available account balance, but there is not a special field in the Account History that lists your total check hold amount.
- Check ID Number & Routing Number – This information will no longer appear at the top of the page in your checking account details page.
- Regulation D Counter – Our new system does not allow you to go above the six transaction limit enacted by Regulation D, but there is not a special field in your account summary that tallies the cumulative number of Regulation D transactions you perform in a month. Our CUAlerts service is an alternative to this counter, and will send you a notification when a withdrawal or transfer from your savings or money market account counts towards the maximum six transactions allowed.
- Statement History – In order to ensure continuing compliance with all statement regulations, HVFCU will no longer offer this feature to members. We instead encourage any members who would like to view and print their statements from home to sign-up for eStatements.
- Scheduled Member to Member Transfers – Our new Internet Banking allows you to transfer funds to other HVFCU members, however such transfers can’t be scheduled for dates in the future. To schedule a transfer, please send money through Bill Pay or Popmoney.
- Deposit Lookup – Our new Internet Banking system does not have a separate menu option to view deposits to your savings accounts. You can now search for deposits, and other transaction information, directly from the search feature within an account details page.
- Periodic Payments – Any periodic payments set up on our current Internet Banking system cannot be adjusted through our new system. Please call our Contact Center to have these payments stopped or 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:
- 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.
- Review and agree to the Terms and Conditions when prompted.
- 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.
- 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.
- 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.
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.
No. Our Bill Pay service is still offered through Check-free.
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.
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.)
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.
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 http://mb.hvfcu.org. 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.
We are working to correct this issue and until it is resolved, you can register at hvfcu.creditkarma.com. After you register, you can then access the site through Internet Banking.