Online Banking FAQs

How do I re-enroll to use the enhanced Ideal Digital Banking?

You will need to re-enroll in the enhanced Digital Banking once it is available on Tuesday, September 25th. Use the re-enrollment checklist below as a guide for what to do before and after the upgrade.

Re-enroll - then download the enhanced app

1. You can re-enroll by selecting the "Re-enroll in Digital Banking" button located on our homepage.
2. To use the enhanced Digital Banking app, you will need to:
   
   • Uninstall any current Ideal app if it is installed.
   • Download the app again by searching "Ideal CU" in your device's app store.

New users

Enrollment for new users (members who have never used an Ideal Online or Mobile Banking product) are unable to enroll at this time. This is only temporary and members will be notified once new enrollment is available.

How do I get the enhanced Mobile app?

You can download the enhanced Ideal Digital Banking app from your device's app store.

• NOTE: You will need to uninstall your current Ideal Mobile Banking App and re-download it for the enhanced app to work
• Download the iOS app
• Download the Android app

I have never used an Ideal Online Banking product how can I enroll?

Enrollment for new users (members who have never used an Ideal Online or Mobile Banking product) are unable to enroll at this time. This is only temporary and members will be notified once new enrollment is available.

I’m an existing member with multiple member numbers in my name. How do I know which Access ID (now referred to as Username) to use?

The enhanced Digital Banking lets you access all your Ideal Credit Union accounts under one Username. Therefore you may use whichever Username you prefer with corresponding member during re-enrollment.

Can I use the same app I had before?

No. You will need to uninstall the old Ideal Mobile Banking app and install the new enhanced Ideal Digital Banking app. NOTE: You will need to re-enroll on desktop or mobile browser before you can login using the enhanced app.

Why isn't my app working?

You will need to uninstall the old Ideal Mobile Banking app and install the new enhanced Ideal Digital Banking app. NOTE: You will need to re-enroll on desktop or mobile browser before you can login using the enhanced app.

Is the Ideal Digital Banking App compatible for both Apple and Android devices?

Yes.

• Apple (iOS): Requires iOS 9.3 or later. Compatible with iPhone, iPad, and iPod touch.
• Android: Requires Android 5.0 and up.

What is the Account Snapshot feature? And, how do I set it up?

Account Snapshot allows you to view selected accounts without logging in when you launch the Digital Banking app. To set-up Account Snapshot,

1. Click the Settings tab.
2. Click Snapshot.
3. Choose the accounts you want visible.

When you want to see your balances, tap the “Snapshot” on the app login screen – all without having to login to app.

Can I customize the display settings on the Digital Banking Dashboard?

Yes. Ideal Digital Banking puts you in control. To rearrange your Widgets (main menu tools), click on the “More” button and choose “Widget Options”. Here you can choose which Widgets you want displayed in your main menu.

On the Accounts page, what is the difference between my available balance and my current balance?

The available balance on the Accounts page reflects pending transactions and/or account holds while the current balance does not.

I don’t see my Transaction Categories I had set up in the old system. Do I need to reset them?

Yes. You will need to reset your Transaction Categories in the enhanced Ideal Digital Banking. You can set your Transaction Categories using the Accounts widget. Under each transaction in your history, select the “Add a category” button to categorize the transaction.

Will my scheduled payments and payees stay the same after the upgrade?

Yes. Your scheduled payments and payees will stay the same after the upgrade.

Is anything changing with Bill Pay?

Bill Pay will work the same as it did before, but with an upgraded look and feel.

How do I access the Transfers widget?

To access the Transfer feature, click the Transfers widget on the main menu.

How do I set up a scheduled transfer?

Click the Transfers widget on the main menu. Select a From and To Account, and amount. Then at the bottom you can select a date and frequency (One Time or Recurring).

Can I view completed transfers?

Yes. Completed transfers can be viewed on the “History” page under the Transfers widget.

Where can I find a list of my upcoming transfers?

Upcoming transfers can be viewed on the “Scheduled” tab under the Transfers widget.

How can I delete a recurring transfer?

Scheduled or recurring transfers can be deleted from the “Scheduled” tab under the Transfers widget. Click on the date of the transfer you want to delete. Then select it from the bottom of the screen and click the Trashcan icon to delete it.

How do I find the Settings page?

To find the Settings page, click the dropdown next to your name on the top of the screen. Click Settings.

How do I manage my security settings?

Learn how to manage your Security Settings.

What is a widget?

Widgets are the icons that appear in your main menu. Each widget represents a different Digital Banking tool or other feature. You can see all widgets by clicking the More Widget in the main menu.

What can I do on the Settings page?

Within settings, you’ll be able to personalize the look and feel of your Digital Banking experience, including your profile, contact information, alert notifications, and more!

Can I change my Username (formerly Access ID)?

Yes. You can change your Username after you re-enroll in Ideal Digital Banking. To change your Username, go to the Settings page and select the Security tab.

How can I set up Account Notifications (formerly eAlerts)?

You can set your Account Alert using the Notifications tab under the Settings widget. You will need to reset any alerts you had set up in the old system in the enhanced Ideal Digital Banking.

How do I make a credit card payment?

To make a payment to your Ideal Credit Card:

1. Click on the Dashboard Widget.
2. Find your credit card in the My Accounts listings.
3. Click the "Pay" button next to your credit card.
4. The Transfers page will appears. In the first dropdown, select the account you want the payment to come from. In the second dropdown, select your credit card.
5. Click the "Submit Transfer" button.

How do I get into my credit card account?

To access your credit card account where you can check transaction history, request a balance transfer, and more:

1. Select the More Widget from your widget menu.
2. Next select the Credit Cards Widget.
3. You will be forwarded to Access Point.
   NOTE: You will need to enter your card information one time. After that, this will automatically forward you to your credit card account.

How do I make a mortgage payment?

To make a payment to your Ideal CU Mortgage Loan:

1. Click on the Transfers Widget.
2. Select the account you want to pay from in the first dropdown.
3. Select your mortgage loan account in the second dropdown.
4. Choose from Amount Due or Principal Only (partial payments are no longer accepted).
5. Click the "Submit Transfer" button.

Why can't I make a partial payment?

Partial payments are no longer accepted. You must now choose from Amount Due or Principal Only.