Yes. Joint owners will register as a new user and have their own username and password. The accounts are linked by SSN. Therefore, if you are a joint owner for multiple accounts, you will be able to view all your accounts by logging in with your own username and password once you register.

You can refer to your Heritage statements. The statement is addressed to the primary account holder. The joint account holder is listed under “shares” on the statement.

If your device allows the use of fingerprint ID, you will need to follow the below steps:

1. Log into your app and click Settings
2. Click on Face Unlock – this is where you will control face ID or fingerprint ID depending on your device settings.
3. Switch the toggle that says Use Face Unlock

This will allow your Heritage app to use your device’s biometric authentication. The app will use Face ID or Fingerprint ID depending on your device settings, not the setting within the Digital Banking App.

To activate the ability to receive mobile alerts, you must first agree to terms and conditions that can be found by navigating to Settings and under the Contact tab, there is an edit pencil next to mobile number where you will be able to request a temporary code, confirm the code, and opt that mobile device in to receive SMS alerts.

You can turn off these alerts by navigation to Tools, choosing Alerts and clicking the pencil next to the alert you are wanting to manage. Simply slide to turn the alert off and click save. Since your alerts are customizable based upon the alert type, you will need to manage or turn off each alert that you do not want to receive.

You will navigate to www.heritagefederal.org, click on the blue Digital Banking Login button. At the bottom of the login box you will see Register, click on Register. Select Individual or Business for the type of account you are registering, accept the Terms and Conditions, and continue to follow the prompts to verify your identity.

No. Heritage will never call, text, or ask you to click on a link to verify account information.  Never provide your username, password, and/or verification code even if you suspect it is Heritage.  Fraudsters may spoof our phone number and ask for personal financial information. If you receive a call to verify a card transaction that appears to be from Heritage, please hang up and call us.

Update your address by navigating to the Tools menu, selecting Settings, and then selecting Contact. You can edit your address by clicking on the pencil icon. To update your phone number or email address you can call, chat, message or stop by a branch location for assistance.

Yes, alerts can now be sent via text message, email or push notifications. Navigate to Settings and under the Notification Tab you will be able to set up your alert preferences.

Heritage’s mobile app is compatible with most Android and iOS devices. For an optimal experience, make sure your devices are using the most updated versions of software available.

Yes, you will see all of your accounts you are primary or joint owner on.

Up to 18 months of transactions will be available.

On the accounts tab, select account details. This information is based on the account selected. 

Up to 18 months of check images will be available for checks written from your account.

Yes, hiding an account from the dashboard will not affect your ability to transfer to and from the account. If you hide your account in the account widget, you can gain visibility again by navigating to Settings and making the appropriate modification under the Account tab.

Yes! You can link your external account for the purpose of transferring funds between accounts by navigating to the Transfers Menu, select Transfers, and then clicking on the blue text "+ add an account to make a transfer”. The application will walk you through the steps to add an external account. The first time you link the account you will need to confirm micro deposits and this may take up to 3 business days to confirm.

If you would like to make a loan payment from another institution’s account you will navigate to the Transfer’s tab and link an external account, then make the transfer.

Yes, navigate to the Transfers Tab, click Make a Payment with a Debit/Credit Card.  Additional fees may apply.

Transfering from one account to another, an account to loan, and to another member's account is immediate.

Setting up a new external account for ACH transfers requires a verification process and is not immediate. Transfers set up for an existing external account take 2-3 business days.

Under the Transfer Tab, select Add an Account then “Send Money to Another Heritage Federal Credit Union Member”. You will need to know the recipients last name, member number and suffix. If you would like to save the account to transfer to in the future, you can check the box.

Yes! Zelle can be used to send money to friends and family only. Zelle can be set up by navigating to the Transfers Tab. Choose Zelle and follow the prompts to enroll. Once enrolled, you will be able to send and receive money.

Select Mobile Deposit, the account you wish to deposit to, enter the amount of your check and sign the back of your check. You will then be prompted to take a photo of the front and the back of your endorsed check with your mobile device. Be sure to capture a clear picture with all corners of the check in your mobile device’s camera screen. Then submit your deposit. After your deposit is submitted, you will receive a confirmation message on your mobile device along with an email confirmation.

Mobile deposit funds will typically be available within 10 minutes unless a hold is applied on the check. When the funds are available, you will be able to see the amount in the available balance of the account you selected.

You should keep a check that has been mobile deposited for at least 7 business days to ensure there are no issues with the deposit.

Ensure the login information is correct for the financial institution that you are attempting to link. If your login information is correct, and you are still having an issue and/or if you notice a yellow alert icon or the “Balance as of…” date is old, you will need to manually refresh the data.

For mobile users, navigate to Settings and under Accounts, select the account that needs to be synced, and then update login.

For desktop or tablet users, navigate to Settings and under Accounts, select the account that needs to be synced, and click the refresh icon.

External accounts are updated daily. Some accounts will not automatically refresh if the other financial institution requires multi-factor authentication. If they use multi-factor authentication, this will require you to refresh your credentials by navigating to Settings, under Accounts and clicking on the  account you would like to be updated.

Adding external accounts will give you a holistic view of your personal finances. Using the Financial Planning widget will allow you to have a full view of your spending by category. You can use the filter option to look at specific categories or time frames across your accounts.

No, you will still have to access most features, including statements, using your other financial institution's app.

Yes. If you currently have Overdraft Protection set up, those funds will be utilized first. If there are no funds available or if Overdraft Protection is not currently set up, then ODT/ODT Plus will be utilized if you have opted in for it.

Yes. If you currently have Overdraft Protection set up those funds will be utilized first. If there are no funds available or if Overdraft Protection is not currently set up, then Courtesy Pay will be utilized if you have opted in.

No, you can’t set up Overdraft Protection on a linked account.