Ventura County Credit Union
Online Banking
User Guide
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Table of Contents
Registration…………………………………………………………………………………………………………..………………….………
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Log-in………………………………………………………………………………………………………………………..……………………..
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Profile Page..………………………………………………………………………………………………………….…..…………………….. 8
Accounts Tab……………………………………………………………………………………………………………..……………………... 9
Account Summary Page…………………………………………………………………………………..……………………. 9
Transaction History………………………………………………………………………………..………………….. 10
Change Nickname Account….…………………………………………………………………..………………… 11
Editing a Transaction Category …………………………………………………………………..……………… 12
History Sub Tab………………………………………………………………………………………………………….…….……. 13
Transfer Tab……………………………………………………………………………………………………………………………….….….. 14
Transfers …………………………………………………………………………………………………………………………....…. 14
Loan Payment …………………………………………………………………………………………………………….……….…. 14
Loan Advance……………………………………………………………………………………………………………….……….… 14
Scheduled Transfers……………………………………………………………………………………………………..…….….. 15
External Transfers………………………………………………………………………………………………..…………….…… 16
eDocuments Tab………………………………………………………………………………………………………………………………… 19
Bill Pay……………………………………………………………………………………………………………………………………………….. 20
Account Services Tab………………………………………………………………………………………………………………….……… 21
Check Order…………………………………………………………………………………………………………………………… 21
Check Stop Payment………………………………………………………………………………………………………………. 21
Check Withdrawal………………………………………………………………………………………………………………….. 21
Alerts Tab……………………………………………………………………………………………………………………………………..……. 22
Budget Tab……………………………………………………………………………………………………………………………………..….. 24
Transaction Reports………………………………………………………………………………………………………………… 24
Editing Categories………………………………………………………………………………………………………………...… 25
Editing Transactions from a Graph………………………………………………………………………………………….. 26
Creating a Budget……………………………………………………………………………………………………………………. 28
Dashboards Tab…………………………………………………………………………………………………………………………………… 29
Setting up Dashboards ……………………………………………………………………………………………………………. 29
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Registration
To register for the new Online Banking system, follow the registration information/link found on the VCCU website:
https://vccuonline.net
To register for the first time,
1. Start at the VCCU website
Note: All Quest Home Banking Users must register with our new Online Banking system
2. Click the Online Banking Registration link
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Registration
Enter your:
1. Account Number
Note: The account number can be found on your statement, your membership card, or by contacting
VCCU (Do not use the account number found at the bottom of your checks).
2. Last four digits of the Social Security Number of the primary account holder
3. Birthdate of the primary account holder (example: 01/01/2014)
4. You must review the terms of service agreement by clicking on the link
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The agreement will display in a separate window
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Once you have read the agreement the Accept box will be available to continue
5. Type YES to accept the terms of the agreement
6. Click the Submit button to continue the setup
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Registration
Create a username, password and
enter your email address
Click Next to continue
Tip: Click on the “user name rules”
link for tips.
Tip: For your security please do
not use your account number as
your username or password.
Select three security questions by clicking
on the drop-down menu and selecting the
security question you wish to answer
Type your answer to the question you selected in the answer box
Once you have selected three different
questions and answered them, click Next
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Registration
Type in a Security Phrase that you will see each time you log into Online Banking
Select a Security Picture that you will see each time you login. If you want four more picture choices click the Next link
next to the pictures
Click Next
Tip: The Security Phrase and Picture is for you to recognize that you are on the right website. A common technique for
fraudsters to impersonate a financial institution. This minimizes the potential for you to be deceived
This page shows that the system is
setting up your account
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Log-in
Log-in screen
Enter your username and
click Next
This page will show your
Security Phrase, Security
Picture and will ask for
your Password
Enter your Password and
click Next
Tip: The Security Phrase and Picture is for you to recognize that you are on the right
website. A common fraud technique is for fraudsters to impersonate a financial institution. This minimizes the potential for you to be deceived
For your security, please
answer your Security
Question.
Tip: If you are using a
trusted computer you can
click the “Yes” button so
you will not need to answer a security question
when using the trusted
computer.
Click Next to access your
account
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Profile Page
The Profile Page is found in the upper right hand corner of your screen. It displays information specific to
your online banking profile and allows you to edit your online banking security information
To edit the Sign in information, click on the More Details button
The page below displays the Sign in information you are able to edit. To edit the information, simply click
the Edit link, make your changes and click Save
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Accounts Tab
Account Summary Page
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The Account Summary Page is the default page that loads after the log-in page. It shows Account Balances, Loan and
Credit Card Balances. This page gives you a general overview of your VCCU accounts.
1. If you would like to view the recent transactions of an account, simply click on the Account or Loan name. This
will bring you to the Transaction History page
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Transaction History
The Transaction History page is displayed when the account name is clicked. This shows the recent activity of this account.
Description/Notes—Describes the type of transaction that took place, and where the transaction originated. If it was a
debit transaction it gives information about the merchant.
Date/Age—Describes the date the transaction took place and how long ago it took place.
Flags—Are a function for your convenience. You can use Flags to call attention to the transaction for review at a later
date.
Category—Categories are an organizational tool in the online banking system that helps you keep track of where your
money is going.
Merchant—Displays a picture of the merchant’s logo connected to the transaction.
Amount– Displays the amount of the transaction.
Balance—Displays the current balance after the transaction took place.
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Change Account Nickname
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To change the nickname of the account as it appears on online banking
1. Begin at the Account Summary Page
2. Click on the Edit button
3. The page below displays your accounts. To change the nickname of the account enter the nickname in the corresponding box
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Editing a Transaction Category
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To edit add a Note on the transaction, change the Category of the transaction or add a flag to grab your attention
1. Click on the Edit Transaction button, and the box shown above will appear
2. Type in notes, click on a colored flag, and/or change the category by using the dropdown arrow
3. Once you have made your edits, click Save to save the edits
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History Sub Tab
The Transaction History page by default displays all of the recent transactions of All Accounts. If you would like to view
the transactions of a specific account
1. Click on the Switch Account link
2. Click the
to select the account you wish to view
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Transfer Tab
Transfers
To transfer between accounts you must designate whether you are making a transfer between Deposit Accounts
(Checking, Savings, and Money Market), Making a Loan Payment, or Making a Credit Line Advance
1. Click on the type of transfer you would like to make
2. Enter the amount you would like to transfer
3. For an advance or payment, designate where the transfer is being drawn from and where it is to go
Transfer Between
Accounts
Make Loan
Payment
Make a Credit
Line Advance
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Scheduled Transfers
Scheduled Transfers are displayed on the page below
1. To schedule a transfer, click on the Add Scheduled Transfer link
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2. Add Scheduled Transfer by entering the amount of the transfer
Tip: There are shortcuts that will auto fill common amounts for your convenience.
2. Click on the dropdown arrow to select the account you wish the transfer to come from
3. Click on the dropdown arrow to select the account you wish the transfer to go to
4. Click on the dropdown arrow to select the frequency of the transfer
5. Once these selections are made, click Save to schedule the transfer
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External Transfers
To transfer to an External Account you must set up the external account
External Accounts Tab
1. Click on the Add External Account link
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Tip: The system will
need to verify your
identity by sending you
an email to the email
address you have on
file.
2. Click on the Send
Passcode To
dropdown and select your email address.
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3. Click Send Passcode
Tip: Keep online banking open while you
check your email.
4. You will receive an
email from
onlinebanking@
vccuonline.net with
your passcode
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Tip: For your security,
you will have 10
minutes to input your
passcode.
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5. Enter your passcode
in the box provided
found on the Identity Verification—
Confirmation page
6. Click Confirm
Passcode
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External Transfers (Continued)
Once your you input the passcode you will be able to enter the external account information.
1. Enter the nickname you would like the account to be called
2. Enter the routing number
3. Enter the account number
4. Indicate if the account is a savings or checking account
5. Click Next
Tip: For your convenience the bottom of the page displays where you can find the routing number and account number.
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External Transfers (Continued)
The added External Accounts will display on the External Accounts page.
1. Your External Accounts will display on the External Accounts page
Note: After 2-3 business days check your external account for small test deposits from your VCCU account.
Once you see these “micro deposits”
2. Click on the Verify link
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External Account Verify page
3. Input the micro deposit amounts that appeared on your external account
4. Click Submit
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eDocuments Tab
The eDocuments page displays the electronic documents related to your accounts, including eStatements
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Viewing eStatements
1. Click on the Electronic Statements sub tab
2. A “pop-up” will display the eStatement page (see below)
3. Click on the Statement date you wish to review
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Bill Pay
To access Bill Pay click on the Bill Pay tab. The Bill Pay page will show up as a pop-up, so if it does not automatically
“pop-up” change your settings to allow pop-ups for this site.
For your convenience there are a number of videos to walk you through Bill Pay. Please view those videos for a detailed tutorial. You can access the videos by clicking on the View Demo or Show me how on the Bill Pay page. There is
also a Help Page link you can click for help.
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Account Services Tab
Allows you to order checks, stop a check payment, or request a check.
To Order Checks, use the dropdown menu to select the account you wish to order checks. Click Next. This will direct
you to our check ordering vendor where you can complete your order
To Stop a Check Payment, use the dropdown menu to select the account from which the check was drawn, then input
the check number and amount. Click Next. The next screen with ask you to confirm your request. Note: the stop payment will be good for 6 months
To Request a Check, type in the amount of the check. Use the dropdown menu to select the account from which the
check is to be drawn, then choose to add a comment. Click Next. The next screen with ask you to confirm your request. Note: the check will be sent to the address VCCU has on file
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Alerts Tab
Stay on top of your accounts by setting Alerts to remind you of loan payments, or warn you when your balance is low.
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Add an Alert
1. Click on Add Alert link
2. Choose the type of alert you wish to set up
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3. Click Next
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Add an Alert (continued)
Below is an example of adding a Balance Alert. Each type of alert has different criteria and options for you to customize. Customize the alert to serve your specific need, including where you would like the alert to be sent.
Tip: Make sure to click Save to save your alert when you are finished.
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Budget Tab
Allows you to
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Run reports on your accounts for you to review
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View your transactions in categories to help you keep track of your spending and income
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View Yearly, Quarterly, Monthly, Weekly, and Daily Transactions in graphs for further ease of review
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Set up a budget and compare your budget to the actual spending
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Budget Page View
1. Expense categories are general groupings of your transactions. It displays three months at a time. If you would like
to find an earlier month, click on the arrow above the month column. The system will display the next consecutive
month based upon the direction of the arrow
2. The page automatically includes all of the accounts, but if you would like to view a specific account click on the
drop down arrow next to the Report On section to select a different account. Then click Next
3. To view a graph of your monthly transactions, organized by category, click on the graph icon next to the month you
wish to view
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Editing Categories
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To change the name of the Category and allow the system to recognize transactions and automatically place them in
the correct category
1. Begin on the Budget page
2. Click on the category edit icon
3. Change the name
4. Set a budget amount here
5. To add key words that the system will recognize, click on the Explain link and follow the instructions
6. Click Save
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Editing Transactions from a Graph
The system automatically recognizes many of your transactions and places them in Categories. The system places
transactions that it does not recognize into the category None. It is most easily seen when viewing a monthly graph.
How to edit a transaction
1. Begin on the Budget page
2. Select the graph icon next to month you wish to view. The graph will display the categories of transactions for that
month
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Editing Transactions from a Graph (continued)
3. Click on the portion of the graph that is labeled None. The All Accounts Transaction History page will display
4. Click on the Edit Transaction button
5. Click on the dropdown menu and select the correct category
6. Click Save
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Creating a Budget
1. Begin on the Budget page
2. Click on Suggest. This is a good starting point because it will set a budget based upon your three previous months
category averages.
3. On the Budget—Suggested Monthly Budget page, click on the Use This Budget link
4. Click on the Budget tab at the top of the page to return to the Budget page (See page 25 for specifics)
5. To edit your budget amounts for each category, click on the Edit Category icon, and change the budget amount
desired (See page 26 for specifics)
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Dashboards
Dashboards show you a quick snapshot of your accounts. There are a many ways to view your accounts using the
Dashboard page
To set up a Dashboard
1. Begin on the Dashboards page
2. Click on the dropdown menu titled Add Widget and select the information you would like to display
3. Click Add to add the dashboard
4. The dashboards will be there for you to view whenever you login to the online banking site
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