Accounts & Membership FAQ

Accounts & Membership FAQ

• External Transfer FAQs
  1.  How much money can I deposit or withdraw per day? Per month?
     The daily sending and/or receiving limit for external transfers is $2,500. The monthly sending and/or receiving limit for external transfers is $10,000.
  2. Is there a limit on the number of External Transfers I can process per day? Per month?
     The daily sending and/or receiving limit for external transfers is 15. The monthly sending and/or receiving limit for external transfers is 30.
  3. Is this service available to business members?
     No. This is a retail consumer service only.
  4. When will funds be withdrawn from my Visions account?
     Same day transactions process after 1PM EST, next day transactions process after 4PM EST. External Transfers are only processed on business days.
  5. Are there any fees associated with same day External Transfers?
     We do not charge members any fee for using the same day External Transfer service.
  6. How long before my micro deposits arrive?
     Micro deposits usually arrive within 3 business days of being sent as per the normal ACH processing at the receiving financial institution.
  7. Do micro deposits expire?
     Yes. Micro deposits expire within 14 days of being initiated. If they are not acted upon by the user within 14 days, a new set of micro deposits must be initiated to link an account.
  8. Can I request a limit increase on my external transfer capability?
     There are no exceptions to External Transfer limits and therefore cannot be increased. The same limits apply to all members.
  9.  How do micro deposits work?
     Two small deposits are sent to the receiving institution for verification purposes based on what the user input as their external account routing and account number. The deposits are random amounts that the user must verify after receipt by entering in those amounts in the “Verify External Account” section of Visions FCU Digital Banking under the Transfers/Payments menu. The user will see two small deposits at their other financial institution and a single offsetting debit for the total amount deposited.
  10. How do I initiate a deposit or withdrawal via an external transfer within digital banking once the account is confirmed?
      All transactions (deposits or withdrawals) can be initiated through a standard Funds Transfer within digital banking.
  11. Why would I use an external transfer instead of a Zelle® or a Member-to-Member Transfer?
      External account transfers are designed to easily move money, in larger dollar amounts than a Zelle® transaction from one account you own to another account you own. They are not designed to pay bills, transfer money to another Visions member, or pay a person back.
  12. How do I remove an external account if I’ve closed the account or otherwise no longer want it connected to my Visions accounts?
      To remove a linked External Account, open the Settings menu and select Account Preferences. Select the account and click the delete account icon.
  13. How can I stay informed about activity on my account regarding external transfers?
      Visions FCU Digital Banking provides a multitude of different alerts so that a user can easily manage all their transactions, including external transfers with a text message and/or an email. Visions recommends that the user utilizes the customizable Online Transaction Alert category to keep them informed of activity with external transfers. Additionally, there are standard security alerts regarding external transfers that are activated by default for all users.
• How do I mail a deposit or payment to Visions?

  Visions will accept check deposits and/or payments through the mail without a transaction voucher. Be sure to properly endorse the check and include deposit or payment instructions. If the check is to be applied to a loan, include the loan name, and loan ID number, if possible.

  Please mail all deposits/payments to:

  Visions FCU
  24 McKinley Ave.
  Endicott, NY 13760

  Note: Do not send cash through the mail.

• How do I access my tax forms online?

  Follow the steps below to view your tax forms online:

  1. Log in to Digital Banking.
  2. Click on the Services 
  3. Click on eStatements
  4. Select the Tax Forms menu from the left side menu list
• How do I update my mailing address for my account?

  You may update mailing address associated with your Visions account in one of the following ways:

  • Online - Log in to Digital Banking; open the Profile and Settings menu, then select Address/Contact Info. We cannot accept address change requests via email or Live Chat.
  • By Mail-  Include an original signature with your request to our mailing address:

  Visions FCU
  24 McKinley Ave.
  Endicott, NY 13760

  • In-Person - Stop into any Visions office.

  Your email address and telephone number may also be changed in Digital Banking, using the same Address/Contact Info menu.

  PLEASE NOTE: This email and telephone number update is for general contact information purposes only and will not update your contact information for delivery of a temporary password or Secure Access Code for online access. To update your contact information for delivery of your Secure Access Code, open Settings ->Security Preferences ->Secure Delivery.

• What fees am I charged if I don't regularly use my account?

  If there is no activity in your savings accounts for a period of 12 consecutive months, a $15 inactive fee is charged. The fee will continue to be charged quarterly until there is activity posted to the account.

  Note: All fees are subject to change. Visit our Service Charge Schedule for more information, located under "Helpful Info" then "Agreements" once logged into your online banking.

• How do I change my name?

  As a Visions FCU member, if you need to change your name you may do so by providing us with:

  • A member application
  • A signed card replacement form (to change your name on your card)
  • A copy of proof of name change

  To request the appropriate forms and for further assistance, you may stop by any Visions Branch Location or reach our Contact Center at 800.242.2120 menu option 4.

• How do I change my email address for my account?

  Follow the steps below if you would like to change your email address:

  1. Log in to our Digital Banking account.
  2. Click the Settings menu.
  3. Select Security Preferences and then Secure Delivery to update.

  For more help, you may reach out to Member Services for assistance at 800-242-2120 menu option 4.

  Please note: This contact information will be used for Secure Access Code delivery only. To update contact information for your account, please navigate to the "Address/Contact Info" option under the Services menu.

• How do I transfer funds between myself and another Vision's member or to an external bank or credit union?
  • We offer an online Bill Pay service that allows you to pay bills and also to transfer funds from your Visions account to other bank or credit union accounts. The service is free and a checking account is required.
  • To transfer funds within your Visions accounts, when you are logged into your account open the Transfers/Payments menu.
  • When timing is everything – send money with Zelle®. A fast, safe, and easy way to send money to friends and family – free in our Visions FCU Mobile app.
  • Our Member to Member feature allows you to move funds to another Visions member's account. Open the Transfers/Payments menu then select Member to Member. You will need to enter the recipient's Visions account number and 2-digit share ID, along with the first 3 letters of the recipient's last name. The share ID number is the identifier for the savings or checking account that you are transferring to. For example, most checking accounts are Share ID 08, and the primary savings is Share ID 01.
  • Our External Transfers feature is designed to allow you to easily move money, in larger dollar amounts than a Zelle® transaction from one account you own to another account you own. While logged into your Visions account, open the Transfers/Payments menu then select one of the easy to use External account menus to add your accounts and then verify once a set of micro-deposits have been made. 
• How do I recover my User ID or change my account password?

  Recover User ID

  If you have forgotten your User ID, follow the steps below:

  1. Visit our Digital Banking login page, or open the Visions FCU Mobile® app.
  2. Click on the Forgot User ID link.                
  3. Enter the required personal information to obtain your User ID by text or by email. 

  Reset Your Password

  If you have forgotten your password, follow the steps below:

  1. Visit our Digital Banking login page, or open the Visions FCU Mobile® app .
  2. Select Forgot Password located under the login.
  3. Follow the on-screen directions and receive a one-time access code to reset your password. The password criteria will be displayed during the process.

  Changing User ID or Password

  If you would like to change your password or User ID, simply log in to your Digital Banking account, open the Settings menu then select Security Preferences.

   

  More Help

  For complete confidential assistance, you may call Member Services for assistance at 800.242.2120 option 4, Monday - Friday, 8:30AM to 6:00PM and Saturday 8:30AM to 2:00Pm.

• How do I find out my Visions account number?

  Visions FCU takes the security of your accounts very seriously. In order to keep your information secure and protect your account, Visions will not provide account numbers or any other confidential information via email. 

  Your Monthly Account Statement

  Your monthly account statement does include your account number.  

  If you do not have a statement copy, you may request one at any Visions office, by telephone with our Contact Center at 800.242.2120 menu option 4, or you may enroll in eStatements!

  To sign up for eStatements, log in to your Digital Banking account and select "Statement Delivery Preferences" from the "Services" menu. Follow the on-screen instructions and you're done!

  And don’t worry – you can still print them out or switch back to paper statements at any time.

  The MICR Line Of Your Check

  The MICR line of your checks includes your account number as illustrated below.

  

  Membership Card

  The Membership Card given at account opening includes your account number as shown below.

  

  Digital Banking

  In digital banking, account numbers for savings, checking, and certificates can be found on the “Details & Settings” tab for each individual share, as shown below.

  
• How do I add a joint owner?

  A Visions member can add a joint owner to an account by filling out an application, available at all Visions branch locations. You can also request an application by calling our Contact Center at 800.242.2120 menu option 4.

  To add a joint owner to an account, the application must be signed by the account owner along with all new and existing joint owners.

  Identification such as a driver's license or other proof of identity is required for the joint owner.

• How do I download or export my transaction history?

  To download or export transaction history to Quicken or Excel Spreadsheet format, while logged into your account on a desktop or laptop, open the account tile to view the transaction history, then select the Export Arrow and choose your desired download format.

• How do I enroll for online account access with digital banking and the Visions Mobile App?

  Setting up online access to your Visions account is easy! Follow the steps below to get started:

  1. Visit the enrollment page on our website or download our Visions FCU Mobile® app!
  2. Follow the instructions on the enrollment page, or in the App, select "Enroll here".
  3. You'll need your Visions account number, and you will be prompted to create a unique User ID and Password.

  If you are having issues setting up your account, please call our Contact Center at 800.242.2120. Our Contact Center is open Monday through Friday, 8:30am to 6pm, and Saturday 8:30am to 2pm.