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Hoosier Hills CU Mobile

Free - On the App Store

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Hoosier Hills CU Mobile

Free - On the App Store

Frequently Asked Questions

ACH Transfer

  • ​You can sign a Written Statement of Unauthorized Debit with HHCU up to 60 days from the date of the early debit. The payment would then be returned to the merchant. Be award that you can be assessed a fee by the merchant for the returned payment.

  • ​Depending on the type of charge, you will need to file a report with HHCU. You have up to 60 days from the statement date to report the fraud. You can be held accountable for anything outside of this time frame.

  • ​Call or come to your local Service Center to set up your ACH payments. You can also use Bill Pay through Online Banking from the convenience of your computer or mobile phone.

Apple Pay

  • Simply add your card to the Wallet app already on your iPhone.

  • Apple Pay is a very safe way to pay. Each time you make a purchase, Apple Pay uses a device-specific number and unique transaction code. Your card number is never stored on your device or on Apple servers, and when you pay, your card numbers are never shared by Apple with merchants.

  • Hoosier Hills Visa® Credit Cards and Visa® Debit Cards are currently eligible for use with Apple Pay.

Balance Transfer

  • We have several ways for you to proactively protect your debit and credit cards. You can sign up for our free CardValet app which gives you several options, including setting monetary and geographical limits and locking and unlocking your cards from your phone.

    For your HHCU Debit Card, you can also sign up for Mastercard Identity Theft Protection for no additional charge. Once you register for this service, you can get Identity Theft Alerts, and Emergency Wallet Replacement.

    If you have an HHCU Credit Card, you can register for the Verified by Visa Service. This adds a passcode of your choosing to online purchase for an additional layer of security.

    If you suspect your cards have been lost or stolen, give us a call at 800.865.2612, or at 800.472.3272 after regular business hours.

  • During normal business hours, call us at 800.865.2612. After normal business hours, call 800.472.3272.

Better Banking

  • To view Bill Pay history that occurred prior to converting to the new platform, select the Transactions drop-down form the history page and select ‘History Prior to 6/17/2020.

  • Before our upgrade, many of our members had multiple logins they had to use access any accounts on which they had full legal rights as primary or joint account holders. For example, if a member had a primary account, a joint account with his wife and was joint on a loan with one of his children, he would have to log off and log back in with three usernames to see his full financial picture.

    Pulling all accounts on which members have full legal rights and access together for a single view is a feature our members had let us know they’d like to see and we are pleased to have delivered it.

    If you would like to make changes to this new view, you have a couple of options. The new systems allows you to group, sort and hide accounts. To learn more about this feature, visit our Online Education page.

    If you no longer wish to be a joint member on the accounts, our member service team can help you with the steps to be removed from the account.

  • Chrome is the recommended browser for Online Banking. The latest two versions of Edge and Firefox are also compatible in Windows. The latest two versions of Safari and Firefox are supported for Mac Operating Systems.

  • Good news! If you are already registered for Online and Mobile Banking, you will only need to set up a new password after the upgrade is complete. For your security, we will verify your identity using the email or phone number we have on file. This is why it is important that you ensure this information is up to date. You can do this now within “Settings” of either Online or Mobile Banking.

    IMPORTANT: Because accounts will now be tied to your Social Security Number, instead of member number, members with joint accounts who currently share a username and password will each need their own username and password in order to see their correct full-account view. Members who continue to share a username after the upgrade will see all accounts tied to the primary account holder.

  • Yes. It is important that you ensure your email address and phone number are correct to enable you to log into the new system. You can do that now with the “Settings” feature of either Online or Mobile Banking. Android users will need to install a new app from the Google Play Store. For those using Apple devices, your update will be automatic, as long as you have automatic updates enabled.

  • We are upgrading our Online Banking system because the new platform not only allows both consumer and commercial members more options now, but also allows us the opportunity to continue to add services and conveniences. We have been hard at work on finding the best solution for our members for more than a year and are very excited to deliver a platform that gives you state of the art functionality, convenience and security.

  • Yes. In addition to tutorials and instructions we will provide on our website, there is a “help” button available in the menu of both Online and Mobile Banking. For video tutorials and other guides for both Consumer and Commercial Banking, visit our Online Education page.

  • Your password will transfer over the first time you log into the upgraded Online or Mobile Banking platform. Once logged in the first time, you will be prompted to update your password.

Buzz Points

  • Local rewards are delivered instantly. National rewards can take 5-7 days via e-mail and 7-14 days via US Mail. The delivery method and estimated delivery time will be contained within the terms and conditions you agree to on the final page of the redemption process.

  • It can take 2-3 business days for your activity and points to appear.

  • You will earn points anywhere and everywhere you use your enrolled debit or credit card. You’ll earn 1 point for every $4 spent at national merchants, and 2 points for every $4 spent with local merchants.

Debit ATM Cards

  • We have several ways for you to proactively protect your debit and credit cards. You can sign up for our free CardValet app which gives you several options, including setting monetary and geographical limits and locking and unlocking your cards from your phone.

    For your HHCU Debit Card, you can also sign up for Mastercard Identity Theft Protection for no additional charge. Once you register for this service, you can get Identity Theft Alerts, and Emergency Wallet Replacement.

    If you have an HHCU Credit Card, you can register for the Verified by Visa Service. This adds a passcode of your choosing to online purchase for an additional layer of security.

    If you suspect your cards have been lost or stolen, give us a call at 800.865.2612, or at 800.472.3272 after regular business hours.

  • During normal business hours, call us at 800.865.2612. After normal business hours, call 800.472.3272.

  • For security reasons we do not have access to your PIN numbers. You will set your PIN when activating your card. To change your PIN, you can call 800.862.0760 or make the change at an ATM machine.

  • Daily limits are $3,000 for Point of Sale/PIN transactions and $1015 for ATM transactions. These are in place for your protection against fraud. If you know of a situation in which you will need Point of Sale/PIN transactions lifted, give us a call and we’ll be happy to help! ATM transaction limits are not able to be lifted.

     

eStatements

  • Absolutely! You can request a printed statement by calling us at 800.865.2612.

  • Yes. We use dual authentication, data encryption and secure servers to protect your information.

  • Once you access your eStatements, by logging in to either Online or Mobile Banking, you can view up to 18 months of past statements.

Goal-Based Savings

Health Savings Accounts

  • The annual contribution limit is based on the type of high-deductible health plan (HDHP) coverage you have. Current contribution limits are $3,550 for single coverage and $7,100 for family. “Catch up” contributions up to $1,000 per year are available to you if you are age 55 or older by the end of the taxable year and for any months you are not enrolled in Medicare.

  • Hoosier Hills Credit Union HSAs come with a card and a PIN which you can use like any other credit or debit card. You can also transfer funds between your Hoosier Hills Credit Union accounts through Online and Mobile banking by contacting Member Service to have your accounts connected. Do retain your receipts for tax purposes so that you can demonstrate your spending was for qualified medical expenses. You will need these should your taxes be audited.

  • HSA funds are not “use it or lose it.” The money you save belongs to you. It continues to accumulate, earn dividends and grow to give you even greater peace of mind. Your HSA balance will carry forward year after year, allowing you to budget for your health expenses and build up your savings to cover medical expenses when the need arises.

  • You can use the money in your HSA to pay for, or reimburse, qualified medical expenses for you and your family members including health insurance deductibles, co-payments, certain prescription medications, and out-of-pocket expenses.

  • HSAs must be used in conjunction with a High Deductible Healthcare Plan. HSAs can be opened for individuals and families.

  • HSAs allow you to make tax-deductible contributions for future medical expenses. Earnings, including gains in the HSA are tax deferred. Your HSA funds, both contributions and earnings, continue to be tax free as long as they are used to pay for qualified medical expenses.

Home Loan

  • If you’re home shopping you may simply enter 123 Anywhere Street, Town, and Zip of your shopping area.

  • Yes! Some changes can be made once you have a signed purchase agreement, based on qualification.

  • No worries! You are welcome to apply, we can open your membership later.

  • No documentation is needed to complete the application. Helpful items could be current paystub or W2

  • You may reach out to our Mortgage Desk at 800-865-2612 Ext 438.

  • You can enter what your personal max spending amount would be, keep in mind we can change the amount, based on qualification.

  • Not at all, we have options for borrowers with no downpayment.

  • For the purchase of vacant land, you must put down 20% of the purchase price.

  • We have many loan products available from 100% financing, conventional mortgage, land loans, construction loans, refinancing options, and more.

  • Our goal is always reach out to applicants’ same day, if after hours the following business day.

Mobile Banking

  • We sure do! To enroll, choose Text Enrollment under the Services menu. Once enrolled, you will need to add each account for which you’d like to receive messages. You can set your preferences from Settings, and then Account Preferences. Click into the account for which you’d like alerts. Choose the SMS/Text tab and toggle the status to “On.” You can also nickname your account.

    Once you’ve created your message preferences, you can text the below commands to 226563 to access your account information.

    • BAL gives you the balance of your primary account.
    • BAL account nickname gives you the balance for the specified amount (Example: BAL acct1).
    • HIST account nickname gives you the history for the specified account (Example: HIST acct1).
    • XFER account nickname1 account nickname2 amount allows you to transfer the specified amount from account 1 to account 2 (Example: XFER acct1 acct2).
    • LIST sends a list of text banking commands to your phone.
    • HELP sends HHCU contact information.
    • STOP stops all further text message communications.

     

Mobile Deposit

  • ​Once you have successfully deposited the check, you should kep the check in a safe place for 30 days. After 30 days, and after you have confirmed the deposited funds have been applied to your account, mark the check “VOID” and destroy it.

  • First, ensure both your signature and the endorsement statement “For HHCU Mobile Deposit Only” are visible within the photo. Check for photo clarity, including routing and account numbers. Also, make sure the amount entered matches the amount on the check.

  • Deposits received by 3 pm EST M-F, excluding holidays, will be credited to your account by the end of that business day. Deposits received after 3 pm EST or on weekends or holidays will be credited by the end of the next business day.

  • Check deposits made through the HHCU Mobile App are protected according to the highest financial industry standards. Security features include password protection, internet firewalls and 128-bit encryption. In addition, check images and other private information are not stored within the Mobile App or on your device.

  • You will receive an email notification when your deposit has been accepted.

    1. Traveler’s checks.
    2. Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you).
    3. Checks payable to you and another party who is not a joint owner on the account.
    4. Checks that contain evidence of alteration, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
    5. Checks that you know or suspect, or should know or suspect, represent orders to pay money that are subject to defenses by the drawer of the check or other third party.
    6. Checks previously converted to a substitute check, as defined in Regulation CC.
    7. Checks drawn on a financial institution located outside the United States.
    8. Checks not payable in United States currency.
    9. Checks dated more than 6 months prior to the date of deposit.
    10. Checks that have previously been submitted through this service or through a remote deposit capture service offered at any other financial institution.
    11. Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.
  • The maximum deposit amount allowed is $5,600 per check, $5,600 per day, and $25,000 per month.

  • To use Mobile Deposit, you must have an active Hoosier Hills Credit Union account in good standing, be enrolled in Online Banking, and have an Apple or Android device capable of downloading the HHCU mobile app.

  • Any Apple or Android mobile device can download the Hoosier Hills Credit Union mobile app, which includes Mobile Deposit.

  • Mobile Deposit, also called “remote deposit,” is a way to use a mobile device to electronically deposit checks into your account.

Online Bill Pay

  • To view Bill Pay history that occurred prior to converting to the new platform, select the Transactions drop-down form the history page and select ‘History Prior to 6/17/2020.

  • In order to register for Bill Pay, your account will first need to be funded. If you try to set up Online Bill Pay before your account has funds, you will get an error message and will not be able to complete the process. Once you make your first deposit, you’ll be ready to go!

  • To sign up, log into Online or Mobile Banking and choose Bill Pay.

  • You can have as many payees and pay as many bills as you like! You can also add, delete and edit existing payees.

  • Bill Pay is completely free for all members!

  • A Deliver By Date will display when scheduling the bill. Delivery varies by whether the payee accepts electronic payment (up to 3 business days) or requires a check (up to 5 business days).

Overdraft Coverage

  • Overdraft Privilege limits of up to $500 are available for eligible Personal Checking accounts at account opening. Personal Checking accounts in good standing for three years and/or which participate in Direct Deposit may be eligible for limits up to $750. Overdraft Privilege limits of up to $1,000 are available for eligible Commercial Checking Accounts at account opening.

    You must deposit the full amount of the overdraft (within 32 days), including any fees assessed, and maintain a positive balance for at least one business day to continue to receive Overdraft Privilege.

  • We post items in  the following order: ATM and debit card transactions (in order received), electronic credits, electronic debits (in order received), Hoosier Hills Credit Union share draft files, and share draft posting (low to high by dollar amount); however exceptions will occur. Your items may or may not be paid depending on funds availability (due to check holds or pending debit card transactions). The order in which transactions are received and posted may impact the total amount of Overdraft Fees or Return Item Fees assessed.

  • Business accounts automatically have access to Overdraft Privilege for ATM and everyday debit card transactions (Extended Coverage).

  • If you want Hoosier Hills Credit Union to authorize and pay overdrafts caused by ATM and everyday debit card transactions (Extended Coverage), you can let us know at 800.865.2612, at info@hoosierhills.com, or you can complete the enrollment form on the Overdraft Coverage page on this website.

  • You can request to discontinue Overdraft Privilege in its entirety at any time by calling us at 800.865.2612, or by sending us an email at info@hoosierhills.com.

    Without Overdraft Privilege, insufficient funds items will be returned to the payee and/or declined at the point of purchase, unless you have Overdraft Protection available to cover the item(s). You will be charged the standard return fee of $33 for all returned items.

Save to Win

  • Because you have nothing to lose and so much to win! Not everyone will win a prize, but with regular deposits into your Save to Win account all year, you are guaranteed to end up with more money saved than when you started.

  • Each month, we’ll look at your current savings balance as compared to the previous month’s balance. You’ll receive one entry for every $25 increase. For example, if your Save to Win balance increases by $50, you will receive two prize entries for the month. Those prize entries will also be added into the quarterly prize drawing, giving you additional chances to take home one of the $5,000 prizes!

  • Yes. You are allowed to take one withdrawal from your Save to Win account in the 12-month period. A $25 withdrawal fee will apply.

  • You can find the most current Save to Win rates on our online rate table or you can give us a call. We’d be happy to help!

  • A certificate is an account in which you earn a higher rate than you would in a checking or savings account, in exchange for agreeing to leave the fund in the account for a set amount of time. The term for the Save to Win Certificate is a 12 months.

  • The real prize is the savings account you will build with regular deposits each month. But to sweeten the pot, monthly and quarterly prizes are awarded at the national and state levels, as well as a quarterly prize from Hoosier Hills Credit Union.

    • $150 quarterly Hoosier Hills Credit Union prize
    • State Level: $50 monthly prizes and quarterly prizes up to $1,000
    • National Level: $25 monthly prizes and quarterly prizes up to $5,000

    Winners will be notified by phone or through the mail. All Save to Win account holders at participating credit unions throughout the country will be eligible for the prizes. Prizes will be deposited into the winners’ traditional savings accounts.

  • Every $25 deposited into your account, up to $250 per month, is another chance to win. You may make deposits of any amount into the account, but prize entries are limited to 10 per month.

  • To participate, you must be at least 18 years or older, a legal resident of a prize-linked savings state (like Indiana) and a Hoosier Hills Credit Union Member.

  • Simply request a 12-month Save to Win certificate and make an opening deposit of $25. Your initial deposit is your first step to saving and is your first entry into the monthly and quarterly prize drawings. The more deposits you continue to make, the more chances you have to win–all while building savings.

  • Save to Win is a special savings account at Hoosier Hills Credit Union that helps you build your savings while also giving you chances to win monthly and quarterly prizes from $25 to $5,000! Every time you save $25 in a Save to Win account, you get another chance to win–up to 10 chances per month. Plus, all the money you deposit into the Save to Win account is still yours, plus dividends. It’s savings–with benefits!

Visa® Credit Card

  • We have several ways for you to proactively protect your debit and credit cards. You can sign up for our free CardValet app which gives you several options, including setting monetary and geographical limits and locking and unlocking your cards from your phone.

    For your HHCU Debit Card, you can also sign up for Mastercard Identity Theft Protection for no additional charge. Once you register for this service, you can get Identity Theft Alerts, and Emergency Wallet Replacement.

    If you have an HHCU Credit Card, you can register for the Verified by Visa Service. This adds a passcode of your choosing to online purchase for an additional layer of security.

    If you suspect your cards have been lost or stolen, give us a call at 800.865.2612, or at 800.472.3272 after regular business hours.

  • During normal business hours, call us at 800.865.2612. After normal business hours, call 800.472.3272.