FAQs
Frequently Asked Questions
ATM
Please follow our step-by-step guide to deposit a check at our ATM.
Digital Banking
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: (!@%$^&*_+= () [] {} :;,./?)
Log in to Digital Banking, click the person icon, select “Settings,” then choose “Security” to update your password.
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.
Alerts notify you about important account activities such as deposits, withdrawals, low balances, and security changes.
Select Reorder Checks, then click Order Checks. You will be redirected to the check supplier website to complete your order.
Digital Banking 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
- Block/unblock card
- Set transaction limits
- Control merchant types and transaction types
- Regional and international alerts
Digital Banking Financial Wellness
The Financial Wellness Widget is a Digital Banking feature that helps members manage their financial health. It includes tools like Savings Goals and Spending Analytics.
Log in to Digital Banking and select the Financial Wellness Widget from your dashboard. From there, you can create savings goals and view spending insights.
Savings Goals allow you to set, track, and manage personalized savings objectives. You can allocate funds, monitor progress, and receive alerts when goals are endangered or completed.
Yes. All Financial Wellness features are available on both desktop and mobile platforms.
No. These tools are for planning and tracking purposes only and do not change your account balances unless you transfer funds manually.
Digital Banking Money Movement
No. Once a deposit is submitted, it will begin going through the deposit process.
Direct Deposit Switch
It’s a secure digital tool that lets you move your paycheck (or part of it) to your account without paperwork or contacting HR.
Most members complete the setup in under 5 minutes, and deposits typically begin the same or next pay cycle.
No. Your payroll information is updated directly through your employer’s payroll system.
Yes—if your employer allows it, you can choose a full amount, a fixed dollar amount, or a percentage of your paycheck.
If partial deposits aren’t supported, you’ll still be able to move your entire paycheck to your account.
Yes. You sign in directly to your payroll provider, and your credentials are not shared with or stored by us.
The service works with 480+ payroll providers and thousands of employers nationwide.
If your employer isn’t available, you won’t be able to complete the switch digitally at this time, but you can still use your employer’s standard process.
No. Your existing deposit stays active until your payroll system completes the change.
Yes. Direct Deposit Switch works in Digital Banking.
No—Direct Deposit Switch is free for members.
You’ll see clear on screen guidance, and our support team is available if you need help.
Membership, Checking, Digital Banking
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.
Other Services
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
Overdraft Coverage, Courtesy Pay
On desktop:
- Sign in and go to Account Services → Courtesy Pay.
- Review the program information and click See More to expand details.
- For each eligible checking account, choose Opt In or Opt Out.
- For each eligible checking account, choose Opt In or Opt Out.
Yes. After you opt in or opt out, the system sends a confirmation email indicating whether the change was successful.
- Checks
- ACH Automatic Debits
- Bill Pay Items
- Teller Window Transactions
- ATM Transactions*
- Debit Card Transactions*
- *Premium Courtesy Pay Only
Your selection is processed and reflected on your account in real time.
Quicken, QuickBooks
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.
Security
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.