Online Banking Frequently Asked Questions
Internet Banking FAQs
Enrolling & Getting Started
To protect the security of your information and for a better user experience, we recommend using supported browsers, such as Chrome, Firefox, Safari, and Edge.
Our Internet Banking system does not support Internet Explorer. If you use IE, you can use Internet Banking but some features and functionality may not work optimally with this browser. Microsoft’s default browser is now Edge, and that is the browser they support.
Our Internet Banking system displays the version of the browser you are using. To locate this information, click the Profile tab within Settings.
If you have both personal and business accounts, you will need to log into Internet Banking and/or Mobile Banking using separate login credentials. We do not have a consolidated login option at this time.
Username Resets, Password Resets, & Other Access Questions
When you register your computer and browser, you skip the one-time verification code process during subsequent log ins to Internet Banking or Mobile Banking. Public computers/devices, computers/devices that are used by many individuals, or computers/devices 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/device.
Please note: You will need to repeat this one-time verification code process any time you access Internet Banking from a computer/device 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.
To protect your accounts, you will be automatically logged out from Internet Banking after ten minutes of inactivity. Please note that the use of additional services you access via Internet Banking (i.e. eStatements, etc) does not reset the inactivity timer.
Account Questions
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.
Any accounts you have with Wealth Management at Hudson Valley Credit Union are not available through Internet Banking.
You can access your Wealth Management at Hudson Valley Credit Union 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.
You may transfer a maximum of $100,000 per transaction from the following accounts:
- Savings accounts
- Tiered money market accounts
- Checking accounts
- PaySmart accounts
- Pledge of savings lines of credit
- Pledge of stock lines of credit
- Readi-cash lines of credit
- Interest only home equity lines of credit
When using the Funds Transfer and HV$end services, there is a limit of $1,000 per transfer and / or per day, and a monthly limit of $10,000 in total transfers.
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)
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, 8, 12, 24, 36, 48, or 60 months
New accounts can be funded via transfer from an existing HVCU account or from an account at another financial institution.
It’s quick and easy to update your personal information through Internet Banking. Once logged in, you can update your address, phone number, and email address from within Settings.
Mobile Banking & Mobile Deposit FAQs
There is no fee to use Mobile Banking or Mobile Deposit. However, there may be data charges associated with your phone or mobile device usage. 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.
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. If your device is lost or stolen, you can also restrict Mobile Banking access by revoking tokens through the Settings area of Internet Banking. Once in Settings, click the Applications tab and expand the Tokens drop down. You'll see recent locations (IP addresses) and dates where you logged in. Revoke some or all of the locations.
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.
If your device is lost or stolen, you can restrict Mobile Banking access by revoking tokens through the Settings area of Internet Banking. Once in Settings, click the Applications tab and expand the Tokens drop down. You'll see recent locations (IP addresses) and dates where you logged in. Revoke some or all of the locations.
Payees can be added within our Mobile Banking app, but you are unable to sign up for eBills for any payees you add. If your payee offers eBills, you can enroll in eBills through Internet 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.
Members who are in good standing and are enrolled in Internet Banking.
Bill Pay FAQs
Enrolling & Getting Started
You must be an Internet Banking or Mobile Banking user to use Bill Pay because it is accessed within these services. If you are not an Internet Banking or Mobile Banking user, you can enroll online today.
Bill Pay is a free service for most members. Business members who have a Value Business Checking account pay $5.95 a month for unlimited payments bills.
Payment Questions
Once you are enrolled, your payments may be made in one of the following methods:
- An Automated Clearing House (ACH) may be used to electronically transfer your payments from your HVCU checking account(s) to your payees on the date you specify. These payments appear on your statement or Internet Banking account details as Payee Name: Online Pmt ID.
- A check may be drawn directly on your HVCU checking account(s) and appear on your statement or Internet Banking account details as a check number starting in the 995XXX series. In this instance, a check is sent via the US mail to arrive at your payee location on or before your payment due date. This check will not clear your account until deposited by the payee.
Unfortunately, you do not have the ability to specify by which means above a payment is made, as the method is system generated. Our Bill Pay provider determines whether a payment is sent electronically or by check based on their guidelines.
As a general rule, payments should be scheduled five days in advance of the payment due date. The payment calendar used to schedule your payments highlights the earliest possible date that you can schedule a payment for a payee. Available payment dates are highlighted in green.
There are several ways to verify that a payment has been made:
- View your account details within Internet Banking and Mobile Banking to see which payments have cleared your account.
- View your payment history within Bill Pay itself. Click the Payment History tab within the Bill Pay Dashboard at the top right of the page to see up to 24 months of your payment history.
- Set up a notification through our CUAlerts system so that you are notified when the funds for your payments have been debited from your checking account.
The scheduled payment is made on the preceding business day. For your reference, the following is a list of holidays when payments will not be processed:
- New Year's Day
- Martin Luther King, Jr's Birthday
- President's Day
- Memorial Day
- Juneteenth
- Independence Day
- Labor Day
- Columbus Day
- Veterans Day
- Thanksgiving
- Christmas Day
eBills
While both of these payments may be referred to as eBills, when we reference eBills, we are focusing on those eBills you set up through our Bill Pay. We aren't referencing those automatic payments initiated outside of our Bill Pay, directly with a payee.
Enrollment in eBills is not available within our Mobile Banking app, and must be done through Internet Banking.
Troubleshooting
This error is most likely the result of not having an open checking account or valid email address, or having an error in your first or last name fields within Internet Banking. Please contact us at 845.463.3011 to open a checking account or correct your information. You can also open a checking account online.
If you are blocking third party cookies you will get this message. Change your browser settings to allow cookies and then restart your browser. Once you do this, you should be able to get to Bill Pay.
eStatements FAQs
An eStatement is an electronic version of your Member Account Statement.
You do need to be an Internet Banking or Mobile Banking user to use our eStatements service.
Security is one of the best benefits of eStatements. Only you can access your statements through the security of Internet Banking, Mobile Banking, and Business Internet Banking, and its use of multi-layered security and authentication. eStatements also eliminates the possibility of statements being lost or tampered with in your mail.
Each month, you will receive an email notification that your eStatement is ready for viewing. To view your statement, you can sign on to Internet Banking or Mobile Banking at any time and click the Electronic Documents link from the Electronic Documents menu.
This message appears after 10 minutes of eStatements inactivity, but it will also appear if your browser is blocking third-party cookies from our eStatements site. Please contact us for assistance if your browser is blocking third-party cookies. Our staff can provide you with the necessary instructions for setting up a security exception to allow connection to our eStatements site.
Depending on your browser there are a few different ways an eStatement can be downloaded. You can open the eStatement and then use the file menu to “save-as” to your computer. You can also right-click the document and “save target as” in most supported browsers.
eStatements does not contain information about your HVCU credit cards. Your credit card transactions are available by logging into Internet Banking or Mobile Banking and selecting your credit card.
You have access to the most recent 15 months of historical statements. You can also retain your statements indefinitely by printing or saving them to your computer or other storage device.