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Q: When I click the Online Banking link
nothing happens, but I am able to click on other portions of the
website. Why?
Our Online Banking links are set to open in a new window separate
from the window that you are viewing our main page from. If
you are running a program that blocks pop-up windows, it may be
closing the window that opens up to display Online Banking.
You can either configure your pop-up blocker to allow pop-ups from
our web site, or you can access our Online Banking web site directly
at:
https://
OHCUOHTN.secure.fundsxpress.com/piles/fxweb.pile/login?iid=OHCUOHTN
Once you get our Online Banking page to come up, you may want to
add it to your Favorites (or Bookmarks) so you'll have easy access
to it for the next visit.
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Q: I get a 'The page cannot be displayed'
message when I click on the Online Banking link. Or I get as far as
the login page for Online Banking, but I get an 'encryption' error
when I try to log in. How can I solve this problem?
If you click the Online Banking link and a new browser window
opens up but displays the message 'The page cannot be displayed',
you may need to update your browser encryption. Follow the
instructions below relevant to your web browser.
If you are getting an 'encryption' error message when you attempt
to log into Home Banking, then you need to update your web browser
with a high encryption update. Some users may have been able
to log into Online Banking in the past with 40-bit encryption, but
this is no longer the case. Online Banking now requires
128-bit encryption which has become an Internet standard.
Upgrading to 128-bit encryption is free, and for most users will
only require a small download.
For Internet Explorer users:
You will need to know what version of Internet Explorer and what
version of Windows you are currently running to download the
appropriate update. To find the version of Internet Explorer,
open Internet Explorer and click 'Help'->'About Internet
Explorer'. To find the version of Windows, click the 'Start'
button and read the text that runs vertically up the Start
Menu. Follow the appropriate link below and download the
appropriate update. Note: High encryption is already included
in the latest versions of the Internet Explorer browser (6.x).
All
versions of Windows (except Windows 2000) click here:
Windows
2000 users click here:
If your computer has 128-bit encryption (open Internet Explorer and
click 'Help'->'About Internet Explorer') and you still have
encryption errors, check to see if SSL 2 or 3 is disabled (not
likely as this should enable by default). In Internet
Explorer:
1) Click on "Tools"
2) Select menu item "Internet Options"
3) Click on the "Advanced" tab
4) Scroll down to the "Security" section
5) Make sure SSL 2.0 and 2.3 are checked
For Netscape users:
Netscape browsers that are lower than version 6 do not have a
128-bit encryption-only upgrade. You must perform a full upgrade to
the latest version of Netscape and specifically request 128-bit
Strong Encryption. Download the latest version of Netscape
from: http://home.netscape.com/download/
.
For Netscape 6 and higher you can download the SmartUpdate Plugin
which will allow you to update the browser to 128 bit without
installing a whole new browser. Go here for more information:
http://cgi.netscape.com/cgi-bin/su/intro.cgi
Q: Why do I receive a 'Security Alert'
message about security certificates when accessing the Online
Banking page?
A security certificate (or digital certificate) is the electronic
equivalent of passport -- it verifies that a web server is who it
claims to be. Security certificates are issued by an entity
known as a certificate authority. The certificate authority's role
is to act as a trusted clearinghouse that can verify the
authenticity of a certificate. When an Internet user attempts
to send confidential information to a web server, the user's browser
will access the server's security certificate, verify it with the
certificate authority, then use it to establish a secure connection.
· Why
does the Security Alert box pop up each time I try to access Home
Banking?
The security certificate was created to communicate authenticity
of security to your web browser. Once you install the certificate as
a Trusted Certificate Authority this message is no longer displayed.
· Why
does the Security Alert say, "not trusted"?
By default the browser assumes nothing can be trusted. It is up
to the user to accept the security provided by the certificate
authority.
· How
do I install the certificate as a Trusted Certificate Authority?
You can install the certificate in your local certificate store,
which tells Internet Explorer that you now trust the company that
issued the certificate. Here are the steps necessary to install the
certificate to your local certificate store:
1. Click "View Certificate"
2. Click "Install Certificate..."
3. Click Next.
4. Click Next.
5. Click Finish.
6. Click OK to close the Certificate Import Wizard window. Then
click Yes to close the Security Alert window.
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Q: What kinds of things can I do in Online
Banking?
You can:
· See
account balances
· See
transaction history
· Download
transaction history into your home computer
· View
and/or print a copy of your most recent statement
· Make
transfers within your account, or to other accounts is access is
allowed
· Pay
bills online (there is a charge for bill pay)
· See
history of bills paid online
· View
and/or print free copies of cleared drafts
· Purchase
savings bonds
· Request
a stop payment on a draft
· Submit a
change of address
· Add or
delete access to different shares or loans in your account
· Request
copies of documents
· Connect
to the link to reorder share drafts online
· Send a
secure email to OHCU
· Add
nicknames to your shares and loans (only viewable in Online Banking)
· Update
your email address in Online Banking
· Manage
your Home Banking account in what screen opens first, list sorting
and color scheme
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Q: How does the Online Banking transaction
information work for my account?
Our Online Banking is a mixture of batch files and real time
information. Each night, we compile a file of your
transactions for the day, and provide them in a place to be stored
for your future reference. Your inquiries for history transactions
reference this file of information. The batch files are
loaded in the morning (mid business day morning), so if you access
your account during this time, the update could be in mid-process,
and you may see some different things than if you look at your
account later in the day.
Then when you want the most recent information on your account,
you click on Update History, and you then see what transactions have
been added to your account since the last batch file
update. This is the real time portion of the
history. If you need to know more about a particular
transaction on that day, please call us and we’ll help you with
it.
If you have asked for an update of real time information, then
the next day when the batch files are loaded, the system has to
remove the real time, information that you got, and replace it with
the information from the batch files. If you happen to
access your account during that time, it may look
confusing. Just try again later, and it should look
better. If it doesn’t look better by afternoon, just
give us a call.
Q: What is the difference between the Xpress
balance column, and the ledger balance column in the transaction
history?
The Xpress balance column is a calculated balance. This
is not necessarily the running balance that our core system shows
for your account. This might mean that the Xpress balance
makes it look like your account is negative. Before you
worry unnecessarily, please call us to check on this.
This problem only happens in the real time portion.
The ledger balance is the balance the credit union reports on
your account once a day. If you want the most up to date
balance we have, click on the Update Balance button, and if our
system is up, as it is 99% of the time, you will get the real time
balance
Q: What does it mean when there is a “balance
adjustment” under the Balance Detail on my account?
There could be a couple of reasons for these adjustments:
· These
are usually debit card purchases that have been authorized to come
from your account, but that have not posted to your account yet.
This is where your debit card was used by signing your name instead
of keying in your pin number (used as credit instead of debit).
· They
could also be funds being held from personal check deposits. A
balance adjustment is usually money that is on hold for some
reason.
Right now, Online Banking cannot give you the details of what
those holds are, but if you call our service center at 615-847-4043
x 7166, we can try to help you with that. If you look at
your recent debit card purchase receipts, or teller receipts if you’ve
recently made a personal check deposit, you may be able to recognize
the amounts that are still holding.
Q: Can I transfer money to someone else’s
account in Online Banking?
Yes in certain circumstances:
· If you
are joint owner on the person’s account you wish to transfer to,
we can set up their account under your Online Banking
log-in. We can restrict your privilege to be able to
transfer to only, not view or withdraw from, or you can have full
privileges on the account, as you both agree.
· If you
have bill pay, you can create a payment to anyone. It
will take 3-7 days for that payment to be received by the other
person.
Q: How can I view my account and my spouse’s
account under the same Online Banking log in?
We have a special form to complete to allow multiple accounts
under the same log in. You must be joint owners of each
other’s accounts, and each of you must sign the request; otherwise
the multiple access will not be approved. Download this
form here
; complete it and mail back or bring to nearest
branch. It may take a couple of business days to set up
the access.
Q: How can I get a copy of one of my
cancelled share drafts?
Images of your share drafts that were processed by the Federal
Reserve are available to you free of charge through a link to
our share draft processor on the next business day after the
draft posts to your account.
The first day that it is posted to your account, the transaction
is shown in Online Banking, but on the next business day after
posting, the transaction becomes a link to the check
image. You will not be able to view the image until the
processor has all the images loaded for the day. The
processor says images are available for about 45 days after the
clearing date, although they are sometimes available longer than
that. If you need an image of a check, and you can’t
retrieve it through Home Banking, we can retrieve it for you for a
charge. See our most current fee schedule for the price, but in
October 2004 the price was $4 per item.
If you think you might need a copy of a draft at some point, you
may want to print the image or save a copy of the image to a file,
while it is available during the 45 days free time.
Examples of drafts you might want to keep copies of are tax
payments, loan payoffs, child support payments, collection item
payments, etc. You can print or save copies of ALL your
images if you want to – it’s all free while they are available.
Most all of your drafts should be available to you through Online
Banking, except in the following circumstances: if the
draft was cashed at an Old Hickory Credit Union branch, or if the
draft was presented by the merchant as an ACH item, or some other
unusual circumstance such as mutilation of the item.
Q: How can I get a copy of my statement?
Your monthly or quarterly credit union statement is available to
you in Online Banking. Look at the Account Summary
screen, and in the section where your saving account is shown, there
is a link that says Statement. This is your entire
statement that you receive by mail from us, not just your savings
statement. Eventually we will store up to 2 years’
worth of statements available to you. Retrieval of your
statement through Online Banking is free to you.
Q: Why can’t I view all of my accounts in
Online Banking?
Our Home Banking system is a separate system from our core
system, which is where your account is really stored and
managed. All of your accounts have to be set up in the
Online Banking system in order for you to view them.
Sometimes, when you have added new accounts, like a new savings
account or a new loan, we don’t always go into Online Banking and
give you access for the new account. Not all of our
members use Online Banking, so we don’t add access to every new
service we give you. All you have to do is ask, either
at the time the new service is added, or later when you think of it,
and we’ll give you access to whatever you need or want to
see. You can call us, ask us when you’re in a branch,
or request the new service through the User Services menu in Online
Banking, under Manage Account, then Add/View Account
Services. Once we add the service in Online Banking, you
will only be able to see activity from that point
forward. Prior activity is not able to be shown, except
in your statement.
Q: When I look at my loan account in Online
Banking, it shows 3 amounts in the payment column. What
does that mean?
The largest amount is the amount of your full
payment. The other two amounts should add up to be the
same as the largest amount. One is the principal
payment, and one is the interest payment. Only the
principal payment affects the balance shown in the ledger balance
column.
Q: I tried to pay off my loan using Online
Banking, but it didn’t get completely paid off. What
happened?
Home banking cannot tell you how much the payoff should be. Since
our loans are simple interest, the payoff amount changes every
day. The balance shown in Online Banking is for
principal only. If you want to completely pay off your
loan, call us during regular business hours for the
payoff. We can go ahead and transfer that payment for
you if you wish.
Q: Can I make my mortgage payment through
Online Banking?
Yes, if….
a. We have kept your mortgage in house and not sold the
loan – if the mortgage loan appears on your statement, then we
have it
b. You make a full payment.
c. If you want to make principal only payments in Online
Banking, you must be paid ahead at least one month
Q: Why don’t my paid off loans or closed
shares drop off of Online Banking? I don’t want to see
those any more
.
Our Online Banking system is a separate system from our core
system, which is where your account is really stored and
managed. We have to maintain it separately, and when you
close shares or pay off loans, we don’t really know if you want to
continue to see them or not. If you don’t want to view
them any more, we can delete them completely from your view forever
(just ask us), or you can go to User Services, Manage Account,
Remove Online Account. If you use this method, you are
actually just hiding it from your view. You could
restore the view yourself later if you want to by going back to User
Services, Manage Account, Add/View Account Services. If
you hide it from yourself, you can retrieve it, but if we delete it,
it’s gone for good and we can’t get it back.
Q: When is the computer system down for
nightly processing?
Right now we schedule our nightly processing for around 9:00 pm
so you might not get real time information or be able to make
transfers at that time. Also, we run our month end close
on the last business day of the month, and that time may vary,
although it will be sometime between 6:00 pm and 9:00
pm. Month end takes a little longer than end of day,
which usually takes less than one hour. So generally by
10:00 pm or 10:30 pm each night, we should be back online for both
Online Banking and Connect users. This is general
information, and could change depending on our circumstances.
Q: When I looked at my account on Saturday,
the system said the date was next Monday’s date. Why
is that?
Our system date is always a business day, so if you are looking
at your account on Saturday, we have already rolled our system date
to the next business day (usually Monday). You may post
a transaction like a transfer on Saturday, but in our system it will
have an effective date of Monday. If you post a transfer
transaction on Saturday, it does affect your account real time, so
it is immediately done, but the date says it was done on Monday.
Q: I would like to learn more about how to
use Online Banking. What’s the best way to learn?
· There
are yellow help buttons throughout Online Banking that give
information about everything that Online Banking does.
For example, there are tips on creating secure Passcodes, how to
reset your own Passcode, etc. The help menus are
sensitive to what section of Online Banking you are in – for
example, if you are in the transfer menu, the help buttons there
will give you help on transfers.
· You can
ask questions through the secure message system found in Online
Banking, and we will answer your question in Online Banking on the
next business day.
· You can
also call us at 615-847-4043 x 7166 or 800-998-4043 x 7166 from 7am
CST through 5pm CST, and we will help you.
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Q: How does bill pay work? What does it
cost?
Sections 4 and 14-17 of the Internet Banking Agreement &
Disclosure give full details of bill pay. Bill pay is free if you
pay 5 or more bills a month, but costs $4.95 per month if 4 or fewer
bills are paid. The first 60 days are free.
Once you request and are given access to bill pay, you set up any
vendors you want to pay by inputting the vendor name, mailing
address and account number. You can set each vendor up to be paid on
a recurring basis, occasionally, or once. You can pay a well known
vendor such as MasterCard, or you can have a check mailed to your
brother. Any payments except taxes and securities settlements can be
paid through bill pay.
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Q: Why does my bill pay item say that it is
unposted on my account today?
This shows that you have scheduled for the bill to be paid today,
so this is a tentative posting of that item. It will actually be
posted to your account tonight.
Q: What date should I enter in the “Payment
Date” field when paying a bill?
Payments can now be scheduled for the “due date” of the
payment and your funds will not leave your account until that day. Payment
Date is the date the payee is scheduled to receive the payment.
Q: How many days in advance must I schedule
a bill payment prior to the due date?
For most payees, payments must be scheduled 4 business days in
advance, as of 12:00 CST.
Q: Can I schedule a Bill Pay today to go out
today?
Generally, the system requires payments be scheduled at least 4
days before the payment (due) date. However, some
payments can be scheduled to be paid the next business
day. The dynamic payment calendar on the Pay Bills
module will advise you of the earliest available payment date for
the payee.
Q: What is the time frame I can make edits
to a scheduled Bill Payment?
You can edit the payment anytime prior to the 4 business days
(12:00 CST) cut off time.
Q: Does the new system send “Variable
Recurring Bill Payment” reminders?
Yes, you can set up bill payment reminders in the Bill Reminders
module. These reminders are sent to your email address,
rather than as in session alerts.
Q: Can I pay more than one
payment/payee/day?
Yes.
Q: Does the Bill Pay service offer a Late
Fee Guarantee?
Yes, our Bill Pay provider CheckFree guarantees your bill payment
and will pay up to $50 of the late fee, granted you scheduled the
payment correctly, within specified timeframes with correct payee
information.
Q: Does the system offer E-Bills/Electronic
Bill Presentment with email notification?
Yes, with those payees that offer the service.
Q: Can I type in a “memo” note on a
bill payment?
The “memo” field will only be available for payments issued
by check and will be presented to you on the bill payment
confirmation page when scheduling the payment. You
may also insert a memo and their account number by separating the
memo and account number with a “/”. For
example: Acct#1234/boat payment by editing Payee
information in the “Manage My Bills” section.
Q: Is the Bill Pay system a “Pay Anyone”
service?
Yes; however, payments to tax entities are restricted.
International payments are also restricted.
Q: If I did not print their Bill Pay
history, prior to the conversion, can my history be recovered?
Yes, past payment history can be located within the Internet
Banking account history, located under the “Accounts” tab and
then under the “History” tab.
Q: Can I have a (NSF) charge for an online
Bill Payment?
Since your account is not debited in advance of the payment being
issued to the payee, it is possible for the debit initiated for
payment settlement to incur an NSF fee if the account doesn’t have
sufficient funds and/or overdraft available to cover the payment
amount.
Q: Who is responsible for payment debiting
on my account?
CheckFree generates either an ACH debit or laser draft directly
to you designated bill pay account.
Q: What is the first screen presented to me
when I click on the “Payments” tab?
You will always be greeted with the Payment “hub”
page. This screen will present with a multiple payments
module, as well as display the pending payments, most recent
payments paid, as well as any bill reminders you have established.
It will also notify you of any new Bill Pay Messages.
Q: In the old system, I could schedule a
bill payment for today, why do I now have to wait 4 business days
before I can pay a bill?
In the new enhanced bill payment system, payments are actually
guaranteed to be received/delivered by/to the payee in a shorter
amount of time than our previous system. It is important
to understand that when a payment was scheduled in the old bill
payment system, your account was debited on the scheduled payment
date but the payment did not begin processing until the next
business day. Normally the payee did not receive the
payment until 5-7 days after the bill had been scheduled and your
account had been debited. In the new enhanced bill
payment system, the scheduled date represents the date that we
guarantee the payee will receive the payment and your account is
scheduled to be debited on the due date of the payment.
Therefore by using the new enhanced bill payment system, you retain
the use of your money four additional business days (12:00 CST) and
the payment arrives at least 1 day earlier than in our previous bill
payment system. This represents a win/win situation for you.
Q: Where can I find a list of my pending
payments?
Pending payments are displayed on the
Payment
Center
“hub” page. They are also displayed on the Bill
History screen. You can view Scheduled, Processing and Processed
payments under this screen. Additionally, you may select
the future date range that they would like to see by using the “Payment
History” search located at the bottom of the “Payment History”
screen.
Q: What additional features are now
available with the new enhanced bill payment product?
Online E-bills from many major billers that notify you via email
when the bill arrives, as opposed to receiving them in the
mail. The E-bill can be viewed online and printed as
needed. The E-bill can be automatically scheduled to pay
on the due date, by utilizing the Auto-Pay feature.
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Banking |
One useful feature of our Online Banking is the
ability to click on a link of your check number to see a scanned
image of your cleared check. This is a feature provided by the
company that processes checks for Old Hickory Credit Union. There
are instances where your check images might not show up and it could
be attributed to one or more of the following:
- The system we have in place for processing checks
- High usage of the server that hosts our check images could cause a
delayed or no response
- The PC that you are using may be blocking the redirect feature on
the web page that forwards you to the server hosting our check
images
1.) The system we have in place for processing checks:
a.) If you write a check that someone presents directly to an Old
Hickory Credit Union location, then the check does not get sent to
our check processor and would not have a scanned image in Online
Banking to retrieve.
b.) If the check does get processed by our check processor but gets
coded incorrectly and has to be manually posted to your account,
then the image may not be available. Processing checks is usually an
automated and electronic process, but occasionally something will
need to be corrected manually and in these rare instances you might
not be able to see your check image.
c.) If the check you wrote is presented electronically via ACH, then
you will not have a check image to retrieve. These would be
instances where you hand someone a check, they feed it through a
check reader and then hand it back to you. Once they read the
information from your check they can electronically debit the money
from your account without the need for the paper check. Retailers
like Wal-Mart and many medical offices may operate these types of
systems.
If for some reason your image is not displayed because of one of the
three above reasons, you’ll probably see a message that looks like
the following:
2.) High usage of the server that hosts our check images could
cause a delayed or no response:
Because our check images are hosted on a separate server, during
periods of peak usage there may be a delay of the check images
loading. In extreme cases, the check image might not load at all. If
this is the case, you would want to try accessing your check images
at a later time. If the server hosting check images is busy, the
page might load an outline of the check image with a red 'X' like
the following:
3.) The PC that you are using may be blocking the redirect
feature on the web page that forwards you to the server hosting our
check images:
Our check images are hosted on a server that is separate from the
rest of our Online Banking website. If you are able to access other
portions of our Online Banking but not the check image pages, it
could be software on your PC that prevents the page from loading. If
you have a firewall or anti-virus program, you may try turning these
off temporarily and see if that fixes the problem. If one of these
programs is blocking the check image pages, you can read your
software documentation to find out how to allow loading of our check
image website. Additionally, you’ll want to scan your PC regularly
for viruses and spyware/malware which can also interfere with web
browsing and could also prevent areas of our Online Banking from
loading correctly. If your web browser can’t load the check image
page, you’ll see the redirect message below but won't get
redirected:
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Q: How does the debit card work?
· Your
debit card can now be run either as debit or credit.
Both ways cause the funds to be deducted from your checking
account. The debit method works immediately, and the
credit method puts a preauthorization hold on your account, and
deducts the funds when the merchant presents the transaction.
· If you
run it as debit (and some merchants require it that way), you must
key in your pin number at the point of sale terminal.
Your transaction will post to your account immediately. This shows
on your account as a POS (point of sale) transaction. We
can mail your pin number to you, if you don’t know it. It’s the
same pin number that you use at the ATM. No credit union
employee can tell you what your pin number is, because for security
purposes, we don’t have access to it.
· If you
run the purchase as a credit, you sign the sales slip to authorize
the purchase, and a preauthorization hold is put on your account.
Usually, but not always, a debit amount is authorized (or approved
by us to be allowed because you have the money available at that
time), and the item will post within 3-4 days, if the merchant is
timely in sending in their payment requests. Usually
they do send them in because they want to get their money, and the
transaction matches against the hold, the hold expires, and the
transaction is posted. A preauthorization hold will
expire in our system in 4 days from when it originated, if no
matching transaction is presented against it. This allows your money
to be available again. If your money is gone by the time
the transaction arrives to be paid, your account is charged a $25
fee if the posting of the item takes your account
negative. We have to pay these items since we have
authorized them to the merchant, and we cannot stop payment on these
items or return them. This is why it’s very important
to record all transactions in your check register, so you don’t
inadvertently withdraw funds that will be used for previous
purchases.
· When
purchasing gas at the pump, most places hold $1 on your account for
5 minutes – that’s how gas stations authorize your
card. You need to know how much your purchase was, and
know that the purchase amount needs to be available to clear in your
account. The amount of your gas purchase is not
held in your account, so you must deduct it from the balance in your
check register to keep good record of your account.
· With the
rising cost of gas, we have seen some gas purchase holds on your
account of $30 or even $50. This amount is just held for
5 minutes, but if you didn’t have that much available in your
account, you wouldn’t be able to use your card at the pump, even
if you were just going to actually purchase $10. In that
case, you can probably pay inside the station, or get cash from an
ATM to purchase gas with.
· Meal
purchases can also be held for a different amount than will actually
post. The server usually authorizes just your meal
(although some authorize with an anticipated gratuity), so your hold
amount may not equal what will clear if they only authorized the
meal amount, and you added a tip to the bill. So you need to be sure
to record the actual amount of the payment in your check register,
and be sure the amount is available to clear in your account.
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Q: What information do I need for direct
deposit to my account?
You need two numbers:
· The
credit union routing number is 264181448 . This
is the number assigned to identify Old Hickory Credit Union in the
financial institution world. This number is the first
group of numbers at the bottom of your share draft check, on the
left side.
· The
second number needed is the account number. For direct
deposits to your savings account, this could be your social
security number if you became a member before June 2003, or it could
be your 5 digit account number if you became a member after June
2003. For direct deposits to your checking account, it could
be the 9 digit account number at the bottom of your checks, that
begins with 700 plus 6 more numbers, or it could be a 13 digit
account number in the bottom middle of your checks.
Contact us if you don’t know which numbers to
use. Getting these numbers right is very important –
using the wrong number can cause a delay in getting your funds to
you. ACH rules tell us we have to go by the account
number only, so if the account number is wrong, technically we
should return the payment back to the sender.
Q: Why did I get charged an overdraft fee when
I had a deposit on the same day?
Some other financial institutions hold all their day’s work in
a batch mode until the end of the day and then post credits, then
debits. Our system is a real time system, which posts transactions
in the order in which they come in. If funds are not
available when a payment is presented (check, ACH debit, debit card
posting, etc), you have a fee charged to you. Even if
you make a deposit 5 minutes later, the fee still
stands. Funds should be available in your account BEFORE
you authorize a payment. With the advent of Check 21, a
new law taking effect October 28, payments will clear even faster,
virtually eliminating any float. We highly recommend
that you not spend any money that is not already in your account.
Q: What’s the difference in making a deposit
in the ATM vs. a deposit in the night deposit?
Deposits made in the ATM
· give you
a receipt
· show as
credited to your account with up to $100 availability
· almost
all funds from the deposit are NOT available to you for 2 business
days, (even for cash and payroll checks), giving us time to balance
the ATM and verify the deposits. There is a sign on each
ATM saying you will have delayed availability by depositing through
the ATM.
Deposits made in the night deposit
· don’t
give you a receipt at the time of deposit
· don’t
show as immediately credited to your account or give you any
availability
· get
credited to your account as soon as employees are available in the
morning to open and post it (one of the first daily priorities of
every branch)
· can
possibly avoid having holds put on the deposit if the funds are in
cash or good payroll check
Q: Where can I find an ATM location affiliated
with Old
Hickory
Credit Union?
Old Hickory Credit Union owns 9 machines in our service
area. You can make deposits at machines marked with *
· * 1000 Industrial Rd, Old Hickory, TN 37138-0431
(branch)
· * 708 Rivergate Pkwy, Goodlettsville, TN 37072 (branch)
· * 543 E. Main, Hendersonville, TN 37075 (branch)
· * 1401 W. Main, Lebanon, TN 37087 (branch)
· * 201 South Lowry, Smyrna, TN 37167
· * 304 S. Broadway, Portland, TN 37148
· Unipres, 201 Kirby Rd, Portland, TN 37148 (employees only)
· Gap, 200 Gap Blvd, TN Distribution Ctr, Gallatin, TN 37066
(employees only)
· 444 Enos Reed Rd, Nashville, TN 37210 (inside the branch)
The Choice Network is our affiliation of local credit unions that
provide over 90 machines that you can use surcharge
free. Please look at the Choice Network link on the home
page of our website at www.ohcu.org or
go directly to www.choicenetwork.org
to find a machine near you, or near where you will be traveling.
Q: What is Check 21?
The Check 21 legislation, also known as the Checking for the 21st
Century law, is now in effect. Check 21 will speed up check
processing for financial institutions, significantly reducing the
amount of time it takes for checks you write to clear your account.
The law allows financial institutions to electronically transmit
copies of checks between each other for processing instead of
physically transporting traditional paper checks, ultimately saving
millions of dollars.
Please be aware that because of this change, you will lose some of
the float time between check writing and check clearing.
We encourage members when writing a check to have the cash available
in their accounts to clear that check at the time of writing.
For further information about Check 21, please go to www.federalreserve.gov/pubs/check21/consumer_guide.htm
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