Online & Mobile Banking
Heritage Trust's Online and Mobile Banking products offer a variety of features. From Online Bill Pay
to eStatements, our services provide you with instant and secure access 24/7.

New Online Banking Login Requirements Mobile Banking
Register for Online Banking eNews
Online Bill Payment Online Banking Security
Transfer Funds Online Banking Demo

New Online Banking Login Requirements

The Federal Financial Institutions Examination Council (FFIEC) has issued new online authentication guidance for all federally insured financial institutions. Online authentication guidance is a process of verifying online banking users through multiple factors. Multi-factor authentication drastically reduces the risk of online identity theft and other online fraud.

Some examples of factors are:
  A knowledge factor, something you know (e.g., password, PIN, pattern)
  A possession factor, something you have (e.g., ATM card, smart card, mobile phone)
  An inherence factor, something you are (e.g., biometric characteristic, such as a fingerprint

The new Online Authentication Guidance addresses the need for risk-based assessments, customer awareness, and enhanced security measures to authenticate customers using Internet-based products and services that process "high risk" transactions involving access to customer information or the movement of funds to other parties.

As of October 2013, Heritage Trust members are required to answer these new challenge questions before any high risk transactions will be processed through Online Banking and BillPay.

"High Risk" transactions include:
  scheduling or editing an ACH or unlinked transfer
  Scheduling or editing bill payments through Online Banking and BillPay
  Updating user address or phone number within the Online Banking environment

If you have any questions regarding this new security requirement, please all our local
Contact Center at (843) 832-2600 or toll free at (800) 845-5550.


In an effort to strengthen the security and protection of the bill payment/account to account transfer functions in our on-line banking platform, our service provider has implemented additional challenge questions that may be asked each time you pay your bills on-line. These increased security measures are being mandated by the FFIEC (Federal Financial Institutions Examination Council).
The questions are knowledge based. That means they are based on “something you know”. You may be asked between 3 and 5 questions. If you answer a question incorrectly, you may have to begin the process again. The questions will change each time you log into the bill payment portion of on-line banking. These questions may appear to be “intrusive” on your personal life, and may reach back several years.

Please be advised that the credit union has no knowledge of the questions being asked and did not have any input regarding the variety or the content of the questions you are asked. Information to develop the questions is obtained by reviewing information contained in credit bureau reports, public records, and other public sources. We will not be held liable for the number or types of questions that are asked.

back to top

Online Bill Payment
With Online Bill Payment, you can save money on postage and gain more convenience and control over payments, eliminating room for errors and/or delays.


  • Option to set up manual and recurring payments
  • View current, future and past payments
  • Pay several bills at once
  • Schedule payments in advance
  • Notification email when a bill is processed.
To sign-up for Bill Payment, you must enroll in Online Banking, login and select "Pay Bills" in the top navigation.

back to top

Transfer Funds
Move money between Heritage Trust and non-Heritage Trust accounts or send money to family or friends anywhere in the United States.

With Transfer Funds you can set up one-time or recurring transfers between your Heritage Trust checking or savings account and other financial institutions. A HT checking, savings or money market account, ABA/Routing number and Social Security number are required.

To sign-up for Transfer Funds, you must enroll in Online Banking, login and select "Transfer Funds" in the top navigation.

back to top

eStatements (electronic statements) take the place of traditional paper monthly or quarterly account statements. eStatement notifications eliminate waiting and concern over lost, stolen or slow mail and can be viewed and printed online through our secure web site.

When a new eStatement is available, you will receive a notification email.


  • eStatements are the quickest way to receive statements (printing and postal time are eliminated)
  • The same security features that protect member account information protect member eStatements
  • Access and view eStatements from the Internet anytime, anywhere.
To sign-up for eStatements, you must enroll in Online Banking, login and select the "eStatement" option in the top navigation.

back to top

Mobile Banking (
With Heritage Trust Mobile Banking you have immediate access to your personal financial accounts from any web-enabled mobile phone. 

  • Review current account balances, transfer funds between accounts and pay bills
  • Locate a Heritage Trust Branch or ATM
  • View current rates.
Getting Started:
  • To access Mobile Banking, you must first enroll in Online Banking
  • From your web enabled mobile device, access the Internet and go to the Heritage Trust Mobile Banking homepage by entering, or download our mobile app:


  • Enter your online banking User ID and password
  • Select "login" and you will see a list of your Heritage Trust accounts
back to top

Heritage Trust’s eNews provides members with timely and informative updates. The eNews service offers members special updates and messages sent via email, including topics such as:
  • Announcements for new products, rate information, branch openings
  • Current promotions, special rates, sponsored events
  • Security, fraud and consumer alerts.
Sign-up for eNews

back to top

Online Banking Security
One of the basic tools used to ensure Online security is encryption. Encryption involves exchanging numbers between the end user's browser and the Online Banking server. The numbers act as keys to "unlock" the connection between browser and server, much like numbers on a combination lock. The higher the number of combinations, the less likely it is that an outside party could decipher the key and access sensitive information.

It is also important to verify that only authorized users log into the Online Banking system. We use password verification, a site security image, and Multifactor Authentication (challenge questions) to ensure user authorization. For added security, if a password is entered incorrectly three times, we automatically lock the Online Banking account.

We also "time out" an Online Banking session after 20 minutes of inactivity. This keeps others from viewing or continuing Online Banking activity if you leave your computer unattended.
Online Banking utilizes multiple layers of encryption, screening and firewalls between your data and the Internet, thereby preventing unauthorized access. All of our systems are secured with multiple layers of encryption, firewalls, screening, and filtering routers.Always log off or close your browser window when you are finished with any secure online session.

Heritage Trust wants your online banking experience to be satisfying and hassle-free. If you have comments or questions about your log-in password, browser compatibility, or any other user issues please call our Contact Center.

Supported Browsers   General Precautions

back to top

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.  
Privacy Notice I 3rd Party Disclosure I Legal Disclosures

© 2011. Heritage Trust Federal Credit Union. All Rights Reserved