• Real Estate Loans

    Mortgage Loans Flexible financing options for the home of your dreams.

    Home Equity Loans Access cash using the equity you’ve built in your home.

  • Vehicle Loans

    Auto Loans Let us take the stress out of the car buying process.

    Auto Refinance Enjoy lower interest rates and smaller payments when you refinance.

    Other Loans Great rates on motorcycle, RV & boat loans.

  • Personal Loans

    Personal Loans Access to the money you need, when you need it.

    Line of Credit Have peace of mind you'll be able to handle fluctuations in your finances.

    CD Secured Loans Establish credit or borrow money without a co-signer.

  • Credit Cards

    Credit Cards Industry-leading cards with competitive rates and benefits.

    • Added Benefits

      Competitive, low interest rates.

      Sign most loan documents electronically with DocuSign.

      Personalized service from your UHCU Loan Specialist.

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  • Investments

    CDs Tiered interest paid quarterly; terms from three to 60 months.

    IRAs No monthly fee; traditional and Roth IRA available.

  • Insurance

    Term Life Insurance An affordable option to keep you covered.

    Accidental Death Up to $300,000 worth of coverage, no medical questions asked.

    Long-Term Care Be prepared for an unexpected illness or hospitalization.

    Auto Free, instant rate quotes from reputable carriers.

    • Added Benefits

      Looking for Financial Help? Our partnership with LPL financial will put you on the right track with investment services, insurance products and information access.

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Online Help

Everything you need to know about United Heritage’s Online Banking

Find a UHCU Branch/ATM

  Find it

Security refers to preventing unauthorized access to a computer system or network. Our Online Banking uses several layers of technology to prevent unauthorized users from gaining access to the internal network. Online Banking’s security professionals manage a sophisticated networking architecture that includes screening routers, filtering routers, and firewalls.

Online Banking is our term for accessing your account information over the Internet. Online Banking uses software that incorporate full data encryption to ensure the security and privacy of transactions. This encryption technology is so secure that it is classified by the U.S. Department of Defense. United States law forbids export of this technology to other countries. As a further security measure, Online Banking utilizes its Internet server as a firewall, thereby preventing customer data from being directly accessed via the Internet.

The Online Banking section is automatically secured/encrypted, but the rest of the website can be accessed as either secure or unsecure. To see at a glance if a session is secure:

  • Check if there is an "s" after the "http" in the URL. The "s" after the "http" denotes that the page is secure.

If using Microsoft® Internet Explorer, and the image of a lock is displayed, the lock indicates the site is secure.
If the icon appears as a picture of a broken key or a broken lock, encryption is not in use and the current session is not secure.

To ensure security, we recommend that you never reveal your password or PIN.
Some browsers allow you to enable a function to require passwords for specific sites or certifications. In that instance, you should enter the password for the browser.

Passwords are case sensitive. Mixing uppercase and lowercase letters is permitted. You can change your Online Banking password under User Options at any time. It is recommended that you change your password every six months.
UHCU does not have access to your password. In the case of a forgotten password, contact us and ask that your Internet Account Access for Online Banking be reset.

Use the Sign Off icon to end an Online Banking session. This will expire all the cookies that were set in your session. Do not use the Back key. If you do not exit the browser, the browser will allow you to use the Back key to get back into your Online Banking session should you wish to explore another site. The amount of time you can remain inactive before being automatically logged out of Online Banking can be set under User Options.
For your own security, keep this time setting as short as possible.

It is recommended that you balance your account at least once a month so that any discrepancies can be reported in a timely manner.

Log-on Security Information

Internet Explorer Content Advisor

End Users that have Content Advisor enabled in Internet Explorer will require some changes that need to be made in order to use Online Banking.
  1. Click on Tools.
  2. Select “Internet Options”
  3. Select the "Content" tab
  4. Select "Settings" and input the Content Supervisor password. (The password was created when Enabling the Content Advisor, if you have forgotten this password contact Microsoft)
  5. Select "Approved Sites" Copy and paste the entire Login page URL, For example: www.myfi.com/onlinserv/HB
  6. Select "Always" and then click "Apply"
  7. Click "OK" to close the Window.
  8. When logging into Online Banking, you may see a message box.
  9. Select “Yes” to continue.  

Additional Third Party Software (TPV)
Due to increased security, certain third party toolbars/software may prevent end user access into Online Banking. This can also include some types of pop-up blockers. In order to log in to Online Banking, this software may need to be disabled or uninstalled. Please refer to the third party vendor instructions for information on how to perform these steps.

Spyware/Adware
Due to increased security, certain spyware/adware may also prevent end user access into Online Banking. In order to log in to Online Banking, end users must remove this type of software from their computer.

Spyware is Internet jargon for advertising supported software (Adware). It is a way for shareware authors to make money from a product, other than by selling it to the users. Adware typically reports your Internet surfing habits back to a third party site for data collection purposes. In order to protect your financial privacy, it may be necessary to install a spyware/adware search tool to determine if your computer has any of this software installed. If you determine that adware or spyware has been installed on your computer, the software will need to be removed.

GENERAL INFO

Cookies
Cookies are small text files on your system, used to keep track of settings or data for a particular site. Websites can use cookies to identify a returning user or to pass information between web pages in a single visit.

There are two types of cookies: temporary and permanent. Temporary cookies are used and tracked by the browser to pass information and are deleted once the browser is shut down. Permanent cookies are stored on your system and can be accessed again for multiple visits. Permanent cookies usually have an expiration date and will be automatically deleted from your system at that time. Online Banking uses temporary cookies and may use permanent cookies, but never passes private information through cookies.

An example of how Online Banking uses a temporary cookie is in the demo. The browser uses the cookie to either show or hide the overview depending on the user's choice. Every time the demo is used, that cookie will be used and deleted once the demo is exited or the browser is shut down.

Online Banking also uses a different kind of temporary cookie known as a session cookie, a non-persistent cookie, or a pre-expired cookie. This cookie is used as part of the stringent security measures in Online Banking to make sure that each page in Online Banking is not cached or saved on your system. This means that each page must be retrieved from the web server. This cookie is deleted when a user logs or times out of Online Banking or if the browser window is closed and ensures that another user on the same computer cannot access the previous user's Online Banking session or information.

If you use Enhanced Security, Online Banking may place a secure permanent cookie on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to a computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used to validate your identity and does not contain any personal information.

JavaScript
JavaScript is a widely accepted, simple programming language that allows a website to be more interactive. Websites can use JavaScript to perform many actions such has calculations, displaying dynamic navigation, and rotating through banner images. By using JavaScript, websites can be pro-active by making a better Internet experience.

An example use of JavaScript in Online Banking is form validation. Validation is simply enforcing certain rules on different fields. When presented with a phone number field, JavaScript can alert the user if the phone number format is incorrect or if a value in the field is not a number. This allows the form to be filled out and submitted correctly the first time.

If JavaScript is not enabled, some or all of the Online Banking features may not work. In most browsers, JavaScript is enabled through the adjustment in Security Settings. Please refer to the specific section for your browser by clicking on the link located in the index at the top of the page.

SSL
Before initiating your Online Banking, we first require that a "secure session" is established using Secure Socket Layer (SSL) encryption. This is a process where the information between our server and your browser is encrypted or scrambled so that unauthorized parties cannot read it. There are two general indicators that you have entered a secure session. Check for an unbroken key or locked padlock icon on the bottom of your browser screen. Also, when the URL (web page address) in the address bar starts with "https" (note the "s" at the end) rather than "http", your session is secure.

Display Size
The content of a website is created to be best viewed in a range of display sizes or screen resolutions. The display size maximum is determined by your monitor's maximum display area (by maximizing your browser window) and the display size minimum is user controlled by resizing the window to be smaller then the maximum area allowed.

By viewing a website at or above the recommended display size or screen resolution all the Website content can be seen without scrolling left to right. Each website will vary with their recommended display size or screen resolution, but the most recommended browser display sizes are 800 width by 600 height (800 x 600) or 1024 width by 768 height (1024 x 768).

Your monitor’s display size, sometimes referred to as the desktop area is a setting controlled by your Operating System. Please refer to your Operating System documentation on how to determine and change your display size.

Adobe Acrobat Reader
Adobe Acrobat Reader is a free browser plug-in that can read certain document file types known as PDF (portable document format). Having this plug-in allows you to read a PDF file from your browser window rather than having to open the Adobe Acrobat program to read the file. If you need Adobe Acrobat Reader, click here (directs to http://get.adobe.com/reader/) and follow the directions on Adobe's website. Online Banking most commonly uses PDF files for online statements and check images.
 

Unable to Log-On to Online Banking
If you can view the other areas of our website, but are unable to access Online Banking, it may indicate a problem accessing all secured website. Both your browser and Internet service provider must support secured sites. This website is designed for Netscape® 7.2 or Microsoft® Internet Explorer 6.0 or Mozilla Firefox 1.0 or Safari 1.2 for Macintosh. Using other browsers may cause the Web pages to appear misaligned and prevent access to Online Banking.

IMPORTANT: It is highly recommended that the newer browsers be used to access Online Banking.

If you are using one of the browsers mentioned above and are still experiencing a problem, the problem may lie with the Internet service provider. This is particularly common with employer-based access to the Internet. Your employer may have firewalls, proxy servers, or other equipment that may prevent access to secured sites. Contact your company’s Data Processing Department regarding the problem or try to access Online Banking from another location.

IMPORTANT: When reporting problems to United Heritage, please have as much information ready as possible (e.g., browser version, etc.).

Receiving the following message after logging in successfully will stop all further processing and/or access to any portion of Online Banking during this session: "Internet Account Access Session Error." Return to the log-in screen to start a new session. This error indicates that you did not accept one or more cookies. In order to enter the secured encrypted site you must accept the cookies. Since there are several within Internet Account Access, it is suggested that you disable the cookie alert within your browser while viewing account information.

IMPORTANT: If you are prompted with a dialog box that asks you to re-enter your password (after initially entering your User ID and Online Banking password), your browser may not support JavaScriptTM, or JavaScriptTM may not be enabled. An upgrade to Netscape® 7.2 or Microsoft® Internet Explorer 6.0 may be necessary.

Go to Microsoft’s website to download Internet Explorer or to Netscape’s website to download Communicator. If you already have one of these browsers, the "Enable JavaScript" function may be disabled.

To enable JavaScriptTM in Netscape® Communicator 7.2:

  1. From the EDIT menu, select PREFERENCES.
  2. In the Preferences window, select ADVANCED.
  3. Verify that "Enable JavaScript" and "Enable native object scripting" are checked.
  4. Click the OK button to close the Preferences window.

 

To enable JavaScriptTM in Microsoft® Internet Explorer 6.0:

  1. Click on TOOLS.
  2. Select INTERNET OPTIONS.
  3. Click on the SECURITY tab.
    1. Set the Security Level for the Internet Zone to MEDIUM.
    2. Click on the button marked "Custom Level"
    3. Under Java Permissions make sure the radio button is set to Medium Safety.
    4. Under Scripting of Java Applets make sure the radio button is set to ENABLE.
  4. Click on the PRIVACY tab.
    1. Set the Privacy Setting to MEDIUM.
  5. Click OK and go to the ADVANCED tab.
  6. Under The Microsoft VM section, check the box next to "JIT compiler for virtual machine enabled (requires restart)"
  7. Click on OK until exited completely from options.

 

To enable JavaScriptTM in America Online:

  1. Click on the "Start" button.
  2. Select "Settings" (Only on Win2000, or on WinXP when Start button menu is in Classic mode)
  3. Select "Control Panel".
  4. On the Control Panel window/submenu, select "Internet Options".
  5. On the Internet Properties window, select the "Advanced" tab.
  6. In the Security section, make sure the checkbox for "Do not save encrypted pages to disk" is blank (OFF).
  7. To enable Java: under Java (or Microsoft) VM, make sure checkbox for "JIT compiler for virtual machine enabled (requires restart)" is checked (ON).
  8. On the Internet Properties window, select the "Privacy" tab.
  9. Under the Privacy tab, click the "Advanced..." button
  10. On the Advanced Privacy Settings window, make sure that the radio buttons for "First-party Cookies" and "Third-party Cookies" are both set to "Accept" and the checkbox for "Always allow session cookies" is checked (ON).
  11. Click the "OK" button to close the Advanced Privacy Settings window.

 

To enable JavaScriptTM in Safari 1.2:

  1. From the menu bar, click/select the Safari menu.
  2. From the Safari menu, select "Preferences...".
  3. In the Preferences window, Click the "Security" icon/tab.
  4. In the "Web Content" section,
    1. Click (ON) the checkbox for: "Enable plug-ins"
    2. Click (ON) the checkbox for "Enable Java".
    3. Click (ON) the checkbox for "Enable JavaScript".
  5. Close the Preferences window.

 

To enable JavaScriptTM in Mozilla Firefox 1.0:

  1. From the menu bar, click on "Tools".
  2. From the Tools menu, select "Options...".
  3. In the Options window, select the "Web Features" icon/tab.
    1. Check (ON) the checkbox for "Enable Java".
    2. Check (ON) the checkbox for "Enable JavaScript".
  4. Click on OK button to close the Options window.


Error Messages
To show us the exact error message that you are receiving, display the error message on your screen then press ALT+Print Screen on your computer’s keyboard. This will transfer the image to your clipboard. Open your word processor and paste the selection. You can save this file and email it to general@uhcu.org.

When experiencing an error message, try the following steps before contacting UHCU:

  1. Close the browser. 
  2. Retry. 
  3. Delete the Cache, Reload, or Refresh.

After trying this, if you still continue to receive the error message, please contact us.


Compatibility
Having difficulties viewing the test or not seeing the test results could be due to one or more of the following:

  1. Pop-up Blocker. If your browser uses a pop-up blocker, please disable it and click on the Compatibility Test again. For more information regarding pop-up blockers please refer to the specific section for your browser by clicking on the link located in the index at the top of the page.
  2. JavaScript is disabled. If your browser has JavaScript disabled, please enable it and click on the Compatibility Test again.
  3. Alternative Browsers. Using an outdated, branded, or non-standard browser might cause test errors. Attempt to run the test on a recommended browser to see if the test can be successfully run.
If you are still not able to view the test, please contact us for further help.

Importing to Money 2000
1. Go to Account Access and click on Export.
2. Choose the source account and the date range you wish to download.
3. Choose Money OFC as the export format.
4. A screen will pop up. You want to choose "Save it to disk"
5. Choose the location to save and create a name for the downloaded file. Then click Save.
6. To import the file, open Money 2000.
7. Click on "File"
8. Then Click on "Import"
9. Now, you need to locate where you saved the downloaded file. To do this, click on the file. When you do this, the file should appear on the bottom where it says "File Name:"
10. Then click on import. *
* If you receive an error that states that the file format is invalid, follow these steps:

a. Go to the Windows Start Menu (lower left hand corner of your desktop).
b. Click on "Programs", then go to "Accessories", and then click on "Notepad". This will open up a blank document.
c. Click on "File" and click on "Open".
d. Now, locate the downloaded file. Make sure that the "File Type" selected is "All Files."
e. Click on the file and then on "Open."
f. The 7th Row of data will have the name and then a list of numbers next to it.
g. Delete the last number in this row of numbers.
h. Close the page and save it to the same name. It will ask you if you want to replace the existing file with the same name. Choose Yes. Continue with step 6.

If this does not remedy the problem, contact Customer Service.

Downloading Files to Financial Software
To search for help with Quicken, visit the Intuit website at http://www.intuit.com/support/
To search for help with Microsoft Money, visit http://www.microsoft.com/money/.


 

Operating Systems:
Windows 7 or newer
Windows Server and Multipoint Server 2012
Macintosh OS X 10.8 or newer

Browsers:
Our site is optimized for use with certified/recommended browsers. If you use a different browser, you may not be able to take full advantage of the site’s features.


Internet Explorer 9 or newer
Browser Settings:
 

Cookies

  1. Click on TOOLS.
  2. Select INTERNET OPTIONS.
  3. Click the PRIVACY tab.
  4. Click on the ADVANCED button.
    1. Put a check mark next to "Override Automatic Cookie Handling".
    2. Select ACCEPT for "First-Party Cookies" and "Third Party Cookies".
    3. Put a check mark next to "Always Allow Session Cookies".
  5. Click OK.

Security

  1. Click on "Tools" in the menu bar.
  2. Select "Internet options".
  3. Click on the "Security" tab.
    1. Set the Security Level for the Internet Zone to MEDIUM. (if slider bar is not available, click on the "Default Level" button).
    2. Click on the button "Custom Level".
    3. Under "File Download" make sure the radio button is set to ENABLE.
    4. Under "Scripting of Java Applets" make sure ENABLE is selected.
    5. (for XP only) Under Automatic prompting for file downloads make sure ENABLE is selected.
    6. Click OK.
  4. Click on the "Privacy" tab.
    1. Set the Privacy Setting to MEDIUM.
    2. Click on the button "Advanced".
    3. Put a check mark next to "Override Automatic Cookie Handling".
    4. Under both "First-Party Cookies" and "Third-Party Cookies" select "Accept".
    5. Put a check mark next to "Always Allow Session Cookies".
    6. Click OK.
  5. Click on the "Advanced" tab.
    1. Scroll down to Security and make sure the checkbox for "Do not save encrypted pages to disk" does NOT have a check mark.
    2. Under the same Security section, check "Use SSL 2.0” and “SSL 3.0".
    3. (For Windows 2000 and XP SP1 only) Under the Microsoft VM section, check the box next to "JIT compiler for virtual machine enabled (requires restart)".
  6. Click on OK until exited completely from options.

Deleting All Temporary Internet Files:

  1. Click on "Tools".
  2. Select "Internet options".
  3. Under the "Browsing History" section under the "General" tab, click the 'Delete...' button.
  4. Make sure “Temporary Internet files” is the only option with a check mark next to it. Click any others to remove the check mark)
  5. Click "Delete".
  6. Click OK until exited completely from options.
Deleting Cookies Only:
  1. Click on "Tools".
  2. Select Internet Options.
  3. Under the “Browsing History” section under the “General” tab, click the 'Delete...' button.
  4. Make sure “Cookies” is the only option with a check mar next to it. (Click any others to remove the check mark)
  5. Click "Delete".
  6. Click on OK until exited completely from options.

Firefox 20 or newer
Browser Settings:
 

  1. Click the “Firefox” orange button in the top left corner.
  2. Click on "Options".
  3. In the Options window, select the "Privacy" icon/tab.
  4. Under the “History” section select “Use custom settings for history” from the dropdown list.
    1. Check the checkbox for "Accept cookies from sites".
    2. Check the checkbox "Accept third-party cookies".
    3. From the “Keep until” dropdown list, select " they expire".
  5. In the Options window, select the "Content" icon/tab.
    1. Uncheck the checkbox for "Block Popup Windows". *Or if you choose to have it checked, be sure to add your FI's URL to the Exceptions list by clicking the “Exceptions…” button to the right.
    2. Check the checkbox for "Load Images automatically".
    3. Check the checkbox for "Enable JavaScript".
  6. In the Options window, select the "Advanced" icon/tab.
    1. Select the “Encryption” tab
    2. Check the checkbox for "Use SSL 3.0".
    3. Check the checkbox for "Use TLS 1.0".
  7. Click on OK button to close the Options window.
Clearing History:
  1. Click the “Firefox” orange button in the top left corner.
  2. Click on “Options”.
  3. Hover over “History” in the dropdown menu
  4. Click “Clear Recent History…”
  5. In the dropdown menu next to “Time range to clear:” select “Everything”.
  6. Place check marks next to:
    1. Browsing & Download History
    2. Form & Search History
    3. Cookies
    4. Cache
    5. Active Logins
  7. Click the “Clear Now” button.
Deleting Cookies Only:
  1. Click the “Firefox” orange button in the top left corner.
  2. Click on “Options”.
  3. In the Options window, select the "Privacy" icon/tab.
  4. Under the “History" section, click the “remove individual cookies” link.
  5. Click the “Remove All Cookies” button.
  6. Click the “Close” button.
  7. Click on OK button to close the Options window.

Safari 5 or newer
Preferences:
 

  1. Click the wheel icon at the top right.
  2. Select "Preferences..." from the dropdown menu.
  3. In the Preferences window, click the "Security" icon/tab.
    1. Place a check in the checkbox for: "Enable plug-ins".
    2. Place a check in the checkbox for "Enable Java".
    3. Place a check in the checkbox for "Enable JavaScript".
    4. Remove the checkbox for “Block pop-up windows”*.
    5. Click ON the checkbox for "Ask before sending a non-secure form to a secure website.
  4. Click the "Privacy" icon/tab
    1. For the “Block cookies” section, click the "Always" button.
  5. Click the "AutoFill" icon/tab.
    1. Uncheck the checkbox for "User names and passwords".
  6. Close the Preferences window.
Clearing History
  1. Click the wheel icon at the top right.
  2. Select “Preferences…” from the dropdown menu.
  3. Uncheck all options except “Clear history”.
  4. Click the “Reset” button.
Deleting Cookies Only:
  1. Click the wheel icon at the top right.
  2. Select “Preferences…” from the dropdown menu.
  3. Click the “Privacy” icon/tab.
  4. Click the “Remove All Website Data…” button.
  5. Click the “Remove Now” button in the pop-up window.
  6. Close the Preferences window.

*It is recommended that "Block pop-up windows" be turned OFF because Online Banking utilizes pop-up windows (e.g. Printer Friendly window, etc.).
NOTE: Block pop-up windows can also be turned on/off from the dropdown menu after clicking on the wheel icon.

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