Online Banking FAQ

• Is Online Banking secure?

  Online Banking uses security measures such as encryption, secure login credentials, multi-factor authentication, and account monitoring to help protect your personal and financial information.

• What is the service fee for using online banking?

  Online Banking is free to all of our members and lets you access your accounts on your terms. Some benefits of Online Banking include: 

  • Check your account balance and transaction history
  • Access eStatements
  • Transfer between your accounts
  • Take advantage of free Bill Pay
  • Access Zelle® with no fees
  • Check your credit score with Credit Monitoring Services
  • Learn about the latest promotions
  • Create a budget with Money Manager all from the comfort of your home and so much more!

• Can I print my bank statement using Online Banking?

  Yes! If you are signed up for eStatements, your statements will be available to you in your online banking account within the Statements section of the Account Services Tab. In the Mobile App, Statements are kept under the “More” tab.

  If you need further assistance, please contact us.

• Can I set up automatic loan payments through Online Banking?

  Yes! If your loan is with Kitsap Credit Union,

  Online Banking allows you to schedule automatic loan payments from eligible Kitsap Credit Union accounts. Automatic payments can help ensure your loan payments are made on time each month.

  You can schedule automatic transfers from your Kitsap Credit Union savings or checking account by clicking on the “Schedule a Transfer” option on the “Transfers” tab.

  If your loan is at another financial institution and you have a Kitsap Credit Union checking account, you can make your payment with our free Bill Pay.

  Follow these few simple steps below.

  1. Login into your free Kitsap Credit Union online banking account.
  2. Select the Payments tab, then the Bill Pay option located at the top of the page. Click "Complete Sign up" after acknowledging the Terms & Conditions.
  3. Use the option "Need to pay someone new?" to start adding payees.

  Once your payee has been added, you will be directed back to "My Bills & People I Pay," where you can now schedule single or recurring payments.

• How do I make credit card payments online?

  You can make credit card payments through Online Banking by transferring funds from an eligible Kitsap Credit Union account or by using available payment services within Online Banking or the mobile app.

  Here are the ways you can make your Kitsap Credit Union credit card payment online:

  • Simply transfer your payment to your credit card on the same account as your Kitsap Credit Union savings or checking account in your online banking account.
  • Use Loan Pay in Online Banking or the Mobile App to make free payments from any non-KCU account. Select Loan Pay from the payments tab and follow the steps.

   

• How can I make a loan payment to another financial institution using online banking?

  With your Kitsap Credit Union checking account, you can make a loan payment to another financial institution online with our free Bill Pay service.

  To get started, simply log into your online banking account, click the Payments tab, then the Bill Pay option, and enter the information into the “Need to pay someone new?” box.

  Here are the steps:

  1. Login into your free Kitsap Credit Union online banking account.
  2. Select the Payments tab located at the top of the page, then the Bill Pay option, and click "Complete Sign up" after acknowledging the Terms & Conditions.
  3. Use the option "Need to pay someone new?" to start adding payees.

  Once your payee has been added, you will be directed back to "My Bills & People I Pay," where you can now schedule single or recurring payments.

• How do I deposit checks online?

  Check deposits are available through the Mobile Banking app using Mobile Check Deposit. Eligible members can deposit checks by taking a photo of the front and back of the check with their mobile device.

  At this time, remote check deposits are only available on our mobile apps.

  From the mobile app, log into your account, click Check Deposit, and follow the directions. It’s that easy!

• How can I view my account balances online?

  Just sign into your online banking account and your balances will be displayed there for you!

  Online banking is a free service provided to all of our members and it lets you access your accounts on your terms. Check your account balance and transaction history, access transfer between your accounts, take advantage of Bill Pay, or create a budget with Money Management all from the comfort of your home. 

• How do I change my online banking password?

  While logged in to your online account, click on “My Settings” in the upper right-hand corner of our site, then click “Update Password” on the left.

  You will need to select a unique password that…

  • Must be between 12 and 32 characters long.
  • Must be a combination of letters, numbers, and symbols.
  • Cannot be a substring of the username.

  Think your password may have been compromised?

  We care about your financial security and well-being. To ensure your online and financial safety, here are a few tips:

  • Change your passwords routinely. We recommend updating your passwords several times each year.
  • Use passphrases. The longer your password, the better. Long passwords are harder for hackers to figure out.

• How do I log in to online banking?

  To sign in, access our login page. You will then need to enter your unique user ID and password. 

  Once signed in, you can access account information, transfer funds, pay bills, and manage your finances online.

  Haven’t signed up for Online Banking?

  With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text or email account alerts, and more!

• How do I log off of online banking?

  To securely log off Online Banking, select the logout option before closing your browser or mobile app. Logging out helps protect your account information, especially when using a shared device. To log off:

  From a desktop or laptop:

  •  Select the Logout option on the top right-hand corner of the window or close out of the browser.

  From the mobile app:

  • Click the door icon on the top right-hand corner of the window.

  From your mobile device's web browser:

  • Select Menu and then Logout at the bottom of the menu list.

• How do I sign up for online banking?

  If you have an account or loan with Kitsap Credit Union, you're already signed up for online banking!

  Your first time login username is your 6-digit account number.

  Your temporary password will be “KCU” plus the last five digits of the social security number of the person whose name is listed first on the account. For example, if the social security number is 123-45-6789, then your password would be KCU56789.

  Online banking is free to all of our members and it lets you access your accounts on your terms. Check your account balance and transaction history, access transfer between your accounts, take advantage of Bill Pay, or create a budget with Money Management all from the comfort of your home.  

• How much does it cost to use online banking?

  Online banking is a FREE benefit to our members! 

  Online banking is free to all of our members and it lets you access your accounts on your terms. Check your account balance and transaction history, access transfer between your accounts, take advantage of Mobile Bill Pay, or create a budget with Money Management all from the comfort of your home.

  If you have an account with Kitsap Credit Union, you're already signed up for online banking!

   

• What do I do if I forgot my online banking password?

  If you forgot your password, follow the steps below to retrieve it:

  1. Navigate to the Online Banking Login page
  2. Click “Forgot your Password / Username?”

  If you are having trouble on your Mobile App you can select "Forgot Login"  and you will be prompted with the next steps to recover your Username and/or password.

• What do I do if I have been locked out of my online banking?

  You can unlock your account by selecting the “Forgot your Password/Username?” link on the login page or by selecting the “I can’t access my account” link from an unsuccessful log in attempt. These options will unlock your account and reset your online banking password.
  If these steps are unsuccessful, please contact us and we would be happy to assist you!

• What types of accounts can be viewed with Online Banking?

  All Kitsap Credit Union accounts are able to be viewed online. Online Banking allows eligible members to view account balances, transaction history, loans, credit cards, savings accounts, checking accounts, and other Kitsap Credit Union accounts.

  Our online banking service lets you conveniently access your Kitsap Credit Union accounts 24/7 from any computer or device.

• Why am I having trouble logging in to online banking?

  There are a variety of reasons why you are experiencing issues logging in such as entering an invalid username or password, and we apologize for the inconvenience.

  Login issues may occur because of an incorrect username, password, browser settings, internet connectivity problems, or account security restrictions. If your account becomes locked after multiple unsuccessful login attempts, use the account recovery process to regain access.

  • Is this your first time logging in? If so, follow our simple 5-minute setup process for your Personal or Business accounts.
  • Incorrect Username / Password? Please note that after five incorrect login attempts, your account will be locked for security reasons. To unlock your account, follow the steps in the Forgot your Password / Username option on the login page.

• Can I access my account with Quicken® or QuickBooks®?

  Yes. For personal accounts we provide Direct Connect Registration through Online Banking. Just sign into your account, select Connectivity for Quicken® and QuickBooks® in the Other Services Tab. 

  For Business Accounts, transactions can be exported to a Quicken® or QuickBooks® file that can then be uploaded to the respective program. 

• Can I change my physical address, mailing address, email address, and phone number through online and mobile banking?

  Yes! Personal contact information such as your email address and phone number can be updated through digital banking.

  To update your mailing or physical address, please contact us.

• Can I report fraudulent transactions in online banking?

  Yes! Online Banking provides options to report suspected fraudulent transactions and account activity. Prompt reporting can help protect your accounts and reduce potential losses.

  The Transaction Dispute link is located under Other Services in the global navigation menu in Online Banking.

  In the mobile app, this feature is available under More. Select Other, then Transaction Dispute.
  
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• Does online and mobile banking have a memo feature?

  Yes! Online Banking includes a memo feature for eligible transfers. Memos may appear in transaction history and account records to help track account activity.
  

• If I have multiple accounts, can I view them all with one login?

  At this time if you have multiple accounts with Kitsap Credit Union, you are required log into each account separately to view balance and transaction information.

  We do have the capability of linking the accounts for you to be able to transfer between them, when you are logged into the account you are transferring from. You can set up a linked account through the Transfers tab of Online Banking so long as you know the six-digit Member Number, the last 3 characters of the account owner’s name, and the four-digit ID number of the share you’d like to link.