Frequently Asked Questions:  Online Banking

What accounts can I view?
Once you are registered with Online Banking, you can view any account or loan, view your online E-Statement, submit loan applications, transfer funds, review account history, and make bill payments*. Online Banking allows you to verify your deposits, use Check Imaging to view and print both sides of your cleared checks, re-order or order checks, and review current rates and terms.

*There are fees associated with BillPay & Presentment.

What is BillPay & Presentment?
Learn more about USE Credit Union's BillPay & Presentment option or sign-up today!

How much does Online Banking cost?
Online Banking is FREE to all USE Credit Union members.

Getting Started
What do I need to enroll for Online Banking?
To enroll for Online Banking, all you need is a USE Credit Union member number and a computer with Secure Internet access.

Can I begin using Online Banking right away?
Once the verification process is complete, you can begin using Online Banking. Click on the "Enroll" link in the "Online Banking" box on any page of this Website to begin.

How do I sign in?
To enroll, simply click on the "Enroll" link in the "Online Banking" box on any page of this Website.

What if I forget my Online Banking Password?
Click on the "Forgot your password?" link in the "Online Banking" box to reset your password yourself, or you can notify the Member Service Center at (866) USE-4-YOU (873-4968) to reset your password.

Transferring Funds
What accounts can I transfer between?
You can transfer funds between any of your accounts with the exception of Term Investment Accounts and Holiday Accounts.

When will my funds become available after I complete online transactions?
Your funds are available immediately. You will receive a confirmation number upon completion of online transactions.

Can I set up recurring or future date transfers?
To set up recurring or future date transfers contact Member Services at (866) USE-4-YOU (873-4968).

Can I transfer funds to my mortgage?
Regular monthly payments to your mortgage can be transferred online.

BillPay & Presentment
How does Bill Pay & Presentment work?
Payments are sent to your designated payees on the day you select (Process Date). Payments are sent either electronically or by paper check, depending upon the payee's ability to accept electronic payments. Electronic payments take up to three business days to reach your payee while paper checks may take up to five business days.

Payments will be electronically deducted from your USE Credit Union Checking Account on or after the Process Date, never before. For your convenience, you have the option of setting up payments as one-time only or recurring.

What does Bill Pay & Presentment cost?
There is no monthly service fee. Make as many payments as you'd like from your consumer checking account each month at no charge.

From which account will my payments be deducted?
You must have an USE Credit Union Checking Account to use the Bill Pay & Presentment service. All payments will be deducted from this account.

How do I register for Bill Pay & Presentment?
Registration is easy! The first time you attempt to access the bill payment section of Online Banking, you will be prompted to begin online registration. You are first requested to read and accept the authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding.

Next, complete the online registration form and submit it with a click. In most cases your application will be processed immediately and you can begin using Bill Pay & Presentment right away. If you receive a message such as "application pending," please contact us so we may assist you.

Is it possible to schedule recurring payments?
Yes. You can schedule recurring payments at a variety of frequencies, such as weekly, monthly, quarterly, and more.

When is Bill Pay & Presentment available?
It's typically available 24 hours a day, seven days a week. The system is unavailable the last business day of every month for routine maintenance (this includes Online Banking).

Are my Bill Pay & Presentment transactions reflected in my account history?
Yes. All Bill Payment transactions become part of your checking account transaction history and show up on your monthly account statement and Online Banking account histories.

Can Bill Pay & Presentment be used when I am out of the country?
Yes. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and territories.

Who can be paid using the Bill Pay & Presentment system?
Anyone in the 50 United States and territories who can accept a check can be paid. You can pay practically anyone - charge accounts, utilities, auto loans, insurance providers, even a lawn service or a relative. However, tax payments (such as federal, state, and local) and court directed payments (such as alimony and child support) cannot be processed through this system.

If I schedule multiple bill payments for a single day, how will my account be debited, as a lump sum or separately?
Each bill payment is debited separately.

How is my account debited?
Your account is debited via ACH.

What is ACH?
Automated Clearing House is a funds transfer system which provides for the inter-bank clearing of electronic entries for participating financial institutions.

What if I do not have sufficient funds on the day Metavante, USE Credit Union's bill payment processor, debits my account?
Following is a summary of Metavante's Insufficient Funds procedure:

• A block will automatically be placed on all accounts that have an ACH debit returned to bill payment services. No additional bill payments will be processed until the account is properly funded and the return(s) cleared. If a payment request is received while the account is blocked, a letter will be sent notifying you that the payment(s) will not be processed. A copy will also be sent to USE Credit Union.
• Upon the first return, Metavante will automatically re-send all ACH returns under $100.00. Exception: debits for payments in which the credit portion was sent electronically will be resent regardless of the dollar amount without financial institution verification.
• Metavante will contact the financial institution to verify all returns exceeding $100.00. If funds are available, they will re-send the return(s). If funds are unavailable and if the payment was made by check, a stop payment will be placed.

If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.

If you select an electronic payee with the address that matches that indicated on the payment coupon, and Metavante routes the payment incorrectly, then Metavante will take responsibility for the late fee. (Metavante is USE Credit Union's Bill Payment processor.)

How do I place a stop payment on a Bill Payment?
A payment may be edited or deleted anytime before the Process Date. Payments that have been remitted electronically cannot be stopped. To place a stop payment on a paper check that has been remitted, contact us.

Other Online Services
Can I order and re-order checks online?
Order or re-order checks online directly through Liberty. You can also order checks through Member Services at (866) USE-4-YOU (873-4968).

Can I get in touch with USE Credit Union using email?
Yes, contact us now at memberservice@usecu.org.

Can I request a stop payment on a check?
To request a stop payment on a check, contact us at (866) USE-4-YOU (873-4968) or visit any USE Credit Union branch location. If you have Online Banking, you can place a stop payment directly online.