Digital Banking

From the login screen:

• Click on the login button and click “Forgot Password?” located under the login box.
• Agree to the password safety guidelines and click continue.
• Confirm your identity. You will need your:
  • Current username
  • Social Security Number
  • Zip code on file
• Select the method by which you would like to receive your temporary password.
• Enter your username
• Enter the temporary password you receive. This password is good for 24 hours.
• Create your new password

Go to the login screen and select "Forgot Password". Follow the prompts to reset your password and this will unlock your account.

If you're new to VCCU or haven't registered for Online or Mobile Banking with us before, it's easy to get started!

1. Visit our website at vccuonline.net and select Register at the top right of the screen or go to your app store and download the VCCU mobile application
2. Or, from the login screen select "Register a New Account"
3. Select “Register as an Individual personal account” or if you are a business select "Register to my Business Account"
4. Read through the Disclosure and check “I Agree”
5. To Confirm Your Identity, you will need to enter your:
   • Member Number (can be found on your statements, checkbook or Member ID Card)
   • SSN, TAX ID or EIN if you are a business (Note: if you are having issues entering your numbers, please try adding dashes Ex. 000-00-0000)
   • Birth Date
   • And the email address that we have on file for you
6. Click "Continue"
7. Select the Password Reset Method of your choice to receive a temporary one-time passcode: Choose between SMS Text or text message or Voice Call, then select "Continue"
8. Once you have received your one-time passcode, enter it into the field provided, then click "Verify"
9. You will be asked to create a new password and ensure it meets all requirements
10. View the Online Banking disclosure and check the box next to "I agree", then select "Continue"

Security Tip: Never share your password with anyone. VCCU staff will never ask for your password, PIN or one-time passcode.

Yes, Spanish is available on the online desktop platform. At the top of the login screen, there is a Spanish and English option that can be toggled back and forth. For mobile, you will need to change your phone language settings to view the app in Spanish.

To access online banking, use Chrome, Edge, Safari or Firefox. Please make sure to disable pop-up blockers, as those will limit access to some online banking functions.

For both the mobile app and online banking desktop, go to the top right of your screen and select the Profile image > Log out.

Yes. If you have not already done so, you can bookmark this website: https://olb.vccuonline.net/Authentication 

Yes, on the new platform, we allow for member-centric logins - meaning each member will have a separate login and will have the ability to see all the accounts they are joint on. By default, joint accounts will not be shown, but you can easily go to Services > Settings > Accounts, and from there you can edit the visibility for each account you are an owner of.

Once you have logged into the new Online or Mobile Banking platform, click on the 'Services' tab from the top navigation menu, or if you're on the Mobile app select 'More' from the bottom menu and 'Services'.

1. Next, select 'Settings' and then 'Accounts'
2. In the Accounts section, you’ll find a list of all the accounts you have access to, including joint accounts, external accounts, and ACH accounts.
3. Click the 'Pencil' icon on the right-hand side of the account you would like to edit 
4. Here you have the option to give the account a nickname and assign a specific color
5. Uncheck the box next to 'Hide This Account' if you would like to see this account on your dashboard or make it available to transfer to.

Note: if you see an eye symbol crossed out with a line through it, that means the account is currently hidden and you will need to uncheck the 'Hide This Account box to see it.

You can set up direct deposit in one of three ways:

1. Through your employer – Complete a direct deposit form from your company’s payroll administrator or payroll system
2. Through VCCU Online or Mobile Banking – Go to Accounts > Direct Deposit and follow the prompts
3. Using VCCU’s Direct Deposit form – Fill it out, and give it to your company’s payroll administrator

Information you’ll need for all options:

• Your employer's name
• Your VCCU account number – Found at the bottom of your checks, at the top of your statements, or in Online Banking under Accounts.
• VCCU Routing Number – 322283505

If you need further assistance, please contact us during regular business hours.

Use Zelle to transfer money to family and friends you trust. To get started, log into Online Banking from your desktop or use the VCCU Mobile app on your mobile device.  

1. From the Dashboard or More menu, select Transfer & Pay > Zelle.
2. Verify Your Identity by sending a one-time password by text message or phone call. Select which option you prefer and click Submit.
3. Enter your 6-digit code and click Verify. 
4. Under Send Money with Zelle, you can Add a New Payee, Request Payment, Split a Bill and View Your Activity. 
5. To send money, select the Recipient by choosing from your existing contacts or by adding a new contact. To Add a New Contact, click the person icon with the plus sign in the top right corner of the menu.  
6. Enter the person’s U.S. cell phone number and their full name. Security reminder: always ensure you input the correct user information, and only send money to someone you know and trust.
   1. Select Add and Continue 
   2. Review the Reminder and Submit 
7. A notification will be sent by text message or email to the person you sent the money to, and you will see the transaction history under View Your Activity. 

To set up a new Payee:

1. From the dashboard or More menu, select Transfer & Pay > Bill Pay
2. From the Bill Pay dashboard, select + Add Payee
   1. Select Business or Person
   2. Complete the required fields

Once a payee is added, you can schedule a one-time payment, schedule a recurring payment, and view history.
 

From the main dashboard, select Transfer & Pay from the navigation menu > Transfers.

1. Under Transfer/Pay - Accounts: 
   1. From Account dropdown: select the account the funds are coming from.
   2. To Account dropdown: select the account the funds are going to.
   3. How Much: enter the amount you would like to transfer.
   4. When: Choose the frequency from One Time to Daily, Weekly, Bi-Weekly, Monthly, Etc.
   5. Date: Once you determine the frequency, choose the date you would like the transfer start date to take place. For example: if you select the frequency for End of Month, only that date will be available to choose from. ie. October 31, 2024. 
   6. Series Ends: Choose the date you would like the transfers to end. This can be set to Never, a specific date, or if you select Occurrences, you can enter the number of times you would like to have scheduled before it ends, ie. 6, 10, 12
   7. Memo: is optional and can be used to help you keep track of your transfers easily in your account history and statements 
2. Once you are finished, select Review Transfer.
   1. If everything looks correct, select Submit Transfer. If not, you can select Edit Transfer to go back and make changes. 
3. Additional Notes:
   1. Select Scheduled to see which payments you have scheduled, both one-time and recurring.  
   2. Select Activity to see past transfers history.

Yes! There are 3 different methods of linking and they all act a little differently.

1. Add External Account (preferred method): this will allow you to link accounts from other financial institutions to your account list. You can transact to and from this account. These accounts will not show on your dashboard.
2. Add External Account to view balance: this will add an account that is outside VCCU to your dashboard, but you will only be able to view  balances and transactions and will not be able to transfer to or from this account.
3. Manually Add an External Account: This will allow you to manually add an account from another financial institution. It may take up to 3 days to verify, and then you will be able to transfer to and from the account. This will also not show on your dashboard. 

Note: Any aggregated loan is not automatically available to ‘transfer to' - A manual external transfer will need to be created to transfer to these accounts/loans. 

Yes! To order checks, go to Accounts > Check Services > Reorder Checks.

Unfortunately, no. If your card is suspected of fraud the card will disappear from your card manager. It’s best to review your transaction history to see if any unusual transactions appear.  

Note: For added security, we recommend that you sign up for Fraud Alerts to receive an alert text message from us when we suspect fraud on your account. 

If you are unable to access the app, you may need to uninstall and then reinstall the app on your device. To uninstall your app:

1. Go to the Google Play Store
2. Tap the Profile icon in the top right 
3. Tap Manage apps and devices
4. Select the app to delete
5. Tap Uninstall

Then, go back to the Google Play Store and reinstall the VCCU Mobile app.


 

If an employer is not showing, they may not participate but can be added manually. Alternatively, if you do not find your employer’s name, you can check with your company's payroll provider (i.e., ADP, Paycom, etc).
 
Note: Not all employers support percentage allocation.

If you see a sad face ☹ next to any account on mobile, the account needs to be revalidated. You will need to go to Settings > Accounts to revalidate.  Alternatively, you can log into online banking from your computer or laptop, click on the red hand symbol, and use "This account needs attention" to resolve any revalidation required.

If a separate mailing address existed in the old digital banking system, it will carry over to our new system. If you need to add a new separate mailing address, please contact us or visit your local branch to get that updated.