Digital Banking

If you're new to VCCU or haven't registered for Online or Mobile Banking with us before, it's easy to get started!

1. Go to Register
   • Visit vccuonline.net and click Register, or
   • Download the VCCU Mobile App and select Register a New Account
2. Choose Your Account Type
   • Select Personal Account or Business Account
3. Accept the Disclosure
   • Read through the Disclosure and check I Agree
4. Verify Your Identity - Enter:
   • Member Number (found on your statements, checkbook or Member ID Card)
   • SSN, TAX ID or EIN if you are a business (Note: if you are having issues entering your numbers, please try adding dashes Ex. 000-00-0000)
   • Birth Date
   • Email address we have on file for you
   • Click Continue
5. Get Your Passcode
   • Choose how to receive your one-time passcode (by text or phone call)
   • Enter the code and click Verify
6. Create Your Login
   • Set your password (make sure it meets requirements)
   • Accept the Online Banking disclosure and click Continue

Security Tip: NEVER share your password or passcode with anyone. VCCU staff will NEVER ask for your password, PIN or one-time passcode.

 

1. Start from the Login Screen in Online or Mobile Banking

   • Click Forgot Password under the login box

2. Accept the Guidelines

   • Review and agree to the password safety guidelines, then click Continue

3. Verify Your Identity - Enter:

   • ​Username

   • Social Security Number

   • ZIP code on file

4. Get Your Temporary Password

   • Choose to receive your code by text or phone call

   • Enter your username and the temporary password (valid for 24 hours)

5. Create a New Password

   • Set your new password

​Reminder: NEVER share your password with anyone. VCCU staff will NEVER ask for your password or one-time passcode. 

Go to the login screen and select "Forgot Password". Follow the prompts to reset your password and unlock your account.

Yes, Spanish is available on the online desktop platform. At the top of the login screen, there is a Spanish and English option that can be toggled back and forth. For mobile, you will need to change your phone language settings to view the app in Spanish.

To access online banking, use Chrome, Edge, Safari or Firefox. Please make sure to disable pop-up blockers, as those will limit access to some online banking functions.

For both the Mobile app and Online Banking, go to the top right of your screen and select the Profile image > Log out.

Yes, on the new platform, we allow for member-centric logins - meaning each member will have a separate login and will have the ability to see all the accounts they are joint on. By default, joint accounts will not be shown, but you can easily go to Services > Settings > Accounts, and from there you can edit the visibility for each account you are an owner of.

Once you have logged into the new Online or Mobile Banking platform, click on the 'Services' tab from the top navigation menu, or if you're on the Mobile app select 'More' from the bottom menu and 'Services'.

1. Next, select 'Settings' and then 'Accounts'
2. In the Accounts section, you’ll find a list of all the accounts you have access to, including joint accounts, external accounts, and ACH accounts.
3. Click the 'Pencil' icon on the right-hand side of the account you would like to edit 
4. Here you have the option to give the account a nickname and assign a specific color
5. Uncheck the box next to 'Hide This Account' if you would like to see this account on your dashboard or make it available to transfer to.

Note: if you see an eye symbol crossed out with a line through it, that means the account is currently hidden and you will need to uncheck the 'Hide This Account box to see it.

You can set up direct deposit in one of two ways:

1. Through your employer – Complete a direct deposit form from your company’s payroll administrator or payroll system
2. Through VCCU Online or Mobile Banking – Go to Accounts > Direct Deposit and follow the prompts

Information you’ll need for all options:

• Your employer's name
• Your VCCU account number – Found at the bottom of your checks, at the top of your statements, or in Online Banking under Accounts.
• VCCU Routing Number – 322283505

If you need further assistance, please contact us during regular business hours.

How to Use Zelle^®

Zelle^® lets you send money to friends and family you know and trust, quickly and securely.

1. Log in to Online Banking or the VCCU Mobile app.
2. From the Dashboard or More menu, select Transfer & Pay > Zelle.
3. Verify your identity using a one‑time code sent by text or phone call.
4. Under Send Money with Zelle, choose Send, Request, Split, or View Activity.
5. To send money, select a contact or add a new one using their U.S. mobile number and full name.
   1. Please remember: Only send money to people you know and trust. Money is treated like cash, once the money is sent, there is no way to get it back.
6. Review and submit your transfer.

The recipient will receive a text or email notification, and you can track the transaction under View Activity.

To set up a new Payee:

1. From the dashboard or More menu, select Transfer & Pay > Bill Pay
2. From the Bill Pay dashboard, select + Add Payee
   1. Select Business or Person
   2. Complete the required fields

Once a payee is added, you can schedule a one-time payment, schedule a recurring payment, and view history.
 

From the main dashboard, select Transfer & Pay from the navigation menu > Transfers.

1. Under Transfer/Pay - Accounts: 
   1. From Account dropdown: select the account the funds are coming from.
   2. To Account dropdown: select the account the funds are going to.
   3. How Much: enter the amount you would like to transfer.
   4. When: Choose the frequency from One Time to Daily, Weekly, Bi-Weekly, Monthly, Etc.
   5. Date: Once you determine the frequency, choose the date you would like the transfer start date to take place. For example: if you select the frequency for End of Month, only that date will be available to choose from. ie. October 31, 2024. 
   6. Series Ends: Choose the date you would like the transfers to end. This can be set to Never, a specific date, or if you select Occurrences, you can enter the number of times you would like to have scheduled before it ends, ie. 6, 10, 12
   7. Memo: is optional and can be used to help you keep track of your transfers easily in your account history and statements 
2. Once you are finished, select Review Transfer.
   1. If everything looks correct, select Submit Transfer. If not, you can select Edit Transfer to go back and make changes. 
3. Additional Notes:
   1. Select Scheduled to see which payments you have scheduled, both one-time and recurring.  
   2. Select Activity to see past transfers history.

Yes! You can link external (non‑VCCU) accounts in three ways. To get started, go to Transfers > Add Account, then choose your preferred option:

1. Add External Account (Recommended): Transfer money to and from the account (these accounts will not show on your dashboard)
2. View-Only Account: See balances and transactions on your dashboard (no transfers)
3. Manual Account Setup: May take up to 3 days to verify; allows transfers (also will not show on your dashboard)

Note: Some loan accounts may require a separate transfer setup before payments can be made.

Yes! To order checks, go to Accounts > Check Services > Reorder Checks.

Unfortunately, no. If your card is suspected of fraud the card will disappear from your card manager. It’s best to review your transaction history to see if any unusual transactions appear.  

Note: For added security, we recommend that you sign up for Fraud Alerts to receive an alert text message from us when we suspect fraud on your account. 

This is an internet network error. Try using a different browser or follow these common troubleshooting steps.

• Update your browser to the latest version
• Clear your browser cache and cookies
• Disable all browser extensions
• Make sure JavaScript is enabled
• Make sure cookies are enabled
• Try in incognito / private mode
• Try a different browser or device
• Turn off any VPN or proxy
• Try from a different network

If you are unable to access the app, you may need to uninstall and then reinstall the app on your device. To uninstall your app:

1. Go to the Google Play Store
2. Tap the Profile icon in the top right 
3. Tap Manage apps and devices
4. Select the app to delete
5. Tap Uninstall

Then, go back to the Google Play Store and reinstall the VCCU Mobile app.


 

If an employer is not showing, they may not participate but can be added manually. Alternatively, if you do not find your employer’s name, you can check with your company's payroll provider (i.e., ADP, Paycom, etc).
 
Note: Not all employers support percentage allocation.

If you see a sad face ☹ next to any account on mobile, the account needs to be revalidated. You will need to go to Settings > Accounts to revalidate.  Alternatively, you can log into online banking from your computer or laptop, click on the red hand symbol, and use "This account needs attention" to resolve any revalidation required.

If a separate mailing address existed in the old digital banking system, it will carry over to our new system. If you need to add a new separate mailing address, please contact us or visit your local branch to get that updated.