Can I look at my account online?
If you have an active account with Synergy FCU or recently opened an account, you can access Online Banking by following the instructions on the enrollment section. If you need assistance, you may contact us during regular business hours at 888-272-8228 or email us at email@example.com. Once you have access to online banking you will be able to view your account, transfer funds, enroll in Bill Pay, and use our other services found within online banking.
Is there a fee for online banking?
What is Synergy FCU Mobile App?
This is a product that allows you to access your account from your smart devices with internet access by downloading our Mobile App. Other services also available on the Mobile App include transferring funds, paying bills, reviewing transaction history, Get Cash Back for Purchases, deposit checks via “Mobile Deposit” and Card Control for Debit Cards.
How does the Synergy FCU Mobile App work?
You must first download the App from either ITunes or Google Stores using a smart device with internet access.
Once you download the App, login using your Online Banking User ID and Password. Once logged in you can:
- Access your accounts – view account transactions, balances, pay bills, transfer funds, deposit checks
- Transfers – Transfer funds between your Synergy FCU accounts
- Credit Cards – view your Synergy FCU credit card statements, pay your credit card
- Pay Bills – setup cancel or edit a bill payment
- Deposit Checks – Register for “Mobile Deposit” within our Mobile App and start depositing your checks with a quick snap of the front and back of your check.
- Contact Us – Contact us by phone or email from within the app
Is Synergy FCU Mobile App available to all users?
Synergy FCU’s Mobile App is available to all online banking users who have access to smart devices.
Is it safe to bank using Synergy FCU’s Mobile App service?
Yes, to protect your privacy you are required to authenticate yourself on each individual mobile device using the same information from online banking. All communication between your mobile device and the mobile banking server is encrypted. In addition, your password and account information is never stored on the mobile device.
How many transactions can I see on my phone at a time?
When you select an account name on the Accounts tab, the last 30 days of transactions will display. You may need to scroll down to see all your transactions. The transaction history goes back 90 days.
Who can use Mobile Deposit Capture?
Active account users of the Mobile App can register for Mobile Deposit. Must be in good standing with the SFCU and must be over 18 years old.
Are there limits on how much I can deposit using the Mobile Deposit?
Yes, approved users have “per deposit”, “daily deposit” and “rolling 30-day deposit” limits.
How do I log out?
When you are ready to log out, select the Sign off button at the top right of the page and you will exit the Mobile App. You will be returned to the Login screen.
Is a password needed for the Mobile App?
Yes, from your mobile device you will need to login to the Synergy FCU Mobile App using the same login information you would for Online Banking. No separate Mobile App login is required.
I have disconnected my mobile phone. Will my services continue?
Your account will remain active. But, you must have a mobile device to use this product.
Is Help available through my mobile device?
Click the Contact us tab to find our support phone number 888-272-8228 and email address, firstname.lastname@example.org. For help regarding your mobile device and/or wireless internet connectivity, contact your wireless provider.
My session timed out quickly, can I change the time out value?
Online Banking is ten minutes, and Mobile App is five minutes. These are the only timed out options for your security and protection, when there has been no activity for the timeframes mentioned the session times out and the system returns to the login page.
Can I pay bills using the Mobile App?
Yes, you can access Bill Pay from the Mobile App to pay bills.
Can I access Purchase Rewards using the Mobile App?
Yes, you can access Purchase Rewards in the app by selecting the More or additional services button and click on the “Get Cash Back” tab to view the Purchase Rewards available.
How do I view my credit card information in either Online Banking or Mobile Banking App?
Your credit card account appears on the home screen of your Mobile Banking App. Simply tap it to view your credit card transaction history, statements and other information.
How do I setup Text Banking?
Log in to Online Banking, click on Additional Services, choose Mobile Banking and Alerts, and Text Message Banking will be available.
What do I do if my mobile device is stolen?
If your mobile device is lost or stolen, Log in to Online Banking as soon as possible and change your password as a precaution. You may also contact your service provider. Often they are able to deactivate or wipe the data from your lost/stolen phone.
What are cookies, and why do I need to enable them?
Cookies allow us to recognize particular devices you use to browse and log in to Online Banking, making the process of logging in easier and safer. To enable cookies, open your browser settings and look for cookie settings. If you’re having trouble, give us a call at 888-272-8228 during normal business hours.
What can I do in Mobile Banking?
Most of your day-to-day banking activities can be accessed through your Mobile Banking App.
- Check balances
- Transfer money
- Make payments
- Pay bills
- Access credit card information
- Deposit checks via mobile
- Apply for loans
- Debit Card Control
- and more!
Can I transfer money to another person who isn’t a member at Synergy FCU?
Yes, you can pay anyone with just an e-mail address using PopMoney.
How do I setup automatic recurring transfers?
Log in to Online Banking and select the tab Move Money and click Schedule a Transfer. Follow the on-screen prompts to schedule the transfer and check the box to indicate a recurring transfer.
I can’t sign in to Online Banking. What should I do?
We’ve all forgotten a username or password on occasion. Follow the appropriate links underneath the login box to recover a username or reset your password. If you haven’t registered for Online Banking feel free to give us a call to get started.
What’s my Online Banking PIN?
The Online Banking PIN is a single-use password issued only to first –time users of Online Banking. Once you’ve used an Online Banking PIN to activate your account, the PIN becomes invalid. You will be prompted to set a new password that will be required for future logins. For assistance with this process, you can contact as via email at email@example.com or call 888-272-8228 during regular business hours.
How can I transfer funds between my accounts with Online Banking?
Select the ‘Transfer’ button from the tool bar and a list of accounts from which you may transfer from and to will be displayed. You normally can only transfer between accounts under the same number unless you have setup *Cross Account transfers with the Member Services Department.
*You must be joint on all Cross Accounts you wish to activate with the cross account transfer service.
Can I transfer funds from another financial institution to my Synergy FCU account?
Yes, you can schedule transfers between your accounts at Synergy FCU and another financial institution in Online Banking, select Move Money tab and click External Transfers. Select Transfer between My accounts in the designated boxes, and enter your information from the other financial institution.
Can I make a loan payment online?
Yes. To make a payment on your Synergy FCU loan, log in to your Online Banking account, select the Move Money tab and click Loan Payment. You may schedule a one-time payment or set up recurring payments so you never miss a loan payment again.
If you are paying with an account at another financial institution, simply have the account and routing number available for the account you’re going to pay from.
How can I access my statements in Online Banking?
Log in to Online Banking and select the tab Additional Services and click eStatements.
Can I setup alerts to notify me about account activity?
Absolutely! Text or email alerts are a great way to manage your spending and stay knowledgeable regarding your money. Set alerts with you to two (2) email addresses and two (2) phone numbers – you can set alerts that help you avoid a low or negative account balance, help you keep track of spending in certain categories.
Log in to Online Banking, and select the Alerts tab to set your account alerts.
Is there a time limit for Online Banking Session while inactive?
Yes, the default timeout value is 10 minutes.
What constitutes as activity?
Any action done while logged into Online Banking counts as activity that will extend the time left in the session. This activity includes: clicking on the page, clicking on links, moving from page to page, typing in available fields and so forth.
One-Time Passcode (OTP)
When a one-time passcode (OTP) is generated, the passcode is valid for ten (10) minutes before it expires.