Heritage iCliq Online Banking - Hudson Heritage Federal Credit Union

Heritage iCliq - Online Banking
Heritage iCliq
The online banking system that lets you
access your accounts and pay bills
from your computer, smartphone or tablet...
anytime... anywhere.
It’s the ultimate in convenience!

Banking with Hudson Heritage has never been more convenient!
Heritage iCliq lets you manage your accounts, pay bills, transfer funds and more, including:
• Access account information.
• Transfer funds between your checking
and savings accounts.
• Create your own unique login! After your initial log in, you
can customize your own Heritage iCliq ID. See inside for
more details.
• Review your entire account history! With a single click, you
can pull up your account history.
• Keep your budget on track with Heritage iMgmt
— your personal financial management tools! Track all your
expenses to see where you’re spending and saving.
• Pay bills through Heritage iPay! It’s an easy, secure
and convenient way to pay your bills without ever having to write
a check.
• Customize your Home Page! You can customize your
online banking Home Page by adding, removing and sorting
“widgets.” Multiple widgets display on this page to allow you
to set up a dashboard-style view of your online banking. See the
accounts you want to see and the pertinent information all on a
single screen.
At the top of the page, simply click on the “Configure This
Page” link. Drag and drop or use the “+” to add widgets to your
view or “-” to remove them. You can also drag and drop the order
in which they will appear.
Using Widgets
To modify a widget’s settings, click the “gear” icon on the top
of the screen. To remove a widget, click the red X. To go to a
widget’s full details, click the green arrow.
• Activate, block or re-order your debit card.
See inside for details on how to:
• Log in
• View transactions
• Transfer funds
• Sign up for e-Statements
• Stop payments
• Download transactions
• And more....
Take a test drive
of Heritage iCliq at our website:
www.HHFCU.org

Log in to Online Banking:
Account Access and Security
It’s quick and easy to set up your Heritage iCliq online
banking account:
• Click on the button on the top of our website’s Home Page
“Heritage iCliq.”
• To begin, go to the top of your screen and click on “Sign up for
Heritage iCliq!”
• Next you need to read and click to approve the Agreement.
• To set up your account:
- You will be asked for your iCliq ID. For your initial visit, this will
be your Member Number. You will then be asked for your Social
Security Number as well as your email address.
- Next, you will be prompted to set up your iCliq ID. This must be
between 6 and 12 characters and begin with a letter. Tip: Use a phrase
that you will remember but others will not know.
- You will receive a temporary password. Please save this password
as you will need it the first time you login. After your first login, you
will be prompted to set up your own password which must be 6 to 10
characters. Please see “Important Security Information” in this
brochure for tips on setting strong passwords.
- You will then be asked to establish your Watermark Security Image
and set up your Personal Verification Questions.*
* Please choose answers that you will remember. Incorrectly answering
questions can lead to your account access being disabled.
Sign up for and View e-Statements:
E-Statements is a safe, convenient, free, and “green” option that
allows you to view, download and print your account statements from
our secure online banking platform. Once enrolled, to view your
e-Statements, simply click on the “e-Statement” tab.
To start receiving e-Statements, login to Heritage iCliq and click on the
“e-Statement” tab and follow the prompts.
You will receive an email notifying you each month when your new
e-Statement is available.
Stop Payments:
The “Stop Payments” tab allows you to stop payment on an
unpaid check or range of checks. You can view “Stop Payments”
previously entered and submit new “Stop Payment” requests. Select
“Stop Payments” from the drop-down menu, then fill in the required
fields and click “Submit”. Fees may apply. Please refer to our Fee
Schedule for details.
Removing or Editing a Stop Payment
You must contact Hudson Heritage to edit or remove a “Stop
Payment.” “Stop Payment” fees will be automatically deducted in
accordance with the terms of your account.
Viewing Transactions:
The transaction feature shows detailed activity on your account. Transactions
are listed in descending order. You can change the period of time by selecting
the appropriate range next to View Range. You may also switch accounts by
using the drop-down box next to “View Transactions For.”
To view transactions between a specific date range, click on “Search”
located next to the “Current Transactions” and “Download” features.
Transferring Funds:
Making a Transfer
The “Transfers” option allows you to transfer funds between accounts.
From the drop-down menu to the right of the account, choose “Transfers”.
Then, select the accounts to transfer “From” and “To”. Enter the transfer
amount, frequency, and date of the transfer. Click “Submit.”
Pending and Completed Transfers
Select “Pending” to view, edit, or delete a scheduled transfer. “History”
lists all completed transfers.
Transaction Download:
Easily download your account transactions to specific budget and
accounting software. Choose “Download” from the menu to the right
of the accounts on the main page. Select:
• “Account” from the top drop-down box.
• “Download Range” box.
• File/”Download Format” you wish to use.
When finished, click “Submit.” Instructions will appear based on your
computer type and the type of internet browser you are using.
Formats include:
• Microsoft® Money (.OFX)
• Intuit® QuickBooks (.IIF)
• Personal Finance (.QIF)
• Spreadsheet (.CSV)
• Word Processing (.TXT)

OPTIONS:
Choosing Your Options
Customize your online banking experience!
Personal Options
Personal settings allow you to change your password and create an
easy-to-remember alias for your online banking ID. You also have the
ability to update your personal email address in the event that your
contact information changes.
Account Options
Create easy-to-identify nicknames and descriptions for your accounts
(e.g., Retirement Account, Vacation Account).
Display Options
Other display options let you control how many accounts you view on a
page, the amount of history you view and more!
IMPORTANT SECURITY INFORMATION
REGARDING YOUR COMPUTER
AND PASSWORD:
Passwords. It is important to use strong PIN numbers/passwords.
They should be at least 7 to 9 characters in length, include both
numbers and letters (capital and lower-case) as well as the use of at
least one of the following special characters (!#$%(*)+-/?[\]^_{|}).
Your passwords should also be changed regularly.
Security. You can reduce the possibility of attacks by installing
antivirus, anti-spyware and anti-malware programs on your home
computers. Signature files should be updated by downloading and
installing the updates on a daily basis.
Public Access Computers. Be aware that the use of computers
accessible to the public to access your credit union accounts carries
certain risks as they may be infected with viruses and/or malicious
software such as Trojans and keyloggers.
e-Alerts:
Sign up for alerts! You establish the type of alerts you want to
receive in real time.
You will be able to set up and receive email, text and/or login alerts
for account balances, loan payment due date reminders or when your
paycheck is deposited, and much more.
You can choose any or all of the following alerts:
Event Alerts
• Share certificate maturing
• Incoming electronic deposit
• Electronic withdrawal
• Insufficient funds
• Loan payment balance
Balance Alerts
• Balance “above” amount
• Balance “below” amount
Transaction Alerts
• Debits posted
Item Alerts
• Triggered by check clearings
Security Alerts
• Invalid login
• Online banking ID change
• Successful login
• Password change
Personal Alerts
Triggered by calendar date (e.g.,
important dates such as one-time
and re-occurring payments due,
birthdays or anniversaries, and
reminders)
It’s so easy to set up your alerts. Just go into your Heritage iCliq
account and click on the “Options” tab.
To receive text alerts* within the U.S., please provide your cell phone’s
text access information. This includes your cell phone number (note
that you do not have to have a “smart phone”) and may include the
following (please check with your cell phone carrier to be sure):
• AT&T: yourcellnumber@text.att.net**
• Sprint: yourcellnumber@messaging.sprint.pcs.com**
• Straight Talk: yourcellnumber@mms.att.net**
• Verizon: yourcellnumber@vtext.com**
• Virgin: yourcellnumber@vmobl.com**
*Texting/data charges may apply. Please check with your wireless carrier.
**Where it says “yourcellnumber,” please put in your 10-digit cell number.
Heritage iCliq is a free service to Members if your online account is accessed at least once within 60 days.
Otherwise, a $5.00 fee will be charged.
To start using Heritage iCliq visit: www.HHFCU.org

About us
Hudson Heritage Federal Credit Union was chartered on October 3,
1940. We are a not-for-profit cooperative association. Our earnings
are used for reserve funds, operating expenses, and dividends paid to
our Members.
Like other financial institutions, we are closely regulated. The
NCUA provides all members of federally insured credit unions
with up to $250,000 in coverage for their individual accounts.
Additional insurance may be applicable and is based on account
ownership. IRAs are insured separately for up to $250,000.
Please call us for additional information.
Delivering World-Class Service
Through Personalized Banking...
Every Member, Every Time.
We look forward to serving you.
845.561.5607 | www.HHFCU.org
Federally Insured by NCUA
EQUAL HOUSING LENDER