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Archives: Help Articles
Help Articles
What are the benefits of using a chip debit/credit card?
A standard size credit/debit card which has a microchip as well as a traditional magnetic strip. The chip encrypts information to increase data security when making transactions at stores, terminals, or an ATM. Basically, it is to promote and ensure credit cards security. This endeavor hopes to ensure security and worldwide acceptance of Mastercard and… Read more »
What does it mean to be preapproved for a credit card?
Being prequalified for a credit card means the issuer has done a soft pull of your credit history and concluded that you are a great candidate for that specific credit card being offered. It means that if you apply for said credit card that you have been pre-approved for you’ll most likely get approved for… Read more »
What does APR mean?
APR is most often expressed in terms of an interest rate (%). Annual percentage rate (APR) is a measure that attempts to calculate what percentage of the principal you’ll pay per period (in this case a year), taking every charge from monthly payments over the course of the loan, upfront fees, etc. into account. APR is the annual rate… Read more »
How can I transfer money to another bank/credit union?
There are two ways to set up external transfers: Set up a scheduled transfer (i.e. weekly or monthly) with a set amount of money by visiting an HRCCU branch or contacting the Member Experience Center at 518-886-3400. Initiate the external transfer through your other financial institution
What are the differences between a credit union & a bank?
A credit union is a not-for-profit financial institution. Whereas a bank is a for-profit financial institution. A credit union is owned by its members, which is where your $1 membership comes into play, therefore the institution has its members best interests at heart. Credit unions have a more community based and localized approach. Whereas large… Read more »
Plastic vs. account fraud
Plastic: Meaning your plastic cards can be compromised by skimming. Account Fraud: Applications forgery, phishing attacks, and account takeover.
How to create secure account passwords that are easy to remember
1. Create a Tip Sheet We recommend using a tip sheet that offers clues as to what your password might be while avoiding keeping a list of passwords that could be visible to any wandering eye. Never write your password down anywhere anyone else could see it. However, writing a cryptic clue that only you… Read more »
Online banking browser requirements
Operating System Platform Supported and Recommended Browsers Allowed Browsers Windows 10 Edge Chrome – Current Stable Version Firefox – Current Stable Version Windows 8.1 Internet Explorer – Current Stable Version Chrome – Current Stable Version Firefox- Current Stable Version Windows 7 Internet Explorer 11 Chrome – Current Stable Version Firefox- Current Stable Version MAC OS… Read more »
