What Is VantageScore & How Does It Work?
Learn how VantageScore is different than FICO, and how you can check your credit score for free.
Online Banking
Manage Your Money Anywhere, Anytime
Honor Credit Union offers free online banking to all of our members. We know that you don’t always have the time to come see us when you need access to your account. Not that we don’t love to see your smiling face, but with online banking you can access your account no matter where you are or what time of day it is.
Download the Honor App
Online Banking Features
- Review the balance of your checking, savings, money market, certificate of deposit, and loan accounts
- Transfer funds between your accounts, and to other members
- Download account details to Microsoft Money or Intuit Quicken
- Set alerts for when automatic deposits or withdrawals are processed by clicking the eAlerts Subscriptions within online banking
We offer our members the chance to view their Vantage Score credit score for free in Online Banking. Scores are updated once every quarter, meaning any new credit activity or credit pulls won’t be reflected in your score in your online account until the next quarter. Here’s how to view your credit score:
Within Online Banking
- Login to Online Banking on your desktop computer
- Under the My Accounts menu tab select Credit Score
Within The Honor App
- Login
- Tap More, and then tap “View Credit Score”
Please Note: VantageScore is not available in mobile online banking on mobile devices. Your credit history will not be provided with your credit score in online or mobile banking. You can view your full credit report for free once per year at AnnualCreditReport.com.
Improve Your Credit Score
We have partnered with GreenPath Financial Wellness to help our members in all aspects of their financial lives, including their credit score. A GreenPath expert will work with you one-on-one to develp a plan to help you improve your score. The initial call to GreenPath is free!
Stay up to date on transactions happening within your account with eAlerts. One popular alert to setup is the ACH transaction alert. You can get notified anytime an ACH deposit, or withdrawal happens.
From Within Desktop Online Banking
- Under the Info Center menu tab, select eAlert subscriptions
- Here you can select from a list of alerts to subscribe to, including ACH transactions
- Adjust the settings to your liking
- Select where to receive your eAlert*
- Verify your email address
- Click Add
*Please Note: You must sign up for text banking to have alerts sent to mobile devices.
- My Virtual Strong Box is the virtual answer to safe deposit boxes
- Protects your data and gives you easy access to your important documents through cloud technology
- Upload important documents and access them online when you log into your Honor account.
- Allows you to securely send important documents
A Personal Internet Branch (PIB) is a way to create a personalized online banking experience unique to you!
Security Control Options
- What days of the week and times of the day do you want your branch to be open for business
- Which PCs should be able to access your online branch
- What types of transactions can be performed
- Which types of transactions that should ask for a second, confirmation code
- How to limit transfers or other transactions to a certain maximum dollar amount
How To Create a PIB
Members enrolling and creating their online banking profile for the first time will be prompted within It’s Me 24/7 that a “PIB profile is required.” Here members are given a choice to “Accept the Credit Union Default as My PIB Profile” or to “Create My Own PIB Profile Now.” Accepting the Credit Union Default is recommended and done by most, however you may create your own profile to customize your how your online banking features will work for you. Standard security uses the security features already built into It’s Me 24/7 and allows you complete access to all It’s Me 24/7 features at any time, on any day. The customization process will take about 10-15 minutes to complete, depending on the choices you make. You may always revisit and manage your PIB profile by clicking “Manage My Security” in the upper right-hand corner on your It’s Me 24/7 homepage.
Members already enrolled in online banking may create their PIB profile if they do so wish by clicking “Create My Security” in the upper right-hand corner of your online banking homepage. Here you will establish your PIB profile will be defaulted to standard, however you may customize your security settings to your personal desires. You may always revisit and manage your PIB profile by clicking “Manage My Security” in the the upper right-hand corner on your It’s Me 24/7 homepage.
Check Your Credit Score
We offer our members the chance to view their VantageScore credit score for free online. Scores are updated once every quarter, meaning any new credit activity or credit pulls won’t be reflected in your score in your online account until the next quarter.
How To Check Your Score On A Desktop Computer
- Log in to 0nline banking on your desktop computer
- Under the My Accounts menu tab select Credit Score
How To Check Your Score On The Honor Mobile App
- Download the app and log in
- Tap More, and then tap “View Credit Score”
Please Note: VantageScore is not available in online banking in mobile browsers. Your credit history will not be provided with your credit score in online banking. You can view your full credit report for free once per year at AnnualCreditReport.com.
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Please Note: VantageScore is not available in online banking in mobile browsers. Your credit history will not be provided with your credit score in online banking. You can view your full credit report for free once per year at AnnualCreditReport.com.
Mange Your Money Online
MoneyMap is an online money management tool, integrated into online banking, that empowers you to take control of your finances and simplify your life. Budgeting, account aggregation, categorization and mobile access are just a few of the tools to guide you along your way.
MoneyMap Features
- MoneyMap is easily accessible from online banking
- View all of your non-Honor accounts and credit cards in one place
- Visualize and interact with your budget using the Bubble Budget
- Track your expenses and get to know your spending habits
- Create your own customized debt plan for your lifestyle
- Quickly determine if you're moving in the right direction with your net worth
Reorder Checks
You can easily reorder more checks from within online banking on a desktop or laptop computer! You can also order more checks by visiting the Deluxe website directly.
How To Reorder Checks
- Login to online banking on a desktop or laptop computer.
- Click the orange “OC” icon next to Checking on the main Account Summary page.
- Check reordering is not available in the Honor mobile app
Online Bill Pay
Take the stress out of paying bills with Online Bill Pay, a free tool to help members schedule automatic payments, and much more!
Online Bill Pay Advantages
- Save time and reduce stress by managing multiple bills
- Setup automatic payments within online banking or in the Honor app
- All payments are automatically logged in your checking account
- Set email alerts
- Get notified if your balance is showing insufficient funds
Within Online Banking
- Log in to your account
- Select Pay & Transfer
- Select Pay Bill
- From here you will click Add Payee
- You can select from a list of popular payees in the drop down or by typing the business or organization name and then select continue*
- Once completed, click continue
- Login to your account
- Tap Move Money
- Tap Bill Pay
- From here you will click Add Payee
- You can select from a list of popular payees in the drop down or by typing the business or organization name and then select continue*
- Once completed, click continue
Paying Bills Is Less Stressful With Online Bill Pay
Save time, get notified if you have insufficient funds, create alerts, and create automatic payments with Online Bill Pay.
*For security purposes, members are automatically unenrolled from Bill Pay if you have not used the service within 90 days of enrolling, or 12 months of inactivity. You can re-enroll for free at anytime.
E-Statements
Do you want faster access to your monthly statement in a more secure setting that also helps out the environment? E-Statements are your answer!
Advantages
- E-Statements are a FREE service offered to all of our Honor Credit Union members
- E-Statements are available on the second day of every month, which is four to six days earlier than paper statements
- Because they are always available in online banking and on the Honor mobile app, you don’t have to worry about losing paper statements, and you’re helping the environment
How To Enroll
- Login to online banking, hover over the “eStatements” button and select “Enroll Now!”
- Please Note: Enrollment feature not available on mobile devices
- Click the button next to “I would like to receive my statements electronically” and enter the email address where you would like your e-statement notice sent
- Click “Accept”
Online Banking FAQs
If you forget your password, you can click on ‘Forgot Password’ and enter your username then hit continue. Next step is to answer your three security questions and hit ‘Proceed to change Password’.
If you can’t answer your questions correctly, you will need to contact us to reset your questions and password. After we verify your identity, we can reset your questions and password for you and then you will need to log in right away and set up new ones.
You will need contact us and we can unlock your account and reset your password and questions for you. After we verify your identity, we can reset your questions and password for you and then you will need to log in right away and set up new ones.
Your initial temporary password is only good for 24 hours and must be changed within that time frame. If outside of that time frame you will need to have the password reset. Please contact our Virtual Member Center at 800.442.2800 for assistance.
First, you will need to contact us or stop by a local member center to authorize access to switch between accounts.
Online Banking
- Login to Online Banking
- Click Switch Memberships under the My Account section on the left side of the screen.
Mobile App
- Login
- Tap My Accounts
- Tap My Other Memberships
Once you are logged in, select ‘Pay & Transfer.’ and then choose ‘Transfer Money’. From there you can decide if you want to transfer money now, or schedule it for the future.
You can transfer money to any of your accounts (except IRA’s), as well as other Honor members’ accounts. If you are transferring money to another member, you will need their membership number, account suffix, and first three letters of their last name to complete the transfer.
Yes! You can pay non-members using our Pay Anyone tool.
- Login to Online Banking
- From the Pay & Transfer menu category at the top select ‘Pay Anyone’.
- You will need to know the person’s name, and email or phone number to send the money to.
* Please Note: Once you have sent the money, there is no way to cancel it or receive a refund. Please make sure you have correctly typed in the email or phone number.
Yes, you can!
- Login to Online Banking
- Select My Accounts and then choose Account Summary.
- Select your loan under the loans sections. The loan details screen will then show you the due date, along with payment details, interest rate, payoff balance, and original loan balance.
Your mortgage might be serviced through Midwest Loan Services. If that’s the case you will have to login through their website.
