Mobile Access FAQ

+ What is Mobile Access

Mobile Access is our new Mobile App that allows you to check account balances, view transaction history, transfer funds, access Bill Pay, and view check images all from your mobile device.

+ What does it cost?

Quick Balance gives you the ability to view your available balances without signing into the app. This is an optional feature, and can be turned “on” or “off” in the settings options inside the app. You can select which share or loan balances you would like to include in your Quick Balance inquiry.

+ Do I have to sign up separately for Mobile Access?

If you are already using eAccess, you can use the same login ID and password for Mobile Access. If you do not have an eAccess login ID and Password, please follow these instructions:

  1. Download, complete and print the eAccess Request form.
  2. Forward the completed Request to the credit union.
  3. We will email you when your account is ready for you to login and access.
  4. Visit our website, www.voltcu.org, and click the login button and follow the prompts to complete your enrollment

+ Can I access multiple Volt accounts?

Mobile access has the capability to remember the User Name for multiple accounts. You will be able to select the user from a list and then input the applicable password for that account. The fingerprint login option is only available for one account, so although you can log in to multiple accounts from the same device, you can only choose one of those accounts to be accessed by fingerprint.

+ Can I log on with multiple devices?

Yes. You will be able to download and log in to Mobile Access on up to 5 devices. After that time, for your protection, you will be prompted to enter a PIN provided by email before you log in.

+ Why does my session expire?

For security reasons, your Mobile Access app session is automatically logged off after 5 minutes of inactivity.

+ What do I do if I get locked out or need to reset my password?

For your protection, if an incorrect password is entered multiple times, access to the Mobile Access app is disabled. To reset your password, please visit the eAccess link, Enter your user ID and click Submit. Click the "Forgot Password" hyperlink to the right of the password. Follow the instructions to reset your password. Or, you can call 417-862-0471 or 888-430-7199 to reset your password.

+ Is Volt Mobile Access safe?

Yes, Volt’s Mobile Access is safe. Mobile Access uses state-of-the-art security. You are protected in many ways, including: a Login ID and Password is required for access. Fingerprint & Retina Scanner identification features available on compatible devices.

All communications between your mobile device and Volt are 100% encrypted.

Additionally, no sensitive deposit information is stored on your device, including pictures of checks.

+ What accounts can I view/use with Mobile Access?

All checking, savings, loans and VISA credit cards on your membership will be viewable on the app.

+ I am getting an OFX error 15500: Invalid Sign-on

This message is displayed when your Mobile Access Account has not been set up, or when your login credentials have been entered incorrectly. Check the entry of your User ID and re-enter your password. If the error persists, contact us for further assisance (417-862-0471 or 888-430-7199).

+ What if my error/problem is not listed?

If the error you received is not listed, or you cannot resolve your issue, please contact us. Please note the number and description of the error you received, and what function you were attempting to perform when you received the error message. This information will allow us to assist you more quickly. For further assisance, please call 417-862-0471 or 888-430-7199.

+ How do I get the Mobile Access app?

Bill Pay on Mobile Access

+ What can I do with Mobile bill pay?

You can create or cancel a bill. You can view your bill payment history. You can view your payee list. And, you can view a listing of transactions made by month and by payee. It is a handy way to see if you paid a bill during any month.

+ How do I get signed up for mobile bill pay?

You must sign up for bill pay through eAccess. Sign into eAccess and choose the Bill Pay tab. You will be prompted to enter your email address and read and accept the Bill Pay disclosure form.

+ How do I setup Payees for Bill Pay?

You must login to eAccess to setup Payees through the Bill Payment option of online banking.

+ How do I view recent Mobile Bill Payments?

Mobile Bill Pay allows you to view your history from within the app. Open Mobile Bill Pay from within the Mobile Access app. Choose the bill payment history.

+ Can I cancel my scheduled payment?

Yes, you can delete/cancel any payment from within the Mobile Bill Pay, as long as it is done by 11:59 PM on the day before it is scheduled to be paid.

+ Can I edit a payment that is already created in Mobile Bill Pay?

No, you must delete it, and then add a new payment to make any changes.

+ What if I have a different question, or need to talk to someone about a problem I am having?

You can call us during normal business hours at 417-862-0471 or 888-430-7199.

Mobile Deposit FAQ

+ Who is eligible?

Accounts open for 30 days with average checking balance of at least $200 and with a checking account in good standing.

+ Why don't I have the Mobile Deposit option?

If you do not have a checking account, your accounts have not been open for 30 days, or you do not have an average checking balance of $200, you may not have the mobile deposit option.

+ How do I sign up?

If your account is eligible, you will automatically have the option to make a mobile deposit. If you feel that your account should be eligible, but do not have the option to make a mobile deposit, please contact Member Support through the secure message system or by calling (417)862-0471.

+ What are the deposit limits?

Deposit limits vary by length of membership and average checking deposit balance. Members will either have a $1,500 per check, $1,500 per day, and $5,000 per month limit, or a $3,000 per check, $3,000 per day, and $10,000 per month limit. Limits are subject to CFCU discretion and can be changed at any time.

+ Which accounts can receive deposits?

Share accounts and checking accounts can receive mobile deposits. Sub-shares cannot directly receive mobile deposits.

+ How should I endorse my check?

Sign the back of your check in the endorsement section, and directly below that, write For "Mobile Deposit Only" all on the same line.

+ Why must I endorse my checks "For Mobile Deposit Only"?

This endorsement reduces the chance that a check that is mobile deposited is also deposited in person at a CFCU branch, or another financial institution. Checks that do not include "For Mobile Deposit Only" on the back, all on one line directly below your signature, will be rejected.

+ How long should I keep my checks?

After you receive confirmation that your deposit has been accepted, securely store your check for two weeks. After two weeks, write void on the check, cross-cut shred the check, and dispose of the check.

+ What is the cutoff time for deposits?

7:00 PM Central, Monday through Friday. .

+ When will I receive my deposited funds?

You will receive either $200 or $1,000 credit on deposited checks per day immediately, based on your account limits. This amount will be indicated on the mobile deposit screen, and after a deposit is made, it will be indicated on the transaction screen. The remaining funds, if deposited before 7:00 PM, will be held for two business days. Funds deposited from 7:00 PM until midnight will be held for 3 days. All holds, and the date the funds will become available, can be viewed on the transaction screen.