Maintain the security of your Sign-On ID and password.

Protect your computer from malicious programs and intruders by running an anti-virus utility and maintaining a firewall. Make sure you have applied the latest security patches to your web browser and operating system, especially if you use Internet Explorer and Windows.

Protect yourself from e-mail fraud – Heartland Credit Union will never contact you via email about an ‘urgent or threatening condition concerning your account’ – our policy is to send official notices via the postal service.

For more detailed instructions on each of these guidelines, refer to the "Secure Area" link at the bottom of you online banking screen.

• Pull down your browser's Help menu and select About Internet Explorer. A pop-up window will appear with information about Internet Explorer.
• In that window, look for a line that begins with the words "Cipher Strength". If the cipher strength is any less than 128-bit, then you must upgrade your browser in order to use online banking. You can go directly to Microsoft's web site and obtain the upgrade by clicking on the words "Upgrade Information" that appear in parentheses next to the cipher strength.

• Pull down your browser's Help menu and select About Navigator. A page will appear with information about Netscape Navigator.
• In the left-hand column, look for a line that states "Contains encryption software from RSA Data Security, Inc. Copyright © 1994 RSA Data Security, Inc. All Rights Reserved. " Below that line, in bold you should find the following text: "This version supports U.S. security with RSA Public Key Cryptography, MD2, MD5, RC2-CBC, RC4, DES-CBC, DES-EDE3-CBC . " If you find this exact text, then your browser supports 128-bit encryption. If this line of text begins: "This version supports international security...", then your browser does not support 128-bit encryption, and you will need to upgrade your version of Navigator. You can get an upgrade from the Netscape web site. (Note: Do not attempt to use Netscape Navigator Version 6; it is not compatible with the online banking service.)

Question #9

What do I do if I forget my Sign-On ID?

Answer:

If you forget your Sign-On ID please contact Heartland Credit Union during business hours at 651-451-5160 or 800-813-9185.

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Yes, for Personal Accounts follow the steps below. For Business Accounts please contact Heartland during business hours at  651-451-5160 or 800-813-9185.

To set up transfers to personal accounts you can either contact us or you can set up the account you’d like to transfer to by clicking on the “Account Services” tab inside your online banking account, then select the “Requests” link on the left side navigation. Then select “Setting up transfer to another customer.” The system considers the account, because it’s under a different Heartland member number, to be “another customer” even if it’s your account.  

Then select “Add Another Account.” Enter the information requested and click “Submit.”  You will be asked to confirm the set-up, then click “Confirm”. The account is now set up for your to transfer to. To transfer funds click on the “Transfer Funds” tab then select “Transfer to an account that is not yours” and follow the steps.

Keep in mind, however, that you yourself have a critical role in maintaining the privacy and security of your account. To help ensure the security of your financial information, follow these rules:

If you have a problem logging in, refer to our Troubleshooting section.

Why is this so important? Because of the way the Web works, signing off is the only way the online banking service knows that you have ended your session. If you leave online banking without signing off -- by going directly to another web site, for example -- the online banking service keeps your session alive for up to 14 minutes while it waits to see if there is something more you want to do. This is not good for two reasons: First, it is a security risk; if you leave your PC unattended during this time, someone could use your browser's Back button to return to your active session. Second, if you try to sign on again before the online banking service has timed out your session, you will receive an error message.

Online banking reports allow you to see summary and detail information about your accounts. You can assign transactions to categories that you define, and then report on transactions using those categories.

Yes. You can select your page preferences to the number of grid lines per page and the days of history to display per page. To set these preferences click on “Account Services” then “Page Preferences.”

To stop payment on a check, follow these steps (Note: you can only use this function to stop payment on a check that you wrote manually.)

Log in to online banking. Click on the “Account Services” tab, then select the “Stop Payment” link on the left side navigation and complete the form.

To stop payment on an online bill payment, contact Heartland during business hours at 651-451-5160 or 800-813-9185.