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Online Banking FAQs

How do I enroll in online banking?

Enrolling takes just three minutes and is fully secure. You will need your Social Security Number and member number, and you'll be asked a few security questions. Once enrolled, you'll have immediate access to your account information within online banking. You can also activate Bill Pay and eStatements once you have logged in.

Once I enroll, how do I log on to online banking?

To log in from your desktop computer, click on the online banking login button located in the top right of the website. This button will appear on every page of

olb login in on a desktop computer

To log in from your mobile device, click on the menu button in the top right corner of The site menu will display, where you can find the online banking button to log in.

login in to online banking on a mobile phone or tablet

Enter your User ID and password, then select the phone number where you'd like to receive your authentication code. We’ll send the code to you through a call or text.

Input the code you receive, set up your challenge questions, and then we’ll give you access to your accounts. We’ll be sure to save whichever device you’ve logged in from, so you won’t have to authenticate from that device again. If you log in from a new or unrecognized device (phone, tablet, or computer) or a different physical location, you'll be prompted to enter a code again.

What if I forgot my User ID?

No problem! When you go to log in, just click "Forgot User ID?" and then fill in your email address, Social Security Number, and date of birth. We’ll send an email with your User ID to the address we have on file.

What if I forget my password?

You can reset your password by using the 'Forgot Password' feature on the password screen.

  • Step 1: Click on the online banking button on and enter your User ID.
  • Step 2: On the password screen, click on the 'Forgot Password' link just above the password field.
  • Step 3: Enter your email1 and click the “Submit” button.

  • Step 4: You’ll receive an email with your Password Reset Code.

  • Step 5: Enter your Password Reset Code and follow the prompts to reset your password.

  • 1 For your account security, we will need to collect more information associated with your account if we are unable to validate your email. Please have your member number available.

I’ve been locked out of online banking. Why did that happen and how do I get back in?

If you have entered your online banking password incorrectly five times in a row, the system will automatically lock you out. This is a security feature that helps protect your account from unauthorized entry. You will need to call Member Services at 804-323-6800 to unlock your account.

What types of transfers can I make?

Immediate — the transfer is attempted immediately

Future-Dated (One Time) — transfer is made on the date you specify

Recurring — transfer occurs at your specified frequency as many times as you indicate

How do I know if a transfer is successful?

If the transfer was successful, you will see a screen message that your transfer was successful and the transfer will appear in the Transfer Activity listing. Your account balances will also reflect the changes. You will receive a confirmation number with each transfer.

I’m a new member or I just recently added an account, why can’t I transfer to my account(s)?

New accounts will be in “view-only” mode until validated by VACU. This process usually takes 1-2 business days.

Will I be able to download information to Microsoft Money or Quicken?

Yes, you will. You will see the download links on the Account Activity page. You also have the option of downloading your information into an Excel spreadsheet.

Can I make payments to my VACU loans?

Yes, you may transfer funds from your VACU checking and savings accounts to your VACU loan accounts. In addition, you will be able to make additional principal-only payments for many types of loans.

Who should I contact if I need help?

Please contact Member Services at 804-323-6800 or 800-285-6609.

How can I increase my security while banking online?

We do everything possible to provide secure transactions. Here are several ways you can help:

  • Keep your password confidential
  • Change your password often, at least every 180 days
  • Keep your browser software up-to-date
  • Use virus protection on your computer and update it frequently
  • Don’t leave your computer unattended while logged into online banking

Additional information about online security is available in our Security Center.

Are there additional information security measures in place?

VACU uses the latest Internet security technology and techniques to help ensure that your information is as secure as possible. These techniques include user authentication, data encryption, and the use of secure servers. Secure Socket Layer (SSL) protocol is used to encrypt sensitive data prior to transmission over the Internet.

Which web browsers work best?

For optimal viewing, functionality and security, we recommend using the most recent version of a supported browser.

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