Why is the Credit Union upgrading Home Banking?

We are upgrading to make your Home banking experience more enjoyable and user friendly. The upgrade will have several new features such as:

  • The ability to transfer funds to and from an account at another financial institution
  • Two-Factor Authentication
  • Upgraded Bill Pay
  • Pay others via text message
  • Ability to make loan payments from another bank or credit union
  • And much more!

USER ID: If you previously were enrolled in home banking prior to 04/23/19 your User ID will be the same.

If you are a new user or have not logged into Home Banking within the last six months, you will need to contact a credit union representative at 804-355-9684 to receive your User ID and password.

Once you login to home banking you can change your User ID under the profile settings. The user ID should never be an account number or social security number.

PASSWORD: If you are logging in for the first time since our conversion on 04/23/2019, your User ID will be the last 6 of the primary account holder’s social security number. If you have never logged into Home Banking, you will need to contact a credit union representative at 804-355-9684

SECURITY QUESTIONS: You are required to pick five security questions during the initial Home Banking setup. These questions will be used in conjunction with the two-factor authentication.

Tips for making secure answers:

  • Safe (Pick a response that can’t be easily guessed or figured out)
  • Stable (The response is constant and does not change)
  • Memorable (Something you won’t forget)
  • Simple or Definitive (Something that requires a specific answer)

Avoid picking answers that are known to your friends and family or can easily be found on google or a social media site such as Facebook. You should also avoid answers that have less than eight characters or ones you will not be able to remember.

PASSWORD TIPS AND REQUIREMENTS: Make a secure password that includes lowercase and uppercase alphabetic characters, numbers and symbols that has not been used previously.

Always protect your User ID and password. If you give out your logon information you could be subject to an account take over or scam. If you believe your Home Banking has been compromised, contact the credit union immediately.

NEW ENROLLMENT: If you are a new Home Banking user or have not logged in within the last 6 months you must contact a representative at 804-355-9684 to obtain a User ID and password.

Identity Verification:

What is it? A form of two-factor authentication that allows you to conveniently access your Home Banking by receiving a text message or phone call containing an access code.

How to set it up: You will be required to select or enter a phone number during the setup process as part of the identity validation. If the phone numbers are incorrect, you will be able to update them under the profile settings tab once you have successfully logged in. We recommend that you use a mobile phone number so you can securely access Home Banking anytime. Listing a home or work phone number may prevent you from accessing your account if you are away from your home or work.

Having issues receiving alerts: Access codes are sent as a “premium alert” which is not allowed by all cell phone plans. You can contact your service provider (Verizon, AT&T, T-Mobile) to see if they can allow premium alerts or you can choose to receive your access code by receiving a phone call rather than text message. Currently, the alerts are only available when you access the Home Banking via the web and will not work with the mobile app.

Having trouble logging in?

Excessive login attempts: After three consecutive login attempts your account will be locked. If you have previously logged into home banking on or after 04/23/19 then you can use the “Reset Password” feature or contact a credit union representative. If you elect to reset your own password, you will be required to enter a new password, one that has never been used in the past.

Inactive user: If you have not used home banking within the last 6 months or are a new user you need to be enrolled or re-enrolled by contacting a credit union representative or visiting our local office. Home Banking is restricted after 6 months of inactivity to prevent account take overs.

Why do we lock your account after three unsuccessful login attempts? The account is locked to prevent hackers or unauthorized users from accessing your account and personal information.

Why am I unable to use the “Reset Password” feature? To utilize this service you must first setup your security and login questions. The service will also not work if you have not provided us with updated and accurate contact information such as your primary email address.

Attempting to login between Midnight and 6 AM: Our system updates occur during this time period and may prevent you from accessing your account information.

Unable to pass Identity Verification: If you unable to complete the Identity Verification process, please contact a credit union representative or visit our office during normal business hours.

Other login Issues: If you are experiencing other issues such as accounts not displaying properly, please contact a credit union representative during normal business hours.

Click here for Password Reset

Mobile and Tablet App

How to download the Mobile App: To download the mobile app, simply log into the app store and search for Credit Union of Richmond using your Apple or Android device.

What features are available on the Mobile APP? Currently the following features are available:

  • Account history, balances, pending transactions and check images
  • Internal and external transfers
  • Ability to send money to others and pay bills
  • Remote Deposit Capture
  • Instant Balance and password reset
  • Touch ID and Android Fingerprint Authentication

 Important Info

Lobby Hours:
Monday to Friday
8am to 4pm
Drive Thru hours:
Monday to Wednesday
8am to 4pm
Thursday & Friday
8am to 6pm
Loan Hours:
Monday to Wednesday
8am to 4pm
Thursday & Friday
8am to 6pm
(By Appointment Only
Thursday & Friday
from 4pm to 6pm)

Office: 804-355-9684
Fax: 804-355-9725
Priority Line: 888-427-9394

ATM VISA Debit Card:
Int: 614-564-5101
Pin Reset: 800-992-3808
Lost/Stolen VISA Credit Card:
Int: 301-837-8427

Contact Us by Email: