BILL PAY

Paying Bills Has Never Been Easier

CONVENIENCE & CONTROL

Online Bill Pay offers the convenience of scheduling payments up to one year in advance, setting up automatic monthly payments for recurring bills, and one-time payments to anyone from the electric company to the babysitter. Plus you’re able to easily keep track of every payment.

Bill pay gives you convenience and control in just a few clicks. Plus it’s a service that’s FREE for Pacific NW Ironworkers Federal Credit Union members with checking accounts who pay at least two bills with Bill Pay each month (otherwise, there is $4.95 monthly fee).

FREE Online Banking

Round the clock safety when you’re checking your personal finances.

For more information give us a call at 877-769-4766.

Frequently Asked Questions

Mobile Banking Basics

What is the mobile banking app? 
A. The mobile banking app lets you access and manage your bank, bill pay and credit card accounts at the speed of life. That means you can pay bills, deposit checks, view transactions and transfer money from anywhere at anytime.

Why should I use the mobile banking app? 
A. The app gives you the ultimate freedom and flexibility to keep up with your busy life. When you have the mobile banking app, you can:

Make bill payments anywhere.Add bill payees, view all your upcoming bills, make payments and access your payment history.

View transactions anytime.Get an up-to-the-minute view of your cash flow and finances in real time from your dashboard.

Make transfers anyplace.Now you can securely move money between your accounts at iPay Solutions.

Deposit checks anywhere.Get 24/7 convenience when you securely deposit checks anywhere you have an internet connection.

How does it work?
A. The mobile banking app converges your financial accounts into one simplified app that can be securely accessed at anytime, anywhere. This provides you with real-time access to your bill pay account, bank accounts and credit card accounts.

How does the app identify my upcoming bills?
A. The mobile banking app uses something called “predictive modeling.” This analyzes recurring transactions and payment patterns to identify upcoming bills. As a result, you get a holistic view of your past and future transactions.

How will I know when updated versions of the app are available?
A. Once you download the app, you will be automatically notified of new versions when they become available.

Bill Pay

How do I add a company or person as a payee?
A. To add a payee, simply:

Select “Bill Pay” from the menu

In the Payees section, select the “+” icon

Select “Company” or “Person” as the payee type

Enter the required information. For a company, this can be found on your bill statement.

How do I pay a bill? 
A. After you add a company or person as a payee, you can pay a bill. To pay a bill, simply:

Select “Bill Pay” from the menu

Select “Make a Payment

Select the payee you wish to pay

Enter payment amount, choose the pay-from account and select payment date

How do I send money to a person?
A. You must first add the person as a payee. To do this, simply:

Select “Bill Pay” from the menu

In the Payees section, select the “+” icon

Select “Person” as the payee type

Next, choose your payment method:

  • Provide the recipient’s email addressand a secure password of your choosing. The recipient then logs in to a secure site using that password and provides the required account information. A payment is deposited electronically from your account into their account.
  • Provide the recipient’s bank routing number and deposit account informationand a payment is sent electronically.
  • Provide the recipient’s mailing addressand a paper check will be mailed.

Once you add a person as a payee, follow these steps to send a payment:

  1. Select “Bill Pay” from the menu
  2. Select “Make a Payment
  3. Select the payee you want to pay
  4. Enter payment amount, choose the pay-from account and select payment date

Check Deposit

What is the mobile banking app check deposit? 
A. The mobile banking app check deposit allows you to deposit checks from anywhere simply by taking pictures of the front and back of an endorsed check.

Why should I use the mobile banking app check deposit? 
A. Because it’s the convenient, secure and smart way to make deposits. Anywhere you have a data connection to the internet, you can deposit checks. That’s 24/7 convenience. You can also deposit checks immediately, so there is less chance of them being lost or stolen. That’s smart security. That’s the mobile banking app check deposit.

How do I enroll to use the mobile banking app check deposit? 
A. Enrolling is easy. Simply follow the steps below:

Log in to your app

Select “Deposit” from the menu

Follow the prompts and complete the enrollment form

After the form is submitted, the app will notify you of your approval in one to two business days.

How do I deposit a check using the mobile banking app?
A. To deposit a check, simply:

Select “Deposit” from the menu

Select “Deposit a Check

Use the “Amount on the check” field to enter your check amount

Select the accountyou want to deposit your check into

Tap the imagesand take pictures of the front and back of your check

What kind of checks can I deposit?
A. Personal and business checks, money orders, travelers checks and U.S. Treasury checks made payable to you and drawn on a bank within the United States.

How many checks can be deposited at a time? 
A. Only one check per deposit. This is because each check is considered a separate deposit. However, you can make multiple deposits in a single mobile session. There may be a limit to the number and amount that you can deposit each day.

Do I still endorse my checks? 
A. Yes, endorse checks the same as you would if you were depositing them at the branch or ATM.

Do I need to use a deposit slip to make a deposit through the mobile banking app check deposit? 
A. No. You will only need to take a picture of the front and back of the check being deposited.

How will I know that my deposit was accepted? 
A. The mobile banking app makes it easy to review the initial status of your deposit. Using the “Transactions” menu in the app, you can see if the deposit has been posted to your account. The check will be posted once the deposit has processed.

Can a deposit be rejected? 
A. Occasionally, deposits can be rejected. When that occurs there are specific reasons for rejecting the deposit. These reasons can include:

  • Images unreadable:This means check images cannot be read by the system.
    What to do: If this occurs, please take new images and try your deposit again.
  • Invalid check type:Includes savings bonds, insurance drafts or foreign checks.
    What to do: Please do not try and deposit these types of checks using the mobile banking app check deposit.
  • Duplicate check deposit: This means the check has previously been deposited.
    What to do:Verify that you have received a previous credit for the deposit.
  • Other issues:There may be other issues present with the check, such as a missing endorsement signature or amounts that don’t match.
    What to do: Please refer to any messages you receive for further instructions.

Transactions

How do I tag a transaction?
A. Tagging transactions allows you to quickly locate your purchases. To tag a transaction, simply:

  1. Select “Accounts” from the menu
  2. Select an account
  3. Select “Transactions
  4. Select the transaction you wish to tag
  5. Click “Add tags

Accounts

How do I add my credit card account to my app?
A. The mobile banking app lets you view all your finances, including credit card accounts, in one place. To add an account:

  1. Select “Accounts” from the menu
  2. Select the “+” icon
  3. Type the credit card institution name in the “Search” box
  4. Select your institution from the list
  5. Enter your login credentials to add the account

How do I transfer money between accounts?
A. You can move money where you need it when you need it with your mobile banking app. Simply:

  1. Select “Transfer” from the menu
  2. Select “Make a Transfer
  3. Answer your security question
  4. Choose transfer type. The app will then display eligible accounts.
  5. Select “From” and “To” accounts and enter transfer amount
  6. Input your amount
  7. Select “Submit
  8. Review and select “Approve” if correct

Security and Privacy

How secure is this app?
A. The mobile banking app is extremely secure. We use a variety of methods to ensure that all data is stored securely in our U.S.-based, world-class Tier-3 data centers. In fact, you can rely on the same security measures that we use for online banking. All of our services are “N+1 redundant,” which gives you a deeper layer of protection and continuous reliable service. This includes facilities, networking equipment and the servers that host our app. In addition, our data retention and business continuity plans are comprehensive and our employees maintain organization security measures designed to keep your data safe. You should also know that at no time do we share your information with a third party or another financial institution.

How can I prevent others from using the mobile banking app on my phone?
A. Upon initial setup, you will be asked to create a four-digit passcode. This passcode will be required each time you launch the app and can be changed in the app’s settings. Please keep your passcode private for your protection.

Who will see my bank information?
A. Only you will see your bank information. Your information is never shared with a third party or another financial institution.

Is this app safe to use over Wi-Fi?
A. Yes, the use of the mobile banking app over Wi-Fi is no different than using it on your phone’s data connection. All data is sent over an encrypted Secure Socket Layer (SSL) connection.

What happens if I lose my phone?

A. We can remotely wipe the mobile banking app to ensure your data is cleared from the phone. Please contact us for assistance if your phone is lost or stolen and you would like to initiate a remote wipe.

What happens if I change my password in online banking?

A. If you update or change your online banking password, you will be asked to re-authenticate your identity within the mobile banking app. After successful re-authentication, you may continue app usage.

Get Started

How do I download the mobile banking app?
A. Download the app on the App Storeor Google Play.

How do I start using my app?
A. Follow these simple steps:

  1. Touch the app icon on your home screen.
  2. Follow the on-screen guide and enter your account information.
  3. For additional security, you will also be asked to create a four-digit passcode. The passcode will be required each time you launch the app.

If you cannot remember your login information or the answer to your challenge question, please contact us for assistance.

Are there any requirements to use the app?
A. In order to use the mobile banking app:

  • You must be enrolled in online banking at iPay Solutions.
  • You must have: Apple iPhone®with iOS 5.0 or above or Android 2.1 or above.

Great resources for additional tools when building out bill payment/online and mobile banking on our website.  Lots of Marketing material.

http://ipaysolutions.com/rc

Institution ID 38634

mobile-banking-small

Your money’s safe and secure.

All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. The NCUA is the federal agency that administers the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is a federal insurance fund backed by the full faith and credit of the U.S. Government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. If you have more than $250,000 on deposit at Pacific NW Federal Credit Union, ask us how you can maximize your coverage.

Your money is safe and secure
All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. The NCUA is the federal agency that administers the National Credit Union Share Insurance Fund (NCUSIF).
The NCUSIF is a federal insurance fund backed by the full faith and credit of the U.S. Government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. If you have more than $250,000 on
deposit at Pacific NW Federal Credit Union, ask us how you can maximize your coverage.