Hudson Valley Federal Credit Union Guide to Business Internet Banking & Bill Pay

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Guide to Business Internet Banking & Bill Pay

Enrollment & Logging In

Transactions & Services

Bill Pay

Account & Security Settings

Published by Murphy & Company, Inc. 13610 Barrett Office Dr. St. Louis, MO 63021 www.mcompany.com

© 2009-2016 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows, and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems, Inc. in the United States and/or other countries. © 2012 Portions of this guide are written by Q2 eBanking. Disclaimer Concepts, strategies, and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author/ publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental, or other damages. For complete product and service information, please refer to the terms, conditions, and disclosures for each product and service.

Welcome

Welcome to Hudson Valley Federal Credit Union Online and Mobile Banking! You can use the Table of Contents to click to the topic or feature you’re interested in, from basic login information to bill pay and transfers. If you have additional questions, contact us at 845-463-3011.

Table of Contents General Information

Security.................................................................................................4 Security.................................................................................................5 New Enrollment.................................................................................8 Entering ID & Password..................................................................9 My Accounts Navigation.........................................................................................10 Account Details...............................................................................12 Send a Message...............................................................................13 Funds Transfer..................................................................................14 Member to Member Transfer......................................................16 Business Bill Pay Getting Started................................................................................18 Navigation.........................................................................................20 View Scheduled Transactions.....................................................21 Single Payment: Individual..........................................................22 Single Payment: Bill........................................................................24 Edit a Single Payment....................................................................26 Create a Recurring Payment.......................................................27 Edit a Recurring Transaction.......................................................28 Payment Approval..........................................................................30 Add a Payee......................................................................................32 Edit a Payee.......................................................................................34 Import Payees..................................................................................35 Manage Categories........................................................................36 Company Profile..............................................................................38 Manage Bill Pay Accounts............................................................39 Modify User Permissions..............................................................40 Personal Profile................................................................................42 e-Notifications.................................................................................43 Reports...............................................................................................44 Manage Transactions.....................................................................46

Services CUAlerts..............................................................................................48 Mortgage History............................................................................49 My Travel Dates................................................................................50 HVFCU Rewards!..............................................................................51 eStatements......................................................................................52 eNotices..............................................................................................53 Credit Card........................................................................................54 Stop Check Payment......................................................................55 Checks Reorder................................................................................57 Desktop RDC Enrollment.............................................................58 Settings Account Preferences......................................................................59 Security Preferences......................................................................60 Alerts...................................................................................................61 Security Alerts..................................................................................63 Text Enrollment...............................................................................64 Locations Branches and ATMs........................................................................66

General Information

Security

By following our tips, Online Banking with HVFCU can be a safe and efficient method for handling your banking needs. For additional security tips, visit hvfcu.org. User Identification and Password Security starts at your computer. To make your passwords hard to guess, avoid using your pet’s name, hometown, or other personally identifiable choices and combine random numbers instead of using your birth date. Secure Sockets Layer Encryption We use Secure Sockets Layer (SSL) encryption, a trusted method for securing internet transactions. This technology scrambles data as it travels between your computer and HVFCU, making it difficult for anyone to access your account information. Secure Access Code You need a Secure Access Code to access your accounts when you log in to Online Banking with HVFCU for the first time or the first time from any new device. This code is delivered to you via email, phone call, or SMS text message. You can opt to register your device so that you do not have to complete the Secure Access Code process the next time that you access HVFCU’s Online Banking system from that same device. If you delete the security certificate or “cookie” that recognizes your device as previously registered, you will need to receive another code to register your device again. The cookie will expire after one year so this process must be repeated at least once per year per device. For added security you may choose to NOT remember your device and will need to receive the access code for each login on that device.

Note : If you have Short Code messages disabled on your phone, your Secure Access Codes may not be received.

General Information Security

Online Banking Safety Tips: • Make sure your computer’s operating system is up to date with security updates and you are running and updating your anti-virus software. Also ensure you are running a current version of your web browser software and that it is updated regularly. Click here for the most current list of supported browsers. • Choose passwords that will be easy for you to remember yet hard for others to guess. Don’t use personal information (like a street address) or public information (like your school’s mascot). Many people use password managers on their computer and phones to help them with this task. • When you’re done with your Internet Banking session log out of the website and completely close your browser to ensure that all confidential login information is removed from the computer’s memory. • Do not leave your computer unattended when logged in to Online Banking. • Do not access Online Banking on public computers or unsecured Wifi networks. • If you receive an error when logged in to your account, report the error to a representative at 845-463-3011.

General Information

Security

HVFCU will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an alleged email inquiry from HVFCU, please report the incident to a contact service representative as quickly as possible. To reduce the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phishing is when criminals pose as a legitimate person or organization such as the IRS, your credit union or credit card company and try to convince you to disclose sensitive personal information or open a malicious email attached on your computer. Because criminals can easily copy the graphics from the real organization’s website, simply having the email look legitimate doesn’t mean it is. Remember that the real organization won’t ask you for your account or personal information because they already have it. If the request seems suspicious, log on directly to your institution’s website without using any links in the email or call the institution directly to ask if the email is indeed legitimate. Identity Theft Identity Theft is when criminals obtain enough or your personal information to be able to take out new loans or lines of credit in your name or user your existing lines of credit to make fraudulent purchases. To help guard against this you should check your accounts frequently and take advantage of the free credit reports available from the three major credit bureaus (Equifax, Experian, and Transunion) once each year. You can choode to view all three bureau reports at the same time, one time per year, or view one bureau report every three to four months to spread out your reviewing per the year. More information is available at https://www.annualcreditreport.com. Logging Off As a secure practice, you should log off of your Online Banking session before you close the browser window or anytime you walk away from your computer. Additionally, HVFCU will log you off automatically due to inactivity or when your HVFCU session reaches the maximum time limit.

General Information

Security

Fraud Prevention Tips: • Do not open email attachments or click on links from unsolicited sources. • Avoid completing email forms or responding to messages that ask for personal or financial information. Do not trust an email asking you to use a link for verification of login or account details. • Monitor your account transactions for unauthorized use. • Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers, and expired charge cards before disposing of them. • Contact the sender by phone if you are suspicious of an email attachment.

General Information

New Enrollment

Reach out to the Contact Center or your Branch Manager or Business Loan Officer to enroll in Business Internet Banking. Be sure to review/update your contact information during the enrollment process. Once you’re enrolled: 1. Enter your new Login ID and click Login . When prompted on the new screen, enter your temporary password and click Login . 2. You will then be directed to a page where you will select the delivery method of your Secure Access Code. This page displays the contact information on file for your account. Select either the phone, text message, or email option that enables HVFCU to reach you immediately with your one-time Secure Access Code. If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please call us at 845-463-3011 to update your contact information. 3. When you receive your six-digit Secure Access Code, enter it on the access code screen, and then click Submit . This one-time access code is valid for only fifteen minutes. If it expires before you use it, you must request a new one. If you close the login screen and then receive the code, follow the above steps again but instead select “I already have a Secure Access Code.” 4. Once your code is accepted, you will be asked if you would like to register your device. If you register your device, you will never have to request a new Secure Access Code when you use that device in the future. 5. Review the Welcome First Time User screen, which presents a PDF link of the Online Banking Services Agreement. Click the link to view the agreement, and read and acknowledge that you agree to the conditions by clicking I Accept . 6. A view-only online profile screen will appear for you to review. It will be grayed- out, and you cannot make any changes at this point. At this time, note any contact information that you would like to change in the future. Once you access Online Banking, you can create a new conversation in the secure message area of the site and select the Address Change option in the With drop-down menu to request an update to your contact information. Click Submit then OK to continue. 7. You can now change your password by using your temporary password as your old password. For your protection, you need to create a password that meets the stated security criteria. When finished, click Submit . When the pop-up window appears, click OK to confirm. 8. Congratulations! You are now logged in to Online Banking with HVFCU.

Logging In Entering ID & Password

Once you enroll as a New User and log in to Online Banking at least once, follow the steps below for subsequent logins.

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1. From HVFCU’s Online Banking login box, enter your Login ID and Password . Click Log In . 2. If you don’t remember your password, simply enter your Login ID , leave the Password field blank, and click on the “ Forgot Password? ” option. Click Log In . Should I register my device? If this device is a “private” device where you have exclusive access, you may want to register your device so it is recognized during future logins to save time. We very strongly recommend against registering a public device, such as one at a public library, where other people have access to the same computer. Should you do this accidentally, you may call our Contact Center and have them reset the cookies to all device on your account. Logging Off As a secure practice, you should log of off your Online Banking session before you close the browser window or anytime you walk away from your computer. Additionally, HVFCU will log you off automatically due to inactivity or when your Online Banking session reaches the maximum time limit.

My Accounts

Navigation

The My Accounts page gives you an overview of available balances in all of your accounts at HVFCU, all displayed conveniently in a comprehensive list. To View an Overview of Your Accounts:

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My Accounts Navigation

1. You can view your Available Balance , which is the current balance minus any pending transactions, and your Current/Actual Balance , which is the amount your account starts with at the beginning of the business day. 2. For account transaction history, click the account name to view the Account Details screen. From here, you can view transaction details by clicking the transaction. 3. To edit your account nickname, click the icon, and then click the check mark. 4. To change the order in which your accounts appear, click and hold an account name, then drag and drop it to its new location. 5. To create a new group, click and hold the account you would like to put into a new group, then drag and drop the account to the group icon at the bottom of the screen. Add a new group nickname, and then click the check mark. 6. To View Activity or send a Quick Transfer to an account, click the two gray vertical lines to the right of an account name. 7. You can scroll through the account summaries by clicking Next or Previous at the bottom of the summary box. 8. To print a quick summary of the current available funds in your account, click the icon. . 9. If you are in a hurry, there is an option for easy access tools in the top right corner. These Quick Action options allow you to swiftly transfer money and view the deposit check history.

My Accounts

Account Details

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From your Home Page , click on an account for more information. 1. For account transaction history, click the account name to view the Account Details screen. 2. If you click on the description of a specific transaction, you will see more details of that transaction. You can then get more information, like the image of a check, by clicking a single element. 3. You can choose to print this transaction by clicking on the icon or send secure messages to HVFCU by clicking the icon. 4. If you click Filters , you can sort out particular transactions to view, export, or

print. Once you’ve made your selections, click Apply Filters . 5. Send a secure message about your account by clicking the

icon, print your

account details by clicking the

icon, or export transactions by clicking the

icon.

Secure Messages

Send a Message

The Secure Message Center allows you to communicate securely with your credit union. Check here for alerts, replies to your inquiries, and credit union communications. To View Messages:

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Click on Secure Message tab . 1. Messages are listed on the left side of the screen. Click the message that you would like to read, and the entire message will appear on the right. 2. If you would like to delete a message, click the icon, or you can reply to a message by clicking the icon. Both icons are located in the upper right corner of message. 3. Create a new message by selecting New Conversation . 4. Messages automatically expire after a certain period of time. A message can be saved indefinitely by clicking the check box by “ This message should never expire .”

Make a Transaction

Funds Transfer

Online Banking with HVFCU enables you to quickly and easily transfer funds between your HVFCU accounts. To Transfer Funds:

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Make a Transaction Funds Transfer

In the Transactions tab, click on Funds Transfer . 1. Select the accounts that you wish to transfer funds From and To using the drop- down menus. 2. Enter the dollar Amount and Date to process the transaction. 3. If you wish to set up a recurring transaction, click the check box “ Make this a recurring transaction .” New input fields will appear, and you will need to specify the Frequency and Date range for this transaction. You can choose to make this transaction Repeat Forever by checking the box under Frequency . 4. When you have finished entering all of the required information, select Approve .

Make a Transaction Member to Member Transfer

With the Member to Member Transfer feature, you can send money to any HVFCU member. You can also conveniently link to their account for deposit purposes only. To Send Money to an HVFCU Member:

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Make a Transaction Member to Member Transfer

In the Transactions tab, click on Member to Member Transfer . 1. Choose whether you are making a one-time Single Transfer or if you would like to Link Account to save the payee for future use. Note : Once the payee is linked, the company admin must set permissions for deposit rights for each user/role that should deposit to this saved payee in the future. 2. For a Single Transfer , use the drop-down to choose the From Account where funds will be taken out of. If you wish to include a Description of your transfer, do so in the provided box. 3. Enter the information for the recipient. Be sure to update the account type to match the entered share/loan ID. 4. Click Submit . 5. If you would like to link this account for future use, click Link Account on the first window. Fill out the requested information, then click Submit . 6. To review or cancel a Member to Member Transfer visit the Internet Banking Activity menu.

Business Bill Pay Getting Started

With Bill Pay, you can conveniently make one-time payments or set up auto payments so that you do not have to remember to complete a transaction each month. It is easy to set up national billers to pay your phone bill or credit cards as well as pay the lawn maintenance company. The first time that you click the Bill Payment tab, you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions. To Get Started with Bill Pay:

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Business Bill Pay

Getting Started

Click on Bill Payment tab. 1. Across the top, you will see the Payments, Payees , and Options tabs where you can quickly navigate the different areas of Bill Pay. 2. New or unread messages will be under the New Messages tab. 3. Scheduled Transactions show the next thirty days of scheduled transactions. 4. In the Attention Required area, you will see a list of payees awaiting activation or payments waiting approval.

Business Bill Pay

Navigation

Clicking on each tab across the top will provide you with different options to add payments or payees as well as manage user access. These tabs make navigating Bill Pay quick and efficient. Some menu items such as Single Payment or Recurring Payment have additional options that appear when clicked. To Navigate Bill Pay:

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Business Bill Pay View Scheduled Transactions

Bill Pay with HVFCU is simple. To view scheduled transactions that will be debited from your accounts, follow the instructions below. To View Scheduled Transactions:

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Click on Bill Payment tab. 1. Click the Payments tab. 2. Select Scheduled Transactions ; a new window will open listing all open pending payments. 3. To view a payment, click View Details . 4. A payment can be edited by clicking Edit then changing the details on the next screen. 5. A payment can be stopped completely prior to processing by clicking Stop .

Business Bill Pay Single Payment: Individual

When you need to send one-time payments, like to your hairdresser, babysitter, or a fundraiser, a single payment would be appropriate. Follow the instructions below to pay an individual. Payees created through this process will be stored for future use. To Pay an Individual:

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Business Bill Pay

Single Payment: Individual

Click on Bill Payment tab. 1. Click the Payments tab.

2. Select Single Payment and then For an individual from the new selections. 3. A new screen will appear where the payee can be paid electronically or by check. Even with electronic payment, not all of the information needs to be known. If you do not have all of their banking information, select the radio button for “ Allow them to provide their banking information .” 4. Fill in the known information and click Next so that HVFCU can contact the individual for banking information. 5. If banking account information is known, select “ I have the bank account information ” and enter the information necessary.

Business Bill Pay Single Payment: Bill

When you need to send a payment to your lawn maintenance or electric company, a single, one-time payment may be appropriate. Follow the instructions below to pay a bill. You can enter information for national or local companies. Payees created through this process will be stored for future use. To Pay a Bill: 10 11 12 13 14 15 16 17 18 19 20 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 1 2 3 4 5 6 7 8 9

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Business Bill Pay

Single Payment: Bill

Click on Bill Payment tab. 1. Click the Payments tab. 2. Select Single Payment and then For a Bill from the new selections. 3. Select a payee from the list. 4. Be sure to select the Account to pay from. 5. Use the convenient Calendar in which to choose the Process Date. 6. An Invoice or Comment can be added by clicking Invoice/Comment . 7. Click Submit to authorize the payment to be debited from your account on the process date for electronic payments.

Note : A payee must be activated before a payment can be scheduled. This can be done in the Payee list or in e-Notifications.

Business Bill Pay Edit a Single Payment

Changes can be made to a scheduled payment by following the instructions below. This can be done up until the time of processing. To Edit a Single Payment:

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Click on Bill Payment tab. 1. Click the Payments tab. 2. Select Scheduled Transactions . 3. Click Edit on the new screen to edit the details of the transaction. 4. Click Submit when complete.

Business Bill Pay Create a Recurring Payment

Staying on top of your bills is made easier with Recurring Payments. You can choose to create recurring payments at specific intervals for each bill. Setting up a recurring payment takes only a few moments and saves you time from not having to enter a payment each time a bill is due. You can also choose to receive a reminder of the pending bill instead. To Create a Recurring Payment:

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In the Transactions tab, click on Bill Payment . 1. Click the Payments tab.

2. Select Recurring Payment and then choose whether the payment will be for a bill or an individual. The process will be similar to creating a Single Payment with the additional options of frequency. 3. Be sure to select an account to Pay From as well as the Amount . You can also add a Comment . 4. Designate the frequency would like this payment made as well as if/when you would like this payment series to end. 5. Click Submit .

Business Bill Pay Edit a Recurring Transaction

Recurring transactions can be edited at any time. You can change the frequency or date of the recurring transaction or delete it entirely. To Edit a Recurring Transaction:

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Business Bill Pay Edit a Recurring Transaction

Click on Bill Payment tab. 1. Click the Payments tab. 2. Select Scheduled Transactions ; a new window will open listing all open pending payments. 3. Click Edit on the new screen and then edit the details of the transaction. Scheduled transactions can be skipped or changed. 4. Click Submit when completed.

Business Bill Pay Payment Approval

Sometimes, depending on how a user is set up and what rights are assigned to the user, a payment can be designated as “needs approval.” You will see notifications of payments awaiting approval in the Attention Required Area center. An authorized user must log in to approve each transaction that hits certain criteria. To Approve a Payment:

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Business Bill Pay

Payment Approval

Click on Bill Payment tab. 1. Click the Payments tab.

2. Click Payments Awaiting Approval on the right side of the screen. 3. A new screen will open showing all pending payments awaiting approval. Click Approve to authorize each transaction. 4. You can view or edit a transaction by clicking View Details or Edit .

Business Bill Pay

Add a Payee

You can start the Bill Pay process by creating a payment, or you can start by inserting the information for each payee. Adding companies, individuals, or financial institutions that you pay frequently makes future Bill Payments simple and efficient. To Add a Payee:

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Click on Bill Payment tab. 1. Click the Payees tab. 2. Click Add a Payee . 3. Choose what type of payee you are adding and select the Go There Now link below the appropriate type. 4. Enter the required information on the next few pages.

Business Bill Pay

Add a Payee

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5. Click Next to continue adding all necessary information, and then click Submit Payee . 6. The last page will ask whether you would like to Schedule a Payment to this Payee or Add another Payee .

Business Bill Pay

Edit a Payee

Editing the simple details of a payee is within your Bill Pay.

To Edit or Delete a Payee:

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Click on Bill Payment tab. 1. Click the Payees tab. 2. Click View Payees .

3. Payees can be sorted by clicking the tabs across the top. 4. To edit a payee, click Edit at the end of the payee’s row. 5. Edit the payee’s information. When completed, click Save . 6. If additional payment details for this payee need to be changed, click Submit a Payee Change Request . 7. Payees can also be activated from this area.

Business Bill Pay

Import Payees

Payees used in QuickBooks or Quicken can be imported easily through the Import Payees function. To Import Payees:

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Click on Bill Payment tab. 1. Click the Payees tab. 2. Click Import Payees . 3. Click the link to import payees from QuickBooks or Quicken.

Business Bill Pay

Manage Categories

Categories are groups of payees that help organize your bills and create your budgets.

To Manage Categories:

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Business Bill Pay

Manage Categories

Click on Bill Payment tab. 1. Click the Payees tab. 2. Click Manage Categories . 3. You can move payees into new categories by clicking and dragging their names into the category. 4. Match payees and categories by using the drop-downs. Click Add to Category when a desired match made. 5. To remove a category, click Remove next to the appropriate category. All payees in that category will now appear in the area Payees Not Assigned to a Category section at the top. 6. Click Add New Category to create a brand new category.

Business Bill Pay

Company Profile

Easily change information associated with your account at HVFCU by modifying your company profile. To Modify Company Profile:

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Click on Bill Payment tab. 1. Click the Options tab. 2. Click Company Profile .

3. Change the information that HVFCU has on file for your company. 4. Change whether Dual Requirements are required by toggling On/Off . 5. Be sure to click Submit when completed.

Business Bill Pay

Manage Bill Pay Accounts

Easily add or edit your Bill Pay accounts through the Manage Bill Pay Accounts function. To Manage Bill Pay Accounts:

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Click on Bill Payment tab. 1. Click the Options tab. 2. Click Manage Bill Pay Accounts . 3. Select the Bill Pay Accounts tab to Edit or Delete an account. 4. Select the Add New Account tab to input information to create a new account to use in Bill Pay, then click Submit .

Business Bill Pay

Modify User Permissions

You should monitor the users that have access to your account. Through User Permissions, you can give each user different access to your accounts, amount of debit allowable, and designate other permissions. Carefully consider each user’s permissions. To Modify User Permissions:

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Click on Bill Payment tab. 1. Click the Options tab. 2. Click Manage Users . 3. Select a user to modify then, click Permission Settings .

Business Bill Pay

Modify User Permissions

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4. On the new screen, the current permissions are displayed. To change any elements, click Edit User Permissions . 5. After this, the categories on the left are selected, and permissions can be changed for different features within Bill Pay. Simply select or deselect blue check boxes next to a feature. 6. Be sure to click Save Changes before exiting. 7. Original permissions can be restored at any time by clicking Restore Original Permissions . This restore applies to all elements of user permissions for this particular user.

Business Bill Pay

Personal Profile It is important to keep the contact information about your company up-to-date with HVFCU. You can easily change these elements and personalize your Bill Pay experience by following the steps below. The Challenge Phrases can also be altered here. To Modify Personal Profile:

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Click on Bill Payment tab. 1. Click the Options tab.

2. Click Personal Profile , and a menu will appear with additional options. • View Contact Info: Contact information, such as Phone Numbers, Email Address, or Text Message Numbers, can be changed here. • Default Page: This is the page where you can specify which page Bill Pay opens up in, such as Home Page, Main, Single payment, Calendar, or shortcut. • Challenge Phrases: Here, the challenge responses can be changed.

Business Bill Pay

e-Notifications

HVFCU makes staying on top of payments and bills simple, but it becomes even easier when you set up e-Notifications in your account. There are several triggers that can send an e-Notification so that you are always on top of what is happening with your accounts. To Modify e-Notifications:

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Click on Bill Payment tab. 1. Click the Options tab.

2. Click e-Notifications , and a menu will appear with additional options. • Event : Develop customized communications where you are notified each time a particular event occurs through this Bill Pay account. • Logout : Choose to receive a customized email summary of Bill Pay activities. • Recurring : Email notifications can provide a list of Bill Pay information. • Reminders : Schedule reminders for each time payments need to be made or funds need to be.

Business Bill Pay Reports

A report, or detailed overview of your spending habits, can be created, helping you better manage your finances. You can view them on your computer or download them locally to your hard drive or device. To Create or Run a Report:

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Business Bill Pay Reports

Click on Bill Payment tab. 1. Click the Options tab. 2. Click Reports . 3. Choose a Report Type listed on the left. 4. A new window will open with designators to customize the report. When satisfied, click Create Report . 5. The report will appear in the same window, where the option will be presented to print or export the report to an electronic file.

Internet Banking Activity

Manage Transactions

The Internet Banking Activity shows transaction activity initiated through Online Banking with HVFCU. Depending on the type of account and your accessibility, you can review, approve, and cancel unprocessed transactions. You can view the status, type, amount, date of activity, and account of debits and credits for single and recurring transactions. To View Online Transactions:

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Internet Banking Activity

Click on Internet Banking Activity . 1. You can choose to view Single Transactions , Recurring Transactions , or Deposited Checks by clicking on the appropriate tab at the top. 2. Click on a transaction to view more details. 3. Click Filters for additional search options. Click Apply Filters when you are satisfied with your filter criteria. 4. Select Actions to perform additional functions, such as choosing Inquire to compose secure messages to HVFCU or to Copy a transaction. 5. To print a list of transactions click the icon or to export a list of transactions select the icon. Manage Transactions

Services CUAlerts

Monitor activity on your accounts through event- triggered email and text message notifications. To enroll enter and confirm your email address and agree to the terms.

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1. Use the messages to enter your activation code and activate your address. 2. Use the alerts tab to set up/ manage alerts you wish to receive. 3. Use the email address tab to update your primary email set up alternative email addresses or mobile devices for phone notifications. 4. Use the cancel service tab to stop receiving all account alerts.

Services Mortgage History

Use the Mortgage History feature to access the details about your HVFCU mortgage. Within this part of the site you can see all of your important mortgage loan information including balance, payments received, interest rate, and taxes.

Services My Travel Dates

We monitor Visa transactions carefully for fraud, so intermittent use of your debit or credit card could appear fraudulent while you are away from home. Use My Travel Dates to notify HVFCU that you will be using your HVFCU-issued debit/credit cards out of area.

Services HVFCU Rewards!

Use the HVFCU Rewards feature to monage any of our credit or debit cards enrolled in our rewards programs. Within this part of the site you will be able to see how many rewards points you have accumulated as well as redeem reward points for merchandise, gift cards, and cash back.

Services

eStatements

The eStatements feature is a great virtual filing system, which saves paper and space in your home or office by allowing you to view and store your statements electronically. To View Your Statements:

In the Services tab, click on eStatement . 1. Choose the account you would like statements for. 2. You will then be redirected to a new browser to view you statements.

Services eNotices

Use the eNotice feature to access important notices, forms and documents that HVFCU has sent you. Within this part of the site you can see your mortgage statements, tax statements and other notices such as those for insufficient funds, apple sign ups, compromised card alerts, and more.

Services Credit Card

Use the Credit Card feature to access and manage your card information, including an account summary, statements, make a payment etc.

Services

Using Online Banking with HVFCU, you can initiate a Stop Check Payment request from any device. You can review the status of your request in the Activity Center. The stop payment, once confirmed, will remain in effect for six months. If you need the current fee information, please call us during our business hours at 845-463-3011. To Initiate a Stop Payment: Stop Check Payment

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Services Stop Check Payment

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In the Services tab, click on Stop Payment . 1. Choose Request Type , either single or multiple checks. 2. Click on each category header on the left to select an Account , enter a Check Number , Amount , and choose the Date of the check. 3. Be sure to click Save when change are made. 4. When complete, click Send Request .

Services

Checks Reorder

With Online Banking, you can conveniently reorder checks online.

To Order Checks:

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In the Services tab, click on Check Reorder . 1. Choose the account you would like checks ordered for. 2. You will then be redirected to our trusted vendor’s website to complete your order.

Note : If you notice that you are missing checks, please contact us right away so that we can take precautions to safeguard against identity theft and fraud.

Services Desktop RDC Enrollment

Once you have signed up for HVFCU’s business desktop RDC product please let the Branch/Contact Center know that you would like to have access directly from your Business Internet Banking login and we will be happy to enable that for you. You will continue to have the option to login directly to the desktop RDC product if you wish to do so rather than logging in through Business Internet Banking. If you utilize our desktop RDC product for your business check deposits you can go directly to the merchant portal by clicking on the link in the service menu. Please note that you will need to reach out to HVFCU to request access to the desktop REC merchant portal directly from Business Internet Banking for you if you with to use this link.

Settings Account Preferences

In Account Preferences, you can select name and viewing preferences for your Online Banking accounts. To Set Up or Change Your Account Preferences:

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In the Settings tab, click on Account Preferences . 1. To change the order that your accounts appear in, select the up or down arrows on the right side.

2. Select whether or not your account is visible on the Home Page. 3. To change the nickname of a group or an account, select the

icon, make your

changes, and then click the check mark to save it.

Note : Employees will not be able to see/reference account nicknames.

4. Select a balance to display on the Home Page.

Settings

Security Preferences

In Security Preferences, you can change the different designations that help keep your account secure. To Set Up or Change Your Security Preferences: In the Settings tab, click on the Security Preferences tab and choose a preference to edit.

Password When changing your password, be sure that you follow the guidelines for creating a strong password.

Login ID Be sure to create a login that you will remember but is not too recognizable . Secure Delivery Make sure that we have your correct email and phone number on file so you can receive Secure Access Codes when logging in from an unregistered device.

Settings

Alerts

You can create and manage alerts to remind you of important dates, warn you about the status of your accounts, and tell you when certain transactions occur. When you create an alert, you specify the conditions that trigger the alert as well as the delivery option to receive that alert. All alerts will automatically be sent to your Online Banking account via Secure Messages, regardless of the additional delivery preferences you have chosen. To Edit Alert Delivery Preferences: You can create specific Date, Account, History, Insufficient Funds, Transaction, and Security Alerts and edit their delivery methods. Delivery methods include: • Secure Message within Online Banking • Email • Phone Call • SMS Text Message To Set Up New Alerts:

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