Features

• Find the Mobile Deposit Capture feature on your HRCU Mobile Banking app via your mobile device.*
• Then, simply snap a picture of the front and back of your endorsed check (please also write “For Mobile Deposit Only HRCU” beneath your signature)**
• Follow the easy on-screen instructions to complete your transaction.***

Check out the FAQs for more information.

• Enjoy quick and easy checkout in stores and online 
• Card information is encrypted and stored safely on your mobile device 
• Available to use even when not connected to the Internet

If you have any questions, please call Member Support, or use the Live Chat function available on your screen.

How It Works

When you approach a point of sale system compatible with Apple Pay^®, Samsung Pay^® or Google Pay^™, the screen on your mobile device lights up and opens your digital wallet automatically. A payment is then made by holding the compatible device near the checkout system. Follow the instructions on your device by entering the passcode to complete the transaction. 

• Free with any HRCU checking account
• Surcharge-free transactions at all HRCU ATMs
• Surcharge-free transactions at any of the 30,000+ ATMs carrying the Co-Op Network Logo
• Add to your mobile wallet to conveniently have your funds accessible on your mobile phone

Plus, we offer contactless debit cards for a quicker transaction experience. Simply tap your card at the card reader at time of checkout (for applicable terminals) instead of inserting or swiping to help save you time at checkout. 

Contact our Member Support to order your contactless debit card and learn more.  

International Use

For security purposes, HRCU debit cards do not automatically work outside of the United States. This includes Canada and Mexico. If you are traveling outside of the United States, you can use Better Card Controls Mobile App to set up travel notices. For further questions and support, contact our Member Support and your card will be authorized to make transactions. 

• Turn your card “On” or “Off” in real time, to prevent unauthorized use
• Control card usage and spending with custom limits
• Receive real-time transaction alerts via push notifications when your card is used
• Easily set up Travel Notices for national and international travel

For more information, please see our HRCU Better Card Controls FAQs.

• ClickSWITCH removes the hassle of contacting all your billers and depositors to inform them of your new account information. 
• Just input your payment and direct deposit information to the secure ClickSWITCH system, submit the switch and they will do the rest!

• Free and easy to use
• Schedule one time or recurring payments
• Make electronic payments to friends and family

Never used Bill Pay before? Call Member Support or use the Live Chat function on your screen to get started. 

• Access your statements at your convenience - at home, at work, or when traveling
• Review your previous statements (up to 24 months of statements are available)
• Receive an email notification when a statement is ready to view
• Download and save statements to your personal computer
• Avoid the $2 paper statement fee
• Prevent identity theft by reducing the amount of personal financial information in print and traveling by mail

Overdraft protection allows funds from your savings account, or a different HRCU account of your choice, to be transferred to your checking account to pay an item. Contact our Member Support or visit a branch to set up your accounts for this service.

With this protection option, the credit union may authorize and pay the following types of transactions if you have opted in for the service:

• Automatic bill payments
• Checks and other transactions made using your checking account number

We do not authorize and pay an overdraft for ATM transactions. 

Daily debit card transactions are paid one time when you elect to Opt-In.

We pay overdrafts using Courtesy Pay at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and/or pay an overdraft, your transaction will be returned and/or declined.

To opt in:

Visit your Dashboard in the HRCU Mobile app or online and click Courtesy Pay to enroll. 

• Review Account Balances and Transaction History
• Make Transfers Between Accounts
• Make a Loan Payment from your HRCU account
• Review Scheduled Transfers

Get started today by calling us at 603-332-6840.

How do I enroll in Telephone Banking? 

Call us at 603-332-6840. Simply follow the automated prompts to telephone banking and self-enroll. From there you will set up a secure PIN to protect your account. 

For any questions on how to enroll in Telephone Banking or resetting your PIN, please call our Member Support team and we will be happy to assist you.