Going to the bank can be a real pain; there’s a long line at the counter, a longer line at the ATM, and someone stole all the pens you need for filling out bank forms. Luckily, online banking can save you time and trouble. But are you making the most of what you can get from your banking tools? Here are a few key things good online banking will let you do.
Most online systems let you easily check your account balances, and transfer money from your savings to checking with a few easy clicks. You can also make payments via the online banking tool; this is functional for both paying monthly bills as well as making loan payments. At HRCCU, if you are an eStatement member, all online bank statements are at your fingertips whenever you need them. If you use the HRCCU app, you can also deposit checks directly from your phone by simply snapping a picture of the front and back and hitting submit, at which point it begins processing instantly.
Any online banking tool worth its salt will help you track your budgetary goals and spending habits. With a function like TRENDS, HRCCU’s tracking tool, you can build a realistic budget to help you put more of your money away, and spend less. Always forget what time of the month that pesky energy bill is going to hit your account? These trackers put all your bills in one easy location, so you can see exactly when your account will be and for how much; that means no more bill payments sneaking up on you.
With TRENDS, you can also integrate with third-party institutions - If you have a retirement fund, you can link it to TRENDS and integrate that into your financial planning as well. If you have a home mortgage that can not only be integrated into the TRENDS tool, but can also give you access to a handy property assessment feature in which you can enter your home address and receive an instant estimate of your property value.
What Else Can I Do?
Online banking offers multiple other features that make it even deeper and more useful for you. If you’ve sent out a check, but soon afterward realize that you need to cancel it, there’s an online “stop-payment request” feature. You can also request copies of your checks and view digital scans of your checks online, which makes keeping track of deposits and payments a whole lot easier.
We’ve also built a personal alert system into our online banking; if your account balance goes above or below your set amount, you will be automatically alerted, and can take action if necessary. This feature can also be set to trigger if an important deposit clears your account- you’ll know that important funds are available right away. If you use an external software for your finance management, you can easily export your transactions into that software to keep your books in order, or you can categorize your transactions internally using HRCCU online banking.
Find yourself in a pinch and need to get to the nearest branch quickly? Our branch locator can tell you exactly where the closest HRCCU bank is, and if they’re open. Online banking support also provides a number of legal banking documents that you can get ahold of without physically going a bank location. And if you’re curious about our fee schedule, you can find that there too.
Whether you’re a brand new customer or a long-term client, our goal is to always make taking care of your money as painless as possible; that’s why we have an online banking platform that’s built with customer convenience and financial security as the top priorities. We don’t want to just meet your banking expectations -we want to exceed them. And of course, we’re always here if you need us.