Online home banking allows you to do most routine transactions over the Internet instead of traveling to a Credit Union office. Use eBranch to pay bills, make deposits, check account balances, transfer funds and make loan payments, including mortgage and credit card payments and pay your bills. If you're not signed up for eBranch, use the online application.
- Bill Payer: A free bill paying service. Once you have your vendors set up in Bill Payer, it only takes a couple of minutes to pay your bills. No checks to write, no envelopes to address and no postage needed. More important, no bills forgotten because Bill Payer is highly reliable.
You can set up one-time payments or recurring payments. There is no limit to the number of payees or payments you can set up, however Envision Credit Union is not an eligible merchant/payee. Bill Payer is flexible, reliable and convenient!
- Bill Payer Set-Up: A free service to help you begin paying your bills online through Bill Payer. Simply bring all of your bills to your appointment and we will show you how to create payees, make payments and get you started with your very own bills. You can set bills to be paid when you want and eliminate the need for stamps, envelopes or wasted time.
- eStatements: You can receive a copy of your monthly statement and credit card statement online. Just log onto your e-Branch account and sign up. eStatements are free and available for you to view or print at your convenience. When you elect eStatements you will receive an email reminder each month that your statement is ready to be viewed.
- Checks online: Images of all your Envision checks are available online as part of eBranch. When viewing transactions in your checking account, click on the check number. You can enlarge and print the check images. Images are available for three months.
- Transfers: You can transfer funds between your Share or Loan Accounts and other ECU accounts. Although you may transfer to an Envision Credit Card, you cannot transfer from it.
- Recurring Transfers: You can set up and edit regularly scheduled transfers between your Share or Loan Accounts and other ECU accounts.
- Track your account in real time: view up to date account balances and transaction history for any Envision account
- Check search: You may search for checks that have cleared your account. You may also list clearings by date cleared or by check number. Checks may be viewed on line for up to three (3) months from the date the check clears your account.
- eDeposits: eDeposits provide a convenient way for you to deposit a paper check without having to travel to a branch or ATM. You may initiate a deposit through eDeposit by including the deposit details, such as the amount, check number and payor (the person signing the check). You will immediately receive an eDeposit Tracking ID and will need to record the eDeposit Tracking ID on the back of the check and on the envelope. You will mail the check(s) to the Credit Union, which will need to be received by the Credit Union within seven days.
- Change your contact information.
- Set email alerts and services.
- Enroll multiple eBranch accounts.
- Download account history into Quicken or Microsoft Money
Criminal phishing (e-mail), smishing (text messaging) and vishing (telephone) attacks increased nearly 600 percent in 2009 according to the Anti-Phishing Working Group. Unsuspecting credit union members continue to respond to fraudsters who contact them through various methods to obtain their personal or financial information. These scams are well-designed to mimic legitimate organizations (including credit unions), so it’s often too late when members realize they’ve been swindled.
The following are examples of phishing requests mimicking credit unions:
- “Your account has been temporarily suspended because of a security breach at our credit union. Please provide your information to our security department to reactivate your account.”
- “Your credit card was suspended. Our customer service department needs your information to reinstate your card.”
- “Your loan is delinquent. Payment is needed ‘immediately’ (over the phone).”
- “You can receive a reduced interest rate on your loan. We need to confirm your information.”
This type of socially-engineered breach of personal or financial information is a potentially costly and devastating crime that can impact your credit union and your members. Fortunately, losses can often be prevented through member awareness combined with sensible everyday practices. Members should never respond directly to requests that purport to be from a credit union or any other company, no matter how urgent or persuasive the request. Instead, members should initiate the communication using the customer service number listed on their monthly statement to verify that the request is legitimate.
During the last month, a number of credit unions have reported phishing, smishing and vishing scams mimicking their organizations. In one case, members were advised that they would receive a reduced interest rate on their loan if they responded to the request. Working with a leading telecommunications carrier, we successfully shut down the related telephone numbers.
Loss Prevention Recommendations:
- Don’t respond to e-mails, text messages or telephone calls asking for personal identification or financial information
- E-mails and Internet pages created by scammers may look exactly like credit unions
- Learn more about phishing scam techniques at http://www.antiphishing.org/consumer_recs.html
- Take action immediately by alerting your credit union, placing fraud alerts on your credit files, and monitoring your account statements
- Report scams to the Federal Trade Commission by calling 1-877-IDTHEFT