REMEMBER THESE TIPS
- Update your Contact Information - if we cannot verify you on the new platform, your contact information may be different than what we have on record. Please contact us to ensure your contact info is up to date.
- Digitial and Mobile Banking will not be available from 2 AM - 10 AM on 9/26.
- Bill Pay and Zelle will not be available on 9/26.
- Apple users will need to update our app, while Android users will need to delete the app and install a new one. The old app will no longer work after 9/25.
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What's New in Digital Banking?
- One Username and Password to view all account to which you have ownership.
- Account Aggregation/Link External Accounts: Members can add accounts from other financial institutions to get a complete picture of their finances.
- Card Management: Set up authorization alerts and controls, disable or enable cards, and submit travel alerts. Control debit and credit cards. Set up authorization alerts and disable or enable cards
- External Transfers (ACH): Members can conveniently transfer funds to and from external financial institutions.
- Member Transfers: Members can transfer funds quickly and easily to another Member and even set recurring transfers or payments.
- Savings Goals: Members can set up, edit, and update savings goals and track their progress as the,y go.
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Accessing Your Account
After conversion, will Members need a new Username or Password?
We converted all usernames and passwords for current Members to the new system. However, if a Member made modifications to their username or password during conversion, then their modifications may not have been converted to the new system.
Will I need to log into each account separately?
Once you have completed the login process, you will be able to view all of the accounts, to which you have ownership rights, under this one login. TIP: For members with a joint owner who shares their login, the joint owner will be able to set up their own separate login once the initial conversion process is complete. The joint owner will only see the accounts for which they have ownership rights.
Can Members, not registered in digital banking, register on their own?
First-time registrations will not be available until several days after the new site is live. Our focus will be on making sure existing users can access the new site - and that everything is functioning properly - before allowing new users to register.
Do joint Members have their own login?
Yes. During conversion, if there is a request to add a joint login, then it will be necessary for an APL FCU staff member to manually register a Member through the joint admin portal. After the initial conversion is complete, we will add a registration link to the login area and joint members will be able to register.
How do I sign in to the APL FCU Mobile App?
If you used the Apple app prior to the conversion, please perform an app update. If you were using the Android version, please delete the old app and install the new one. All Credit Union members who joined after Sept. 21 or that never used Digital Banking in the past, may download the Mobile App a few days after conversion. Make sure the Credit Union has an updated cell phone or email address on file asthese are used to verify your identity on the new platform.
What if my phone number is wrong or not on file?
If your phone number is wrong in our system, or we do not have a cell phone number on file, please contact our Call Center at 443-778-5250 or stop by Member Services at any APL FCU branch.
Too Many Accounts on your Dashboard?
Our new platform allows members to access all of their accounts at APL FCU under one login. For members who wish to limit the number of accounts visible on the Dashboard, there is an easy way to customize the accounts you see.
You may hide any accounts on the dashboard by clicking the Tools tab and then selecting Settings. Under the Accounts tab you will see a pencil next to each account. Click on the pencil and select the HIDE button at the bottom of the screen. This will hide that account from the Dashboard and the Account Details page. You will still be able to use it for scheduling transfers. If you want to see the account again you can use the same steps and unselect the HIDE button.
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Bill Pay
Will Members lose any of their payees, payments, or Bill Pay history at conversion?
No. All Bill Pay information will remain in place through the upgrade.
Will all of a Member’s scheduled payments go out on time?
Yes. All pre-scheduled payments will process as normal, however payments scheduled for 9/26 may process on 9/25 or 9/27 to avoid the blackout date.
Can Joint Login Members access Bill Pay?
Yes. Joint Members no longer have to share with the Primary. However, the joint Member’s login will not be able to have a shared view of the primary Member’s payees and payments. This means the joint Members will need to create their own payees.
Why is the option to edit and delete a transfer series grayed out in the Schedule tab?
This indicates the transfer was set up by staff. If the transfer series is visible in the Scheduled tab but cannot be edited or deleted, any deletions or modifications will need to be completed by staff.
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External Transfers
How do Members set up an external transfer after they have linked the other account?
1) Transfer → In the “To” field, select Add An Account
2) Members will be prompted to accept an agreement during the initial set-up
3) Add their external bank account type information.
4) Identity verification
- Members can choose to have the verification code sent by text, email, or voice call.
- The code will be sent immediately and expires after 15 minutes.
5) Enter code to complete verification
Did the external accounts and scheduled payments transfer to our new digital banking?
No. For security and verification purposes, members with an existing external accounts - for transferring funds to and from APL FCU and other financial institutions - will need to re-enroll them once the new site is live on September 26. You will also need to set up any scheduled transfers once the external account has been verified. Accounts from hundreds of financial institutions can be verified almost instantaneously, which eliminates the need for the cumbersome penny transaction verification process.
Can Members make a transfer FROM an external account?
Yes. Members can make a transfer from an external account to their loans, credit cards, and shares. However, in order to transfer money between accounts, Members have to follow the Add External Account procedure in the Transfer widget to initiate the micro deposit process.
Can Members make a transfer TO an external account?
Yes. Members can make a transfer TO an external account. However, in order to transfer money between accounts, Members have to follow the Add External Account procedure in the Transfers widget to initiate the micro deposit process.
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Card Management
What is Card Management?
Card Management allows Members to set authorization alerts and controls, and disable cards if there is suspected fraud or if a Member may have lost/misplaced their card. This is available on both debit and credit cards. Features on debit and credit cards include:
- Block/Unblock card use
- Authenticate purchases
How do Members set up Card Controls?
After a Member has activated their cards, they will select Card Management under the Accounts Tab → Select the alert method preference → Register. Once completed, all transactions will be sent in real time.
If a Member disables their card due to suspected fraudulent activity, do they need to notify us?
Yes. Members should replace their cards which will require a Member to notify APL FCU.
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Account Aggregation
What is Account Aggregation?
Members can “link or sync” accounts from other financial institutions by using the Account Aggregation feature. This allows a Member to view (i.e. aggregate) all of their financial accounts into one view on the digital banking platform. These accounts will show up in their dashboard and will sync with balances from their other institutions. These accounts can be incorporated while a Member is utilizing the Financial Wellness widget.
How do Members set up Account Aggregation?
● Desktop:
- From the Dashboard, Members navigate to Link External Accounts → Click Get Started button
- Members select the other financial institution from a list or “Manual Accounts” or
- Enter online account credentials for the other account
- Complete the multifactor authentication for the other account
● Mobile:
- Members navigate to the Accounts tab
- At the bottom of the page, click Link and View External Accounts
- Members select the other financial institutions list
- Enter online account credentials for the other account
- Select Go To Accounts to see their accounts
What if my linked accounts are not refreshing, and are continuously asked to enter my other FI’s Member name and password?
- Red exclamation point - The other FI must allow Account Aggregator services to bypass the two-factor authentication rules. If the other FI does not allow this, then the accounts cannot be automatically updated.
- Blue refresh icon – Member must click this icon, or if you are on mobile, drag down on their aggregated account history with your finger. Both of these accounts will promote a resync of their balances. A Member has to wait until a notification of completion is shown, otherwise your balance will not automatically update.
Why hasn’t the balance of the my external account updated?
Balances from external accounts are refreshed every 24 hours. If the account has a red exclamation, a Member may need to click on the exclamation and re-verify their credentials.
How often are account balances updated from other financial institutions?
Every 24 hours.
If a Member has completed the Account Aggregation, are they able to make transfers between their accounts with APL FCU and other financial institutions?
Setting up Account Aggregation does not set the account up for transfers. There is no money transfers or movement with aggregated accounts. To enable transfers, the external account will need to be set up utilizing the External Account procedures within the Transfer widget.
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Credit Scores
How often will the credit scores update?
Monthly or Quarterly.
Will the credit score widget show for everyone or just the primary Member of a loan?
The score displayed is correlated with the primary Member. FICO scores are only available for Members with a loan or credit card with your APL FCU.
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Alerts
Will a Member’s existing notifications transfer into the new system?
No. Alerts do not convert, and a Member will need to set up any alerts needed in the new system.
How do Members set up alerts?
Alerts can be set by a Member by navigating to Accounts → Alerts from mobile or desktop. Plastic cards have their own alerts and those will be located within the Card Management platform.
What kind of notification alerts does our enhanced digital banking offer?
There are system alerts the Members are automatically opted into and cannot disable. The Members will have the ability to opt into the alerts below:
How do Members set card authorization alerts?
Card authorization alerts can be set up and managed from the Card Management widget.
How do Members set up Mobile Deposit Alerts?
Members will receive Mobile Deposit alerts to their email automatically, and cannot opt in or out.
How do Members set up Alerts/Text (SMS) Alerts?
- Members must first confirm their mobile number
“Tools” widget, Settings → Contact → Select mobile number → Send code via text
- The system will prompt a Member to verify their identity. Members can choose to have the code sent by text, email, or voice call.
- Enter the verification code → Confirm Code → Save Phone
How does a Member stop receiving text message alerts?
A Member can turn off these alerts by logging in to online banking. Tools → Notifications → gear icon next to the alert → Slide to turn off → Click Save.
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Supported Browsers
Features and functionality have been thoroughly vetted on compatible web browsers and current versions of IOS or Android. It’s important to ensure a Member is on a supported browser:
- Google Chrome: Latest two versions
- Firefox: Latest two versions
- Microsoft Edge: Latest two versions
- Safari: Last two major versions
- IOS: Last two major versions
- Android: v9.0 and higher
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