Heritage iCliq Online Banking - Hudson Heritage Federal Credit Union
Heritage iCliq Online Banking - Hudson Heritage Federal Credit Union
Heritage iCliq Online Banking - Hudson Heritage Federal Credit Union
You also want an ePaper? Increase the reach of your titles
YUMPU automatically turns print PDFs into web optimized ePapers that Google loves.
<strong>Heritage</strong> <strong>iCliq</strong> - <strong>Online</strong> <strong>Banking</strong><br />
<strong>Heritage</strong> <strong>iCliq</strong><br />
The online banking system that lets you<br />
access your accounts and pay bills<br />
from your computer, smartphone or tablet...<br />
anytime... anywhere.<br />
It’s the ultimate in convenience!
<strong>Banking</strong> with <strong>Hudson</strong> <strong>Heritage</strong> has never been more convenient!<br />
<strong>Heritage</strong> <strong>iCliq</strong> lets you manage your accounts, pay bills, transfer funds and more, including:<br />
• Access account information.<br />
• Transfer funds between your checking<br />
and savings accounts.<br />
• Create your own unique login! After your initial log in, you<br />
can customize your own <strong>Heritage</strong> <strong>iCliq</strong> ID. See inside for<br />
more details.<br />
• Review your entire account history! With a single click, you<br />
can pull up your account history.<br />
• Keep your budget on track with <strong>Heritage</strong> iMgmt<br />
— your personal financial management tools! Track all your<br />
expenses to see where you’re spending and saving.<br />
• Pay bills through <strong>Heritage</strong> iPay! It’s an easy, secure<br />
and convenient way to pay your bills without ever having to write<br />
a check.<br />
• Customize your Home Page! You can customize your<br />
online banking Home Page by adding, removing and sorting<br />
“widgets.” Multiple widgets display on this page to allow you<br />
to set up a dashboard-style view of your online banking. See the<br />
accounts you want to see and the pertinent information all on a<br />
single screen.<br />
At the top of the page, simply click on the “Configure This<br />
Page” link. Drag and drop or use the “+” to add widgets to your<br />
view or “-” to remove them. You can also drag and drop the order<br />
in which they will appear.<br />
Using Widgets<br />
To modify a widget’s settings, click the “gear” icon on the top<br />
of the screen. To remove a widget, click the red X. To go to a<br />
widget’s full details, click the green arrow.<br />
• Activate, block or re-order your debit card.<br />
See inside for details on how to:<br />
• Log in<br />
• View transactions<br />
• Transfer funds<br />
• Sign up for e-Statements<br />
• Stop payments<br />
• Download transactions<br />
• And more....<br />
Take a test drive<br />
of <strong>Heritage</strong> <strong>iCliq</strong> at our website:<br />
www.HHFCU.org
Log in to <strong>Online</strong> <strong>Banking</strong>:<br />
Account Access and Security<br />
It’s quick and easy to set up your <strong>Heritage</strong> <strong>iCliq</strong> online<br />
banking account:<br />
• Click on the button on the top of our website’s Home Page<br />
“<strong>Heritage</strong> <strong>iCliq</strong>.”<br />
• To begin, go to the top of your screen and click on “Sign up for<br />
<strong>Heritage</strong> <strong>iCliq</strong>!”<br />
• Next you need to read and click to approve the Agreement.<br />
• To set up your account:<br />
- You will be asked for your <strong>iCliq</strong> ID. For your initial visit, this will<br />
be your Member Number. You will then be asked for your Social<br />
Security Number as well as your email address.<br />
- Next, you will be prompted to set up your <strong>iCliq</strong> ID. This must be<br />
between 6 and 12 characters and begin with a letter. Tip: Use a phrase<br />
that you will remember but others will not know.<br />
- You will receive a temporary password. Please save this password<br />
as you will need it the first time you login. After your first login, you<br />
will be prompted to set up your own password which must be 6 to 10<br />
characters. Please see “Important Security Information” in this<br />
brochure for tips on setting strong passwords.<br />
- You will then be asked to establish your Watermark Security Image<br />
and set up your Personal Verification Questions.*<br />
* Please choose answers that you will remember. Incorrectly answering<br />
questions can lead to your account access being disabled.<br />
Sign up for and View e-Statements:<br />
E-Statements is a safe, convenient, free, and “green” option that<br />
allows you to view, download and print your account statements from<br />
our secure online banking platform. Once enrolled, to view your<br />
e-Statements, simply click on the “e-Statement” tab.<br />
To start receiving e-Statements, login to <strong>Heritage</strong> <strong>iCliq</strong> and click on the<br />
“e-Statement” tab and follow the prompts.<br />
You will receive an email notifying you each month when your new<br />
e-Statement is available.<br />
Stop Payments:<br />
The “Stop Payments” tab allows you to stop payment on an<br />
unpaid check or range of checks. You can view “Stop Payments”<br />
previously entered and submit new “Stop Payment” requests. Select<br />
“Stop Payments” from the drop-down menu, then fill in the required<br />
fields and click “Submit”. Fees may apply. Please refer to our Fee<br />
Schedule for details.<br />
Removing or Editing a Stop Payment<br />
You must contact <strong>Hudson</strong> <strong>Heritage</strong> to edit or remove a “Stop<br />
Payment.” “Stop Payment” fees will be automatically deducted in<br />
accordance with the terms of your account.<br />
Viewing Transactions:<br />
The transaction feature shows detailed activity on your account. Transactions<br />
are listed in descending order. You can change the period of time by selecting<br />
the appropriate range next to View Range. You may also switch accounts by<br />
using the drop-down box next to “View Transactions For.”<br />
To view transactions between a specific date range, click on “Search”<br />
located next to the “Current Transactions” and “Download” features.<br />
Transferring Funds:<br />
Making a Transfer<br />
The “Transfers” option allows you to transfer funds between accounts.<br />
From the drop-down menu to the right of the account, choose “Transfers”.<br />
Then, select the accounts to transfer “From” and “To”. Enter the transfer<br />
amount, frequency, and date of the transfer. Click “Submit.”<br />
Pending and Completed Transfers<br />
Select “Pending” to view, edit, or delete a scheduled transfer. “History”<br />
lists all completed transfers.<br />
Transaction Download:<br />
Easily download your account transactions to specific budget and<br />
accounting software. Choose “Download” from the menu to the right<br />
of the accounts on the main page. Select:<br />
• “Account” from the top drop-down box.<br />
• “Download Range” box.<br />
• File/”Download Format” you wish to use.<br />
When finished, click “Submit.” Instructions will appear based on your<br />
computer type and the type of internet browser you are using.<br />
Formats include:<br />
• Microsoft® Money (.OFX)<br />
• Intuit® QuickBooks (.IIF)<br />
• Personal Finance (.QIF)<br />
• Spreadsheet (.CSV)<br />
• Word Processing (.TXT)
OPTIONS:<br />
Choosing Your Options<br />
Customize your online banking experience!<br />
Personal Options<br />
Personal settings allow you to change your password and create an<br />
easy-to-remember alias for your online banking ID. You also have the<br />
ability to update your personal email address in the event that your<br />
contact information changes.<br />
Account Options<br />
Create easy-to-identify nicknames and descriptions for your accounts<br />
(e.g., Retirement Account, Vacation Account).<br />
Display Options<br />
Other display options let you control how many accounts you view on a<br />
page, the amount of history you view and more!<br />
IMPORTANT SECURITY INFORMATION<br />
REGARDING YOUR COMPUTER<br />
AND PASSWORD:<br />
Passwords. It is important to use strong PIN numbers/passwords.<br />
They should be at least 7 to 9 characters in length, include both<br />
numbers and letters (capital and lower-case) as well as the use of at<br />
least one of the following special characters (!#$%(*)+-/?[\]^_{|}).<br />
Your passwords should also be changed regularly.<br />
Security. You can reduce the possibility of attacks by installing<br />
antivirus, anti-spyware and anti-malware programs on your home<br />
computers. Signature files should be updated by downloading and<br />
installing the updates on a daily basis.<br />
Public Access Computers. Be aware that the use of computers<br />
accessible to the public to access your credit union accounts carries<br />
certain risks as they may be infected with viruses and/or malicious<br />
software such as Trojans and keyloggers.<br />
e-Alerts:<br />
Sign up for alerts! You establish the type of alerts you want to<br />
receive in real time.<br />
You will be able to set up and receive email, text and/or login alerts<br />
for account balances, loan payment due date reminders or when your<br />
paycheck is deposited, and much more.<br />
You can choose any or all of the following alerts:<br />
Event Alerts<br />
• Share certificate maturing<br />
• Incoming electronic deposit<br />
• Electronic withdrawal<br />
• Insufficient funds<br />
• Loan payment balance<br />
Balance Alerts<br />
• Balance “above” amount<br />
• Balance “below” amount<br />
Transaction Alerts<br />
• Debits posted<br />
Item Alerts<br />
• Triggered by check clearings<br />
Security Alerts<br />
• Invalid login<br />
• <strong>Online</strong> banking ID change<br />
• Successful login<br />
• Password change<br />
Personal Alerts<br />
Triggered by calendar date (e.g.,<br />
important dates such as one-time<br />
and re-occurring payments due,<br />
birthdays or anniversaries, and<br />
reminders)<br />
It’s so easy to set up your alerts. Just go into your <strong>Heritage</strong> <strong>iCliq</strong><br />
account and click on the “Options” tab.<br />
To receive text alerts* within the U.S., please provide your cell phone’s<br />
text access information. This includes your cell phone number (note<br />
that you do not have to have a “smart phone”) and may include the<br />
following (please check with your cell phone carrier to be sure):<br />
• AT&T: yourcellnumber@text.att.net**<br />
• Sprint: yourcellnumber@messaging.sprint.pcs.com**<br />
• Straight Talk: yourcellnumber@mms.att.net**<br />
• Verizon: yourcellnumber@vtext.com**<br />
• Virgin: yourcellnumber@vmobl.com**<br />
*Texting/data charges may apply. Please check with your wireless carrier.<br />
**Where it says “yourcellnumber,” please put in your 10-digit cell number.<br />
<strong>Heritage</strong> <strong>iCliq</strong> is a free service to Members if your online account is accessed at least once within 60 days.<br />
Otherwise, a $5.00 fee will be charged.<br />
To start using <strong>Heritage</strong> <strong>iCliq</strong> visit: www.HHFCU.org
About us<br />
<strong>Hudson</strong> <strong>Heritage</strong> <strong>Federal</strong> <strong>Credit</strong> <strong>Union</strong> was chartered on October 3,<br />
1940. We are a not-for-profit cooperative association. Our earnings<br />
are used for reserve funds, operating expenses, and dividends paid to<br />
our Members.<br />
Like other financial institutions, we are closely regulated. The<br />
NCUA provides all members of federally insured credit unions<br />
with up to $250,000 in coverage for their individual accounts.<br />
Additional insurance may be applicable and is based on account<br />
ownership. IRAs are insured separately for up to $250,000.<br />
Please call us for additional information.<br />
Delivering World-Class Service<br />
Through Personalized <strong>Banking</strong>...<br />
Every Member, Every Time.<br />
We look forward to serving you.<br />
845.561.5607 | www.HHFCU.org<br />
<strong>Federal</strong>ly Insured by NCUA<br />
EQUAL HOUSING LENDER