FAQs | MD Credit Union Digital Banking | Educational Systems FCU

Apple Pay^® allows you to pay for purchases at participating retailers using your Educational Systems FCU debit and Visa^® credit cards in conjunction with Apple® devices.

Apple Pay^® is compatible on various Apple devices. Learn more here.

Yes. Your financial security is our top priority. Therefore, you can be assured that we have researched Apple Pay^® thoroughly to ensure your safety. When you make a payment using Apple Pay^®, the merchant is never given your full card number. In addition, all the standard fraud monitoring systems will continue to apply to purchases you make using Apple Pay^®.

iPhone
Open Wallet.
Tap the plus sign in the upper right corner.
Select Debit or Credit Card and follow the prompts to add your card.

This is an error that is not associated with Educational Systems FCU. It means that Apple^® and/or Visa^® could not complete verification of your card.

If you receive this message, please call us at 301.779.8500.

To change the default card, go to Settings, select Wallet & Apple Pay, tap on Default Card, and choose your Educational Systems FCU debit or Visa credit card.

Yes. Whenever you are issued a new card, even if it's the same number, it needs to be enrolled in Apple Pay^®. You will also need to remove your old card. This can be done by going into Settings, open Wallet & Apple Pay^®, select the card you want to delete and tap Remove Card.

At checkout, look for the contactless payment symbol or Apple Pay logo on the payment terminal.
Authenticate:

iPhone with Face ID: Double-click the side button and look at your phone.
iPhone with Touch ID: Rest your finger on Touch ID.

Hold your device near the payment terminal until you see “Done” or a checkmark on the screen.
Wait for confirmation from the terminal or cashier that your payment is complete.

If your payment is declined when using Apple Pay^®, simply use your physical card.

There are two safety measures in place to protect your card from fraudulent use. First, only you can authenticate a transaction using Touch ID or Face ID. You can also remove your card(s) from Apple Pay^® using a computer. Login to your iCloud.com account and choose your device. Remove your card(s) in the Apple Pay^® section.

Your dispute or fraud claim will be processed in the same manner we handle transactions where the physical card is swiped.

From the Digital Banking app or a desktop web browser log in screen, click on "Forgot Username or Password?" Then enter your account number, social security number, date of birth, zip code to complete the verification process.

From the Digital Banking app or a desktop web browser log in screen, click on “Forgot Password”. Then enter your account number, social security number, date of birth, zip code and username to complete the verification process.

The password must be a minimum of eight characters and include the following:

At least one upper case letter
At least one lower case letter
At least one number
Optional: One special character: (!@%$^&*_+= () [] {} :;,./?)

Member authentication is a security step that verifies your identity when you log in or complete certain transactions. It may require a one-time verification code sent by text message (SMS) or phone call, in addition to your username and password.

Click the person icon in the top-right corner, select “Settings,” then “Security” to update your password.

You’ll be prompted to enable biometrics the first time you log into Digital Banking. To turn biometrics on or off later, click the person icon, select “Settings,” then “Biometrics” and toggle it on or off.

Click on the person icon in the top-right corner and select “Log Out.”

Click the person icon in the top-right corner, select “Settings,” then “Contact” to update your personal information. Be sure to save your changes.

Accounts are displayed upon login. Click on the account name to view account activity.

On the app, click the account name and select “Show Details.” On a desktop, select the account, then choose “Account Details.”

Accounts are displayed upon login. Click on the account name to view account activity. Click a transaction to view additional transaction details.

Choose an account, then select a transaction to view additional details and click the pencil icon to edit the memo field.

Tap the person icon in the top-right corner, select “Settings,” then “Accounts.” Click the pencil icon located next to the account you want to change and update the nickname.

Click the person icon in the top-right corner, select “Settings,” then click “Accounts.” Choose the account by clicking the pencil icon and toggle Hide Account on and off.

On the app, select “Money Movement” from the bottom menu to transfer money or make a loan payment. On a desktop, click the “Transfer and Pay” menu and then select “Transfer.”

On the app, select “Money Movement” from the bottom menu to transfer money. On a desktop, click the “Transfer and Pay” menu and then select “Transfer.”

To set up a recurring transfer, choose an option from the “Frequency” drop-down.

On the app, choose “Money Movement” from the bottom menu, then select “Scheduled” and click “Transfers.” To cancel a recurring transfer, click the transfer and select “Cancel Series.”

On a desktop, choose the “Transfer and Pay” from the top menu, then select “Transfers” and click “Scheduled.” To cancel a recurring transfer, click the ellipses to the right of the recurring transfer and select “Cancel Series.”

Student Loan information in Digital Banking is for informational purposes. To make a payment, contact our partner Student Choice at 877.530.9782.

The daily limit is $3,500 per external transfer. The daily limit for an incoming external transfer is $7,500.

External Transfers can be made from the following accounts.

Checking Accounts
Savings Accounts (excluding IRAs, Collateralized Savings and Special Purpose Clubs)

On the app, choose “Money Movement” from the bottom menu, click “Standard Transfer,” then select the “To Account” drop down menu and click “Add Account.”

On a desktop, choose “Transfer and Pay” from the top menu, select “Transfers,” then click the “To Account” drop down menu and select “Add Account.”

Transfers need to be submitted before 4:00 pm, Monday through Friday, to be processed on the same day, excluding holidays. Transfers are not posted on holidays, Saturdays or Sundays.

If your financial institution is not included in the list, you’ll need to enter it manually by typing the financial institution’s name in the search bar. Then, complete the fields for the name of the account, routing number, account number and account type. To verify the account, two small test deposits will be made and you’ll receive an email informing you that the deposits were sent. Typically, it takes two business days for the deposits to post to your other account, but the timing is determined by the receiving financial institution. You’ll receive a second email notifying you that the account verification can be completed. First, check your account with the other financial institution to confirm that the two test deposits were posted and notate the amount. If you only received one deposit, it’s likely that your other financial institution combined the two deposits. Contact the Credit Union to obtain the two amounts. Please note that this service is provided by a third party vendor and could take up to two business days to get the deposit details. Once you have the deposit amounts, log in to Digital Banking and select “External Transfers” followed by the “Accounts” tab. Next, scroll to the External Accounts section, click on the account and select “Verify Account”. From there, enter the amount of the two small deposits and select “Verify”. Your account is now set up to make transfers.

Contact the Credit Union to remove the freeze status on your external account. Please note that this service is provided by a third-party vendor and could take up to two business days.

No, the two small deposits will not be withdrawn.

On the app, choose “Money Movement” from the bottom menu, select “Standard Transfer,” then click the “To Account” drop down menu and select your external account. On a desktop, choose “Transfer and Pay” from the top menu, click “Transfers,” then select the “To Account” drop down menu and click your external account.

On the app, choose “Money Movement” from the bottom menu, select “Scheduled Transfers,” then click the scheduled transfer you wish to cancel. Once selected, click “Cancel Transfer,” enter a reason for cancelation and then confirm by clicking “Cancel Transfer.”

On the desktop, choose “Transfer & Pay,” then select “Scheduled” and select the transfer in question by clicking the three dots located to the right of the transfer. From here, click on “Cancel Transfer,” enter cancelation reason, and confirm by clicking “Cancel Transfer.”

It can take up to five business days for an external transfer to be deposited to an account.

On the app, choose “Deposit Check” 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.

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.

On the app, choose “More” from the bottom menu, select the “Account Services” drop down and click “Check Services.”

There is no fee if the stop payment is requested through Digital Banking. There is a fee if the request is made at a branch or calling our Contact Center. See our fee schedule for details.

On the app, choose “More” from the bottom menu, select the “Account Services” drop down, click “Check Services,” then select “Order Checks.” Please note that the following types of check orders need to be requested by speaking to a Credit Union employee:

Initial checks
Orders that haven’t been placed within the past four years
Checks for Star Members
Checks for Money Market Accounts or Home Equity Lines of Credit (HELOC)

The first step is to purchase a plan with Quicken that meets your needs. Quicken is typically used to track personal finances and QuickBooks is for businesses.

Log in to Digital Banking using a web browser and click on the account from which you want to export transactions. Select the download icon located near the person icon (right auxiliary menu) to export your transactions. Follow the prompts to select the account, appropriate file type (Quicken Web Connect-QFX or QuickBooks Web Connect-QBO) and transaction period. Then, import the file into Quicken or QuickBooks.

Alerts are notifications that you can elect to receive to stay informed about activity on your accounts and changes to your security preferences. You can choose to receive alerts via email, text and push notifications for mobile devices.

You can set up the following Security Alerts:

Change ID or password
The email address where I receive alerts is changed
Alert phone changed
Alert preferences changed
PIN Enabled
PIN Disabled
Settings changed
Transfer above: you can select the amount

Click on Resources, then select Alerts to go to Alerts page. From here, simply select the Alert category, then the Alert you want and click to toggle on. Once selected, setup the details of the alert and how you want to receive them and click Save to complete.

The web browser is designed to fit on a screen the size of an iPad or bigger. It does not scale down to fit on a smaller device such as a phone. To use Digital Banking on a phone, download the app.

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.

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

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."

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

eStatements are a convenient way of going paperless. eStatements are sent as a monthly email notification to let you know that your statement is ready to be viewed through Digital Banking. If you ever need a copy, log in to Digital Banking and you’ll have access to your statements for the previous 48 months. Tax statements are also available in Digital Banking.

In the app, choose “More” from the bottom menu, click on “Accounts” and select “Documents and Statements,” then select which statement type you want to view.

On desktop choose “Accounts” from the top menu, select “Documents and Statements,” then select the statement type you want to view.

We will never email you your account number or any other information about your account. We just email you to let you know that you can log in to Digital Banking and check your information.

We never share your information with anyone else. On occasion we may email you information about new products, services or rates. As your Credit Union, we will always have your best interest in mind.

eStatements become available the first week of each month.

Log in to Digital Banking, click the person icon, select “Settings,” then choose “Security” to update your password.

In Digital Banking, click the person icon in the top-right corner, select “Settings,” then “Contact” to update your personal information. Be sure to save your changes.

Zelle has announced it will discontinue its standalone mobile app. Beginning March 31, 2025, existing users will no longer be able to send or receive money using the Zelle app.

You can continue to use Zelle—but only through a bank or credit union that offers Zelle in their mobile banking app. The standalone Zelle app will no longer function after March 31, 2025.

No, we do not currently offer Zelle in Digital Bankiing. We plan to offer Zelle in summer 2026

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Digital Banking

What is Apple Pay®?

What devices are compatible with Apple Pay®?

Is Apple Pay® safe?

How do I add my card(s) to Apple Pay®?

What if I receive the message “could not add card” during enrollment?

What if I receive the message “your issuer does not yet offer support for this card” during enrollment?

How do I make my Educational Systems FCU card the default card?

When my card expires, do I have to enroll my new card?

How do I use Apple Pay® at the register?

What if my Apple Pay® transaction is declined?

What happens if my device is lost or stolen?

What happens if I have an Apple Pay® dispute or fraud claim?

What if I don’t know my username?

What if I don’t know my password?

What are the password requirements?

What is Member Authentication?

Once I’m logged in to Digital Banking, how do I change my password?

How do I log in to the Digital Banking app using biometrics?

How do I log out of Digital Banking?

How do I update my email address, phone numbers and address?

How do I view my accounts?

How do I view my account details such as payment due date, minimum payment amount and payoff amount?

Where do I find my transaction history?

How do I add a memo to a transaction?

How do I add a nickname to my account?

How do I hide or unhide an account?

How do I transfer money between my accounts or make a payment to a loan?

How do I schedule a recurring internal transfer?

How do I cancel a recurring internal transfer?

How do I transfer money to my Student Loan?

Is there a limit on the amount that can be sent to or from another financial institution using the External Transfers feature?

From which account can I send an External Transfer?

How do I add an external account to transfer money to another financial institution?

What do I do if I added an external account, but entered the wrong test deposit amounts, which caused my account to be frozen?

What do I do if I added an external account, but entered the wrong test deposit amounts, which caused my account to be frozen?

If I add my external account manually, will the two small deposits be withdrawn from my account?

Once my external account is added, how do I schedule an External Transfer?

How do I cancel an External Transfer?

How long does it take for an external transfer to be processed?

How do I deposit a check using Mobile Deposit?

How do I endorse my check?

How can I be sure the deposit image is accepted?

What will happen if I don't endorse my check properly?

What’s the maximum amount I can deposit using the Deposit Checks feature?

Can I deposit more than one check at a time?

What accounts can I make deposits to using Mobile Deposit?

How will I know when my check deposit posted to my account?

How long before funds become available using the Check Deposit feature?

What is the daily deposit cut-off time to be considered deposited on the same day?

Can a deposit be canceled once it’s submitted through Digital Banking?

How do I place a stop payment on a single check or range of checks?

Is there a fee for placing a stop payment fee?

How do I reorder checks through Digital Banking?

I have never used Quicken, QuickBooks. How do I get started?

How do I export a file from the Credit Union to Quicken or QuickBooks?

What are Alerts?

What Security Alerts can I set up?

How do I set-up Alerts?

I tried to use Digital Banking on a web browser on my phone, but the content doesn’t fit on the screen. What should I do?

What do I need to start using Bill Pay in Digital Banking?

Can I set up recurring payments in the Digital Banking app?

I have a checking account, but the feature is not available. How do I access Bill Pay?

I tried to set up a bill to be paid on the next day, but made the payment after 5:00 pm. Will my payment be processed the next day?

When is the money for the payment withdrawn from my payment account?

How do I view my payment history in Bill Pay?

Why did my Bill Pay payment(s) not come out on the scheduled payment date(s), but the screen shows that the payment has been made?

When my Bill Pay page says a payment is "pending" what does that mean?

When my Bill Pay page says a payment is "processing" what does that mean?

Can I modify my "Biller" information anytime?

I saw Bank of America on my account history. I never asked to make a payment to Bank of America.

What if a check sent out by my Bill Pay account gets lost and is never received by the payee?

What does the "e sign-up" icon next to most of my payees mean?

When I log out of Bill Pay it takes me to the homepage. Do I need to sign back in?

When I go to the Bill Payment tab it does not give me the option of paying bills.

How do I know if I have set up recurring payments for a payee?

I set up a payment to be made, but it didn’t happen.

How does a recurring payment show in the payments section (right side of the window)?