FAQs

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 wil 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: (!@%$^&*_+= () [] {} :;,./?)

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.

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.

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.

Need help? Contact us your way—send a Secure Message, start a chat, or give us a call. We’re here to help.

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.

Please follow our step-by-step guide to deposit a check at our ATM.

Log in, go to Account Services > Manage My Cards.

You can do the following in Card Management:

• Activate a card and set your PIN
• Replace a lost/stolen/damaged card
• Set travel notifications
• Manage transaction alerts and controls
• View digital card details

To activate your card, click Set up Card, enter CVV, and confirm. If you don’t have the physical card yet, use Digital Card Display and complete secondary verification.

Yes, you can set your PIN online. After activation, select Update PIN in the setup workflow and follow the prompts.

To replace you card, click Replacement Options, choose Lost, Stolen, or Damaged, and confirm. Lost/Stolen shuts off the card immediately. Damaged keeps it active until replacement arrives.

Click Travel Notices, add dates and destinations and apply to multiple cards if needed.

You can manage the following alerts and controls:

• Block/unblock card
• Set transaction limits
• Control merchant types and transaction types
• Regional and international alerts

To block/unblock you card, toggle Block Card under Alerts & Controls and confirm contact details.

You’ll receive notifications via your chosen method (Email, SMS, or Push).

Log in to Digital Banking. Click on “Reorder Checks” from the left side bar menu. This will bring you to Harland Clark’s website. 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)

Members between the ages of 13 and 15 can open a checking account with a joint owner. At age 16, students can have their own checking account. To open an account, students need to provide a school ID or photo identification as well as proof of address using a report card or a statement from a financial institution.

With our domestic wire transfer services you can send and receive guaranteed funds to companies and individuals. Outgoing international wire transfers are not available.

Members can request a wire transfer by calling the Contact Center at 301.779.8500 for amounts of $500,000 or less. (Wire transfer requests over $500,000 must be completed in a branch.)  To submit the request through the Contact Center, the following requirements must be met:

A Wire Transfer Agreement must have previously been completed in a branch or it can be notarized and sent via mail or FedEx.  The original document must be sent to the following address:
Educational Systems Federal Credit Union
Attention: Contact Center
7500 Greenway Center Drive, Suite 1400
Greenbelt, MD 20770

Upon receipt of the Funds Transfer Agreement, verbal verification of all the information is required.  Once verified, the Wire Transfer Agreement will expire after three years (from the date of verification).

A Wire Transfer Request form must be submitted by faxing it to 301.985.4661 or mailing it to the address listed above. (Emailed forms are not accepted.) Verbal verification of all information is also required.

It is recommended that the Funds Transfer Agreement and Wire Transfer Request form be submitted at least two to three business days prior to the wire date. This allows time for the required verbal verification.

Your name, address and phone number on file with the Credit Union must match the information provided on the completed Funds Transfer Agreement and Wire Transfer Request form. If an update to your account information has been done within the past 45 calendar days, then the wire transfer request must be made in a branch.

For same day wire transfers, the request must be submitted by 3:00 pm.

There is a $30 per transfer fee to send a wire, which is waived for Star Members. There is no fee to receive a wire transfer.

To receive a wire transfer in your Educational Systems FCU account, provide the following information to the sending financial institution or individual:

Routing number: 255077008

Your account number

Type of account: checking or savings

Credit Union address:
7500 Greenway Center Drive, Suite 1400
Greenbelt, MD 20770

Credit Union phone number: 301.779.8500

To send a wire transfer from your Educational Systems FCU account, provide us with the following:

Name/title on the account at the receiving financial institution

Receiving financial institution's routing number

Account number at the receiving financial institution

Type of account

Receiving financial institution's address and phone number

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.

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

Download apps that have an established reputation from a trustworthy source. Prior to downloading an app, review the privacy policy and data access. Remove apps you no longer use.

Your own personal, secure Wi-Fi network is probably safe, but public Wi-Fi is not. It’s advisable that you use your mobile device's wireless network instead of public hotspots. Before logging into Digital Banking, turn off your phone’s Wi-Fi and bluetooth for further protection.

Phishing is the act of sending a fraudulent email that looks like it's from a legitimate business. The email requests your personal information, such as your account number or Digital Banking log in credentials. The email could also include a link to a legitimate looking website for you to provide your information.

We will never send you an email asking for your personal information because we already have it on file.

Please call us at 301.779.8500 or email [email protected].

Always use anti-spyware, anti-virus and anti-malware programs provided by a reputable vendor. Update your software frequently to ensure you have the latest security patches. This includes your computer’s operating system and other installed software such as web browsers, Adobe and Microsoft.

Public computers are not as secure as your own computer, but if you do need to use a public computer, log out immediately after you are done. Exiting the program is not enough.

Discontinue using it for Digital Banking, shopping and other activities involving your personal information. Use security software and/or professional help to restore security. Review your account information frequently and change your passwords from a different computer.