Welcome to CU Online

Welcome to CU Online from FORUM Credit Union. CU Online is a secure home banking application that changes the way you manage your accounts. This innovative account access service is free to all members and allows 24/7 accessibility to your account information. In addition to viewing account activity and performing financial transactions, you can set up email Alerts and communicate with FORUM employees through our secure email connection. Other exciting features of CU Online include:

  • e-Statements
  • Check Images
  • Budgeting Tools
  • Customizable Account Alerts
  • Mobile Deposits

Bill Payment is another powerful function of CU Online. Use this service to pay anyone on a recurring or one-time basis. Bill Pay is available to all members and is free of charge. Click Here to view a list of features as well as a demo.

Using this Guide

This User Guide is the reference you will turn to most as you work with CU Online. It contains detailed instructions on most tasks you perform.

If you are new to online banking, please take some time to browse through the User Guide table of contents; we think it will prove worthwhile. The help section is designed to provide step by step procedures on the functions available through CU Online.

Table of Contents

Browser Recommendations

Table of Contents
Compatible Browsers Download
Internet Explorer 8+ http://www.microsoft.com/ie/
Firefox 3.6+ http://www.mozilla.org/en-US/firefox/fx/
Chrome 11+ http://www.google.com/chrome
Opera 11+ http://www.opera.com/download/
Apple Safari 5+ http://www.apple.com/safari/download/


Internet Explorer Settings

Settings

1. Open Internet Explorer
2. Click on TOOLS (located in the Toolbar)
3. Click on Windows Update
4. Select Express Downloads
5. Follow Online Instructions to complete your update
6. You may be required to restart the system after installation has completed

After Restarting

1. Open Internet Explorer; click on TOOLS, then Internet Options
2. Under the General tab within the Browsing History section: Click on Settings.

    Under "Check for newer versions of stored pages"
3. Select Every visit to the page then click OK
4. Click on the Advanced Tab

    Under the Browsing section make sure that the Disable script debugging
    option is checked

5. Then click on OK

Cookies Enabled

In the upper menu bar
1. Click Tools
2. Click Internet Options
3. Click the Privacy Tab
4. Ensure the setting is on Medium High or lower. A setting of High or Block All Cookies will not allow you to log in

Contact Us

Table of Contents

You may reach our Live Chat representatives through the "Chat" link.

Member Services 317.558.6299 or
800.382.5414 extension 6299
Bill Pay Questions 866.313.4784

Please have your account number on hand
when calling with Bill Payment questions.
FORUM Main Number 317.558.6000 or
800.382.5414
Lost or Stolen Credit Card 800.234.5354
Lost or Stolen ATM or ATM/Check Card 800.523.4175, option 2 - To have card blocked

Call FORUM Member Services during business
hours to order a new card
Loans 317.558.6100
Any Branch Office 317.558.6000 to be connected
Mailing Address FORUM Credit Union
PO Box 50738
Indianapolis, IN 46250
Shipping Address FORUM Credit Union
11313 USA Parkway
Fishers, IN 46037

Privacy and Security

Table of Contents

Privacy Statement

View our privacy statment PDF icon.

Security Statement

FORUM, its affiliate companies, and all employees at FORUM recognize the importance of protecting the personal financial information of our members and former members. Because you choose to do business with us and because we value your business and your continued trust, we firmly believe it is our obligation to keep your account and financial information secure and confidential.

Security Standards

We restrict access to your non-public account or personal information to our authorized employees who are trained in the proper handling of customer information. We maintain physical, electronic and procedural safeguards to ensure compliance with federal standards that are intended to safeguard your nonpublic personal information.

Information Collected

In the course of providing services to our members, we collect, retain and use personal financial information about you. For example, when you apply for a loan or open a new account, we may ask you to provide information about your financial status, such as your employment, income, monthly expenses, and assets. We may also use third-party sources, such as consumer reporting agencies and other creditors, if we need to know about your credit and repayment history. After you become a member, we maintain information about your transactions with us, including your account balances, investments, payment history and overdraft history.

We may collect nonpublic personal information about you from the following sources:

  • From you when you complete applications or forms for various products or services
  • From our own history of your transaction with us, our affiliates or others
  • From third parties such as title companies, appraisers, and credit bureaus

Information Provided to Third Parties

Under no circumstances do we provide account or personal information of our members to other companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies. We may, however, from time to time carefully select business partners to provide you with specialized financial services, such as insurance. Although these companies are not affiliated with us, we work closely with them in meeting your financial needs. If appropriate, we may disclose to these companies information, such as your name, address and telephone number, that we receive from you on applications or other forms. Our business partners must agree to strictly safeguard the confidentiality of our members' information, and they are not allowed to disclose this information to anyone else without our permission.

We may also disclose certain nonpublic information of our members to third parties in the following limited circumstances:

  • When you request or authorize us to do so
  • When we complete transactions that you initiate or conduct our day-to-day business operations (i.e., printing checks and mailing monthly statements)
  • When we provide information to a credit bureau or similar reporting agency or clearing agency
  • When required by law, regulation or court order, or in response to a properly authorized subpoena (in which case we release only the specific information required)

In each case where we release nonpublic information to a third-party company, we require the company that receives the information to agree to safeguard the information and use it only for authorized purposes.

Information Provided to Affiliates

In our effort to provide a wide range of products and services to our members, we may share information about you with one or more of our affiliates. An affiliate is a company we own or control. For example, we may share your name, address and telephone number with our affiliated companies that offer investment services, automobile-buying services and insurance services.

Under the Fair Credit Reporting Act, you may elect not to permit us to disclose certain nonpublic information regarding your credit history with other companies, including our affiliates. Before we will share such credit-related information with any outside company or affiliate, you will be given the opportunity to prevent (i.e., "opt-out" of) such disclosure.

We respect the privacy of the personal financial information of our members and former members, and we welcome suggestions from you on how we may enhance the privacy measures described above.

Favorites: When viewing your accounts, your "favorites" are listed at the top of the screen for your convenience. Underneath each account name, you can choose to add or remove it from the "favorites" list.

Transfers: Click the "Transfer" box right of the account name to send a transfer to any of your other accounts with FORUM.

e-Statements: Click the "e-Statements" link under the account heading to view your saved e-Statements.

Stop Payment: To place a stop payment on a paper check, click the "Stop Payments" link under the Accounts heading.

History: Click on any account name to view the last 60 days of transaction history for that account. You can enter a specific date range if needed. To "tag" a transaction, which will assign it to a budget category, just click on the transaction and the "Split" button. Choose the category (or multiple categories) from the drop-down box, enter the dollar amounts, and click "Update".

Credit Card

Table of Contents

Do I have to be a FORUM member to open a FORUM MasterCard® Credit Card?
The FORUM MasterCard® credit card is a benefit for our FORUM Credit Union members. If you are not currently a FORUM member you can open your membership account (a basic savings account) at the time of your credit card application. Standard membership qualifications and account opening guidelines apply.

Can I sign-up for e-statements for my credit card?
Yes, use FORUM’s free online banking platform, CU Online to access your credit card information and to sign-up for e-statements. From the Accounts > Credit Card page, select your card number from the drop box and click Continue. This will connect you to the MyCardInfo site where you can view/manage your card information and sign up for e-statements. Signing up for e-statements provides you with the ability to access an electronic version of your credit card statement while extended statement history allows views of up to 12 months of statement history.

Once I sign up for e-statements, can I go back to receiving paper statements if I change my mind?
Absolutely, unsubscribing from e-statements just requires the click of a button in MyCardInfo.

What is the difference between automatic payments and one-time payments?
Automatic payments are applied to your remaining balance automatically, at the end of your statement cycle. You can choose from several different payment options:

  • Pay a specific amount each month
  • Pay minimum payment amount
  • Pay balance or minimum payment amount
  • Pay balance
The cardholder manually inputs one-time payments for a specified amount on a requested date.

Can I cancel or edit a payment after submitting it?
Yes, as long as the payment has not been processed or posted to your account, you can change or cancel the requested payment.

Mobile Deposits

Table of Contents

Mobile Deposits is a service that allows you to make check deposits to your FORUM account from the convenience of your computer. Using a standard scanning device and the software we provide, you can send secure digital images of checks for deposit into your account without ever leaving your home or office.

Your account must meet the eligibility requirements outlined below in order to qualify for the Mobile Deposits program. Accounts are reviewed daily for eligibility. FORUM Credit Union reserves the right to revoke eligibility of the Mobile Deposits program due to misuse at any time and without prior notification.

Please note: The following information is a summary of helpful tips regarding the Mobile Deposits program. For full disclosure details, please review the End User Agreement. This may be viewed upon enrollment in the Mobile Deposits program. Once enrolled, the EUA may be accessed by clicking the Disclosures link at the bottom of the screen once you've accessed the Mobile Deposits site. In addition, there are numerous help screens throughout the Mobile Deposits site to assist you.

General Eligibility & Requirements:

  • Credit Score Requirements
    • Must have a credit score greater than 600 on file with FORUM (within last 12 months)
    • If no current credit score is available, must have an account relationship of $1,000 or more in deposits (checking, savings, subshares combined) and membership open for 30 days.
    • If credit score is less than 600, account is not eligible for the service regardless of account relationship balance.
  • Loans must be current - cannot be more than 10 days delinquent on a loan
  • Shares must be in good standing - no suffix may be negative 30 plus days or have permanent holds or other restrictions placed upon it
  • We must have a valid address on file

We are open to making exceptions based on the individual member and their relationship with us. Please call 317.558.6299 or 800.382.5414 to speak with a Member Service Representative for more information.

Check Requirements:

Any image of a check transmitted to us must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to scanning the original check, you must endorse the back of the check. Endorsement will include your signature and the following information: Account Number, Date, and the words via WWW. The scanned image of the check transmitted to us must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute (ANSI), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association.

Deposit Limits: The deposit limits control the total deposits allowed for Mobile Deposits users.

  • Per deposit limit: $5,000 (no single deposit may exceed $5,000)
  • Total daily deposit limit: $5,000 (combined total of all daily deposits may not exceed $5,000)
  • Rolling 30-day deposit limit: $50,000

Funds Availability Policy:

All funds deposited via the Mobile Deposits program may be subject to review and our internal check hold policy.

General Policy: For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 3:00 p.m. on a business day that we are open, we may consider that day to be the day of your deposit. However, if you make a deposit after 3:00 p.m. or on a day we are not open, we may consider that the deposit was made on the next business day we are open.

Hold Guidelines: Checks that you deposit may not be available until the second business day after the day of your deposit. However, the first $100 of your deposit will be available on the first business day after the day of your deposit.

Longer delays may apply: We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:

  • We believe a check you deposit will not be paid
  • You deposit checks totaling more than $5,000 on any one day
  • You deposit a check that has been returned unpaid
  • You have overdrawn your account repeatedly in the last six months
  • There is an emergency, such as failure of communications or computer equipment

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.

Hardware & Software Requirements:

The Mobile Deposits program works with the standard device drivers used for everything from desktop flatbed scanners and all-in-one devices to multi-feed duplex scanners. Mobile Deposits supports multiple operating systems and browsers, as well as both the Java and ActiveX controls. Following are the currently supported environments:

Supported Operating Systems:

Windows XP, Windows Vista, Windows 7, or MAC OS 10.5

Supported Browsers:

Internet Explorer 6+, Firefox 2+, Safari 3+
Note: The recommended browsers listed above are Internet Explorer 8, Firefox 3, and Safari 5.

ActiveX: If the browser hangs with an hourglass, this is caused by security software on your network blocking the outbound HTTPS connection of the ActiveX control. The ActiveX software uses a direct HTTPS connection to upload your check images for processing, and will not use a configured proxy server. For most users, this does not cause any problems. However, some users may have a non-transparent proxy that prevents this direct connection, and the browser may hang with an hourglass. The Java version of Mobile Deposits properly uses your browsers proxy configuration. Refresh this web page and follow the Use Java Version link.

Java: If you receive an Upload Error message, please check your Java version by clicking on the coffee cup icon. Java versions prior to 1.5.0_08 have some known bugs that may prevent the upload from working. Upgrade your Java at www.java.com.

If either of these conditions exist, you will need to close Mobile Deposits and re-scan your deposit using the Java version (with up-to-date Java Virtual Machine software).

Features & Benefits

  • Convenient and secure access to Mobile Deposits through CU Online for making deposits from your home or office
  • Receive prompt email notifications of deposit status
  • Monitor all account activity easily through CU Online
  • A FREE and convenient service from FORUM Credit Union

Q: Why are funds on hold in my account?
A: Funds may be placed on hold in your account for a variety of reasons as outlined below:

  1. Minimum Share Balance Hold - We require that you maintain a minimum $5.00 balance in your Savings account to keep it open.
  2. Delinquency Hold - When a loan payment becomes past due, funds equal to the amount of the delinquency may be placed on hold until the payment is received and posted.
  3. Check Hold - Checks deposited into your account are subject to a hold. Please review the Funds Availability Policy within the Account Disclosures and Agreement booklet for more specific details about hold items.
  4. Shared Branch Deposit Hold - Deposits made at a Shared Branch outlet are subject to a hold. Please review the Funds Availability Policy within the Account Disclosures and Agreement booklet for more specific details about hold items.
  5. Shared Branch Unposted Pending Hold - A transaction performed at a Shared Branch outlet has not yet posted to your account. The delay in posting may be caused by routine system maintenance. Please check your account after 24 hours to ensure the transaction has posted and the hold has been removed.
  6. ATM Deposit Hold - Deposits made at an ATM are subject to a hold. The first $300 of the deposited amount is immediately available. The remainder will be available on the second business day after the deposit.
  7. ATM Unposted Pending Hold - A withdrawal was made at an ATM which has not yet posted to your account. Funds in the amount of the transaction are placed on hold in your account until the transaction posts. The delay in posting may be caused by routine system maintenance. Please check your account after 24 hours to ensure the transaction has posted and the hold has been removed.
  8. POS Unposted Pending Hold - A PIN-based purchase made with your debit card has not yet posted to your account. Funds in the amount of the transaction are placed on hold in your account until the transaction posts. The delay in posting may be caused by routine system maintenance. Please check your account after 24 hours to ensure the transaction has posted and the hold has been removed.
  9. ARS Unposted Pending Hold - A transaction performed using our telephone banking system (Tellerphone) has not yet posted to your account. Funds in the amount of the transaction are placed on hold in your account until the transaction posts. The delay in posting may be caused by routine system maintenance. Please check your account after 24 hours to ensure the transaction has posted and the hold has been removed.
  10. PBS Unposted Pending Hold - A transaction performed using our Internet banking system (CU Online) has not yet posted to your account. Funds in the amount of the transaction are placed on hold in your account until the transaction posts. The delay in posting may be caused by routine system maintenance. Please check your account after 24 hours to ensure the transaction has posted and the hold has been removed.
  11. Debit Card Preauth Hold  - A purchase has been authorized using your debit card. The authorized amount is placed on hold in your account until the transaction posts or within 72 hours.
  12. Permanent Hold- For information about a permanent hold on your account, please contact the credit union.

Q: What is a Pledge?
A: Funds in your account may have been used as collateral for a loan. These funds could be held in your savings and certificate shares.

If you have additional questions regarding Funds on Hold in your account, please contact the credit union directly.

Debit Card Preauthorization Holds

Table of Contents

In conjunction with new Federal regulations, FORUM places preauthorization holds on transactions performed with your debit card when processed as a "credit" or MasterCard® type purchase. (This does not include PIN-based "debit" transactions.) Since these transactions do not post to your account immediately, funds in the amount of the purchase will be placed on hold in your checking account. This is a way of reserving those funds in your account for the debit card purchase. Most holds are removed automatically when the transaction posts to your account - usually within one or two days. In the event a hold is not removed automatically when the transaction posts, it will automatically drop off 72 hours from the time of the original transaction.

Full account information, including funds on hold and your available balance are displayed within your account in CU Online, FORUM Credit Union's home banking site. If you are not currently using CU Online, we encourage you to begin utilizing this free service as the most accurate way of managing your account and receiving account alerts, such as balance information.

See below for answers to frequently asked questions. If you have further questions regarding these changes, please contact the credit union. Thank you for being a FORUM member, we look forward to continuing to serve your financial needs.

MasterCard® Debit Card Preauthorization Hold FAQs

  1. What is a MasterCard® Debit Card preauthorization hold?

    When you use your MasterCard® Debit Card to conduct a credit transaction (you do not enter your PIN), the merchant sends us the amount, usually your purchase total, for preauthorization. This amount is placed on hold and removed from your available balance immediately. Holds are typically released when the transaction clears your account or within 72 hour from the original transaction time, whichever comes first. The hold helps reflect the most current available balance on your account through FORUM's CU Online Internet Banking, Tellerphone Banking, CU Online Alerts and at ATMs.

  2. Will MasterCard® Debit Card preauthorization holds apply to all of my purchases?

    No, they only apply to MasterCard® Debit Card purchases when you sign your name or do not enter a PIN. Debit card purchases and ATM withdrawals made using a PIN subtract the funds immediately from your account, thereby reflecting an accurate available balance.

  3. What is the difference between my actual balance and my available balance?

    Your available balance reflects any preauthorization/deposit/check holds, etc. and is used to determine available funds for future transactions on your account. If funds are not sufficient in the available balance at the time a transaction clears, and overdraft or NSF fee is charged for each transaction that attempts to post. Likewise, if there are not sufficient funds in the available balance at the time of new ATM or Debit card authorizations, the transactions could be declined. If you have opted-in for Overdraft Privilege coverage on ATM and Everyday Debit Card transactions, your transactions may still be authorized for a fee. If you have questions about your overdraft coverage, please contact the credit union.

    The balance we use internally as transactions clear is called your current balance and includes all items that have cleared the account up to that point. This current balance does not include outstanding debit card purchases, share drafts (checks), or automatic drafts (ACH).

  4. Why is FORUM Credit Union implementing MasterCard® Debit Card preauthorization holds? Won't that mean less money for me?

    Unlike PIN-based transactions which post immediately, signature-based debit card purchases are a two-step process, consisting of an authorization and a settlement. When your card is swiped for authorization at a merchant, it is verifying that your account is valid and funds are available for the cost of the transaction. At this point, funds are "held" and deducted from your available balance, but are not yet removed from your account. Usually, within one or two days, the settlement transaction is received and funds are deducted from your account and transferred to the merchant. At this time, the original hold is usually removed.

    Most members depend on the accuracy of their available balances to help them avoid NSF or Overdraft Privilege situations and associated fees. MasterCard® Debit Card preauthorization holds allow members to view pending transactions and provide timely available balance information.
    For example:

    John visits the ATM and sees his available checking balance is $100, so he withdraws $50. He doesn’t realize his wife made a MasterCard® Debit Card signature purchase for $75 from their joint account earlier in the day. The resulting balance in their account would be negative when the debit transaction arrives for processing, so their overdraft protection is triggered to transfer $25.

    However, if FORUM had placed a Debit Card preauthorization hold for his wife’s $75 transaction, John would have known that he really only had $25 available to him and could have avoided the NSF situation by withdrawing less money.

  5. Is FORUM Credit Union implementing MasterCard® Debit Card preauthorization holds to generate more overdraft fees?

    No. In fact, we believe this feature provides the information needed to help members avoid overdraft situations and thereby avoid Overdraft Privilege or NSF fees.

    The advantage of preauthorization holds is that you can check your balance and get a more accurate picture of what is truly available to you before you spend. Note: Overdraft Privilege situations may still occur depending on your opt-in status for ATM and everyday debit card transactions. Please contact the credit union if you have questions about your Overdraft Privilege settings.

  6. How will I know if a MasterCard® Debit Card preauthorization hold has been placed?

    Your preauthorized debit transactions as well as check, deposit and other holds are displayed within CU Online. Within account history, your current balance, available balance and funds on hold appear at the top of the page. The Funds on Hold will have an associated hyperlink. Clicking the link will take you to a holds page displaying a breakdown of any existing holds on your account. You can also obtain your available balance through FORUM’s Tellerphone banking and at ATMs.

    In addition, you may sign up for an Account Balance Alert in CU Online to notify you via email of your account balances on a daily basis.

  7. Will the MasterCard® Debit Card preauthorization hold always equal the exact amount of my transaction?

    No. Some merchants such as gas stations, hotels, car/truck rental agencies and restaurants, may preauthorize an amount that is higher or lower than the actual purchase amount.
    For example:

    Gas stations: Most automated gas pumps preauthorize transactions for amounts ranging from $1 for “Credit” transactions to $75 or $100 for “Debit (PIN)” transactions because they do not know how much gas you will pump in advance of your transaction. If you select “Debit” at the pump and they preauthorize $75, we will validate funds in this amount are available and place a hold for $75. At the completion of your purchase, the amount of the actual transaction will post immediately and release the $75 hold. The downside to this type of transaction is that you may not have $75 available in your account at the time. You may have $50 with the intention of purchasing $20 in gas, however due to the “Debit” process used by automated gas pumps; your transaction would be declined. By contrast, if you select “Credit” at the pump, the merchant typically sends through a preauthorization in the amount of $1. This authorization is simply to ensure the card is valid. When the settlement posts in one or two days, it will clear your account for the amount purchased and release the $1 hold.

    Hotels and rental car/truck companies may obtain multiple preauthorizations on your card for a single transaction resulting in varied holds against the available balance in your account.
    Example:

    Hotels: When using a MasterCard® Debit Card to make reservations in advance, hotels will generally preauthorize an amount equal to an overnight stay, or more, depending on the length of your stay. This will result in a hold on your account up to 72 hours affecting the available balance in your account. Then, when you actually arrive, the hotel may obtain a new preauthorization. The amount can be unpredictable and is often larger than the cost of your stay to cover possible incidental expenses such as room service charges, etc.

    Because these can result in significant holds against your checking account, we recommend always using a credit card rather than your MasterCard® Debit Card for hotel and car/truck rental transactions. Another option would be to use a credit card for the initial reservation, then use your debit card when you check out or complete the transaction.

  8. When I make a purchase online or by phone using my MasterCard® Debit Card, is it processed as a credit or debit transaction?

    Online and telephone MasterCard® Debit Card transactions are processed as credit transactions because you do not have the option to enter your PIN. These types of purchases will create a preauthorization hold.

  9. If you place a hold on my account and then the transaction comes in, is there a chance you’ll subtract it again?

    When merchants preauthorize an amount that is different from the final transaction total, it’s possible that the hold will not release. However, we’ve found that most holds match off to the final transaction regardless of whether the preauthorized and settlement amounts match. In the event a hold is not matched off, it will automatically be released 72 hours from the time it was placed.

  10. Do all MasterCard® Debit Card transactions clear within 72 hours?

    No. Some merchants will not process their settlements in time to reach us within the 72-hour time frame of the hold. In that case, the hold will expire and drop off automatically. Those funds will become available again; however, the transaction still has to clear your account. Please ensure sufficient funds are available in your account to cover your outstanding debit card transactions. Unfortunately, we have no control over how quickly merchants process their transactions.

  11. Why did my account get charged an overdraft fee when my balance wasn’t negative?

    Preauthorization holds affect the availability of funds to cover checks drawn on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balance, not the available balance. Fees are charged when funds are not available in the account when transactions post. If there are not adequate available funds to pay a transaction, applicable Overdraft or NSF fees will occur.

    It remains very important to keep records of all payments you’ve authorized from your account. Preauthorization holds will help track your debit card purchases and reserve the funds before they post to your account. However, we have no record of outstanding checks or ACH transactions you’ve authorized.

    Also, depending on your Overdraft Privilege settings, your Debit card purchases may have been authorized based on available Overdraft Privilege funds. If this is the case, you will be charged our standard overdraft fees when that transaction posts to your account. Please contact the credit union if you have questions about your Overdraft Privilege settings.

  12. Can I set up overdraft transfer protection to help avoid fees?

    It is always a good idea to have overdraft transfer protection set up on your account. Overdraft transfer protection helps you avoid larger Overdraft Privilege fees by using your Savings Account or Line of Credit loan to automatically cover the insufficient funds.

    When you open a FORUM Credit Union checking account, your Savings account is automatically established as the primary overdraft account, but you may also use a Line of Credit loan as well. Please contact us via online chat for more details.

  13. Can MasterCard® Debit Card preauthorization holds on my debit card be removed?

    It is not our policy to remove MasterCard® Debit Card preauthorization holds unless an error was made. If an erroneous hold was placed, or there are extenuating circumstances, please contact us.

To set up customizable account alerts, click the "Welcome" link in the top-right portion of CU Online and choose the "Alerts" link.

The System Alerts are automatically sent to all CU Online users. You can choose the method of notification that you would like FORUM to use. Your email address and mobile phone number are listed, please make sure they are accurate. To change them, use the "Welcome" link again and choose "Settings".

Custom Alerts are listed below. Click "Add" to set up a new alert. You can select the alert type from a range of options, choose the account or accounts it will apply to, the frequency, start date, and method of notification.

  1. What is online Bill Payment?

    Bill Pay Plus is the easiest and most convenient way to pay bills online. You control the amount and scheduling of the payments 24 hours per day and 7 days per week via CU Online.

  2. What are the features of Bill Pay Plus?

    Click here to view a summary of the Bill Pay functionality.

  3. What are the monthly fees for Bill Pay?

    Bill Pay Plus is free of charge.

  4. Who is iPay?

    iPay Technologies, LLC is a 3rd party company that provides Bill Payment services on behalf of FORUM Credit Union members who enroll for and utilize the Bill Payment program.

    The Bill Pay system operates independently from CU Online. Once you are logged into Bill Pay, there are help screens and Live Chat available to you.

    All questions about payments made through this bill payment service should be directed to iPay Customer Service (hours 7:30 AM - 11:00 PM Eastern time Monday though Friday) at 1.866.313.4784 or email subscriberservices@billpaysite.com

Dashboard

Table of Contents

The new CU Online Dashboard is an easy way to manage your budget any way you would like! Any of your accounts that are designated as part of your "cash flow" are included. The cash flow accounts are shown with a green dollar sign in your account list, and you can add or remove them from the cash flow at any time.

The dashboard overview breaks down your spending into categories of your choice. Just click "Configure Budget" to customize both the categories and dollar amounts to fit your needs. You can also change the timeframe that you see, and view spending reports from your account history.

Your account balances and links to other helpful pages within CU Online are shown on the right side of the screen.

If you do not want to use the Dashboard feature, go to the "My Accounts" page, and save it in your browser as a "Favorite". After that, CU Online will automatically go to the "My Accounts" page after your login, instead of the Dashboard.

Credit Score Disclosure

Table of Contents

FICO is a Risk Scoring Model applied by Equifax, developed by Fair Isaac & Companies. FICO is a delinquency prediction model computed using credit information in Equifax's automated consumer reporting system. FORUM has obtained this information and is providing it to you as a courtesy. Please contact Equifax directly with questions regarding your score or visit www.myfico.com for more information.

Credit scores are displayed after a new account is opened or when there is a current consumer loan on record. They are displayed for the primary member only.

Credit scores are updated quarterly for eligible accounts.

Image Quality

Table of Contents

Mobile Deposit Help

Image Quality

Mobile Deposit uses a custom camera interface to capture the front and back check images for the purpose of depositing a check into your account. To ensure the successful processing of your deposit, it is essential that you take usable pictures.

How to take a usable picture:

  • Lighting Conditions: Bright but indirect light is best. Placing the check too close to lighting sources may cause shadows.
  • Background Surface: Any surface of a solid color that contrasts with the check is best. Use a dark-color surface for light checks; a light-color surface for dark checks.
  • Document Zooming: Make sure that the bottom of the check is aligned with the base guideline on the camera display window. Use the edge detection brackets that appear around the four corners of the check to be sure the entire check is in alignment before taking the picture.
  • Image Size: Use the green guidelines to properly zoom and scale. Make sure the entire check appears in the guidelines and fills the guidelines as much as possible.

What is considered a usable check submission?

  • Front and Back Images. The front and back images are taken and are in the proper sequence.
  • Proper Zooming. The front and back images show the entire check. There should be nothing else in the images.
  • Proper Lighting. The front check image must show the payee name, dollar amount, date, signature and MICR details (numbers that appear along the bottom of the check) as clearly visible and legible. The back check image must have an endorsement (signature) that is clearly visible. If some or all of these fields are not clearly visible, you may need to adjust your lighting and then retake the picture(s).

Mobile Deposit Help

Check Capture Tips

When capturing the image:

  • Place the check on a well-lit surface free of any clutter. The background surface should contrast with the check color.
  • Align the check within the green guidelines. Make sure that the entire check is within the guidelines and nothing else appears in the image. Colored brackets will outline each of the four check edges to let you know if the check is properly aligned.

After capturing the image:

The image will be automatically cropped and converted to black and white. Please ensure the following before proceeding:

  • The image displayed shows the entire check and nothing else.
  • The payee name, dollar amount, date, payor's signature, MICR details (the numbers that appear along the bottom of the check) and all other details are clearly visible and legible on the front check image.
  • The endorsement (signature) is clearly visible on the back check image.

More Information:

For more information on taking usable images, see Image Quality.

Troubleshooting

Table of Contents

Mobile Deposit Help

Troubleshooting

If you receive an error while capturing the image or when submitting, see the following information.

You may replace the image(s) that are generating the error message by doing the following:

  • Tap the camera icon to engage the camera and retake the picture

Image Errors

The following errors apply to the front or back check image:

  • Folded Corners. The check has one or more corners folded. Fix the folded corners on the check and re-capture.
  • Excess Skew. The check image is not properly aligned. Re-capture the image making sure to line up the guidelines correctly.
  • Image Too Dark. The check image is too dark to allow proper reading. Increase the lighting and re-capture the image.
  • Image Too Light. The check image is too light to allow proper reading. Decrease the lighting and re-capture the image.
  • Below Minimum Size. The check may have been too far from the camera. Re-capture the image making sure to line up the guidelines correctly.
  • Above Maximum Size. The check may have been too close to the camera. Re-capture the image making sure to line up the guidelines correctly.
  • Image Too Small. The check may have been too far from the camera. Re-capture the image making sure to line up the guidelines correctly.
  • Image Too Large. The check may have been too close to the camera. Re-capture the image making sure to line up the guidelines correctly.
  • Excess Spot Noise. The image contains extraneous pixels that affect readability. Adjust the brightness setting and re-capture the image.
  • Cropping Error. The check image appears to have not been properly cropped. Re-capture the image making sure to line up the guidelines correctly.

Image Warnings

For the following warnings, some piece of information is missing or could not be read. If the information is present and clearly readable, you may safely ignore these warnings. If the information is missing, contact us at 317.558.6299 for information on how to proceed.

  • MICR Numbers Cannot Be Read. The machine printed numbers along the bottom of the check could not be read with Optical Character Recognition.
  • Date Missing. The check date could not be located on the image.
  • Signature Missing. The payor signature could not be located on the image.
  • Payee Name Missing. The name of the check recipient could not be located on the image.
  • Payor Name Missing. The name of the check writer could not be located on the image.

The following error applies to the back check image:

  • Back Image Not in Scale. The size of the back image is not correct compared to the front image. Re-capture the image making sure to line up the guidelines correctly.

Wrong Deposit Amount

When the front image is taken, the application attempts to match the amount you entered to the amount on the check. If the amounts do not match, a popup window will display advising of the amount that was detected. You may opt to change the amount entered by clicking Yes or No.

If at any time before submitting the deposit you need to change the amount entered, return to Step 1 and re-enter the amount. You do not need to retake the front and back images of the check.

Poor Image Quality

If you think that either image should be fixed, re-capture the front and/or back image(s). You do not need to re-capture both images if there is a problem with only one of them.

Please read more about Image Quality to learn how to take usable photos of your checks.

Viewing Deposits Held for Review:

  • Tap the Pending button at the top of the initial Mobile Deposit screen. A list of deposits that have been submitted but are pending review by FORUM will be displayed.
  • To see details of deposits held for review, tap the deposit from the Pending tab. To view the check image, click the check icon on the Mobile Deposit Details page.
  • To delete deposits held for review, tap the deposit from the Pending tab. On the Mobile Deposit Details page, tap the trash icon.

Contact Us

If you have any questions or concerns, call us at 317.558.6299 or email us at forum@forumcu.com.

Image Quality

Table of Contents

Mobile Deposit Help

Image Quality

Mobile Deposit uses a custom camera interface to capture the front and back check images for the purpose of depositing a check into your account. To ensure the successful processing of your deposit, it is essential that you take usable pictures.

How to take a usable picture:

  • Lighting Conditions: Bright but indirect light is best. Placing the check too close to lighting sources may cause shadows.
  • Background Surface: Any surface of a solid color that contrasts with the check is best. Use a dark-color surface for light checks; a light-color surface for dark checks.
  • Document Zooming: Make sure that the bottom of the check is aligned with the base guideline on the camera display window. Use the edge detection brackets that appear around the four corners of the check to be sure the entire check is in alignment before taking the picture.
  • Image Size: Use the green guidelines to properly zoom and scale. Make sure the entire check appears in the guidelines and fills the guidelines as much as possible.

What is considered a usable check submission?

  • Front and Back Images. The front and back images are taken and are in the proper sequence.
  • Proper Zooming. The front and back images show the entire check. There should be nothing else in the images.
  • Proper Lighting. The front check image must show the payee name, dollar amount, date, signature and MICR details (numbers that appear along the bottom of the check) as clearly visible and legible. The back check image must have an endorsement (signature) that is clearly visible. If some or all of these fields are not clearly visible, you may need to adjust your lighting and then retake the picture(s).

Mobile DeposZip Online Help

Step 1: Enter the amount of the check

  1. Tap the Amount field to show the keyboard.
  2. Enter the amount of the check (dollars and cents).

When done, continue the deposit process by capturing the front and back images of the check (required) and submitting the deposit.

Mobile DeposZip Online Help

Step 2: Capture Front Check Image

  1. Place the check with the front facing up on a well-lit surface, free of any clutter. The color of the background should contrast that of the check and should be a solid color.
  2. Tap the Take Photo button to activate the camera.
  3. Align the check within the green guidelines. Make sure that the entire check is within the guidelines and nothing else appears in the image. Colored brackets will outline each of the four check edges to let you know if the check is properly aligned.
  4. Take the picture. The image will be automatically cropped to the guidelines and converted to black and white.
  5. Make sure all the information on the check is present and clearly readable in the image.

When done, capture an image of the back of the check (required).

TIPS! For tips on getting a good image, see Check Capture Tips.

ERROR? If you receive an image error, see Troubleshooting.

Mobile DeposZip Online Help

Step 3: Endorse & Capture Back Check Image

  1. Flip the check over so that the back is facing up on a well-lit surface, free of any clutter. The color of the background should contrast that of the check and should be a solid color.
  2. Make sure that the check has been properly endorsed.
  3. Tap the Take Photo button to activate the camera.
  4. Align the check within the green guidelines. Make sure the entire check is within the guidelines and nothing else appears in the image. Colored brackets will outline each of the four check edges to let you know if the check is properly aligned.
  5. Take the picture. The image will be automatically cropped to the guidelines and converted to black and white.
  6. Make sure all the information on the check is present and clearly readable in the image.

When done, verify your deposit details.

TIPS! For tips on getting a good image, see Check Capture Tips.

ERROR? If you receive an image error, see Troubleshooting.

Mobile DeposZip Online Help

Step 4: Verify Details and Submit Deposit


Review the deposit amount and front/back check images to be sure that everything has been captured properly. Tap the Confirm button to send the deposit to FORUM.

The Confirm button will not activate if you are attempting to deposit a check that has an Image Error associated with it.

Image Errors: If you receive any error messages, see Troubleshooting.

Retaking the Images: Touch the Take Photo button and simply capture a new image.

Viewing Deposits Held for Review:

  • Tap the View Pending button at the bottom of the initial DeposZip screen. A list of deposits that have been submitted but are pending review by FORUM will be displayed.
  • To view a copy of a check(s) that is currently held for review, tap the Confirmation # you wish to view (Note: you can tap anywhere on the line for the respective Confirmation # you wish to view). The check image(s) and details will be displayed. To exit and go back to the View Pending page, touch the back to account button. This will close the detail page and direct you back to the View Pending page.
  • To delete deposits listed on the View Pending page, you must log into the desktop version of CU Online/DeposZip and review Deposit History. Pending deposits cannot be deleted from the mobile app.

Mobile Deposit Help

Check Capture Tips

When capturing the image:

  • Place the check on a well-lit surface free of any clutter. The background surface should contrast with the check color.
  • Align the check within the green guidelines. Make sure that the entire check is within the guidelines and nothing else appears in the image. Colored brackets will outline each of the four check edges to let you know if the check is properly aligned.

After capturing the image:

The image will be automatically cropped and converted to black and white. Please ensure the following before proceeding:

  • The image displayed shows the entire check and nothing else.
  • The payee name, dollar amount, date, payor's signature, MICR details (the numbers that appear along the bottom of the check) and all other details are clearly visible and legible on the front check image.
  • The endorsement (signature) is clearly visible on the back check image.

More Information:

For more information on taking usable images, see Image Quality.

Troubleshooting

Table of Contents

Mobile Deposit Help

Troubleshooting

If you receive an error while capturing the image or when submitting, see the following information.

You may replace the image(s) that are generating the error message by doing the following:

  • Select the Take Photo button to engage the camera and retake the picture

Image Errors

The following errors apply to the front or back check image:

  • Folded Corners. The check has one or more corners folded. Fix the folded corners on the check and re-capture.
  • Excess Skew. The check image is not properly aligned. Re-capture the image making sure to line up the guidelines correctly.
  • Image Too Dark. The check image is too dark to allow proper reading. Increase the lighting and re-capture the image.
  • Image Too Light. The check image is too light to allow proper reading. Decrease the lighting and re-capture the image.
  • Below Minimum Size. The check may have been too far from the camera. Re-capture the image making sure to line up the guidelines correctly.
  • Above Maximum Size. The check may have been too close to the camera. Re-capture the image making sure to line up the guidelines correctly.
  • Image Too Small. The check may have been too far from the camera. Re-capture the image making sure to line up the guidelines correctly.
  • Image Too Large. The check may have been too close to the camera. Re-capture the image making sure to line up the guidelines correctly.
  • Excess Spot Noise. The image contains extraneous pixels that affect readability. Adjust the brightness setting and re-capture the image.
  • Cropping Error. The check image appears to have not been properly cropped. Re-capture the image making sure to line up the guidelines correctly.

Image Warnings

For the following warnings, some piece of information is missing or could not be read. If the information is present and clearly readable, you may safely ignore these warnings. If the information is missing, contact us at 317.558.6299 for information on how to proceed.

  • MICR Numbers Cannot Be Read. The machine printed numbers along the bottom of the check could not be read with Optical Character Recognition.
  • Date Missing. The check date could not be located on the image.
  • Signature Missing. The payor signature could not be located on the image.
  • Payee Name Missing. The name of the check recipient could not be located on the image.
  • Payor Name Missing. The name of the check writer could not be located on the image.

The following error applies to the back check image:

  • Back Image Not in Scale. The size of the back image is not correct compared to the front image. Re-capture the image making sure to line up the guidelines correctly.

Wrong Deposit Amount

When the front image is taken, the application attempts to match the amount you entered to the amount on the check. If the amounts do not match, a popup window will display advising of the amount that was detected. The amount field is automatically changed and you are advised to update the amount in step 1 if it is incorrect.

If at any time before submitting the deposit you need to change the amount entered, return to Step 1 and re-enter the amount. You do not need to retake the front and back images of the check.

Poor Image Quality

If you think that either image should be fixed, re-capture the front and/or back image(s). You do not need to re-capture both images if there is a problem with only one of them.

Please read more about Image Quality to learn how to take usable photos of your checks.

Viewing Deposits Held for Review:

  • Tap the View Pending button at the bottom of the initial Mobile Deposit screen. A list of deposits that have been submitted but are pending review by FORUM will be displayed.
  • To view a copy of a check(s) that is currently held for review, tap the Confirmation # you wish to view (Note: you can tap anywhere on the line for the respective Confirmation # you wish to view). The check image(s) and details will be displayed. To exit and go back to the View Pending page, touch the back to account button. This will close the detail page and direct you back to the View Pending page.
  • To delete deposits listed on the View Pending page, you must log into the desktop version of CU Online/DeposZip and review Deposit History. Pending deposits cannot be deleted from the mobile app.

Contact Us

If you have any questions or concerns, call us at 317.558.6299 or email us at forum@forumcu.com.

Resources

Table of Contents

The Resources page is located under the "Welcome" link in the top-right corner of CU Online. A number of useful links can be found here, including:

  • Loan applications
  • Check ordering
  • ATM/Branch location guide
  • Browser Recommendations
  • Surveys
  • FORUM-related Social Media (Facebook, Twitter, YouTube, etc.)
  • Disclosures

The Settings menu is located under the "Welcome" link in the top-right corner of CU Online. You can enter an updated address or phone number, change your CU Online password, or manage your alerts, all from the same screen!

Overdraft Opt In

Table of Contents

In the past, FORUM automatically enrolled eligible members in our Overdraft Privilege program for all types of transactions. We believe this service is important to save you from the embarrassment of a declined card while also allowing you to purchase the products or services you need. However, the rules have changed. Beginning July 1, 2010 for new accounts and August 15, 2010 for existing accounts, federal regulations require us to obtain your permission to apply these services on authorizations for day-to-day debit card and ATM transactions that would trigger an overdraft – even if we have done so for you previously. Below are answers to frequently asked questions.

  1. What is Overdraft Privilege as it pertains to Debit/ATM transactions?

    An overdraft occurs when you make a purchase or ATM transaction but you don’t have enough money in your account to cover it. With Overdraft Privilege, we may allow debit card and ATM authorizations to be approved – at our discretion – even if there isn’t enough money in your account at the time of purchase. Each time you overdraw your account, and we cover your withdrawal, we charge our customary overdraft fees.

  2. What are the benefits of Overdraft Privilege?
    • Convenience – May allow your debit card purchases to be approved when you have insufficient funds.
    • Flexibility – May allow you to make a purchase or withdrawal cash even if you can’t make a deposit or transfer money until later.
    • Safety Net – May cover you if you have an unexpected expense.
    • Emergency Backup – May allow you to use your debit card in an emergency – even if you don’t have the funds in your account.
    • Peace of Mind – If you don’t use it, there is no cost to you.
  3. How do the regulatory changes to Overdraft Privilege impact me?

    Regulatory changes require you to opt-in to the program in order to be covered, even if you have been covered in the past.

  4. Why should I opt-in?

    While good record keeping is a habit we encourage, mistakes happen to everyone - a checkbook error, an unrecorded transaction, and so on. Overdraft protection could spare you the embarrassment and inconvenience of a declined transaction. You should consider your own financial habits and think through the implications of a denied transaction before deciding whether to opt-in. There is no fee to have Overdraft Privilege on your account - you’ll just pay for the coverage if you use it. Whatever your decision, the new overdraft rules give you flexibility. If you opt-in, you can cancel at anytime. If you do not opt-in, you can do so later.

  5. What does it mean if I “opt-in” to Overdraft Privilege?
    • You DO want us to try to cover your ATM and day-to-day debit transactions regardless of your account balance.
    • You are willing to incur the fees for this service. You’ll only incur the fees if we actually cover the overdraft for you. There’s no fee to opt-in to the protection.
    • If we cover your overdraft, you will be saved the frustration and embarrassment of having your card declined especially in an emergency.
  6. What will happen if I don’t “opt-in” to Overdraft Privilege?
    • Existing Accounts: If you do not opt-in, beginning August 15, 2010, FORUM’s Overdraft Privilege services won’t apply to your day-to-day debit card and ATM transactions. While you will not be charged overdraft fees, those transactions will typically be declined when you don’t have enough money in your account to cover the transaction.
    • New Accounts: If you open a new account on or after July 1, 2010, FORUM cannot apply Overdraft Privilege services for day-to-day debit card and ATM transactions unless you opt-in. These transactions typically will be declined when you don’t have enough money in your account. If you open a new account before July 1, 2010, FORUM will treat you as an existing account holder: you will receive the notice about FORUM’s overdraft services and will have to decide if you want them for day-to-day debit card and ATM transactions.
  7. What other options besides Overdraft Privilege do I have?
    • Overdraft Transfer: FORUM offers you the ability to link a savings account or line of credit to your checking account to cover transactions when you overdraw your account. Our standard overdraft transfer fees will apply.
      • To obtain a line of credit, you are required to complete an application and approval is based on your credit worthiness.
  8. What is the impact on Checks and ACH transactions such as automated Bill Payments?

    The new rules do not cover Overdraft Privilege for checks or automatic payments that you may have set up for paying bills such as your mortgage, rent, or utilities. FORUM may still automatically enroll you in our Overdraft Privilege services for these types of transactions. If you do not want us to enroll you in Overdraft Privilege in these instances, you can let us know at any time. Please understand; however, that any future NSF items presented for payment against your account may be returned unpaid to the merchant/payee. The NSF fee for these transactions is the same as the Overdraft Privilege fee. In addition, you may be charged further fees by the merchant/payee for the returned item.

  9. What do I need to do?

    Change your Overdraft Coverage Option to Opt-In in the Account Settings section of your User Profile in CU Online.


We encourage you to visit www.forumcu.com for answers to more questions regarding Overdraft Privilege. Please contact us online www.forumcu.com, in branch, or by phone at 317.558.6299 or 800.382.5414 if you have any questions or for instructions on how to opt-in.