From member and account numbers, Bill Pay, Statements & E-Statements to all things online and mobile banking, you've asked and we are updating to better serve YOU! 

Upgrade Weekend is May 3, 2024 - May 6, 2024

Be sure to complete the Member Checklist 

Be sure to read our System Upgrade Booklet! 

Aside from member and account numbers that apply to every member at HFCU, if you have some or all of the other items listed below, you can expect updates to them to provide you an enhanced banking experience. 

Bill Pay 

We are transitioning away from iPay and going to a new Bill Pay service. Click the button below to learn more about all of the details! 

Member Numbers & Account Numbers 

The term "Member Number" will be now be referred to simply as  "Account Number" and ALL account numbers will be changing. Learn more by clicking the button below.  

Statements & E-Statements

Statements & E-Statements will be updating and have a new look. In addition to statements, if you have a loan with us,  you will now receive what are called "Loan Bills."

Online & Mobile Banking

From an enhanced user experience to new and exciting updates and features, online and mobile banking is sure to bring you an enhanced digital experience! 

Zelle®

While we currently provide you with Zelle®, due to system requirements  you will need to re-enroll in Zelle® following the System Upgrade. 

ATMs

Our ATMs will be available to you during the Upgrade Weekend. However, beginning Monday, May 6, 2024, our ATMs will begin their own upgrade, meaning there will be some limitations. 

Checks 

Your current supply of checks will continue to work throughout and after the upgrade. However, when you run out, you will need to order a new supply with new information. 

Additional Updates

• Wire Transfer Process 
• My Card Rules 

4.13.24: Please be advised that if you are a current Bill Pay user, we encourage you to download your Bill Pay history before 4/26/24. Bill Pay history will not be available to you in our new system. 

3.1.24: Online Bill Pay will be unavailable starting on Friday, April 26, 2024. The NEW Bill Pay system will be available starting on Wednesday, May 8, 2024.

ACTIVE BILL PAY USERS: If you are currently an active user of online Bill Pay (iPay), your information and information on individuals you’ve paid (payee information) will be available to you in the new system. Sentence removed based on change, please reference 4.13.24 update: as well as the ability to view and download up to 12 months of payment history. Please note that your method of payment may change as the new system learns your behaviors. 

PAYEES WITH NO MAILING ADDRESS LISTED: If you have payees in your account that do NOT have mailing addresses listed for them, you will need to add them again following the System Upgrade on May 8, 2024.

SCHEDULE PAYMENTS BEFORE APRIL 26, 2024: Bill Pay access will be temporarily removed from Friday, April 26, 2024 through Tuesday, May 7, 2024. If you have payments scheduled to occur between April 26, 2024 and May 7, 2024, please review them to ensure that all payments will be delivered no later than Thursday, May 2, 2024. For example, if you have a payment scheduled to be made from Friday, May 3, 2024 through Tuesday, May 7, 2024, it will not be processed and will need to be rescheduled to be delivered no later than May 2, 2024. This is due to the System Upgrade occurring from May 3, 2024 through May 7, 2024.

UNAVAILABLE PERIOD: You will not be able to initiate, cancel, or edit any payees or payments in Bill Pay during the unavailable period of Friday, April 26, 2024 through Tuesday, May 7, 2024.

3.1.24: Over the years, you may have memorized what HFCU has referred to as your “Member Number(s)” and our HFCU team has been right there with you. However, in order for us to bring you the most enhanced banking experience, we will be transitioning away from what you have come to know as your “Member Number(s)” and now simply refer to them as “Account Number(s).” So how will this be done?

When looking at your accounts, the oldest savings account you have with us, even the one you may have opened in 1970 (yes we have those on file) will become your “Primary Savings Account Number.” The original Member Number associated with this account plus additional numbers added to the end of it, will become your “Primary Savings Account Number.”

For example, if your Member Number on the oldest savings account you have with HFCU is 12345678, after the Upgrade, your Primary Savings Account Number may look something like this: 123456780002.

Aside from your Primary Savings Account Number, all of your other account numbers associated with additional products such as, but not limited to, loans, business products, checking accounts, share certificates, additional savings and money market accounts will be changed in the same manner as the Primary Savings Account by adding a few additional numbers to the end of the current number.

For example, if your checking account number is 12345678, after the Upgrade, your checking account number may look something like this: 12345678075.

IDENTITY VERIFICATION: As we have always done, following the Upgrade we will confirm your identity to protect your accounts by asking you to confirm other personal identifying information. No need to memorize long numbers!

LIST OF ACCOUNT NUMBERS: For a full list of your current HFCU accounts ahead of the Upgrade, please refer to your April Statement, call us or stop by your local branch and our team would be happy to review all of the details with you. For a list of where you can find your new account numbers following the Upgrade, click the button below.

Addition 5.1.24:

Partial Monthly Statement Information

For monthly statement holders, this is a partial statement that reflects transactions from May 1 through May 3 and APY/dividends from May 1 through May 2. As this statement, and the next one you will receive, do not include the full month of May cycle, we want you to be aware that your APY/interest amount(s) listed, may appear differently than what you would expect as the month is broken into two cycles. We want to assure you that we have taken the necessary steps to ensure that they are correct. You will be receiving your secondary May Statement, which will reflect transactions from May 4 through May 31 and APY/dividends from May 3 through May 31, the first week in June from our new statement provider. As such, we want to remind you that the Statement will have a new look and feel. To view an example of what to expect, please  click the “View Sample Statement” button.

Partial Quarterly Statement Information

For quarterly statement holders, your partial statement will reflect transactions from April 1 through May 3 and APY/dividends from April 1 through May 2. As this statement, and the next one you will receive, do not include the full quarterly cycle, we want you to be aware that your APY/interest amount(s) listed, may appear differently than what you would expect as the quarter is broken into two cycles. We want to assure you that we have taken the necessary steps to ensure that they are correct. You will be receiving your secondary quarterly statement, which will reflect transactions from May 4 through June 30 and APY/dividends from May 3 through June 30, the first week in July from our new statement provider. As such, we want to remind you that the statement will have a new look and feel. To view an example of what to expect, please visit heritagefcu.com/upgrade-updates/#statements and click the “View Sample Statement” button.

3.1.24: STATEMENTS & LOAN BILLS: Paper Statements will have a new look, and will contain only deposit account information after the Upgrade, which is different from our current statements. If you have a loan(s) with us, you will now a receive a separate Loan Bill, per loan, for your loan information. Your current payment method will remain the same.

E-STATEMENTS: You will receive E-Statements at the same email you have on file following the Upgrade. On Tuesday, May 7, 2024, your E-Statements will be accessible in the new online/mobile banking platform. Please download and save your E-Statement history, especially for tax purposes, from your online/mobile banking account by Thursday, May 2, 2024. E-Statement history will unfortunately be removed during the Upgrade. HFCU will be able to provide you history if you do not download your history by May 2, 2024, but want to make you aware that a fee would be charged. Reference our fee schedule at heritagefcu.com/resources/.

EXAMPLES: To see examples of what the new Statements and Loan Bills will look like, please click the buttons below

YOU WILL RECEIVE TWO STATEMENTS FOR MAY 2024:

1. The first will be sent the week of May 6, 2024 with account activity from. Please see 5.1.24 update May 1 - 5, 2024.

Please note that this first Statement will be mailed to you, even if you are enrolled in E-Statements.

2. The second will be sent the week of June 3, 2024 with account activity from. Please see 5.1.24 update May 6 - 31, 2024.

STATEMENT DATE: Following the System Upgrade, Statements will be issued after the last business day of each month for personal accounts and business accounts.

LOAN BILLS: Loan Bills will now be available to you in addition to your statements and will contain your loan information. Additionally, Loan Bills will take the place of coupon books. Visit our website listed in the green banner above for more information as it becomes available!

3.1.24: HFCU Online/Mobile Banking will be unavailable starting on Friday, May 3, 2024 at 1:00 pm. The NEW Online/Mobile Banking platform will be available to users on Monday, May 6, 2024.

USERNAMES: Online/mobile banking Usernames will remain the same for all members.

JOINT ACCOUNT USERNAMES: If you currently share a username with another individual, some changes will apply to certain individuals to enhance security, please visit the website listed above in the green banner for further details.

PRE-REGISTRATION: An email will be sent to all members currently utilizing online/mobile banking with instructions on how to pre-register in early April. The email will contain a secure link to pre-register and will involve creating a password for your account that will be able to be utilized on Monday, May 6, 2024.

May 6, 2024: If you complete the pre-registration process ahead of Tuesday, April 30, 2024, on Monday, May 6, 2024 you can simply log in to your online/mobile banking account.

IF YOU DO NOT PRE-REGISTER: On or after Monday, May 6, 2024, when you first sign in to online/mobile banking, you will be asked to log in using your current username and temporary password. Temporary passwords are as follows:

•

• Members: The temporary password will be the last 4 digits of the users Social Security Number (SSN) or Tax Identification Number (TIN) (for joint account users, please use the Primary Account Holders SSN or TIN) followed by the 5-digit ZIP Code listed on your personal accounts with HFCU.

• Business Members: The temporary password will be the last 4 digits of the businesses Tax ID number followed by the business 5-digit ZIP Code

After signing in with your temporary password, you will then be prompted to create a new and unique password to ensure your information is safe and secure.

SECURITY QUESTIONS & EMAIL VERIFICATION: Users will be required to verify or update their email address when logging into the new online/mobile banking platform for the first time, even if they pre-registered, and may be presented with additional security steps. 

ALERT RESET: Any online/mobile banking alerts you previously set-up will need to be reset following the System Upgrade. 

ANDROID USERS: Members with Android devices will need to uninstall the app on their device prior to downloading the new one.

APPLE USERS: For Apple Users, the app should automatically update on their device. If the app fails to update, users will need to download the new app from the Apple Store®.

3.1.24: Please know that we exhausted every resource to prevent re-enrollment and we understand that this is not ideal for you, especially those that have already established limits and spending habits utilizing Zelle®.

With the upgrades made to our banking system, we are thrilled to still be able to provide you with fantastic person-to-person services through our partnership with Zelle®.

Although the services through Zelle® will be the same, you will need to re-enroll to ensure the continued convenient use and speed of the platform.

HOW TO RE-ENROLL

1. On Wednesday, May 8, 2024, all Zelle® users will need to sign into the new online/mobile banking platform and navigate to the “Send Money with Zelle®”menu option.
2. Once you click on “Send Money with Zelle®”you will need to complete the prompts to re-enroll. More details will be available on the website page listed above in the green banner as the Upgrade Weekend gets closer!

IMPORTANT: Please also note that upon re-enrollment, your Zelle® history will no longer be accessible to you. Due to this, we highly encourage you to download and save any of your Zelle® history to your personal device ahead of re-enrolling in the service. We apologize for any inconvenience this may cause.

Addition 4.29.24: Please be advised that all HFCU ATMs will be undergoing updates from 5.6.24 through 5.17.24, which will cause certain ATMs to be unavailable on the respective dates. Updates will be occurring during business hours. We wanted to provide you the schedule to allow you to plan accordingly for when ATMs will be down. To view the schedule, please click the button below: 

Addition: 4.24.24: Please be advised that HFCU ATMs will not be able to accept deposits beginning 5.1.24. As such, we ask that you utilize our night drop box service, remote deposit capture e-Service or stop into one of our branches during business hours. Our ATMS will be going through updates from May 6-16. Once the ATMs are updated, the ability to make deposits will be restored. ATMs will have signage placed next to them if they are unable to accept deposits. 

Addition 3.18.24: Please be aware, that although unlikely, from Monday May 6, 2024 through 3:00pm on Wednesday, May 8th, 2024, debit card transactions made using a PIN based transaction on the NYCE network, a network that supports ATMs and various Point of Sale (POS) systems in stores, may be declined. If this happens to you, we ask that you put the transaction through as “credit” and the transaction should go through without issue.

3.1.24: DURING UPGRADE WEEKEND: HFCU Branch Location ATMs will be available as usual through the Upgrade Weekend, but will have limitations after.

AFTER UPGRADE WEEKEND: Following the Upgrade Weekend, ATMs at HFCU locations will be undergoing updates, please see 4.29.24 update, which may cause some service limitations. ATMs will have signs up indicating if the ATM has limitations. 

ATM SCREENS: ATM screens may look different, but they will maintain all of the previous functionality to complete your banking needs.

MONEYPASS® ATM NETWORK: As a Heritage Financial Credit Union member, you have access to conveniently located surcharge-free ATMs aside from those located at our branches. As an enhancement to provide you with access to over 55,000 surcharge-free ATMs, we made the decision to transition to the MoneyPass® Network!

Finding a MoneyPass® ATM is easy! Just look for the MoneyPass® logo at any ATM you visit or find an ATM nearest you by visiting moneypass.com/atm-locator.html.

3.1.24: As a result of upgrading our system, all of your current deposit accounts with HFCU will be assigned new account numbers.

Due to this change in account numbers, your current check supply will continue to work following the Upgrade, however, when your current supply runs out, you will need to place an order for new checks. Please ensure that the account number associated with your checks is updated to reflect the account number provided to you following the Upgrade.

We will be providing more information on checks as it becomes available. 

4.15.24: Wire Transfer Process

Please be advised that on May 6, 2024 our wire transfer process will have a new procedure and instructions. If you have any questions about the new process, please give us a call at 845-561-5607. Updates can be found on https://heritagefcu.com/resources/. 

4.15.25: May Card Rules

Please be advised that the My Card Rules App will no longer work for your cards effective May 6, 2024 as the service will be ending. We will have a new debit card control feature in our new online and mobile banking that will be available in May. 

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