Digital Banking
Frequently Asked Questions
Have questions about the enhanced Ideal Digital Banking? Choose from the topics below to find answers to common questions.
- General FAQs
- Mobile Banking FAQs
- Accounts Widget FAQs
- Bill Pay Widget FAQs
- Transfers Widget FAQs
- Settings Widget FAQs
- Credit Card Management FAQs
- Mortgage Management FAQs
General 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
- You can re-enroll by selecting the "Re-enroll in Digital Banking" button located on our homepage.
- 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.
Mobile Banking (App) FAQs
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,
- Click the Settings tab.
- Click Snapshot.
- 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.
Accounts Widget FAQ
Learn how to use the Accounts Widget. Included in this video:
- Accounts Overview
- Viewing transaction history
- Setting Transaction Categories
(starts at 1:00) - Viewing Account Details
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.
Why are all my accounts from all my member numbers showing?
Ideal Digital Banking displays all your accounts at Ideal Credit Union under one Username profile. To see details of a specific account, click that account.
Are pending transactions included in my available balance?
Yes, pending transactions are included in your available balance as well as the balance listed under the “My Accounts” area of the Digital Banking page. Please note: the account activity page may not list pending transactions.
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.
Bill Pay Widget FAQs
Learn how to use the Bill Pay Widget.
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.
Transfers Widget FAQs
Learn how to use the Transfers Widget. Included in this video:
- Schedule one-time and recurring transfers
- Transfer to another member's Ideal CU account
(starts at 1:24) - Transfer to external accounts you own at other financial institutions
(starts at 3:27) - Viewing or canceling scheduled transfers
(starts at 6:07) - Viewing transfer history
(starts at 6:45)
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.
Settings FAQs
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.
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.
Credit Card Management FAQs
How do I make a credit card payment?
To make a payment to your Ideal Credit Card:
- Click on the Dashboard Widget.
- Find your credit card in the My Accounts listings.
- Click the "Pay" button next to your credit card.
- 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.
- 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:
- Select the More Widget from your widget menu.
- Next select the Credit Cards Widget.
- 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.
Mortgage Management FAQs
How do I make a mortgage payment?
To make a payment to your Ideal CU Mortgage Loan:
- Click on the Transfers Widget.
- Select the account you want to pay from in the first dropdown.
- Select your mortgage loan account in the second dropdown.
- Choose from Amount Due or Principal Only (partial payments are no longer accepted).
- Click the "Submit Transfer" button.