Online Banking FAQs

You will need to register the first time you visit the Online Banking system. Simply follow the on-screen prompts, select a username, choose a password and answer three security questions.

For added security, you will be prompted to enter a one-time 6-digit code that will be sent to you via text, automated phone message or email.

Watch our quick video on How to Register through the Mobile Banking app. 

• Account Number (Find it on your paper statement or your membership card)
• Primary Member's Social Security Number (last 4 digits)
• Primary Member's Date of Birth (MM/DD/YYYY)
• YOU MUST click on the "Online Banking Terms and Conditions" link before you can type 'yes' to accept.
• For added security, you will be prompted to enter a one-time 6-digit code that will be sent to you via text, automated phone message or email.

Watch our video on How to Register here.

You can find your VCCU member number located on your monthly eStatements, Online Banking profile, membership card or printed on your checks.

After four unsuccessful sign in attempts you will be taken to the Unlock Online Banking screen. From there you can choose to unlock your account online by following the prompts on the screen, or call us at 805.477.4000 for assistance during our regular business hours.

Information you will need to unlock your account online:

• Username
• Answer your security question (1 of 3)
• Enter a one-time security passcode to be sent via text or automated phone message

Please Note: If you have forgotten both your Username and Password, you will need to contact us to reset your account.

1. iPhone users can download the VCCU Mobile app from the Apple store.*
2. Android users can download the VCCU Banking app through the Google Play Store.*
   • You can register directly through the Mobile app or the Online Banking website.
   • Note: You will use the same username and password from Online Banking to sign into Mobile Banking.

*Data and other wireless charges may apply.

Two-Factor Authentication (2FA) provides an added layer of protection and security when accessing your accounts through Online and Mobile Banking. View our step-by-step guide for 2FA How To for Mobile Banking here or watch our video below.


2FA requires an additional login credential beyond your username and password to verify your identity. When using the VCCU Mobile app and Online Banking, you will be asked to verify your identity with a one-time 6-digit  verification passcode:

• At first Sign In
• On an unrecognized device
• If you do not select “Remember This Device”
• If you make changes to your account information or add Travel Notes
• Every 90 days

Note: You will be asked to verify your identity only once per session. 

You can update your phone number(s), mailing and delivery addresses, password and security login questions all from your Profile in Online or Mobile Banking. To get started, simply log into Online or Mobile Banking and select Profile from the menu. From there you will see options to edit your personal and contact information. 

For more details, watch our short video on How to Update Your Personal Information.   

Alerts are a great way to stay on top of your finances. Choose from a list of existing alerts or customize your own. You'll have to option to set up the frequency (daily, weekly, monthly) and whether they come through by email or text message. Some examples include:

• Balances over or under a certain dollar amount
• Loan payment due or past due
• When your electronic deposit comes through
• When someone has signed into your account

To get started, log into Online Banking and select Alerts from the top menu. There you will see a list of alerts available to you or you can create your own custom alert. For more details, watch our video on How to set up Alerts.

If your electronic statements are not showing up, click on the Payee Name and then click on Set up eBill link under Additional Actions and follow the prompts.

You will need to enter your login credentials for the payee’s website and you must have access to the vendor’s website before the eBill can be added. If you do not have online access, click on the link shown and you will be directed to their site. For additional set up information, please click the View demo link located in the top right corner of the Payments screen.

• Make sure you backup all data first
• De-activate all VCCU accounts (see instructions)
• Re-activate all VCCU accounts (see instructions)
• Check for duplicates and missing transactions

Instructions for Windows or Mac.

When you log in to the Online Banking system, on the 'Accounts' tab under 'Account Summary' click 'options'. You will have the choice to download to either Quicken or QuickBooks.