FAQs

Go to Transfer & Pay > Transfers from the dashboard.

One-time immediate, future-dated, recurring transfers, and loan payments.

Yes, after linking the external account via instant verification or trial deposits.

Select Frequency and End Date when creating the transfer.

Minimum Due, Current Balance, Last Statement Balance, Standard, Payoff, Other, Principal Only, Escrow Only.

Yes, optional memo field is available for most transfers.

Use the Schedule tab to edit, skip, or cancel future transfers.

Under the Activity tab.

Yes, limits vary by account type and package. Check Transfer Policy & Limits link.

Click Link an External Account from the dashboard or Add Account in Transfers. You can link instantly using credentials or manually via trial deposits.

You can still link the account manually by entering routing and account numbers and verifying trial deposits.

For security, you’ll receive a one-time Multi-Factor Authentication (MFA) code before completing the linking process.

Go to Settings > Accounts, find the pending account, and enter the two deposit amounts.

Yes, for transfers. You’ll need the recipient’s last name and account details. They’ll receive an email notification.

Yes. When linking, select Save for Future Use.

On the app, choose “Deposit Checks” from the bottom menu. If this is your first mobile deposit, accept the disclosure. Select the deposit account, enter the amount, then click “Front of Check” and “Back of Check” to take photos. Click “Submit Deposit” to complete the deposit.

You can view your past bill history by selecting “History” from the menu at the top of the page.

To properly endorse your check, include the following:
Your Signature
For Mobile Deposit Only to ESFCU

For best results, ensure the image of your check is inside the four corners of the box by zooming in or out as needed. The Digital Banking system won’t allow you to proceed unless the image is clear. In addition, use the proper check endorsement as indicated above. Keep the original check for five business days after the deposit is posted as you may be required to submit the original check.

Your deposit may be placed on extended hold and you may be required to submit the original check. Please keep the original check for five business days after the deposit has been made.

The maximum deposit amount is $5,000 per day.

Each check must be deposited individually and requires its own photo. There is no limit to the number of deposits you can make per day as long as the amount is us under the maximum deposit amount of $5,000.

Members can make deposits to checking and savings accounts. Once the deposited funds become available, you can transfer the money to a loan account to make a payment.

You will receive an email when the deposit has been received and a second email when the deposit has been approved.

The Credit Union standard Funds Availability applies to checks deposited through the Digital Banking app. Funds will show as Pending until they are posted to the account. Third party, stale-dated checks and checks that appear to be altered may require an extended hold time. In those cases, you will be notified by letter the day after the funds post to your account.

The Credit Union Funds Availability Policy specifies that deposits need to be submitted before 5:00 pm, Monday through Friday, to be considered deposited on the same day, excluding holidays. Deposits are not posted on holidays, Saturdays or Sundays.

No. Once a deposit is submitted, it will begin going through the deposit process.

If you have a checking account, you can use this feature by selecting Pay Bills from the bottom menu. Payments are made from a checking account. If you have money in another account, first make an Internal Transfer to your checking account. Then, you can schedule or modify payments using the Digital Banking app or a desktop web browser.

No. Only one-time payments can be scheduled through the Digital Banking app. Recurring payments need to be scheduled using a desktop web browser. From the “Payment Center” page, below the “Deliver By” box is a link that says AutoPay. Click on this link and follow the prompts to select the frequency for the payments.

To use Bill Pay, a phone number and mailing address must be on record with the Credit Union. To update your information, select the person icon in the top-right corner, click “Settings” and then select “Contact” to update your information.

All payments must be scheduled prior to 5:00 pm on business days. Anything paid after 5:00 pm can be scheduled for the next available date. If the payment is paid by check, it can take four days for the merchant to receive it. When you enter an amount for payment, Bill Pay automatically displays the earliest date you can select for the company or person to receive payment. You can either accept the date or change it to a later one.

If the payment is sent electronically, the money for the payment is withdrawn from your payment account on the pay date. If the company or person cannot receive electronic payments, Bill Pay prints a check and sends it to the billing address. For some checks, the money for the payment is withdrawn on the pay date. For others, the money is withdrawn when the company or person deposits or cashes the check. You can, however, see a record of the payment being processed on the date you requested.

This is because the payment is a "Draft Check." A Draft Check is a check drawn on your account and mailed to the payee a few days before the due date. The funds for the payment are deducted from your account when the payee cashes the check, just as if you wrote the check yourself. You can, however, see a record of the payment being processed on the date you requested it to be paid.

It means that the payment is scheduled to be made on the date you requested.

It means that the payment has been processed by our Bill Pay system but not yet received by the payee.

Yes, but not after it has started processing.

CheckFree, who processes our bill payments, uses Bank of America for processing. It has nothing to do with your payees.

Please contact us at 301.779.8500. We will investigate the matter.

It means that you can get your bills electronically for that payee. No more paper bills in the mail.

No. Just click on log in and you will be redirected back to your account summary page.

Click on "Pay Bills" next to Enrollment Options. It will take you directly to the Payment Center screen.

There will be an icon to the left of your payee. Move your cursor over the icon and this information will show: "New window: Automatic payments have been set up for (name of payee)."

You may not have completed the total process. After setting up the payment you must go to the bottom of the window and click on "Make Payments." It will take you through two more screens so that you can review, make changes or cancel the payment. On the last screen you will click "Finished." How does a recurring payment show in the payments section (right side of the window)? The recurring payment will show in the Recent Payments section and your next scheduled payment will show in the Pending Payments section.

The recurring payment will show in the Recent Payments section and your next scheduled payment will show in the Pending Payments section.

Pending Payments Table
Biller Amount Pay Date
VERIZON RE... $54.00 12/05
*xxxxx Change Cancel
_______________________________________
WASHINGTON... $106.00 11/14
*xxxxx Change Cancel
________________________________________
Total $160.00
Recent Payments
Recent Payments Table
Biller Amount Pay Date
VERIZON RE...*xxxxx $54.00 11/05
________________________________________
WASHINGTON...*xxxxx $37.00 10/30
________________________________________
Total $91.00