FAQs
Frequently Asked Questions
Digital Banking
From the Digital Banking app or a desktop web browser log in screen, click on "Forgot Username". Then enter your SSN/Tax ID, DOB and Zip Code. You will also need to enter either your Email or Last Name to complete the verification process and reset your username.
From the Digital Banking app or a desktop web browser log in screen, click on “Forgot Password”. You will be prompted to an agreement to ensure secure access. Once you agree, username and one or more of the following: SSN/Tax ID, DOB, Zip code or email address to complete the verification process. Once verified, you will be prompted to create a new password.
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: (!@%$^&*_+= () [] {} :;,./?)
To set up a recurring transfer, choose an option from the “Frequency” drop-down.
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.
- Checking Accounts
- Savings Accounts (excluding IRAs, Collateralized Savings and Special Purpose Clubs)
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 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.
Download Apple Mobile App
Download Android Mobile App
Please note: Mobile Check Deposit is no longer available through desktop or browser upload. All check deposits must be completed through the mobile app.
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.
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.
Select Reorder Checks, then click Order Checks. You will be redirected to the check supplier website to complete your order.
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 notify you about important account activities such as deposits, withdrawals, low balances, and security changes.
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
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.
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 $91.00
eStatements are a convenient way of going paperless. eStatements are sent as a monthly email notification to let you know that your statement is ready to be viewed through Digital Banking. If you ever need a copy, log in to Digital Banking and you’ll have access to your statements for the previous 48 months. Tax statements are also available in Digital Banking.
On desktop choose “Accounts” from the top menu, select “Documents and Statements,” then select the statement type you want to view.
We will never email you your account number or any other information about your account. We just email you to let you know that you can log in to Digital Banking and check your information.
We never share your information with anyone else. On occasion we may email you information about new products, services or rates. As your Credit Union, we will always have your best interest in mind.
eStatements become available the first week of each month.
Log in to Digital Banking, click the person icon, select “Settings,” then choose “Security” to update your password.
Certificate accounts may be opened online, once you have an established membership account.
Create a password that is at least 8 characters or more, uses at least one upper case letter, one lower case letter, one number and it is optional to include one special character: (!@%$^&*_+=() [] {} :;,./?)
A unique password should be created for each log in page you use. If you don't, then one breach could leave your other accounts vulnerable.
Log in to Digital Banking, click the person icon, select “Settings,” then choose “Security” to update your password.
When using the mobile app or Digital Banking, always ensure you have a strong password, avoid using auto-complete features that remember usernames and passwords and set your timeout screen to five minutes or less. Additionally, don’t store sensitive data on your mobile device, and be sure to use SSL encryption whenever using your mobile browser. Additional preventive measures include:
- Do not leave your device unattended
- Keep records of your device's identifying information
- Activate your phone’s anti-theft tracking service
- "Log off" when finished with an app or Digital Banking rather than closing it
Shared Access allows members to securely share account access with another member, such as a family member or trusted partner, through the Digital Banking platform. As the account owners (inviters), members can grant specific permissions like viewing balances, transferring funds, or paying bills, while maintaining control over their accounts.
You can share access with other members of the Credit Union who have or will create Digital Banking. Shared Access is not available for non-members.
From the Dashboard, select Resources > Settings. Click Shared Access, then Add a User. Enter the invitee’s details and select permissions for each account. Click Save, review details, and click Confirm. Expand the invitation to view the confirmation code and share it with the invitee.
The invitee receives an email with a link to log in or register for Digital Banking. They will need the confirmation code provided by the inviter.
Yes. You can edit permissions, resend expired invitations, or cancel/delete access anytime under Settings > Shared Access.
Invitations expire after 24 hours.
The inviter can see the status update from ‘Pending’ to ‘Active’ in the Shared Access screen.
On desktop: Go to Settings & Tools > Alerts. o On mobile: Tap Menu > Settings & Tools > Alerts.
Mandatory alerts (cannot be turned off): Security notifications like profile changes, password changes, and mobile deposit confirmations.
Opt-in alerts (you choose): Account balance, transaction alerts, loan payment reminders, savings goals, budgets, etc.
Yes. You can select Email, SMS, or Push Notifications for most alerts.
Mandatory alerts are required for security purposes (e.g., profile changes, locked account, non-registered device access).
Go to Alerts > Accounts > Balance Alert, enter your threshold amount, and choose your delivery method.
Real-time alerts: Sent immediately when an event occurs (e.g., transfer completed). o Scheduled alerts: Sent at set intervals (e.g., balance summary daily or weekly).
Yes, if you have previously logged into the app on that device and enabled notifications.
Yes. Use Transaction Alert for amount thresholds or Transaction Description Alert for keywords like ‘Coffee’ or ‘Car Payment’.
From the Dashboard, select Accounts in the top menu, then choose Balances and Transactions to view all accounts.
On the Certificate account page, click Certificate Details to see high-level information about the Certificate and maturity options.
Yes. Click the pencil icon next to Maturity Payment Method and choose Renew or Transfer.
Select a destination account for the funds to be deposited when the Certificate matures, then click Save Changes.
After you click Save Changes, the Certificate is updated in the core system and a maturity transfer record is created to process the transfer at maturity.
Yes, this feature only applies to non-IRA Certificates. Additionally, you will not be able to choose an IRA account as your maturity destination account.
Check Services allows members to reorder checks, place stop payment requests through Digital Banking.
Sign in, go to Account Services, then select Check Services from the menu.
From the Dashboard, select Accounts in the top menu, then choose Balances and Transactions to view all accounts.
- Account
- Check number or range
- Amount
- Payee name