Signing on to C.U. Online for the first time

The process for setting up your C.U. Online account is a bit more complicated than it was with the old system. This is the result of added security on the new system that was put in place to protect your account from hackers and ‘phishers.’ Before you begin, visit any branch of the credit union and ask for a C.U. Online Application. Once your application is received and processed, your online account will be activated.

The C.U. Online sign-up process involves several steps.

Page 1

On the first page you are asked for you user name.

Page 2

You are asked for your password. The passwords for the new system are NOT the same as the old C.U. Online. Contact any branch of the credit union for default password information.

Page 3

The next page allows you to select a passmark image. This images is shown to you every time you log on to prove to you that it is the real C.U. Online system you are connecting to. If a bogus hacker or phisher tries to duplicate our webpage in order to steal your account information, that site will not know which passmark image you selected and won’t be able to show it back to you. So when you see your passmark image during log on, you can be comfortable that you are connecting to our legitimate C.U. Online server.
Click on one of the pictures (use ‘Select an image category’ or the ‘next’ button to see more pictures) then click on ‘Continue’ at the bottom of the page.


Page 4

On the next page, you will be shown the passmark image you selected, then asked to type in a passmark phrase. Think of this phrase as a caption for the passmark image. It will be displayed under the image every time the passmark picture is shown as further proof that it is our server you are connecting to.
Next on this same page, you will be asked to select three challenge questions and their answers. For each of the three questions, you can select a question that is easy for you to remember then type in the answer. These, along with the password, will help us confirm that you are who you say you are when you log onto the system. (Once you get things set up on your home computer, you won’t be asked these questions often, but if you log on from a different computer you may see them pop up as an added safety measure.)
The last item on this page is Computer Registration. This is a way to tell the system if you are logging on from your home computer (so it remembers some of your settings) or if you are logging on from a public computer (so it will ask you a challenge question every time for extra security).
When done with this page, click ‘Next.’
The next page will show you your passmark image, your passmark phrase, and the questions and answers you selected for the challenge questions. After reviewing this, click ‘Finish.’ You will now be logged in to your account.

The next time you log in, now that things are set up:

Page 1 will ask for your user name (your account number).

Page 2 will show you your passmark image and passmark phrase. If these are correct, enter your password and click ‘Login.’

If you selected ‘This is a public computer’ during the setup, you will also be asked to answer one of the challenge questions.

Once you are logged into your account, you can change your password or change your passmark settings via one of the menus on the left.

IF things go wrong and you get locked out:

Call the credit union and request that your account be reset.

We can also change your password back to a default password (you will be asked for identification before we can do this) AND we can totally reset all the information you selected as part of the Passmark setup (image, passmark phrase, challenge questions) so you can go through the setup process again.

C.U. Online Features and Policies

Making River Valley Credit Union transactions with your home computer.

C.U. Online:

River Valley Credit Union’s C.U. Online home teller service  allows members to transfer funds within their own accounts or joint accounts. 
  • 24-hour access to your account
  • Ability to print statements on your own accounts
  • Ability to view and print copies of your checks that have cleared…free!

C.U. Online Charges: All monthly charges for C.U. Online have been waived by the River Valley Board of Directors.

Please visit any River Valley Credit Union branch for a C.U. Online application form.

Bill Pay Features:

  • A bill paying service that clears through your checking account
  • No checks to mail out
  • Bill payer transactions cost less than a postage stamp
You must have a share draft (checking) account at River Valley Credit Union.  Any member in good standing who is current on their loan(s) and has a good credit history with the credit union. A credit report may be required.
Share Draft Card Policies:
Because bill paying transactions are listed on your checking account statement, it is the intention of the credit union to apply all share draft (checking) account policies to your bill paying service. This includes overdraft charges, overdraft protection, etc. (See share draft policies.)
Member Responsibility:
It is the member’s responsibility to know if there are sufficient funds in their share draft (checking) account to cover bill paying transactions. An application for overdraft protection may be completed by the member. (See share draft policies.)
Bill payer transactions:
$2.00 basic bill payer usage charge per month
$0.39 cents per bill payer transaction
$20.00 per stop payment
$18.00 per error transaction reversal
Enroll in Bill Payer today, at

Using C.U. Online to transfer money to a different account

C.U. Online can be used to transfer to an external account. Once you set up the transfer account the first time, it will show up in your transfer list for all future transactions. To set up an external transfer account, you will need:

  • C.U. Online access to your own account.
  • The account number of the account you are transferring to.
  • The account holder’s last name.
  • The suffix of the account you are transferring into. (The one- or two-digit number that shows up at the end of the account number in the account list.)
  • Whether the account you are transferring into is a loan account, or a savings account.

How to set up transfers:

  1. Log on to C.U. Online into the account you are transferring FROM.
  2. Click on ‘Account Transfers’ on the left menu
  3. Click on ‘Enter Transfer’
  4. On the transfer page, click the link titled ‘Manage External Accounts’ (about halfway down on the page).
  5. On the next page, click ‘Create a new transfer account.’
  6. On the ‘Create Transfer Account’ page, enter:
  • Account Number (The account number you enter must be in a special format. See the bottom of this page for details.)*
  • Account type (for the account receiving the transfer) from the dropdown menu
  • Account Holder Last Name (for the account receiving the transfer)
  • Description (the name you will see in the transfer list. Can be almost anyting EXCEPT the account number)

Once the transfer account is set up, you will see it available on your ‘To Account’ list on the transfer page. (Note: You must first select a ‘From’ account before the available ‘To’ accounts show up in the transfer list.)


*The account number entered in the External Account setup page must be in the format #####-LSS where:

  • ##### is the account number
  • separates the account number from the account type
  • L is the account type (L=Loan or S=Savings)
  • SS = the one or two digit account ‘suffix’ of the remote account.


  • To transfer money into a loan type account with the suffix number 10 in account 123456, you would enter the account number 123456-L10.
  • To transfer into a savings account, suffix 3 on account number 24680, you would use the account number 24680-S3


How to get C.U. Online account history into Quicken

  1. Log in to C.U. Online and view the history of the account you would like to import into Quicken.
  2. Select the history range you wish to download.
  3. Select the file type of “Quicken.”
  4. Click on the download button. You may need to respond to a security warning to allow the computer to download the file.
  5. A box should pop up asking whether to ‘Open’ or ‘Save,’ choose ‘Save.’
  6. Save the file on your computer where you will be able to locate it later. Example: under “My Documents” or “Desktop.” You can create a new folder just for the downloaded files. Make a note of the file name and where it is saved. You will need to know this for step 4 below.
  7. Open Quicken.
  8. From within Quicken:
    1. Back up your existing Quicken data file. (See the Quicken documentation or help file for instructions.)
    2. If the account you want to import data into does not yet exist, create a new one.
    3. Select the File menu and select ‘Import > WEB Connect file.”
    4. The Location of QIF file field displays the preset path of the import file.
      • Click Browse if you have saved the file to a different location than the one shown.
      • Use the file navigator to locate the file that you downloaded in step 6 above.
      • Select the download file then click “OK” to return to the QIF Import window.
    5. In the “Quicken account to import into” list, select the account you want to import the QIF file into. This list is limited to accounts that can import QIF files. QIF import is not available for savings, or credit card accounts, or for 401(k) or any other brokerage accounts.
      Note: To import a list such as the Category List, you must select a valid account.
    6. In the “Include in import” field, select the check box items you want to include in the import process.
    7. Click Next, and follow the on-screen instructions.


You can import from lists without importing the transactions at the same time. This is a useful feature when you are setting up a new data file.

Further help can be obtained from Quicken’s web page…

Having trouble logging in to C.U. Online?

If your account with C.U. Online becomes locked out or you forget your password and/or login information please call any of our branches or our operations center at 802-254-4800 and we can assist you in getting it working again.

There are security measures in place within C.U. Online that allow you to attempt your password and answers to security questions three times before your account becomes locked and/or disabled.  If this occurs to you when using C.U. Online please contact us so we can assist you.  For your protection and security there is not a time elapsed option for having your account become unlocked.