Mobile Banking FAQs

With VACU Mobile Banking members can use their mobile device to:

• View account balances
• View transaction history
• Transfer money between your VACU accounts
• Set up, view, pay and cancel bills
• Deposit checks using our Mobile App with Mobile Deposit

All terms and conditions applicable to online banking apply to mobile banking.

Yes, mobile banking features the same high level of online security as online banking.

• Your user ID & password are identical to your online banking account
• All communication between VACU and your device is encrypted by industry-standard 128-bit SSL encryption
• Your mobile device will disconnect from mobile banking after 5 minutes of inactivity

Still, you must follow reasonable security precautions. Like any computer, your web-enabled mobile phone or device is susceptible to viruses, malicious sites and applications. Please use the same caution when opening emails, clicking on links and surfing the web with your phone as you do with your computer. Learn more about Mobile Phone & Mobile Device Security.

You can access mobile banking from any Internet-enabled mobile phone such as most WAP (Wireless Application Protocol) phones, PalmOne OS devices, or Pocket PCs. Apps are available for Apple® iPhone, iTouch and iPad as well as Android™ phones and tablets.

Note: the device must be web-enabled.

Yes, up to 15 mobile devices can be registered with VACU mobile banking. Contact Member Services at 804-323-6800 or 800-285-6609 if you would like to access your accounts with additional devices.

VACU does not charge any fees to use mobile banking. However, your wireless service provider may charge additional fees for internet access and/or for the bandwidth used. Contact your wireless service provider to get more details on the actual cost of using your device to access the internet.

Yes, joint owners can access their joint accounts. Each owner must be individually enrolled in online banking and enroll their respective devices using their own online banking user ID & password.

Most likely your account has been locked by exceeding the allowed number of login attempts. To correct this problem you'll need to call Member Services at 804-323-6800 or 800-285-6609 to reset your password over the phone.

This message may show up on some phones because of the browser. You can verify the security certificate is ours to be sure you are visiting the correct site. Once you have done that, you can click “accept” or “continue” and mobile banking should continue to load just fine.

Make sure your phone’s browser settings has style sheets and image backgrounds enabled. Some phones disable these features by default.

Immediately log into online banking from your PC and change your account password. Your old password will no longer work, so even if it is known by the person who finds your phone or you have saved the password in your device, you will be protected.

Other steps to take include:

• Reporting the loss to your phone carrier and ask them to disable the old phone.
• Contacting VACU Member Services at 804-323-6800 or 800-285-6609 to let us know about the loss. We can discuss additional security options with you at that time.

And as always, whenever there is a possibility of unauthorized access to your account you should watch your account closely to insure no unauthorized transactions appear.

Yes. You should use the generally accepted security practice of “wiping” your mobile device before it is disposed of or recycled. Check with your device manufacturer or carrier for procedures specific to your device.