Online Banking FAQ

I forgot my passcode

Q: I forgot my passcode. How do I reset?
Simply click the “Forgot Passcode” on the login box under where you put your credentials. You will be asked to validate yourself and then a temporary passcode will be emailed to you immediately. You will be asked to change your password right away.

Q: My screen says "Account Disabled" Can I still reset my passcode?
Yes, please use the "Forgot Passcode" feature despite your account being in disabled status. Click "Forgot Passcode" from the Disabled Account screen and a temporary passwcode will be emailed to you.

Q: I forgot my Access ID. What do I do?
Access IDs can not be reset automatically. To reset an access ID, you'll need to contact Ideal CU during normal business hours for assistance.

Access ID & Passcode


When I select my new Access ID, what should I choose
Can I use my member number or Social Security number as my Access ID
What makes a strong Passcode
Are my Access ID and Passcode case sensitive
I forgot my passcode. How do I reset
My account is disabled. What do I do



Q: What is my Passcode?
Once into the system, you’ll be prompted to select a new Passcode that is at least seven (8) characters long and contain at least 1 number and 1 letter. For added security, DO NOT use your Access ID for your password.

Q: When I select my new Access ID, what should I choose?
Your Access ID should be both easy for you to remember, but strong enough to be secure. We suggest it be between 5-20 characters and contain a combination of numbers, letters and special characters. Please do not use your Tax ID Number, Social Security Number, Member Number or any other online account numbers.

Q: Can I use my member number or Social Security number as my Access ID?
For security reasons, you cannot use your member number or Social Security for your Access ID. Please choose something you can remember that fits into the security criteria.

Q: What makes a strong Passcode?
A good Passcode is one you can remember while still being secure. Use special characters in place of letters, such as a 3 in the place of an E or @ in the place of an a. Avoid using a Passcode based on your name, address or other easily-obtained information. Ideal CU Online Banking has an additional security layer called Quality Passcode Evaluator. If the Quality Passcode Evaluator can guess your passcode, the system will immediately ask you to change your passcode.

Q: Are my Access ID and Passcode case sensitive?
Yes. All of your login credentials are case sensitive.

Q: I forgot my passcode. How do I reset?
Simply click the “Forgot Passcode” on the login box under where you put your credentials. You will be asked to validate yourself and then a temporary passcode will be emailed to you immediately. You will be asked to change your password right away.


Q: My account disabled. What do I do?
If you incorrectly input your Passcode three times, your account will move to a 'disabled' status. You can still reset your passcode on your own using the Passcode Reset feature while in disabled status.

New Users: Enrolling in Online Banking



I’ve never used Ideal CU Online Banking Before. How do I enroll

What browser do I need to access Online Banking


Q: I've never used Ideal CU Online Banking Before. How do I enroll
?
When you login the first time, use the enroll button on the Online Banking Login Box found on the homepages of www.idealcu.com. You’ll be required to provide your name as shown on your statement, member number, Social Security number and an email address. Member numbers DO NOT require the 000 in the front of the number for enrollmentFrom there, follow the on-screen instructions to create an Access ID and Passcode.
Online Banking Enrolling tip: DO NOT include the prefix 000 as your account number OR any sufix at the end (S1, S21, L29 etc). Use only the 7 digits as your account number


Q: What browser do I need to access Online Banking?
You will need a browser that supports 128 bit encryption as well as Internet Explorer version 7.0 or higher. The newest browsers all support this. To view eStatements, you will need a copy of Acrobat Reader.

Ideal CU has a troubleshooting guide for troubleshooting many browser versions including some mobile.

Transferring Funds



How do I transfer funds in Online Banking
I’ve set up a recurring transfer but don’t see it in my pending transactions. Why
How do I add an account in Online Banking
Can I see my completed transfers

Q: How do I transfer funds in Online Banking?
On the Transfers tab you’ll see the “From Account” and “To Account “options. All of your accounts, including your loans, will display in the drop-down menu. Enter a description, the Amount you wish to transfer, the Frequency, the Period (or number of times you wish to perform the transfer) and the scheduled transfer date. Options include:

  • One-time: transfer will only occur once.
  • Fixed recurring transfers: schedule a transfer for the same dollar amount each time.
  • Variable recurring: schedule a transfer to occur continually, say on the 15th of the month, but set a different dollar amount each time.
  • Occasional: these transfers are not recurring, but can be viewed in the Transfer history table if you should want to use them again.

Q: I’ve set up a recurring transfer but don’t see it in my pending transactions. Why?
Payments will post to your account but will not show in Online Banking as a pending transaction. Please use Future View to track those transfers/payments that are scheduled to be deducted from your account.

Q: How do I add an account in Online Banking?
If you are the authorized signer for an account, you can add it to Online Banking. To add an account, simply select the Accounts tab and the "+Add An Account” link near the top right of the page. You can request accounts be added that you are joint on. For example, a spouse or children’s account.

In addition, you can request Transfer Only rights to other accounts in which you are NOT an authorized user or joint on.

Q: Can I see my completed transfers?
Yes. See your account history under the Recent Transfers table on the Transfers page. There is also a View Transfer History link for older transfers.

Account Management



Why do you need my email address
What transactions or actions generate a security code email
How often do I need to change my Passcode
I forgot my passcode. How do I reset
Will I need to update my security questions
Can I search and download my account history
How do I categorize my expenses
Can I change my Quick History settings
What’s Future View
How do I add an account in Ideal CU Online Banking
I manage an account at Ideal CU for a local organization (school, sports teams, scout troops etc). Can I use Online Banking
I’ve set up a recurring auto or mortgage loan payment but don’t see it in my pending transactions. Why

Q: Why do you need my email address?
When you use certain features like Bill Pay, eStatements and Notify Me Alerts, we will generate and email a security code you will use to access the requested service. This measure helps keep your info safe, secure and for your eyes only.

Q: What transactions or actions generate a security code email?
To add further protection to your finances when entering Bill Pay or Transfer Funds for the first time, you will be asked for a one-time security code that will be sent to the email address we have on file for you. In addition, if you login to Online Banking from another computer or if your browser cookies are deleted, you will be asked to enter the security code again.

Q: How often do I need to change my Passcode?

We recommend that you change your Passcode every 90 days. A good rule of thumb is to change yours every season.

Q: I forgot my passcode. How do I reset?
Simply click the “Forgot Passcode” on the login box under where you put your credentials. You will be asked to validate yourself and then a temporary passcode will be emailed to you immediately. You will be asked to change your password right away.

Q: Will I need to update my security questions?
The more often these questions change, the more secure your login will be. In addition, having unique questions and unique answers increases your online security.

Q: Can I search and download my account history?
Yes. You’ll find the Account History page under Accounts. Then select the History link. There you can search by Transaction Type (check, debit, credit) share draft (check) number amount range and even Transaction Categories. For example, you can search for your salary or direct deposit history with a click.

Q: How do I categorize my expenses?
See how you’re earning and spending your money. In the Account tabs select your account and then in detailed/recent transactions categorize your expenses. Select a category from the provided list, which includes both income and expenses. Or simply add your own. You can also add a descriptive memo to a transaction, such as: Payday November 12.

Q: Can I change my Quick History settings?
Certainly. View your Account History by date range or transaction number.

Q: What’s Future View?
Future View is a budget tool to help plan for future transactions and project what deposits or debits will occur on your account in the future. For example: if you pay your auto insurance premium every six months, use Future View to input when your next premium is due. That way, you can plan to save enough to pay your auto insurance premium.

Q: How do I add an account in Online Banking?
If you are the authorized signer for an account, you can add it to Online Banking. To add an account, simply select the Accounts tab and the +Add An Account” link near the top right of the page. You can request accounts be added that you are joint on. For example, a spouse or children’s account.

In addition, you can request Transfer Only rights to other accounts in which you are NOT an autorized user or joint on.

Q: I manage an account at Ideal CU for a local organization (school, sports teams, scout troops etc). Can I use Online Banking?
As long as you are the authorized signer for the account, you can add it to Online Banking. To add an account, simply select the Accounts tab and the +Add An Account link near the top right of the page.

Q: I’ve set up a recurring auto or mortgage loan payment but don’t see it in my pending transactions. Why?
At one time, payments displayed in Online Banking as pending transactions. These payments will continue to post to your account, but will not show in Online Banking as a pending transaction. Please use Future View to track those transfers/payments that are scheduled to be deducted from your account.

Q: How do I use Quicken with Online Banking?
Get your latest transactions from Online Banking as you normally do. Now, from inside the Quicken software, deactivate your Ideal Credit Union account. Finally, reactivate your account by simply logging in to Online Banking and downloading your transactions into Quicken and following the on-screen instructions. If you have never used Quicken with Online Banking, simply login to Online Banking and download your transactions into Quicken. Be sure to follow the on-screen instructions to establish a connection with Ideal Credit Union .

Q: What if I run into trouble updating Quicken?
There are many versions of Quicken. Therefore it may be necessary to visit www.intuit.com/support/quicken to locate step-by-step instructions for your operating system and software.

Using Bill Pay



How do I sign up for Bill Pay

What info do I need to establish a payee
What’s an eBill
When are payments made? How many business days

Q: How do I sign up for Bill Pay?

You’ll need to have both access to Ideal Online Banking and a Ideal Credit Union checking account to use Bill Pay. If you have both, simply click the Payments tab to request access to bill pay.

Q: What info do I need to establish a payee?
Your account number as it appears on your statement, an address and the zip code for the person or business you are paying.

Q: What’s an eBill?
Depending on the business, you can choose to get an electronic version of your bill delivered in Bill Pay or an online reminder or email notification when your bill is due or has been paid. Best of all, that bill comes directly to your Bill Pay page.

Q: When are payments made? How many business days?
The answer depends on the bill being paid. You can select what day you’d like the business to receive your payment. The payment is sent in enough time to meet your selected date.

Receiving eStatements



Will I still get paper statements when I sign up for eStatements
Do I need an email address to receive eStatements
I have a Ideal Credit Union Visa Credit card. If I sign up for eStatements, will I get eStatements for my Visa bill too?
Why are eStatements a good idea?
What are the browser and software requirements for eStatements?
Can I print my eStatements?


Q: Will I still get paper statements when I sign up for eStatements?

No. You’ll no longer receive a paper copy of your Ideal Credit Union statement. Using the eStatements service is the only way to see a rendering of your actual monthly statement. Account history can be viewed at any time in any date range in the Accounts tab.

Q: Do I need an email address to receive eStatements?
Yes. You can update your email address in Online Banking under the User Services tab. Then locate the Update Email Address under Manage Account. We’ll notify you via email when your statement is ready to view.

Q: I have a Ideal Credit Union Credit card. If I sign up for eStatements, will I get eStatements for my bill too?
No. eStatements for  share and loan accounts and eStatements Ideal Credit Card are two different services. You can sign up for eStatements by locating your Ideal Credit Card account in the Loans and CC box on your accounts tab in Online Banking. Select the desired Credit Card account would to add eStatements. While in the portal, select Online Services, then modify your eStatement profile.

Q: Why are eStatements a good idea?
Receiving eStatements is more secure than receiving paper statements in your mailbox. Your monthly statement is ready for viewing days earlier and all you can archive all your monthly statements in one convenient place.

Q: What are the browser and software requirements for eStatements?
For eStatements, you will need Acrobat Reader to view your statements. In addition, you will need a browser that supports 128 bit encryption to login to Online Banking. The newest browsers all support this.

Q: Can I print my eStatements?
Yes, your eStatements arrive in both PDF and HTML formats and can be easily printed.

Setting Alerts with Notify Me

What is the Notify Me Alert feature in Online Banking
What are Messaging Alerts?

What are Account Activity Alerts?
What are Security Alerts?
How many times a day could I receive an alert?
How do I get alerts?

Q: What is the Notify Me Alert feature in Ideal  Online Banking
The Notify Me alerts feature allows you to receive email and/or text notifications of important messages and account activity. The system generates and sends three types of alerts: Account Activity, Security & Messaging alerts.

Q: What are Messaging Alerts?
Receive Messaging Alerts concerning transaction-related or service-related activity with your online Ideal Credit Union account(s). You can also receive alerts when Ideal Credit Union sends personal or general email announcements. Alert options include:

  • New Message Inbox: when you receive any type of message within Online Banking.
  • Transaction-related: when the system sends you an important message about a transaction or service. For example, alerts may include warnings about failed transactions.
  • New Online Privilege: when Ideal Credit Union grants you a new service privilege (Bill Pay added or Online Accounts added).
  • Broadcast Message: when Ideal Credit Union sends a broadcast message to members. For example, if we send a message about holiday branch hours, you will receive an alert that the broadcast message is available on the Messages tab.
  • Personal Message: when Ideal Credit Union sends you a personal message on the Messages tab. For example, if you sent a message to us about a deposit, you will receive an email alert when we respond.

 

Q: What are Account Activity alerts?
You can opt-in to receive account alerts to monitor online account activity, specific transactions and balances. This feature may help you avoid unnecessary service charges, ensure transactions are processed, as well as be alerted to unusual account activity. These include:

  • Account Overdrawn: Receive an alert when your account becomes overdrawn.
  • Balance > $: Receive an alert when your account balance is above a specified amount. The balance information is based on the account's available balance.
  • Balance $: Recive an alert when your account's balance is below a specified amount. The balance information is based on the account's available balance.
  • Check #(s) Cleared: Receive an alert when the specified checks clear on the selected account.
  • Deposit Made > $: Receive an alert when a deposit over a specified amount is made on your account.
  • Transaction > $: Receive an alert when a withdrawal over the specified amount is made on your account.

Q: What are Security Alerts?

Security alerts are delivered automatically when certain types of maintenance and requests are processed. These alerts are sent automatically to the primary email address associated with your Access ID. You can elect have duplicate security notifications sent to a secondary email and/or mobile device. Security alert notifications occur when:

  • A security-related change is made (i.e. Access ID or Passcode change)
  • An online transfer is processed for a certain amount
  • An external transfer is processed

Q: How many times a day could I receive an alert?
Alerts are sent up to three times per day depending on what you’ve requested and if your status changes throughout the day. You will only receive an Alert that has been established and approved by you.

Q: How do I get alerts?
You can either receive your alerts via email , text message or in the Messages tab in Online Banking.

Customizing Your Online Banking

Can I change my information?
What’s an account nickname?
Can I add an online account?
Can I remove an account?

Can I stop payment on a check?
Can I change what page I see first when I login to Ideal CU Online Banking?
I’ve customized my start page selection to be Accounts. Why do I keep landing on Messages?
What’s list sorting?

 

Q: Can I change my information?
Yes. Click the User Services tab and look for Change Address Information, phone numbers, and email address preferences under Manage Account.

Q: What’s an account nickname?
An account nickname is a way to customize your accounts so they work for you. For example, name a savings account “Trip to Paris” and start putting money away for that dream vacation. In addition, if you have multiple accounts linked to your profile, the Nicknaming feature can help quickly identify accounts under one profile with a unique nickname for each account.

Q: Can I add an online account?
Yes, you can add online accounts that you are joint on. Depending on your association with the account, you will be able to view balances and transact from these accounts while logged into your own account profile. Approval is required to add accounts. After making a request to add an account, you will receive access within 1-2 business days after the request is approved.

Q: Can I remove an account?
Yes. For example, if you are an out-of-sight out-of-mind saver, you could remove your certificate account from your Online Banking view.

Q: Can I stop payment on a check?
Yes, you can stop payment on a check. Select User Services and look for the Other Service Requests box. There, you’ll find Stop Payment, in addition to other check related services. Please note- there is a $35 fee to stop payment on a check.

Q: Can I change what page I see first when I login to Ideal CU Online Banking?
Located under the User Services tab, Start Page Selection allows you to change which section of your account appears first when you login.

Q: I’ve customized my start page selection to be Accounts. Why do I keep landing on Messages?
When you have a new message from the credit union, you are automatically taken to that page, first. Once you have read your message, or if you do not have further messages upon login, you will be taken to your preferred page.

Q: What’s list sorting?
You can customize how you’d like your Account Summary and Account History to appear. Select the User Services tab and then List Sorting. Once there, you can sort your Account Summary and Account History by balance, name or number.

Using Messages to Contact Ideal Credit Union

How does Messages work?
Can I attach a file?
I’ve customized my start page selection to be Accounts. Why do I keep landing on Messages?
What are the security and system settings?


Q: How does Messages work?

The Messages tab allows you to send and receive messages to and from our experts at Ideal Credit Union. When we get your message, we reply as quickly as possible. When you get your reply, it will show up when you login to Online Banking.

Q: Can I attach a file?
Yes. You can send us a copy of your documents if you need to. Just upload it and we’ll get back to you from within the security of Online Banking.

Q: I’ve customized my start page selection to be Accounts. Why do I keep landing on Messages?
When you have a new message from the credit union, you are automatically taken to that page, first. Once you have read your message, or if you do not have further messages upon login, you will be taken to your preferred page.

Q: What are the security and system settings?
Internet Explorer 7.0 or higher, or the latest version of Mozilla Firefox, Safari or Google Chrome are necessary to maintain the high security standards associated with Online Banking.

Tips with Quicken

Activate your Ideal Online Banking access ID and pass code. Download your transaction activity within Onlie Banking usine Quicken Web Connect. If you do not use Quicken Web Connect format, the integration between your Quicken installation and Ideal CU Online Banking may not function properly.

Additional support for Quicken and Quickbooks from Intuit

Mobile Security Tips

General mobile banking best practices

  • Password-protect your mobile device and lock your device when it's not in use. Keep your mobile device in a safe location.
  • Frequently delete text messages from Ideal Credit Union on your mobile device, especially if they contain sensitive information (i.e. text banking sessions). SMS Text Banking messages are similar to ATM receipts, offering masked account numbers and no account details.
  • Never disclose personal information about your accounts via text message, i.e. account numbers, passwords, or any combination of information that can be used to steal your identity.
  • If you change your mobile number or lose your mobile phone, send Ideal Credit Union a secured message in Online Banking immediately to change the details of your Mobile Banking profile.
  • Do not hack, 'jailbreak' or modify your device, as this will leave it susceptible to infection from a virus or Trojan.
  • When possible, install mobile security software on your device (if it's available).
  • Be aware that malware exists and fraudulent applications will continue to pop up. Don't download applications onto your phone without checking them out first. If possible, use Ideal Credit Union’s website to download our mobile application.
  • Report any banking application that appears to be malicious to Ideal CU right away.
  • Monitor your financial records and accounts on a regular basis and consider having electronic alerts on account activity sent to your email or mobile device.
  • Bookmark Ideal CU’s mobile web site and only use that bookmark to access the site to avoid phishing.
  • Do not click on links in SMS messages unless you initiated the SMS conversation with Ideal CU.
  • Always use your cellular network when conducting mobile financial services and avoid using unsecure public Wi-Fi networks.

Protect your Online Banking access ID and passcode.

  • Do not store your Online Banking access ID and passcode on your mobile device
  • Do not use your Online Banking access ID and passcode combination in conjunction with other online systems
  • Periodically, change your Online Banking passcode
  • Utilize a diffIdeal CUlt to guess Online Banking passcode including combination of numbers, letters, and special characters, such as: ! @ # $

Protect your mobile device from malware.

Malware can pose a significant threat to mobile devices. A malware-infected mobile device can be used by fraudsters to secretly “siphon” confidential information, including Online Banking Access IDs and passcodes from the device.

  • Only download mobile apps from reputable sources and sites
  • Never perform financial transactions using a mobile device that has had its operating system unlocked or hacked (commonly known as “jail-breaking” or “rooting”)—these devices may have a much higher risk for malware infections
  • Consider utilizing a commercial anti-malware application or service with your mobile device

Physically protect your mobile device.

If you use your device for managing your finances, it is critical to protect it from loss, theft, or unauthorized access.

  • Enable your mobile device’s screen lock and passcode
  • Do not leave your mobile device unattended in a public place or visible in a car
  • Do not share your mobile device with anyone you would not want to have access to your financial information
  • Consider utilizing a “remote wiping” service that, in the event your mobile device is lost or stolen, provides the ability to remotely erase all of its data

What to do if your Mobile or Online Banking security has been compromised

If you suspect that the security of either your mobile device or Online Banking credentials has been compromised, contact Ideal CU immediately.

  • You can temporarily disable or completely remove access for your mobile device by logging on to Online Banking (www.Idealcu.org), navigating to User Services > Mobile Enrollment, and choosing the desired option from the Mobile Banking Center menu
  • You can contact the Credit Union with any Online Banking questions or concerns, by calling (651) 770-7000, or (800) 247-0857—On-duty staff are able to discuss your security concerns and, upon request, suspend online access to your Credit Union accounts
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2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Monday, December 24th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day
Tuesday, January 1st
All locations closed