New Digital Banking is Here!

Communication Federal Credit Union has launched an innovative, new digital banking experience! The new platform provides enhanced security, better stability, additional features, more consistency between the mobile app and desktop experience, better tools for budgeting and tracking your money as well as an improved user interface.

Download on the App Store
Get it on Google Play

Your First Login

Now that the new digital banking experience has launched, existing users can follow the steps below to log in.

  1. Visit Online Banking or download the latest version of the CFCU Mobile app.
  2. Log in with your existing username and password.
  3. Accept the required disclosures.
  4. Verify your personal information. This may include:
    • Your username, date of birth, full social security number, member number, and email address.
  5. Confirm your identity by receiving a temporary passcode via SMS text, email, or phone call.
  6. Create your new password.

Please Note: If you are a new member or have never enrolled in CFCU online or mobile banking before, you will need to call 800.522.3535 to register in the new digital banking platform.

Getting Started

Watch the videos below for information on getting started with the new CFCU Mobile app.

Using the Mobile App
Making a Mobile Deposit
Making a Loan Payment
Adding an External Account

Frequently Asked Questions

The Basics

Q: What will happen the first time I log in?

A: You will be prompted to enter your current username. Your username will remain the same. You will then be prompted to enter your current online banking password, then establish a new security password. You will also be prompted to verify your personal information and receive a one-time passcode via text, call or email. Once you enter this information, you will be signed in. 

Q: When I try to login for the first time, the system is rejecting my Social Security Number.

A: Many times this occurs when joint owners on an account are sharing a login. The username that is used must match the SSN for that user. Our system allows each owner on their account to have their own login (preferred) but if the users share a login, the username must match the individual’s SSN. 

Q. What will the new vs old app icons look like? 

A. The new app icon will be dark blue. The old icon will be light blue. This slight color difference is important to note. After downloading the new app, users may need to manually uninstall the old app by long pressing on the light blue icon and selecting “uninstall”. This process is the same on Apple and Android devices.

        

Q: How do I find my Statements?

A: Statements are now available through both the desktop online banking site and the mobile app. To access statements from online banking desktop platform, click “Accounts” on the menu at the top of the page, then click “eStatements & Documents”. On the mobile app, tap “More” in the bottom right of the app, then tap “Accounts”, then “eStatements & Documents”. The first time you access statements, you must complete a quick registration.

Q: How do I update my address, phone number and email?

A: Within the online banking desktop platform, click on your name in the upper right-hand corner. Click “Settings”, then click “Contact” to edit your information. From the mobile app, tap “More” in the bottom right-hand corner, then tap “Contact” to edit your information.

Q: Do I have to redo my account nicknames in the new platform?

A: Yes. We are unable to move account nicknames to the new system. We encourage you to make notes of all your account numbers and nicknames between August 1 & 15. To add account nicknames in the new online banking desktop platform, click your name in the top-right corner. Click “Settings”, then click “Account”. The “Account” screen allows you to edit account nicknames, hide or reorder accounts to match your preferences. From the mobile app, tap tap “More” at the bottom-right corner, then tap “Settings” then tap “Accounts” and the account you would like to edit. You may also hide accounts from this screen. To reorder your accounts, please use the online banking desktop platform.

Q: How can I change the order of my accounts?

A: To reorder your accounts in the new online banking desktop platform, click your name in the top-right corner. Click “Settings”, then click “Account”. The “Account” screen allows you to reorder your accounts, hide accounts or add account nicknames to match your preferences. You cannot reorder accounts in the mobile app.

Q: How can I change the colors for my accounts?

To change color categorization in the new online banking desktop platform, click your name in the top-right corner. Click “Settings”, then click “Account”. The “Account” screen allows you to edit colors and other account preferences. From the mobile app, tap tap “More” at the bottom-right corner, then tap “Settings” then tap “Accounts” and the account you would like to edit. You may also hide accounts from this screen. To reorder your accounts, please use the online banking desktop platform.

Q: How can I hide accounts or rename my accounts in digital banking?

A: To change the order in which your new accounts are displayed the new online banking desktop platform, click your name in the top-right corner. Click “Settings”, then click “Account”. The “Account” screen allows you to hide accounts, edit account nicknames, or reorder accounts to match your preferences. From the mobile app, tap “More” at the bottom-right corner, then tap “Settings” then tap “Accounts” and the account you would like to hide. You may hide accounts from this screen. 

Q: How do I link an account from another financial institution so that I can transfer money back and forth or make a loan payment?

A: To add an account from the online banking desktop platform, select “Transfer & Pay” from the top menu, then click “Make a Transfer”. Be certain you are on the “Standard” tab. To add an account from another financial institution so that you can move money back and forth or make a loan payment, select “Add an account to make transfer”. This link is located below the “From Account” and “To Account” fields. In the new side window that appears, select “Add an account instantly,” select your financial institution and enter your login credentials for the account you wish to link. From the mobile app, tap “Transfers” from the bottom menu, then tap “Add Account”. From this screen, tap “Add account instantly,” select your financial institution, and enter your login credentials for the account you wish to link. In some instances, instant account verification may not be available. If this occurs, select “Add an account manually” and follow the on-screen instructions.

Q: Can I get a quick view of my accounts without logging in on the mobile app?

A: Yes. This feature is called “Snapshot”. It allows a quick view of your accounts set to the highest order through the mobile app. You cannot perform any actions without signing in, for security. To turn this feature on or off, tap “More” in the lower-right corner of the screen, tap “Settings” then tap “Snapshot”.

Bill Pay and Zelle

Q: How do I find Bill Pay and do I have to setup my payees again? 

A: Your Bill Pay payees and history will transfer to the new system. To access Bill Pay from the online banking desktop platform , click “Transfer & Pay” from the top menu, then “Bill Pay”. From the mobile app, tap “More” at the bottom-right corner, then tap “Transfer & Pay”, tap “Bill Pay”. The first time you use Bill Pay or Zelle, you will have to accept our agreement. 

Q: How do I find Zelle and do I have to setup my contacts again? 

A: Your Zelle contacts and history will transfer to the new system. To access Zelle from the online banking desktop platform , click “Transfer & Pay” from the top menu, then “Zelle”. On the next page, select “Send money to friends and family”. From the mobile app, tap “More” at the bottom-right corner, then tap “Transfer & Pay”, tap Zelle. The first time you use Bill Pay or Zelle, you will have to accept our agreement. 

Q: Is there a phone number I can call for Bill Pay and/or Zelle help?

A: Yes. Call 844.596.1028. Bill Pay support is available by telephone 6 a.m. to midnight, 7 days a week.

Account Alerts, Notices and Messages

Q: How do I set up Account Alerts?

A: From the online banking desktop platform, click “Help & Messages” from the top menu, then click “Alerts”. You may then select and configure Alert categories from the left side of the screen to configure a variety of alerts. From the mobile app, tap “More” in the bottom-right corner, then “Help & Messages” and “Alerts” to configure Alert settings. Account Alerts will now be sent in real-time rather than once per day, which is an improvement over the previous system.

Q: Can I submit a travel notice to let CFCU know where I will be traveling and using my credit union debit and/or credit card?

A: Yes. To submit a Travel Notice from the online banking desktop platform, click “Help & Messages” from the top menu, then click “Travel Notices”, then “Travel Notice”. From the mobile app, tap “More” in the lower-right corner, tap “Help & Messages”, tap “Travel Notices”, then “Travel Notice”. Complete the requested information on the form and click “Submit”. Please submit Travel Notices at least two business days prior to planned travel.

Q: Can I transfer money to another CFCU member online or in the app? 

A: Yes. You will need to know the member’s last name, member number, account type, and account ID.

To transfer money to another member using the online banking desktop platform, click “Transfer & Pay” from the top menu, then click “Make a Transfer”. Be certain you are on the “Standard” tab. To link the other member’s account, click “Add an account to make transfer”. This link is located below the “From Account” and “To Account” fields. In the new side window that appears, select “Send Money to another Communication Federal Credit Union Member”. From the mobile app, tap “Transfers” from the bottom menu, then tap “Send Money to another Communication Federal Credit Union Member”. Once you have linked to the other member’s account you will be able to send money. Enter the member’s information. The other member will receive a notification that you have linked to their account. Neither you or the recipient will be able to see account balances for the other user. 

Q: Can I send a secure message to the credit union in digital banking?

A: To send a secure message in the app, tap “More” in the lower-right corner, tap “Help & Messages”, then “Message Center”. In the online banking desktop platform, click “Help & Messages” from the top menu, then click “Message Center”. Tap the pencil to compose a new message. 

Check Services

Q: Can I reorder checks?

A: Yes. From online banking desktop platform, click “Accounts” on the menu at the top of the page, then click “Check Services”. On the Check Services screen, tap “Order Checks”, select your account and then follow the on screen prompts to complete the order. On the mobile app, tap “More” in the bottom right of the app, tap “Accounts”, then ” Check Services”. On the Draft Services screen, tap “Order Checks”, select your account and then follow the on screen prompts to complete the order.

Q: Can I place a Stop Payment on a check?

A: Yes. To to place a stop payment on a single check or series of checks from online banking desktop platform, click “Accounts” on the menu at the top of the page, then click “Check Services”. On the Check Services screen, tap “Cancel Checks”, select “New Stop Pay Request” and follow the on screen prompts to complete your request. On the mobile app, tap “More” in the bottom right of the app, tap “Accounts”, then ” Check Services”. On the Draft Services screen, tap “Stop a Payment”, and then follow the on screen prompts to complete your request. There is a $15 stop payment fee per check or series of checks, if entered as a series.

New Features

Q: How can I quickly open an account through digital banking?

A: In the app, tap “More” in the lower-right corner, tap “Accounts”, then “Open an Account”. From the online banking desktop platform, click “Account”, then “Open an Account”. Select the type of account you would like to open and follow the on-screen prompts. Currently, checking accounts are not able to be opened through online banking. We hope to have this account type available soon!

Q: When will card controls be available and what card controls will there be?

A: Card controls be rolled out in phases through 2023. Members will be able to:

  • View their debit cards and card designs.
  • Block and unblock debit cards.
  • Create real-time alerts for debit card transactions.
  • Activate new debit cards.
  • Set a new debit card PIN.

Q: How can I link an external account to view on the dashboard and use for Budgeting & Spending?

In the app, on the main accounts screen, scroll to the bottom of your account listing, tap “Link and View External Accounts”. From the online banking desktop platform, on your main dashboard screen, click “Get Started” under Add an External Account on the right side of the page.  Type the name of the financial institution you would like to link and follow the on-screen prompts to link the account. Once added, you will see the external account listed with your accounts and within Budgeting and Spending. Linked External Accounts are not available for External Transfers. See our question on adding external accounts to transfer money back and forth for more information about External Account Transfers.

Q: How can I create a Savings Goal in digital banking?

A: In the app, tap “More” in the lower-right corner, tap “Financial Planning”, then “Savings Goals”. Tap “Savings Goals” at the top of your screen, then the + icon to select an account and create your goal. From the online banking desktop platform, click “Financial Planning” from the top menu, then “Savings Goals”. Select the Savings Goals tab. Click the + icon to select an account and create your goal. Setting a savings goal will not create a new account. It creates a savings bucket for your goal within the selected account that helps you track your saving progress. 

Q: Will I be able to use Mint or other budgeting apps?

A: Yes! We expect our new digital banking system to perform much better with budgeting tools such as Mint. It will take a few days for your information to re-sync and you may have to update your login credentials within the budgeting app(s) you use.

Security

Q: Can I require a one-time passcode for every login?

A: Yes. Within the online banking desktop platform, click on your name in the upper right-hand corner. Click “Settings”, then click “Security” and scroll down to Two-Factor Authentication. Toggle Require Two-Factor Authentication For Each Login to “On”.

Q: Can I use an authenticator app for 2FA?

A: Yes. Within the online banking desktop platform, click on your name in the upper right-hand corner. Click “Settings”, then click “Security” and scroll down to Two-Factor Authentication. Click the Edit (pencil) icon next to 2FA App, toggle the method to “On” and follow the instructions on screen to set up the authenticator. Once complete, if you wish to only use an authenticator app for 2FA, set 2FA App to the Preferred authentication method, then toggle the other 2FA methods to Off.

Q: How can I turn on biometric authentication?

A: In the app, tap “More” in the lower-right corner, tap “Settings” then, of an iOS device tap “Face ID” or “Touch ID”; for an android device, tap “Face Unlock” (in Android, the Face Unlock option also toggles Fingerprint Unlock). Toggle the button on to enable biometric authentication.

Conversion Timeline

An anticipated timeline of the events leading up to and following the conversion can be found below. All times are listed in Central Time.

August 10, 2022

  • 5:00 PM – New Enrollments Disabled
    • Members will no longer be able to enroll in the current online and mobile banking platforms.
  • 5:00 PM – External Accounts Conversion Cutoff
    • External accounts without transfers posted between 3/1/2022 and 8/10/2022 will not be converted to the new platform.
  • 10:59 PM – Internal Transfers Conversion Cutoff
    • One-time and recurring Internal Transfers created/modified after this cutoff and scheduled to take place after 8/16/2022 will need to be recreated/modified in the new digital banking platform.

August 15, 2022

  • 8:00 AM – eStatements Interface Disabled
    • eStatements will be available again on August 16, 2022.
  • 8:00 AM – Bill Pay Interface Disabled
    • Scheduled bill payments will continue to process uninterrupted.
    • The Bill Pay interface will be available again on August 16, 2022.
  • 8:00 AM – External Transfers Interface Disabled
    • External Transfers scheduled for 8/15/2022 and 8/16/2022 will continue to process uninterrupted.
    • The new External Transfer experience will be available on August 16, 2022.
      • External transfers and loan payments scheduled to take place on or after 8/17/2022 must be recreated here.
  • 8:00 AM – Zelle Interface Disabled
    • Payments sent and received via Zelle will continue to process uninterrupted.
    • The Bill Pay interface will be available again on August 16, 2022.

August 16, 2022

  • 7:00 AM – Old Online Banking & Mobile App Disabled
  • 11:00 AM – New Online Banking Live
  • 11:00 AM – External Transfers Enabled
  • 1:00 PM – New Mobile Banking Live
    • The new CFCU Mobile app will be available in the App Store and Google Play Store.
      • To uninstall the old CFCU app, you will need to long press on the old (light blue) CFCU app icon and select uninstall. This is the process on both Apple and Android phones. 
  • 5:00 PM – Bill Pay Enabled
  • 5:00 PM – Zelle Enabled
  • 5:00 PM – eStatements Enabled

Extended Phone Support Hours

Communication Federal Credit Union will have extended phone support hours during the initial weeks of the digital banking conversion.

8/16/2022 – 8/29/2022

  • Monday – Friday: 7 AM – 7 PM Central
  • Saturday – Sunday: 8 AM – 3 PM Central

8/30/2022 – 9/12/2022

  • Monday – Friday: 9 AM – 5:30 PM Central
  • Saturday: 9 AM – 1 PM Central

About the New Digital Banking Experience

We have a few tips to make your transition to our new digital banking experience as seamless as possible! Below is a list of actions that we ask you to take in preparation for this upgrade.

What Will Change?

  • Online and Mobile Banking will have a new, unified look and feel.
  • A new CFCU Mobile Banking App will be available for iOS and Android.
  • The New Digital Banking Experience will give you more control over your accounts and enhanced self-service tools to better manage your finances.
  • External Transfers will process faster and there will no longer be a fee for outbound transfers. Please Note: External Transfers scheduled to take place after August 16 will have to be reconfigured in the new platform.
  • Credit Sense will be called SavvyMoney. You will continue to have free access to the same great credit score and report tool that you are accustomed to.

What Will be the Same?

  • Your Digital Banking username, accounts, and profile information.
  • Your Bill Pay payees and settings.
  • Your Zelle contacts and settings.
  • Your internal transfers and member-to-member transfers.

What Will be New?*

  • Transaction Disputes – You will be able to initiate transaction disputes from within the transaction view in Digital Banking.
  • Overdraft Protection – You will be able to enroll in Overdraft Protection, choose your linked accounts, and configure backup account priorities within Digital Banking.
  • Member-to-Member Transfers – In addition to seeing your linked Member-to-Member Transfer accounts, you will be able to link new accounts within Digital Banking, making transferring money to other CFCU members easier than ever!
  • Wire Transfers – You will be able to request domestic wire transfers within Digital Banking.
  • Skip-A-Pay – You will be able to request payment skips within Digital Banking for eligible loan accounts during our annual Skip-A-Pay promotion.
  • Checking Rewards – PayMe Checking and Performance Checking accountholders will be able to view their monthly reward qualifications and status within Digital Banking.
  • Credit Card Rewards – Visa Platinum Rewards cardholders will be able to access Scorecard Rewards directly within Digital Banking.
  • Budgeting & Spending – Get an overview of your spending habits with transaction categorization, budgeting tools, and visual aids within Digital Banking. Link your existing accounts at other financial institutions to get a complete overview of your financial health.
  • Savings Goals – Create and track savings goals within Digital Banking. Assign goals to eligible CFCU account(s) and track your progress with ease.
  • Debit Card Controls – Starting in 2023, you will be able to activate new debit cards, configure real time alerts, and block/unblock your CFCU debit card(s) within Digital Banking.

*Access to new features may require certain Communication Federal Credit Union products and/or services.

Preparation: Things to Know and Actions Required

Know Your Account Information – Take note of your current account information. You will need it to log in to the new platform for the first time and configure your accounts.

  • Your current digital banking User ID (or Username) that you use to log in.
  • Your current digital banking Password that you use to log in.
  • Your current CFCU Member Number, without the account ID suffix.
  • Your current digital banking Account Nicknames. Any account nicknames that you have set up through the current digital banking platforms will not transfer to the new system. Please note your current nicknames along with their corresponding account numbers so that you may reconfigure this information in the new system.
  • Your current account alerts. Any email or SMS account alerts you have configured will have to be created again in the new platform. The new platform features enhanced alert capabilities, including push notifications and real time alerts.

External Transfers and Loan Payments – If you currently use the External Transfers feature to transfer funds or make loan payments, your action will be required to continue using this feature in the new platform.

  • Any external (non-CFCU) account(s) you have not used to make transfers to or from your CFCU accounts(s) since March 1, 2022 will not be available in the new digital banking experience. External accounts you have used to make loan payments to CFCU loans after March 1, 2022 will be available in the new platform.
  • Any external transfers or loan payments scheduled to take place after 8/16/2022 will need to be configured again within the new digital banking experience.
  • Please note external accounts that you have linked and scheduled/recurring transfers you have configured so that you may add them to the new system if needed.

QuickBooks and Quicken Users – If you currently use QuickBooks Desktop, QuickBooks Online, or Quicken with your Communication Federal Credit Union accounts, please visit this page for detailed conversion instructions.