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FAQs

1. What types of transactions can be done? You can use this service to make a payment to your loan at Har-co (any type of loan) or to make a deposit into your Checking account, Savings account or Money Market Checking account.
2. On the Welcome Screen, what member # do I enter? The member number entered on the welcome screen should be the membership associated with the TO account where the payment or transfer is being made.
3. Is there a cut-off time for transactions? No, the payment platform provides real-time payments 24/7/365.
4. Why does my loan due date still show after I have made my payment? Some loan due dates only update when the loan cycles (Example: credit card accounts cycle on the 28th of each month).
5. Can I transfer from an account at another financial institution? YES, you can pay your Har-co Loan or make a deposit into your Har-co Checking, Savings or Money Market Checking from any account.
6. Why don’t I see my Money Market account listed? Your Money Market account will be listed as a Checking Account and most of the time will display with an 85,86,87 as the account number listed.
7. Why do I need to register to make a payment? Registering provides the ability to save your payment methods and preferences, saving you time when making payments in the future.
8. Is there a charge for this service? Transactions using your bank routing number and account number processed on this portal are FREE. In addition, some loan payments can be made using a debit card. Debit card payments will have a fee of $7.00. (Payment limits are different for debit card transactions).
9. When should I expect the money to be debited from the account at the other financial institution? Though Har-co Credit Union has no control over the debit transaction posting date at the other financial institution, transactions are typically posted next business day but may be listed as held on the date of the transaction.
10. What happens if my payment is returned by my other financial institution? If we receive notification of non-sufficient funds or another return reason, we will reverse the payment transfer. You may be assessed fees by us, Har-co Credit Union, or your financial institution as the result of any returns or insufficient funds related to your FROM (source) account.
11. Is there a maximum or minimum amount to use this service? The minimum payment/transfer must be greater than $1.00, the maximum transaction limit for deposits is $1,000.00 and for loans is $5,000 using your bank routing number and account number or $3,000 using your debit card. (Commercial loans have different limits and can only be made with a bank routing number and account number).
12. Will I receive a tracking number or other reference? Yes, the screen will display a payment confirmation page with all the transaction information, including a confirmation number. In addition, you will receive an email with the transaction details.
13. Is my information stored? Account information is stored which simplifies the process and takes less time to complete a payment or transfer.
14. Oops, I made a mistake, is there any way to reverse this? You will need to speak with a contact center agent at 410-838-9090 to void a payment. Since the payments are real-time, the request to be voided must be completed by 4pm ET Monday-Friday and 11am ET on Saturdays. There is no charge to void a payment or transfer.