FAQ Categories

Mobile Banking

External Transfers

Snap Deposit

Overdraw vs. Overdraft

SavvyMoney

Bill Pay

Borrow General

Home Equity

Personal Loan

Account Alerts

Savings Account

Checking

IRA

Helpful Auto Tips

Debit / Credit Card Operation

Money Manager

Apple Pay

Samsung

eDocuments

Gift & Reloadable Cards

Share Secured

Secure Chat

Card Control

Questions & Answers

Mobile Banking

How do I download the app?

The Healthcare Systems FCU Mobile Banking app is available on either the App Store℠ or Google Play™.

back to top

Do I need a username and password to log into mobile banking?

Yes. You must use the same username and password that you use for online banking. NOTE: Any member interested in using mobile banking must be enrolled in online banking in order to access Healthcare Systems Federal Credit Union’s mobile banking app.

back to top

What if I forgot my username or password?

To retrieve your username or reset your password, visit our homepage and click on Member Login.
 
Click on Forgot Username/Password in the Login box, and follow the prompts.
 
 
Your password reset email will arrive within 3 minutes to your email address on file with Healthcare Systems FCU.

 

Follow the password reset instructions in the email. Be sure to check your spam folder if you do not see an e-mail from us.

back to top

How many incorrect login attempts will lock my Mobile App? How do I unlock my account?

We'll lock your Mobile app access after your fourth invalid login attempt. This will lock you out of both Mobile and Online Banking.
 
To reset your password, go to the homepage and click on Member Login and then click Forgot Password, and follow the prompts to reset your password.

back to top

How do I access Snap Deposit?

Download our Healthcare Systems FCU Mobile Banking App from the App Store (iPhone) or  Google Play (Android).

Search for Healthcare Systems FCU.

 

back to top

What are Account Nicknames?

Account Nicknames are an optional way to label your accounts. Nicknaming your loan, savings and certificate accounts is a great way to differentiate them within Online and Mobile Banking. The account nicknames you may have for your different accounts are displayed, rather than your actual account numbers

back to top

Can I see my balances without logging into the Mobile App?

Yes!  Quick Balances, is a secure feature that displays your account balances and (5) five most recent transactions without the hassle of logging in.  Learn More

back to top

How can I further protect my account information

- Use the screen locking feature of your mobile device.
- Never save your account number on your mobile device.
- Always use the Logout feature of the mobile app.
- Request a password change if your mobile device is lost or stolen

back to top

Is Secure Chat live?

No, not quite. Secure Chat allows you to send a message and log out, without closing the conversation. This allows you to check it at your convenience, on either the Mobile App or within Online Banking.

back to top

External Transfers

What is an external transfer?

External Transfer is a money movement tool that allows you to transfer funds between your Healthcare Systems FCU account and your account at another financial institution.

Before you can make an external transfer, you must verify your account with the other financial institution. This is a one-time process that must be completed for each external account you wish to use.

back to top

Why do I have to verify my account?

We use the verification process to help protect your account and ensure transfers are legitimate. This verification process is a safeguard to make sure that only you can add accounts, prior to your first transfer.

back to top

How does the external account verification process work?

After the initial set-up of your external account, Healthcare Systems Federal Credit Union will make three small deposits to your other account within 3 business days.

Once you know the amount of the deposits sent to the account you are adding, just login to your account, then select "External Transfer" and click on "Verify".

Enter the three deposit amounts, once entered correctly, your external account is active.

back to top

How long does it take to complete an external transfer?

An external transfer will normally take one to three business days to complete.

 

back to top

Snap Deposit

I downloaded the App, but it's asking me for an username number and password. What do I do?

The username  and password used to log in to the Mobile Banking App is the same username and password used to log in to Online Banking. If you're not yet enrolled in Online Banking, enroll quickly and easily today at https://healthcaresystems.ns3web.org/log/in

 

back to top

What is the best way for me to take a picture of my check?

Please read the following tips to make sure your check deposit transaction is as smooth as possible:

  • Place the check on a flat well-lit surface that contrasts with the check color  (if your check is white, take the picture on a black table).
  • Take each picture from directly above the check and not at an angle.  Rotate your device to landscape mode when taking the picture.
  • Take each picture as close as possible, while ensuring that all four corners of the check are visible in the frame.
  • Make sure each picture is properly focused and not blurry.
  • Make sure your camera resolution is set to at least 1024 x 768.

back to top

Do I need to retain my check after I deposit it?

Yes, please keep your check for 14 days after the date of deposit.

back to top

I took photos of my checks, but when I log into the App, I don't see the pictures. Where did they go?

Only photos taken within the Snap Deposit App can be used for deposits. After you log into the App, choose the deposit account and enter the deposit amount, you will be prompted to use the camera on your device to take a photo of the front and back of the check. Photos taken outside of the App cannot be used for deposits.

back to top

If I have questions‚ where can I go to receive help?

Within the Snap Deposit App, select "Help” or "?” and you will be taken to our Snap Deposit Help Page.

You can also communicate securely with us via Online Banking or Mobile Banking by logging in and selecting the Secure Chat Tab, then clicking on Send Us a Message.  You can also give us a call at (703) 776-2700.

back to top

Overdraw vs. Overdraft

What does Overdrawing my account mean?

Overdrawing is a feature in which your checking account balance is allowed to go below zero.  For example, you have a $40 balance in your account and use your debit card to buy a $70 pair of shoes. The transaction is processed, and your account balance is now -$30.

back to top

What is Overdraft Protection

Overdraft protection is a service to account holders who choose to allow overdrawing. We have 3 overdraft protection options available. 

Types of Overdraft Protection Options

  1. Share Saving Transfer which transfers funds from your Savings Account to cover debit card and check overdrafts.
  2. Overdraft Line of Credit which offers flexibility and convenience by automatically advancing funds into your checking account before incurring any fees.  You can also transfer money from your Overdraft Line of Credit whenever you need quick access to funds.
  3. “Overdraft Protection or ODP” which will pay an overdrawn amount for you with the understanding that you will pay them back within 30 days.   In this case, the full amount you are overdrawn is transferred out of your checking account the next time a deposit is made.  There is a $30 fee per item.

 

One of the best ways to prevent overdrawing or bouncing checks is to monitor your account balance with:

    Account Alerts; Emails or Texts that automatically notify you if your checking account balance falls below a specified amount.

back to top

What is an Overdraft?

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

back to top

SavvyMoney

What is SavvyMoney?

SavvyMoney is the best credit score information service out there if you’re looking to crack the code of credit ratings or learn how the information on your credit reports translates into a score. SavvyMoney will help you cut through the clutter of opinions and sales pitches to get to the facts of how you can use your credit to accomplish your life goals.

back to top

Does using SavvyMoney hurt my credit score?

Utilizing the services or products offered by SavvyMoney will never directly impact your credit score. When SavvyMoney accesses your credit file information, it results in a “soft inquiry” that doesn’t alter your score in any way.

back to top

Is it really FREE?

There is no cost whatsoever for the SavvyMoney credit score services or products provided to you by the Healthcare Systems Federal Credit Union.

back to top

Will you honor my SavvyMoney Score for loan applications?

Absolutely. While your SavvyMoney credit score may differ from the scores we get from the credit bureaus, we always provide you with the best offer we can. If your SavvyMoney score is different than the score we have, simply print out your score and let us know.  We will review your information and determine if there is a better offer we can provide you.

back to top

How can SavvyMoney benefit me?

  • A free credit score every month
  • Personalized analysis of each component of your score
  • Clear, simple explanations of factors impacting your score
  • Videos and daily articles from personal finance expert Jean Chatzky

back to top

Bill Pay

What is bill pay?

Online Bill Pay Service is secure, fast and convenient and let’s you make payments online to virtually anyone, anytime, anywhere!

  • Easy payment setup: Setup single payments or recurring payments, such as utility bills, mortgage, rent and car payments.
  • Payment tracking: View pending payments, most recent payments paid, and any bill reminders you've established.

Bill Pay is available through Online Banking and our Mobile Banking app for Apple® and Android powered devices.

back to top

Will I have a separate password for bill pay?

No, once you have logged into Mobile or Online Banking you will be able to access your bill pay account.

back to top

How are payments delivered to Billers?

Billers are businesses or individuals to whom you are making a payment. Payments you make through Bill Pay are delivered in two ways:

  • Most payments are delivered electronically. Payees who are paid in this way receive your payment information, including your account number, through secure electronic transmission.
  • All other payments are made by a paper check that is issued and mailed to the payee.

back to top

How are payments deducted from my account, and when?

Payments you make through Bill Pay are deducted in two ways:

  • Most payments are delivered electronically.  Payments sent electronically will be deducted on the payment due date indicated in Bill Pay.
  • A Direct Check which will be drawn on your checking account. Funds are withdrawn from your account when the Laser draft check is presented for payment by the payee’s financial institution.

For this reason, it is important you remember and/or keep a record of your payment in a checkbook or financial software. The payment will not be deducted from your available balance until the funds are actually withdrawn.

*In all of the above scenarios, the funds are withdrawn on or after the due date you select. This means that you can schedule payments in advance without fear of them being prematurely deducted, but you should plan to have funds in the account on the date you indicated the payment as due.

back to top

How do I stop or cancel a payment?

Once you have scheduled a payment, there are two statuses that will show in the Payment Center screen of bill pay: Pending or Processing.

  • If a payment is “Pending” you may click to “Change” the date or the amount or “Cancel” the payment altogether.
  • If the payment is “Processing,” you will not be able to make changes without contacting us at 703-776-2700.

back to top

What’s an eBill?

If you’re not currently paying bills online, you probably receive all of your bills in your mailbox at home.  Many companies you do business with offer you the ability to receive their bill online at their website or through your credit union.  If you can receive the bill electronically, then it is an eBill.

back to top

How do I pay an eBill?

eBills are delivered to the websites of companies who you do business with. This could be your credit union, or any company that sends you bills (cable, phone, power, credit card and so on). You’ll find all the same information you’re used to seeing in your paper bills.

Then, when you’re ready to pay, all you need to do is choose the amount, schedule the date you want the bill paid and click to pay.

 

back to top

I already automatically deduct some payments from my bank account. Is that the same thing as an eBill?

No, that’s an automatic debit. A car loan payment you’ve authorized your bank to deduct from your account each month is an example. Paying your bills online is sort of like an automatic debit, only better, because you maintain control — you decide when to make a payment and you specify the payment amount. If you want to set up a recurring bill to be paid automatically every month so you can save time, you can — with online bill payment, the choice is yours.

back to top

Borrow General

What does APR mean?

APR stands for Annual Percentage Rate. APR is a common term that helps you compare rates (apples-to-apples) when looking around for a loan. It includes total interest and fees that are charged each year on a loan.

back to top

What is does a FICO Score mean?

Determined by the Fair Isaac Corporation, your FICO score is the most common type of credit score and is measured on a scale between 300 and 850. Lenders use your FICO score to determine if they will lend to you and, if so, with what kind of terms. The higher your score, the better your credit.   Another way to think of it is the higher your score, the lower your rate.

back to top

What does DTI mean?

DTI means Debt-to-Income ratio. DTI measures your total outstanding debt to your annual income. Lenders use your DTI to determine your ability to pay back a loan. The lower your DTI, the better your loan terms.

back to top

What does collateral mean?

Collateral means something of value used to secure a loan. In the case of a home loan, the collateral is your house.  In the care of an auto loan, the collateral is your car.   Collateralized Loans are often referred to as Secured Loans.

back to top

Why do my credit scores differ?

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models.  Over 150 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is identical.  No matter what credit bureau or credit scoring model is used, consumers do generally fall into specific credit ranges:

Excellent 781–850      Good 661-780      Fair 601-660 

Unfavorable 501-600             Bad Below 500

back to top

Home Equity

What does LTV (Loan-to-Value) mean?

LTV or Loan-to-Value or is the amount of money you’re borrowing as a percentage of your home’s value.  To calculate the LTV on your home; divide your mortgage balance by the appraised value of your home.

back to top

Personal Loan

When is a personal loan right for me?

If you have a high-interest credit card racking up debt and want to move this amount to a fixed rate loan with a defined payoff period, consider a personal loan.

Any large purchase or event —such as a wedding or vacation—qualifies, if you would end up charging it on your credit card without being able to pay them off within a month.

 

back to top

How do I select which debts to consolidate?

You need to find out the interest rate on your credit cards.  Once you have determined the rates on your credit card debt, you generally want to select the credit cards with the highest rates and pay those cards off. 

Another factor to help you determine which credit card balances to consolidate is that you want to keep your credit utilization ratio at about 30% for all lines of credit.  In other words if you have a credit card with a $10,000 credit limit you want to keep the balance below $3,000. So if you can pay off multiple credit cards and achieve a 0% utilization ratio that will generally help your credit score.

back to top

Account Alerts

How many account alerts can I sign up for?

There is absolutely no limit to the number of account alerts you can sign up for. You can sign up for multiple types of account alerts as well as sign up multiple times for each type of account alert.

For example, you can set up a Minimum Balance Account Alert to be notified when your checking account balance drops below $200.00.  You can then set another Minimum Balance Account Alert to be notified if your savings account drops below $50.00.

back to top

Why aren't all the account alerts available to me?

The account alerts that are available to you depend on the types of accounts you have. For example, if you do not have a loan, then the Loan Payment Due Account Alert will not be available.

back to top

How do I change my account alerts?

Log in to Online Banking, under the Account Services Tab, select Account Alerts to update your selections.

back to top

Are account alerts safe to use?

Yes.  Account alerts are safe and do not include any confidential information your accounts. The account nicknames you may have for your different accounts are displayed, rather than your actual account numbers.  If you haven’t selected a have a nickname for your account, then the name (i.e. Checking) and suffix number (i.e. 5) are displayed in the alert.

back to top

Savings Account

How does Reg. D affect me and my Savings Account?

In any given month, you are limited to no more than six (6) preauthorized, automatic, electronic or telephone transfers from a savings account governed by Regulation D.  If you exceed these limitations, your transaction may be refused or reversed, and your account may be subject to a fee.

back to top

What is Regulation D (Reg. D)

Reg. D is a federal regulation that applies to all financial institutions. You are allowed up to six (6) preauthorized or electronic withdrawals/transfers from all types of savings accounts (which are considered to be non-transaction accounts) each calendar month.

back to top

Which accounts at Healthcare Systems FCU are considered non-transaction accounts?

Non-Transaction Accounts include all Savings accounts, Club (Vacation and Holiday) accounts.  Collectively these accounts are referred to as “Savings Account” in this FAQ.

back to top

What transactions are subject to Reg. D limitations?

Preauthorized or automatic electronic withdrawals such as phone and utility bills. Also, transactions done using Online Banking or Mobile App and phone transfers using e-Phone, fax, or by calling our Contact Center. This applies when funds are coming from or being sent to a Savings Account.

Applies whether:

  • The funds are being transferred to another account.
  • The funds are being sent to a third party via preauthorization, Bill Pay, or wire transfer.
  • The funds are being automatically transferred from a savings account to a checking account to cover an overdraft.
  • The funds are a scheduled transfer that was set-up by account holder in home banking.

back to top

What type of transactions are not considered Reg. D Transactions?

  • Any Checking Account transaction  
  • Transactions from an account type noted above that are completed in-person at an Healthcare Systems FCU branch or Shared Service Center
  • Transactions made using an ATM
  • Transfers from an account type noted above that are being applied to an Healthcare Systems FCU loan account or MasterCard
  • Automatic payroll allocations
  • Transactions completed by mail or branch drop box

back to top

What can I do to make sure that I do not exceed the Reg. D limit?

We make it easy for you to avoid the Reg. D limit by;

  • Open a FREE Healthcare Systems FCU Checking Account. Checking accounts are not subject to Reg. D restrictions.
  • Have preauthorized payments (such as phone & utility bills) automatically deducted from a checking account, not a savings account.
  • Make one large transfer to your checking account to cover anticipated usage, instead of making many small transfers throughout the month.
  • Visit a branch or ATM location to make withdrawals or transfers.
  • Balance your checking account to avoid overdraft transfers from your savings account.
  • Apply for a Healthcare Systems FCU Line of Credit to use as overdraft protection.

back to top

What happens when the Reg. D Limit is reached in a calendar month?

Once you have reached the six (6) allowable transactions in a calendar month, you may not be allowed to make further transfers/withdrawals from the affected account unless they are made in person at a Healthcare Systems FCU branch location, Shared Service Center or at an ATM.  If you exceed these limitations, your transaction may be refused or reversed, and your account may be subject to a fee.

back to top

How much are my accounts insured for?

Your funds at Healthcare Systems FCU are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), a division of the National Credit Union Administration (NCUA).  Individual Retirement Accounts (IRA) are insured separately up to $250,000.

back to top

Checking

What is the credit union's Routing Number?

Healthcare System FCU's routing number is 256078543.

back to top

How do I setup Direct Deposit to my account?

To set up direct deposit to your Credit Union account, simply provide your payroll department with the Credit Union’s routing number (256078543) and your 10-digit Direct Deposit/MICR Number.

back to top

What is my Checking Account Number?

Your 10-digit Checking Account Number can be found by logging into Online Banking and selecting the deposit account for which you would like the information. Simply:

  1. Log in to Online Banking.
  2. Select your Checking Account .
  3. The routing number and Checking Account Number will appear at the top in the Account Details section.

 

Your 10-digit Checking Account can also be found on the bottom of your checks. You will see a series of numbers separated by colons (:) or other symbols. Your Checking Account Number is the series of numbers in the middle (see bold below).

                           Example: 256078543 : 01234567890: 0000

back to top

IRA

What is an IRA?

An IRA is an individual retirement account. It is a personal savings plan that allows you to set aside money for retirement with tax advantages.

There are two primary types of IRAs: Traditional and Roth. Depending on which one you choose, you may be able to deduct some or all of your contributions. You also may be eligible for a tax credit equal to a percentage of your contribution.

back to top

How much can I contribute to my IRA?

You can contribute up to $5,500 for 2018 to an IRA, provided you earn at least that amount in compensation. If you are age 50 and older before the end of the year, you can make an additional $1,000 catch-up contribution, for a total of $6,500 for 2018.

Keep in mind that your annual contributions cannot exceed your annual compensation. In addition, any contributions you make to one IRA type (Traditional and Roth IRAs) will reduce contributions you can make to another type of IRA. In other words, for 2018 you can contribute a combined total of up to $5,500 ($6,500 with catch-up) to both Traditional and Roth IRAs.

back to top

Can I roll over my 401k assets from my previous employer to my IRA?

When you’ve left your employer, you have the option of directly rolling over some or all of the eligible distribution from your retirement plan to an IRA. Doing so allows you to keep accumulating tax-advantaged savings.

Before deciding, make sure you review your previous 401k plan’s investments, fees, services, withdrawal restrictions, and distribution options. Then compare your existing plan with an IRA and your new employer’s retirement plan, if you have one.

back to top

What is the primary difference between a transfer and a rollover?

In the case of a transfer, an individual’s IRA assets generally are transferred directly from one financial organization to another. Because IRA assets are not paid to you, transfers are not reported to the IRS.

With a rollover, on the other hand, IRA assets generally are paid to you and then you must redeposit the assets into an IRA within 60 days to avoid taxation. Because assets are distributed to you, financial organizations must report rollovers to the IRS and you must report the rollover to the IRS on your federal income tax return, even though a completed rollover is a nontaxable event.

back to top

How long do individuals have to complete a rollover contribution?

You generally have 60 days beginning with the day after you receive an IRA distribution to roll it over and avoid taxation. Certain exceptions apply, see your tax advisor for additional information.

back to top

Are IRA distributions taken before age 59 ½ subject to additional tax?

IRA distributions generally are subject to income tax, and a 10 percent early distribution penalty tax applies if the IRA assets are distributed before the IRA owner turns age 59½, unless a penalty tax exception applies. IRA assets that represent after-tax dollars (e.g., nondeductible Traditional IRA contributions, Roth IRA contributions) are not taxed when distributed because these assets have already been taxed. Tax laws provide several exceptions to the federal penalty tax.

back to top

What is the difference between Individual Retirement Account and the retirement account (i.e., 401k) provided by my employer?

An IRA account at the credit union is an insured tax shelter. You can make deposits or withdrawals and have them insured up to $250,000. The rate of return on IRAs Healthcare Systems FCU is disclosed based upon the options (Savings or Share Certificate); there are no administrative or plan fees with our IRAs.  Check out our Retirement Central Site to learn more.

Your employer or plan provider would be the best source of information on what they offer.

back to top

Helpful Auto Tips

How much is your new car really going to cost?

Between the price of the vehicle, insurance, taxes, registration, gas, financing costs, and maintenance, a car can be a necessary but costly purchase.

According to Zebra, the average annual car insurance premium, in Virginia, is $901, and in Maryland, it is $1,240, in Washington, DC, it is $1,331.

According to AAA, during 2019, fuel cost 11.5 cents, and maintenance and repairs cost 8.9 cents per mile.

Sales Tax – Virginia charges 4% of the gross sales price, Washington, DC, and Maryland charge 6%.

License, Registration, and Title fees vary by state.

In general, you’ll want to minimize your total finance costs by getting the shortest loan term you can afford. Consider a late-model, gently used vehicle. New cars lose around 20% of their value the moment they leave the lot, so you can save big if you look for a year or two old car. Your insurance costs could be less, too.

back to top

How often do the rates change for car loans?

Auto Loans vary by lender, but generally, as the Federal Reserve (the Fed) cuts (lowers) rates, auto loan rates will decline as well.  The inverse is also true, so if you hear the Fed is raising rates, you can expect auto rates to increase as well.

back to top

Why is getting preapproved for an auto loan so important?

A Preapproval with an Auto Express Check puts you in the driver's seat, bypassing the monthly payment game with the salesperson. If you negotiate based on a monthly payment, it’s easy to lose sight of the car's real price.

You can negotiate the best price on the auto and stable value for your trade-in, with the dealer rather than concentrate on a monthly payment, which can easily be adjusted in the dealer's favor.

back to top

Debit / Credit Card Operation

When will I get my new card?

A debit or credit card for a new account should arrive via USPS in 5-7 business days.

For expiring cards, you will receive your new card after the 15th of the expiration month.   Example:  If your card expires in July 2020, you can expect the card to arrive around July 19th.

back to top

Money Manager

What is Money Manager?

My Money Manager is a personal financial management service that securely combines, organizes and tracks all of your financial information. With it you can automatically track expenses, create "bubble" budgets, set goals and plan for the future.

back to top

Who can use Money Manager?

Money Manager is a free service for Healthcare Systems FCU Mobile and Online Banking users. If you are not a member, click here to join us.  You may also reach us at 703-776-2700.

back to top

Is Money Manager secure?

Yes. Using  Money Manager is safe. All data is transmitted over Secure Sockets Layer (SSL) with a VeriSign Class 3 Extended Validation SSL Certificate.

back to top

Is Money Manager difficult to set up and use?

No. Setting up your Money Manager account is easy. Simply log in to Mobile or Online Banking, click the Account Services link at the top of the page, select Money Manager

Your first time usually takes 5-10 minutes to fully complete the process. Once inside Money Manager, you'll find built-in tutorials, videos and a knowledge bank to help you set up and manage your accounts.

back to top

What if I need help?

Money Manager includes built-in tutorials, videos and a knowledge bank that helps you answer the most common questions. If you do not find the solution there, you can contact online support by clicking the ? icon in the upper right corner of Money Manager. Or you can send us a Secure Chat Message in Mobile or Online Banking.

back to top

How does Money Manager get my transaction history?

Money Manager connects to other institutions through a secured connection by using your user ID and password to collect your financial transactions.  Money Manager then automatically creates a budget using the transaction codes to categorize each transaction.

back to top

How does Money Manager get my transaction history?

Money Manager connects to other institutions through a secured connection by using your user ID and password to collect your financial transactions.  Money Manager then automatically creates a budget using the transaction codes to categorize each transaction.

back to top

Apple Pay

How do I add my cards to Apple Pay?

For device-specific instructions, please visit the Apple Pay page on the Apple website at apple.com/apple-pay. Click on the "Learn how to set up Apple Pay" link.

back to top

Where can I use Apple Pay?

You can use Apple Pay in restaurants, grocery stores, any stores that accept contactless payments. You can also Apple Pay in all kinds of apps, and on the web using Safari. Using the latest iOS or Watch OS, you can also send and receive money in Messages.

back to top

Is Apple Pay safe?

Yes. Your Healthcare Systems Federal card number isn't stored on your phone or given to the vendor. A specific code is created for your device; the cashiers never see your personal information.

back to top

I am trying to load my debit and/or credit card into Apple Pay and am being prompted to contact the credit union to verify my card. Why is this happening?

There are various reasons why you may be asked to contact the Credit Union to verify your account. Please contact us at 1-800-250-9676 if you receive a message to verify your account.  This additional verification step is for your protection to ensure that your card is not being added to Apple Pay without your consent or knowledge.  As part of the verification process, you may be asked to confirm recent account activity.

The most common example is a mismatch between the address registered in your iTunes account and the billing address associated with your card(s).

back to top

Which credit union cards can I use with Apple Pay?

You can use both your credit and debit cards with Apple Pay.

back to top

What do I need to get started with Apple Pay?

  • iPhone® SE, iPhone 6 and later ®
  • iPad® (5th or 6th generation), iPad Pro®, iPad Air® 2, iPad Mini® 3 and later 
  • Apple Watch® (1st generation or Series 1-4)
  • Mac models with Touch ID, or Mac models 2012 or later with an Apple-Pay enabled iPhone or Apple Watch
  • The latest version of iOS, watchOS or macOS
  • Face ID or Touch ID on your device
  • An Apple ID signed in to iCloud

back to top

Samsung

What is Samsung Pay?

Samsung Pay is a safe and simple way to make mobile payments with select Samsung Galaxy devices, and it works at almost any retailer where you can swipe or tap your card.

back to top

eDocuments

What types of eDocuments can I access online?

We currently offer the following eDocuments:

  • Account Statements   (eStatements)
  • Account Notices         (eNotices)

Tax Documents

  • 1099INT - Interest Income
  • 1098 - Mortgage Interest Statement

back to top

What is an eNotice?

An eNotice is an electronic copy of a traditionally mailed notice, but instead is made available through Mobile or Online Banking. When you sign up to receive eStatements and eNotices, you will no longer receive a paper statement or notice in the mail. You must provide an email address to receive notifications.

back to top

What is an eStatement?

An eStatement is an electronic copy of your monthly account statement available through Mobile or Online Banking. When you sign up to receive eStatements and eNotices, you will no longer receive a paper statement or notice in the mail.  An email address is required to sign up for these free services.

back to top

How do I sign up?

If you are already receiving eStatements user, you don't have to do a thing. Your eStatement enrollment automatically enrolled you for eNotices.

To enroll in eStatements and eNotices, log-in to Digital Banking, select Account Services, and click on eStatements to complete a brief enrollment form.

 

back to top

Do I need special software to view eNotices and eStatements?

Adobe Acrobat Reader is needed to view your eNotices. You can download the software for free at http://get.adobe.com/reader/

You may view them online, print, or download them to your computer or smartphone.

back to top

Are eNotices and eStatements emailed to me?

No, for security reasons, we do not email you the actual statements or notices. Instead, you will receive an email message notifying you when your eStatement is available and/or you have a notice ready for viewing in Mobile or Online Banking.

back to top

Gift & Reloadable Cards

How do I activate my gift card?

You can call 866-902-6082 or Click Here.  If you are experiencing difficulty, please contact us by calling 866-902-6082.

back to top

How do I view my Gift Card balance and transactions?

View balances and transaction history, report lost or stolen cards, or handle fraud/dispute questions at www.HealthcareFCU.org or by calling 1-866-902-6082.

back to top

Where can I purchase one?

VISA Gift Cards are available for purchase at all Healthcare Systems FCU locations for a $4.95 fee per gift card.

back to top

Share Secured

What is a share secured loan?

A Share secured loan is a way for you to borrow, using your own savings as the collateral. Instead of using all your savings to make a purchase and reduce your emergency savings, you can borrow against your savings while the money stays in your account.

back to top

How does a Share Secured Loan work?

With a share secured loan, we’ll place a hold on your savings or certificate for the amount you want to borrow. You can borrow up to 100% of your entire savings or certificate balance.

For example, if you borrowed $3,000 from your Savings account, this amount would be “frozen” from use.

However as you make payments, the funds in your will savings account will be made available to you.

back to top

Secure Chat

What hours is Secure Chat available?

Secure Chat conversations with support staff can be initiated at any time, 24/7. However staff will only respond during business hours:

Monday - Thursday, 7:30 am – 5 pm
Friday, 7:30 am – 7 pm

back to top

Is Secure Chat live?

No, not quite. Secure Chat allows you to send a message and log out, without closing the conversation. This allows you to check it at your convenience, on either the Mobile App or within Online Banking.

back to top

Card Control

What can I do using this app?

With My Healthcare Systems FCU Card Control App, you save time and gain peace of mind having access in the moments that really matter - instantly lock or unlock your cards, make a payment, receive real-time usage notifications, report a lost card, set a travel note, create spending limits, and initiating a dispute.

 

back to top

What do I need to enroll my card(s)?

You need the 16-digit card number(s) you want to manage using this app, the primary cardholder's personal and contact information to set up a profile and enroll.

back to top

If I've enabled alerts how will I receive my notifications?

Alerts, when enabled, will be sent as SMS text messages to the phone number that is in on your profile. If you enable alerts, please make sure a valid phone number that can receive text messages has been added to your profile. You may receive your alerts at the email address that is on your profile if the service that delivers text messages is temporarily unavailable.

back to top

Can't find what you are looking for?

Click here to ask your own question.