Stanford Federal Credit Union Online Banking Guide for Members
Online Banking Guide for Members
Published by Murphy & Company, Inc. 13610 Barrett Office Dr. St. Louis, MO 63021 www.mcompany.com
© 2009-2015 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 are registered trademarks of Adobe Systems Incorporated 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.
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Welcome
We work hard to provide our members with the financial tools they need to achieve the goals in life that matter. One of those important tools is Online Banking. Our Online Banking system is designed for ease of use. Whether you access it from your desktop, tablet or smart phone, it looks and functions the same across all devices. It is full of powerful features that make it easy to keep track of your finances. We invite you to take a moment to learn more about the anytime, anywhere convenience of Online Banking with Stanford Federal Credit Union.
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Stanford FCU
Table of Contents
General Information Security.................................................................................................4 New Online Banking........................................................................6 Current Banking Users..................................................................10 Logging In.........................................................................................11 After the First Time.........................................................................11 Home...................................................................................................12 Messages Messages...........................................................................................13 Payments & Transfers Account Details...............................................................................14 Transfer Funds..................................................................................15 Make a Payment..............................................................................16 Pay a Friend.......................................................................................17 Deposit a Check ..............................................................................19 Transfer to Member .......................................................................20 Add External Account...................................................................21 Verify External Account................................................................22 Send Domestic Wire.......................................................................23 Send International Wire................................................................26 Cancel International Wire.............................................................34 Bill Pay Enrollment.........................................................................................36 Overview............................................................................................38 Create a Payee..................................................................................40 e-Bills...................................................................................................41 Make a Payment..............................................................................42 Bill Pay Activity.................................................................................44 Edit or Cancel Pending Transactions........................................45 Overview............................................................................................46 Create a Payee..................................................................................47 Make a Manual Payment..............................................................48 Search.................................................................................................50 Edit or Cancel Pending Transactions........................................51
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Tools & Requests Stop Payment on Check...............................................................52 Submit a Travel Notification........................................................53 Stop or Dispute an ACH................................................................54 Card Dispute.....................................................................................55 Balance Transfer...............................................................................56 Order Checks....................................................................................57 Review Online Activity..................................................................58 Personal Financial Management...............................................59 Add an Authorized or Joint User...............................................60 Open Sub-Accounts.......................................................................61 Desktop RDC Enrollment.............................................................62 Statements........................................................................................63 Profile & Settings Account Preferences......................................................................64 Security Preferences......................................................................65 Security Preferences-Touch ID...................................................66 Alerts...................................................................................................68 Security Alerts..................................................................................71 Update Contact Info......................................................................72 Select Background.........................................................................74 Locations Branches and ATMs........................................................................75
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General Information
Security
By following our tips, Online Banking at Stanford FCU can be a safe and efficient method for handling your banking needs. For additional security tips, visit www.sfcu. org. User Identification and Password Security starts at your computer. Never share your Login ID or password with anyone. Make sure your password is hard to guess by combining random numbers and letters instead of using your birth date, pet’s name or other personally identifiable choices. Secure Sockets Layer Encryption We use Secure Sockets Layer (SSL) encryption, a trusted method of securing internet transactions. This technology scrambles data as it travels between your computer and Stanford FCU, 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 into Online Banking with Stanford FCU 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 have your device registered so that you do not have to complete the Secure Access Code process the next time that you access Stanford FCU’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 request another Secure Access Code. Online Banking Safety Tips: > Ensure your web browser, operating system, anti-virus software, and other applications are current and support 128-bit encryption. > Memorize your passwords and change them regularly. > Exit your Stanford FCU Online Banking session when finished. > Do not leave your computer unattended when logged in to Online Banking. > Do not use public computers or unsecured WiFi when accessing. > If you receive an error when logged in to your account, report the error to a Member Service Representative at 888.723.7328 or locally at 650.723.2509.
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General Information
Security
Stanford FCU will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an email inquiry allegedly from Stanford FCU, please report the incident to a Member Service Representative as quickly as possible. To mitigate the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phishing is an online scam tactic that is used to lure users into unknowingly providing personal data, such as credit card information or Login IDs and passwords. Using realistic-looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convince them that vital information is being requested by a vendor they may already have a relationship with, such as their financial institution. Identity Theft It is important that you are aware of the dangers of identity theft. Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your personal accounts, open new accounts, apply for credit, purchase merchandise, and commit other crimes using your identity. Logging Off As a secure practice, you should log off your Online Banking session with Stanford FCU before you close out of your session, or anytime you walk away from your computer. For additional security, Stanford FCU will log you out automatically due to inactivity or when your Stanford FCU session reaches the maximum time limit. Fraud Prevention Tips: > Do not open email attachments or click on a link from unsolicited sources. > Avoid completing email forms or 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.
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General Information
New Online Banking
1. Type www.sfcu.org into the address bar on your browser. Go to the Online Banking Login box on the Home Page and click Enroll underneath the login box. 2. This opens the Online Banking enrollment screen. Enter all the required information. When finished, click Continue .
If you don’t have a SS# you will need to contact Stanford FCU to setup and gain access to your online banking account.
3. A new browser window will open congratulating you for having successfully enrolled in Online Banking. Make note of your login ID, you will need it to log in to Online Banking with Stanford FCU and complete the enrollment process. Click Continue .
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General Information
New Online Banking
4. You will be directed to a page where you will select the delivery method of your Secure Access Code. This page will display the contact information on file for your account. Select either the phone, text message, or email option that will enable Stanford FCU 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 contact us at 888.723.7328 or locally at 650.723.2509 to update your contact information.
5. When you receive your six-digit Secure Access Code, enter it on the access code screen and click Submit . The Secure Access Code is valid for only 15 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 and instead select “I already have a Secure Access Code” .
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General Information
New Online Banking
6. Now you can create your password. For your protection, you will need to create a password that meets the stated security criteria. Click Submit . When the pop-up window appears, click OK to confirm.
7. A view-only online profile screen will appear for your review. It will be grayed- out and you cannot make any changes at this point. However, please note any contact information that you would like to change in the future. Once you have accessed Online Banking, you will be able to use the Update Contact Info screen to make corrections. Click Next.
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General Information
New Online Banking
8. Review the Online Banking Services Agreement. Read and acknowledge that you agree to the conditions by clicking I Accept .
9. Once you’ve accepted the online agreement, you will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future.
10. Congratulations! You are now logged in to Online Banking with Stanford FCU
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General Information
Current Banking Users
1. Using desktop, type www.sfcu.org into the address bar on your browser. In the online banking Login box on the Home Page and enter your current Login ID and password and then click Login . If you have forgotten your Login ID, please contact us at 888.723.7328 or locally at 650.723.2509. 2. You will be directed to a page where you will select the delivery method of your Secure Access Code. This page will display the contact information on file for your account. Select either the phone, text message, or email option that will enable Stanford FCU to reach you immediately with your one-time Secure Access Code, then click Submit . If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact us at 888.723.7328 or locally at 650.723.2509 to update your contact information. 3. When you receive your six-digit Secure Access Code, enter it in the access code screen and click Submit . The one-time access code is only valid for a limited time. 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 and instead select “I already have a Secure Access Code” . 4. Once your access code has been accepted, you will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future. 5. You will then be prompted to change your password. For your protection, you will need to create a password that meets the stated security criteria. When finished, click Submit . 6. A view-only online profile screen will appear for your review. It will be grayed- out and you cannot make any changes at this point. However, please note any contact information that you would like to change in the future. Once you have accessed Online Banking, you will be able to use the Update Contact Info screen to make corrections. Click Submit , then OK to continue. 7. You are now presented with a copy of the Online Banking Services Agreement. Read and acknowledge that you agree to the conditions by clicking I Accept . 8. Congratulations! You are now logged in to Online Banking with Stanford FCU.
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Logging In After the First Time
General Information
Once you have logged into Online Banking at least once, follow these steps for subsequent logins.
1. From Stanford FCU’s Online Banking login box, enter your Login ID and Password . Click Log In . 2. Forgot 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 to have it recognized for future logins to save time. We do not recommend registering a public device where other people could have access to the same computer, for example, at a public library. Logging Off As a secure practice, you should log off your Online Banking session with Stanford FCU before you close out of Online Banking, or anytime you walk away from your computer. For additional security, Stanford FCU will log you out automatically due to inactivity or when your Online Banking session reaches the maximum time limit.
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General Information
Home
The Home Screen will give you an overview of all of your accounts at Stanford FCU displayed in a comprehensive list with available balances conveniently in one place.
To View an Overview of Your Accounts:
1. For account transaction history, click the account name to view the Account Details screen. View transaction details by clicking the transaction. 2. You can scroll through the account summaries by clicking Next or Previous at the bottom of the summary box. 3. Click the edit button and you will be directed to Account Preferences where you can modify the nickname of accounts as well as the order in which they appear. The print button will print a quick summary of your current available funds in all accounts. 4. Need an action done in a hurry? In the top right
corner, you will notice options for easy access tools. These Quick Action options allow you to swiftly transfer money and view the money manager.
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Messages
Messages
Our message center allows you to communicate securely with your credit union. Messages can be saved by topic for easy reference. Check here for your alerts, replies to your inquiries and Stanford FCU communications.
To View Messages:
Click on the Messages 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. Delete or reply to a message in the upper right corner of the message. 3. Create a new message by selecting New Conversation . 4. Messages automatically expire after a certain period of time has passed. A message can be saved indefinitely by clicking this box.
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Payments & Transfers
Account Details
To View Account Details:
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. View transaction details by clicking that transaction. 2. If you click on the description of a specific transaction, you will see more details like the elements of a multi-faceted deposit. You can then click a single element of this deposit for more information like the image of a check or deposit slip. 3. You can choose to print only this transaction or click Ask about transaction to send a secure message to Stanford FCU. 4. If you choose to Show Filters , you will be able to sort out particular transactions to view, export or print. 5. Once you’ve made your selections, click Apply Filters . 6. Click Print to print your filtered transactions. 7. You can also Export your filtered selection when working from your computer.
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Payments & Transfers
Transfer Funds
Online Banking enables you to transfer funds between your own Stanford FCU accounts quickly and easily.
To Transfer Funds:
Click on the Transfer Funds tab. 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. (optional) If you wish to setup a recurring transaction, click the checkbox 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 needed information, select Transfer Funds . 5. If successful, a screen with an overview of your transaction will appear. All funds transfers will appear in the Review Online Activity in Tools & Requests whether immediate or future dated. You can view them at this time or click Close and review at your convenience.
You can view or cancel unprocessed transactions by accessing the Recurring Transfer tab within Review Online Activity under the Tools & Resources tab.
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Payments & Transfers
Make a Payment
Our Make a Payment feature allows you to post payments on your loans. Such as personal car loans, credit cards, mortage loans etc.
Click on the Make a Payment tab. 1. Select the account that you wish to pull funds From and which loan account you are sending the funds To using the drop-down menus. 2. Select the Payment type. 3. Enter the dollar amount and date to process the transaction. 4. Select the date you would like the payment posted. To make it a recurring payment select Make this a recurring transaction . 5. When you have entered all of the correct information click Submit .
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Payments & Transfers
Pay a Friend
Paying back a friend for dinner or a trip to the movies has been made easier with our Pay a Friend feature. Follow the steps below to pay your friend.
Click on the Pay a Friend tab. 1. Enter in the information a click Continue .
2. Review your infomation and click Continue .
3. Enter in your PaySecure PIN and click Submit .
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Payments & Transfers
Pay a Friend
4. To view your payment history click on History .
5. The recipient will recieve an email or text message with instructions that require them to enter the desired bank acccount information to receive the deposit.
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Payments & Transfers
Deposit a Check
You can deposit a check into your Stanford FCU online banking account by simply uploading a photo of a paper check.
To Deposit a Check via Your Desktop:
1. Choose the account to where you wish to make a deposit. 2. Enter check number and amount. 3. Click the Check Icon to upload each side. 4. Click Submit.
Be sure to endorse the back of your check before your deposit it.
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Payments & Transfers
Transfer to Member
With the Transfer to Member feature, you can send money to any online banking user at Stanford FCU. You can also conveniently link to your Stanford FCU account for deposit purposes only. All you need is the account number, account type, and the first three letters of the last name associated with their online banking.
To Send Money to a Stanford FCU member:
Click on Payments & Transfers then the Transfer to Member tab. 1. Choose whether you will be making a Single Transfer or whether you would like to Link Account for future use. 2. For a Single Transfer , use withdraw funds from. If you wish to include a description to go with your transfer, do so in the provided box. 3. Enter the information for the person you wish to receive the funds. 4. Click Submit . 5. If you would like to link the drop-down to choose the account you wish to
this account for future use. Click Link Account at the first window; fill out the requested information and click Submit .
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Add External Account
Payments & Transfers
In order to transfer funds to an account outside of Stanford FCU, you must first enroll the new external account. This will ensure the ability to make fund transfers to the outside account by integrating it into one, simple location.
To Add External Account:
Click on Payments & Transfers then the Add External Account tab. 1. Enter the Account Number and the financial institution’s Routing Number in the spaces provided. These numbers can be located towards the bottom of a paper check. 2. From the drop-down menu, choose the Account Type . 3. Click Continue . You should then recieve test deposits within 5 business days deposited to the external account to show the process has been initialized. Once you see that you have received these deposits, go to the Verify External Account tab to enter the amounts and activate your external account.
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Verify External Account
Payments & Transfers
Once you have made a request to add an external account, check the history of that account and locate the two “test” deposits that have been made. You will then be asked to provide those amounts which will verify the ability to make transfers and external account.
To Verify External Account:
Click on Payments & Transfers then the Verify External Account tab. 1. Select the radio button for the external account that you would like to verify. 2. Enter the amounts of the test deposits that you see in your external account. 3. Click Continue .
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Payments & Transfers
Send DomesticWire
A recipient is any person or business with whom you may exchange funds. You can send or receive payments from a recipient. After a recipient is created, you can include them in multiple payments or templates simultaneously. Each recipient entry contains the recipients contact and account information.
To Add a Recipient:
Click on the Send Domestic Wires tab. 1. Click the New Template or New Domestic Wire button on the right. If you clicked New Domestic Wire skip to step 3. 2. Enter your Template Name. 3. Click Next . 4. Select your recipient or click Add Recipent .
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Payments & Transfers
Send DomesticWire
6. Enter in Recipient Details, Click the Account- New tab directly to the right of the Recipient Details tab. If you need to add another account for the same Recipient click the Add Account button on the upper right corder of the screen on the right. 7. In the Account - New tab under Accounts Details elect the Account Type then fill in the account field below. 8. Fill out the required information regarding the Beneficiary. Fields marked with an asterist are required. 9. When finished, click Create Recipient. * ACH is not available at this time, please disregard this section.
*
To Send Payments:
1. Select the Recipient that you wish to pay and enter the amount you need to send. You can also include a message to the Beneficiary. 2. Click Next .
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Payments & Transfers
Send DomesticWire
3. Select which account the funds will be taken from. 4. Click Next to continue. 5. Review and Draft or Approve . 6. Please accept a call from Stanford FCU to confirm this wire, if necessary.
Please remember there is a 1pm cut off for wires.
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Send International Wire
Payments & Transfers
Everyone these days are trying to find ways to save time. Stanford now gives you the ability to send an International Wire through your online banking preventing you from visiting a branch. The steps below will explain how to send a wire.
1. You will be brought to this browser when logging into GPFI. You can see messages from SFCU, see a marketing image with a link to the promotion, or obtain a Quick Quote
2. To begin a new order click Create Order . 3. On your blank order page you can either start from Create Beneficiary if you need to create a new one 4. Or type existing beneficiaries into the Search bar.
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Send International Wire
Payments & Transfers
5. Fill in the main details for a new beneficiary and click Next .
6. Enter address details for the beneficiary and click Next .
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Send International Wire
Payments & Transfers
7. Enter IBAN (International Bank Account Number) for the beneficiary, assuming the destination country requires an IBAN. This is only available if the destination country requires an IBAN, otherwise the only options are Search by Bank Detail and Enter Bank Details Manually
8. After you click Search , details are located in our bank records database and auto-populated. Hit Next or you can add a correspondent bank if the beneficiary specifically requested one.
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Send International Wire
Payments & Transfers
9. Enter bank details in order to Search by Bank Details (assuming this is a non-IBAN destination country) and click Search .
10. You will be presented with bank results matching their search criteria. You can click “+” for more details and click Select to choose that specific record.
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Send International Wire
Payments & Transfers
11. After you click Select , details are auto-populated. You will then add the bank account number and click Next .
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12. Choose your Payment Type and Payment Purpose. 13. Click Save & Pay to save the beneficiary and you will land back on the Create Order page or click Save to save the beneficiary and start adding another beneficiary
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Send International Wire
Payments & Transfers
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14. You will review beneficiary details one last time and click Confirm & Pay .
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15. The newly created beneficiary is loaded to the Create Order Page. Enter payment amount as either FX Amount (100 EUR) or Base Amount (100 USD worth of EUR). You can add payment notes in the Notes to the Beneficiary box. You will then click Get Quote .
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Send International Wire
Payments & Transfers
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16. Review amount, exchange rate, fees, etc. and then click Submit to send the order, Edit Order to edit the order, or New Order to start a brand new order
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17. You will be presented with the disclosure. You can email this to youself and accept it, accept it, or decline it (cancels the order)
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Send International Wire
Payments & Transfers
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18. You will receive confirmation that the order is submitted and wait for SFCU to review and approve it. You are done with their order. 19. Please accept a call from Stanford FCU to confirm this wire, if necessary.
1. If you have not created an international wire with SFCU or accessed it in the past 12 months you will need to call us to sign up. 2. There is a 1pm cut off time for wires to be processed.
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Cancel International Wire
Payments & Transfers
You can have peace of mind after sending a wire because you have 30 minutes to cancel after it has been sent.
1. You have 30 minutes to cancel an order that has been fully approved and committed. Click the down arrow on the right hand side and select Cancel Payment .
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Manage International Wire
Payments & Transfers
If you are a person that send several international wires, you can easily manage your wires within the Stanford’s Internation Wire feature.
1. You can navigate to this page to see past orders and their statuses. By clicking on “+” expands that order to show more detail
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Bill Pay
Enrollment
From the Bill Pay tab 1. Select the account you would like to enroll in bill pay. Click Enroll in Bill Pay. 2. Pick a bill you want to pay. 3. Enter your bill info. 4. Enter how much you want to pay and when you want it to post.
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Bill Pay
Enrollment
5. You will be taken to the payment center. 6. Click Add another Category and add more bills to your payment center.
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Bill Pay
Overview
What is more reassuring than being in control of your finances? Staying in control of your bills! Online bill payment with Stanford FCU allows you to stay on top of your monthly finances with the utmost ease and turn-key efficiency whether you are accessing your account from a computer or a smart device. Free yourself from the hassle of writing checks and the clutter that comes with traditional means of paying bills. Having your bills linked to your Stanford FCU account is a quick and easy alternative to paying your bills online at the sites of each individual biller.
The first time that you click the Payments & Transfers tab then Pay Bills, you will be asked to accept the terms and conditions.
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Bill Pay
Overview
Click on the Payment Center to begin managing your bills online. The Payment Center gives you an overview of your payees, pending payments, and bill history regarding your online account with Stanford FCU. Getting Started with Bill Pay:
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Bill Pay
Create a Payee
The person or company to whom you are sending funds is known as the payee. A payee can be almost any company or person you would send a check, like a utility company, a cable TV provider or even a lawn care service. It may be convenient to set up a payee to receive payments on a regular basis.
To Create a Payee:
Click the Payment Center tab. 1. Click the Add a Company or Person.
2. Fill out the require information regard the Company or Person, then click Add . 3. You will get a confirmation screen that your payee has now been created and added to your Payment Center.
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Bill Pay
e-Bills
E-bills are a fast and convenient way to receive your bills each month. If your biller offers an electronic version of your bill, the e-bill icon will be located next to the name within the Payment Center. After activating a biller with e-bills, you will start receiving your bill directly within your Stanford FCU Bill Pay account. No need to shuffle through biller information or access each individual biller’s website to pay your bills– you can get it all right here and never miss a payment!
To Set Up e-Bills for an Existing Biller:
1. Clicking on the icon. 2. After selecting to sign up an existing payee for e-bills, fill in the required fields. When completed, click Submit .
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Bill Pay
Make a Payment
Once you set up your payees, it’s easy to pay our bills quickly. When you click on the Payment Center tab you will see all of the existing payees you have established so far. To pay a bill, simply find your payee and fill out the payment information beside information beside the name.
To Make a Payment:
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Bill Pay
Make a Payment
From the Payment Center tab. 1. Select the payee that you would like to pay. 2. Select the account from which you would like to send a payment. 3. Enter the amount of payment and choose delivery date, click Send Money . 4. After you have verified the information, click Submit Payments . 5. You will get a confirmation screen that your payment has been scheduled.
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Bill Pay
Bill Pay Activity
Here you can quickly see your past 30 days Activity and search up to 24 months.
To View Your Bill Pay Activity:
Select on the Activity tab. 1. You can view Pending, Processed, and Canceled transactions. 2. You can select a date range up to 24 months of activity. 3. You can click on an individual payee to expand more information.
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Edit or Cancel Pending Transactions
Bill Pay
You can see all Pending and Recent Payments listed on the right hand panel.
To Cancel a Pending Transaction:
From the Payment Center tab. 1. You can view Pending or Recent payments listed in the right hand panel. 2. To edit payment information, like amount or date, click on change. 3. To cancel a pending payment, click cancel in the right hand panel. 4. A new screen will appear, Click Cancel Payment, A confirmation screen will show that this action is completed.
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Mobile Bill Pay
Overview
With Mobile Bill Pay, you can now pay your bills on the go. With the easy to navigate interface, you can quickly pay your bills and get back to your day.
New Mobile Bill Pay Features: You can now choose how you view your Bill Pay interface - Grid or List view.
Getting Started with Advanced Mobile Bill Pay: Tap the Payments & Transfer tab then Pay Bills to begin managing your bills. Click the Advanced dropdown to view your payees, pending payments, and bill history regarding your online account with Stanford FCU.
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Mobile Bill Pay
Create a Payee
The person or company to whom you are sending funds is known as the payee. A payee can be almost any company or person you would send a check, like a utility company, a cable TV provider or even a lawn care service. It may be convenient to set up a payee to receive payments on a regular basis.
To Create a Payee:
Click on the Pay Bills tab. 1. Tap the dropdown and choose Add a Payee. 2. Fill out the required information regarding the payee, then tap Save. 3. You will get a confirmation screen that your payee has now been created and added to your payee list.
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Mobile Bill Pay
Make a Manual Payment
Once you set up your payees, it’s easy to pay your bills quickly. When you tap on the Pay Bills tab under Payments & Transfer you will see all of the existing payees you have established so far. To pay a bill, simply find your payee and fill out the payment information beside the name.
To Make a Payment:
Click on the Pay Bills tab. 1. Select the payee that you would like to pay. 2. Click the account from which you would like to send a payment. 3. Enter the amount of payment and the delivery method, tap Next .
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Mobile Bill Pay
Make a Manual Payment
4. Choose the date to complete the transaction. 5. After you have verified the information, tab Send Payment . 6. You will get a confirmation screen that your payment has been scheduled, click Close .
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Mobile Bill Pay
Search
Here you can quickly pay bills by searching payees by name, last payment date, scheduled payment or status.
To Search Your Bill Pay History:
Tap on the Pay Bills tab. 1. You can view Pending or
Processed transactions on the right side panel. 2. In any view, you can search your previous Payees using the Search bar. 3. In List view, you can sort by headers. Simply tap the arrow next to the desired category. 4. In Grid view, to see payment history for a specific Payee, tap See Payment History on the bottom of the grid of the chosen Payee. 5. To access additional screens, tap the Advanced drop-down, and then Visit Bill Pay Site.
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Edit or Cancel Pending Transactions
Mobile Bill Pay
You can see all Pending and Processed transactions listed on the right hand panel.
To Cancel a Pending Transaction:
Click on the Pay Bills tab. 1. You can view only Pending or only Processed transactions by selecting the appropriate button on the right hand panel. 2. You can see the Pending payments marked with a timeclock in green under the Status header. 3. To edit payee information, like address or phone number, tap the pencil icon. 4. To cancel a pending payment, tap the appropriate line item in the right hand panel. 5. A new screen will appear. Click Cancel Payment . You should see a confirmation screen to show that this action is completed.
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Tools & Requests
Stop Payment on Check
Using Online Banking with Stanford FCU, you can initiate a stop check payment request from any device. You can review the status of your request in View Online Activity. Contact Stanford FCU at 888.723.7328 or locally at 650.723.2509 for current fee information.
To Initiate a Stop Payment Request:
Click Tools & Requests then Stop Payment on Check tab. 1. Choose request type; single or multiple checks. 2. Click on each category header on the left to select an account and enter a check number. 3. When entering the check amount, be sure to click Next . 4. Enter the date on the check. 5. When completed, click Send Request .
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Submit a Travel Notification
Tools & Requests
With the Submit a Travel Notification feature you can travel easily without the worry of having your debit card being compromised. Just follow these simple steps to notify us when you plan on traveling. Contact Stanford FCU at 888.723.7328 or locally at 650.723.2509 for current fee information.
Click Tools & Requests then Submit a Travel Notification tab. 1. Enter Contact email and phone. 2. Select your travel destination. 3. Choose your beginning date of travel and your return date. 4. If credit, select card listed that you are traveling with. 5. For debit type in the last 4 digits of the card you will be using. 6. When completed, click Submit .
Remember to list any major cities or stops along the way
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Tools & Requests
Stop or Dispute an ACH
Here you can quickly Stop or Dispute an ACH.
Click Tools & Requests then Stop or Dispute an ACH tab. 1. Select whether you would like to Stop Payment on an ACH or Dispute an ACH Payment. 2. Click Submit .
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Tools & Requests
Card Dispute
With the Card Dispute feature you can easily send a dispute regarding specific transactions.
Click Tools & Requests then Card Dispute tab. 1. Select whether the transaction was fradulent or non-fradulent. 2. Select if the transaction was international. 3. Enter the necessary information. 4. Select if the card was credit or debit. 5. When completed, click Submit .
You will receive a secured mesage in Online Banking from an SFCU employee providing you with the next steps and possible provisional credit.
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Tools & Requests
Balance Transfer
You can use the Balance Transfer feature to quickly transfer the balance of your old credit card to your new one.
Click on Tools & Requests to review Balance Transfer tab. 1. Enter your account number and Financial Institution. 2. Enter your FI’s mailing address who provides the current credit card loan. 3. Select your card type and enter your transfer amount. 4. Click Submit.
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Tools & Requests
Order Checks
With Online Banking, you can conveniently order checks online.
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.
To Order Checks:
Order
Click on the Tools & Requests tab, then Order Checks . 1. Select the accoun t for which you would like to reorder checks. 2. Enter the check number to start the next box of checks. 3. Indicate how many boxes that you would like to order. 4. When finished, click Send Request .
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Tools & Requests
Review Online Activity
Review Online Activity shows transaction activity initiated through Online Banking with Stanford FCU. Depending on the type of account and access, you can review, approve and cancel unprocessed transactions. Whether single or recurring transactions, you can view debits/credits and verify the status, type, amount, account and date of your online activity.
To View Online Transactions:
Click on Tools & Requests to review Review Online Activity tab. 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 Show Filters for additional search options. 4. Click Apply Filters when you are satisfied with your filter criteria. 5. Select Actions to perform additional functions like to Cancel , Inquire to compose a Secure Message to Stanford FCU, Copy a transaction or choose Print Details.
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Tools & Requests Personal Financial Management
Our Personal Financial Management tool from your online banking account. View your investment, mortgage, credit card, account balances, and transactions in one place. Easily create budgets, categorize and track spending habits, as well as tag your transactions to see where and how you spend your money.
Dashboard: You’ll find a quick overview of your financial standing on the dashboard, as well a host of financial tools that you can use to manage your finances. Budget: Track your spending. Add targets that will help you better control
such expenses as shopping or dining out. When you establish spending targets, you can also schedule notifications via a delivery method of your choice when you are near to your budget limit.
Cashflow: View incoming and outgoing transactions on a monthly basis. Goals: Set a personal financial goal and actively set aside money you wish to use towards that goal. Net Worth: Sum up your assets and debts. View pie charts to see how these assets and debts are allocated. Alerts: Add alerts to provide real-time monitoring of your financial situation. Alerts can send emails or text messages to you when certain criteria are met.
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Tools & Requests Add an Authorized or Joint User
With your online banking you can easily add an authorized or a joint user to your credit card.
Click on Tools & Requests then click on Add an Authorized or Joint User tab. 1. Select your user type. 2. Click Submit.
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Tools & Requests
Open Sub-Accounts
With the Open Sub-Accounts feature you can an a sub account at anytime. Follow the steps below to open your own sub account.
Click on Tools & Requests then click on Open Sub-Accounts tab. 1. Select the account and share type.
2. Select the funding account. 3. Enter the funding amount. 4. Select I Accept the Terms and Conditions and click Continue. 5. Review the information below and click Submit. 6. You receive a confirmation that your sub account has sucessfully been open.
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Tools & Requests
Desktop RDC Enrollment
Once enrolled in RDC, you can check balances, review account history and transfer funds from your Online Banking account using any device with a camera and internet capabilities.
Select Check Deposit 1. Click Start a new deposit.
2. Carefully read Stanford Credit Union’s Online Banking Check Deposit Services Agreement and click Accept .
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Tools & Requests
Statements
The e-Statements feature is a great virtual filing system, saving paper and space in your home or office by allowing you to view and download your statements electronically.
To View Your Statements:
Click on View Statements tab . 1. Click on Account Statements Link, your electonic statement will be displayed on the screen. 2. You can also view past statement by selecting from a list of past statements at the top right corner of the screen. 3. You can download the statement into a CSV format or print and archive it.
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Profile & Settings
Account Preferences
In Account Preferences you can select name and viewing preferences for your Online Banking accounts.
To Set Up or Change Your Viewing Preferences:
Click on the Profile & Settings then the Account Preferences tab. 1. Customize nicknames for your accounts. 2. Change the display order of accounts on the home page by entering a number on the right side of the nickname. 3. When you are happy with your choices, click Submit .
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Profile & 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: Click on the Profile and Settings then the Security Preferences tab, 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 that 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.
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Security Preferences- Touch ID
Profile & Settings
On your iOS device, click on Security Preferences. 1. Slide Touch ID to the On position. 2. Read the details about the Touch ID feature and click Continue . 3. Enter your Login ID and Password and click Continue .
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Security Preferences- Touch ID
Profile & Settings
4. Enable Touch Authentication on your iOS device. 5. Authenticate your login in the Stanford Federal Credit Union app.
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Profile & Settings
Alerts
You can create and manage alerts to remind you of important dates, warn you about the status of your accounts, and 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, and Security Alerts Preferences.
• Secure Message within Online Banking • Email • Phone Call • SMS Text Message
To Set Up new Alerts:
Click on the Alerts tab. 1. To create a new alert, click the New Alert drop-down button. Choose the kind of alert that you wish to create from the drop-down. A new screen will appear where you can enter the necessary information. Be sure to click Submit when finished. 2. To view the alerts for each category, click the the category header. 3. You can easily toggle an alert On/Off without deleting the alert by toggling the Enabled button. 4. To view or change details of an already-existing alert, choose the Edit link on the right end of the alert you would like to edit. Be sure to click Save after you change any alert details.
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