Online Services

Manage your finances anytime, anywhere with Harbor Pointe Credit Union’s online services. From secure digital banking and convenient mobile access to e-statements and mobile wallet, our online tools make it easy to stay in control of your money no matter where you are — whether you’re checking balances, transferring funds, or paying bills.

Designed with simplicity and security in mind, our online services give you fast, flexible access to your accounts so you can bank on your schedule. Explore the digital tools available to simplify your life.

Online Banking

Convenient access to real-time account information from your personal computer.

With Harbor Pointe Credit Union Internet Home Banking, you can access your accounts 24/7 from the comfort of your own computer.

Our Home Banking is packed with convenient services

Check account balances
Transfer funds
Make loan payments
Access e-Statements
Pay bills*
Send money to accounts at other financial institutions*
Set up text alerts to help you monitor accounts
Use Trends Personal Finance Manager
Access your credit union credit card information
And much more!

* Checking account required for these online services

Mobile Banking

Banking on the go from the convenience of your smart phone or tablet!

With the HPCU online banking and mobile banking app, you can do a lot more than check a balance or transfer money. Our Mobile Banking is packed with convenient features for your mobile phone or tablet. Quickly log in with facial recognition and you will have access to features including Remote Check Deposit, Bill Pay, Debit Card Manager and more!

Mobile Banking Features Include

Instant Balance: When enabled, you can securely preview your balances without logging in
Quick and secure login: with Facial Recognition
View balances: get your balances in real time
View transactions: both pending and recent transactions
Transfer Funds: transfer between accounts or make loan payments
External Transfers: Transfer money to other fianancial institutions
Request and Receive Money: Request and receive money from other people
Deposit Checks: quickly deposit checks using the camera on your phone with Remote Deposit
Debit Card Manager: Turn your debit card on/off, set travel dates within the US, set PIN and more

Fully secure

For your complete confidence our mobile banking uses multiple layers of authentication delivering the highest level of security.

To Enroll, Search Harbor Pointe Credit Union on one of these Apps Stores.

Mobile Wallet

A convenient contactless way to use your debit card.

Add your HPCU debit card to the mobile wallet on your smart phone.

Apply Pay, Google Pay and Samsung Pay are all supported.

Adding the HPCU debit card to your mobile wallet replaces your physical debit card and cash with an easier, safer, more private and secure payment method. Use your debit card in mobile wallet for contactless payments in stores, for online purchases & within apps. It’s a safe & simple way to pay every day.

The mobile wallet is widely accepted across the U.S. While you can add multiple credit cards to one mobile device you must select a default card to use. So add the Harbor Pointe debit card to your mobile wallet application to keep us top of wallet and ready to use anytime!

Steps to add your card to mobile wallet

(Apple Pay steps are referenced)

Open your mobile wallet app on smart phone
Select the + sign in the app
Select the “Debit or Credit Card” option
Continue to the “Add Card” screen and take a photo of the front of your debit card
Verify your name and card number
Add the expiration date of your card and the security code on back of card
Agree to terms and conditions
Text “Card Verification” to you your phone and you should see Card Activated message along with the green HPCU debit card image

Your card is now ready to use from your mobile device.

Online Bill Pay

The quick and secure way to pay your bills.

No more costly postage stamps and complete control of when your bills are paid each month are just two of the many benefits you will love with Harbor Pointe Credit Union’s Online Bill Payment service.

With our Online Bill Payment service you’ll enjoy

Quick one time set up of billers you would like to pay electronically
The ability to transfer money to or from your accounts at other financial institutions (called “account-to-account” transfers)
Easy access through Internet Home Banking or Mobile Banking
Safe, secure and efficient

Simply click on the “Pay Bills” tab within Internet Home Banking and follow the instructions to get started.

A Harbor Pointe checking account is required to enroll. If you don’t have a Harbor Pointe checking account, you can add one to your membership account online within online banking, or stop by any office today.

* Checking account required for Bill Payment service

Mobile Check Deposit

With your smart phone, snap a photo of a check you would like deposited into your checking account. Deposit checks any time 24/7.

* Checking account required for Mobile Check Deposit service

To Deposit A Check

Endorse check as you would if you were depositing at a credit union branch and write “For Mobile Deposit Only” below signature. All parties the check is payable to must endorse the back of check. By noting “for mobile deposit only,” you have just safeguarded the check if by chance it were to get into the wrong hands and someone were to try to cash it again.
Log in to Mobile Banking app
Select Deposit / Deposit a check
Select account to credit / must be a checking account
Type in dollar amount
Take a photo of the front and back of the check
Photo Tips
- Flatten folded or crumpled checks before taking your photo
- Place check on a solid dark background that won’t reflect your camera flash
- Make sure there is plenty of light on the check
- Capture all four corners of the check by holding phone/tablet directly overhead
- Check to make sure that no other objects are included in the photo frame
- If your image is blurry, move the camera a few inches higher (away from check)
- Try turning off the flash if you’re having problems with quality or lighting
- The app reads the MICR line (numbers on the bottom of your check) and the amount box; make sure both are readable
Carefully enter the amount to ensure it matches the check (note the written out amount on the check)
Keep check for 60 days, then shred
Notify us within 3 days if deposit does not show
Keep the app up to date with the latest version (open app store to review installed apps and ones pending approval for updates)

Who is eligible to use Mobile Check Deposit?

Harbor Pointe Credit Union members with an active checking account
New accounts must wait 30 day before using this service and demonstrate financial responsibility with account.
This service is available to business accounts as well. However, there is a small fee for business accounts to use this service. See fee schedule.

Are there limits for deposits made through Mobile Check Deposit? Yes, checks of $5,000 or less can be accepted through mobile check deposit. Limits are set as a safeguard against check fraud.

What type of checks can I deposit? Checks made payable to you and drawn on a financial institution within the United States can be deposited through Mobile Check Deposit.

Why is my check deposit declining? Is the check amount over the daily maximum? Is the image unclear? See photo tips above.
Do you have the latest version of the app? Check by going to the app store to see if there is a pending update for the HPCU app.

The check I deposited was returned. Can I re-scan it? No, you cannot re-scan a returned check. Your account will be assessed a return item fee and you will receive copy of the deposited item. It is best to contact the party that gave you the check that was returned.

eStatements

Save time and paper with eStatements from Harbor Pointe Credit Union!

Receive an email when your statement is ready to view, normally the first or second business day of the month
Log into Online Banking to view statement
View up to 18 months of past statements
Safer than paper statements sitting in mailbox or around the house

After you log in to Online Banking, click on one of your accounts, then select Online Statements to enroll!

Zelle®

Zelle® is a safe, fast and easy way to send and receive money with friends, family or anyone you know and trust. With Zelle® you can easily split a bill, request money for a group gift, or pay back your roommate for your share of the rent.

Easy to get started

You will find Zelle® within Online / Mobile Banking Service, under the Pay Bills tab. Note: you must be enrolled in Bill Pay Service to use Zelle®
Select Send Money With Zelle®
Accept terms & conditions
Choose the account you would like to use
Start sending money to anyone you know and trust
Free with Virtual Checking account. A monthly Bill Pay/Zelle® fee will be assessed to Classic Checking account, see fee schedule.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Transfer Now – External Account Transfer

Securely move money between your Harbor Pointe Credit Union checking account and accounts of yours at other financial institutions with Transfer Now.

After you log in to Online Banking simply go to the Transfers tab then select External Account Transfer.

* Checking account required for Transfer Now service

Getting Started With Quicken / Quickbooks

Our Online Banking services offer a simple and convenient option to download your financial transactions to a third party software such as Quicken. If you are new to Quicken or QuickBooks or would like more information, these tutorial guides will help answer your questions.