How do I enroll in Bill Payer in the new Online & Mobile Banking experience?
To enroll in Bill Payer, simply select the ‘Bill Payer’ option from the main menu and start adding your billers to schedule payments immediately.
How do I manage Card Controls in Online & Mobile Banking?
Using Card Controls with your Freedom Credit Union debit or credit card can provide you with peace of mind and help you secure your financial information. You can easily lock or unlock your card, set travel notices and card alerts, and more, all with just a few clicks or taps.
To access these controls, log in to your account in Online & Mobile Banking. If you are not registered for Online & Mobile Banking, you can enroll here.
- Select the account the card is associated with from the menu. Debit cards are attached to checking and savings accounts, Freedom Credit Union credit cards are listed under Loans & Credit.
- Look for the Card Services tab, located directly above transaction information for that account.
Note: If you do not see the Card Services tab, check the account you are accessing. Debit cards are only connected to checking and savings accounts. They are not connected to other accounts such as High Yield Savings or Certificates.
- You will now have the option to lock and unlock your cards, report your card lost or stolen, set up travel notices, and more.
I’d like to inform Freedom Credit Union that I will be traveling to ensure my cards or transactions are not blocked, can I do that in Online & Mobile banking?
Yes, select ‘Travel Notices’ from the ‘Card Services’ menu to inform the credit union of your travel plans. You can select your start and end date, which cards you would like to include as well as destination and if Domestic or International travel. You can also manage your scheduled travel notices from this screen.
Can I report my debit or credit cards lost or stolen in Online & Mobile Banking?
You can report your Freedom Credit Union debit and credit cards lost or stolen by accessing the Card Services menu from the account dashboard in Online & Mobile Banking.
Select the account the debit card is attached to, or your credit card account
Tap the Card Services icon, then Report Card Lost/Stolen
You may request a new card to be sent automatically
You can also temporarily lock your card to prevent unauthorized transactions by using the toggle switch.
How do I activate my card in Online & Mobile Banking?
It’s easy to activate your card, simply follow the steps below. Please note that the activation button will only be displayed for cards that are eligible to be activated.
Debit Card – select your Checking account and choose ‘Card Services’.
Credit Card – select your credit card and choose ‘Card Services’.
How do I view eStatements and eDocuments in Online & Mobile Banking?
eStatements, Billing Notices, and all additional Documents are accessible through the ‘Documents’ link under ‘Quick Links’. You can also access by choosing ‘Documents and Statements’ from 3-dot ellipses menu for additional items. You can manage your Preferences and turn off paper statements to save $2.00 per month statement fee.
To manage your paperless settings, please follow these steps:
Select ‘Documents’ from the Quick Links menu on the Dashboard in the desktop experience.
Choose ‘Paperless Settings’ from the menu.
For Mobile Banking, choose ‘Paperless Settings’ from the Documents and Statements menu.
How old do I need to be to use the Credit Scores feature?
We do not obtain the credit report of any user who is less than eighteen (18) years of age.
How do I manage Overdraft Protection and Courtesy Pay options in Online & Mobile Banking?
You can manage both your Overdraft Protection and Courtesy Pay options in Online & Mobile Banking.
From the 3-dot ellipses menu, choose ‘Overdraft Protection’. You are able to select Overdraft Options for your accounts as well as opt in or out of Debit Card Courtesy Pay.
What phone number is associated with account alerts and secure access codes from Online & Mobile Banking?
There is currently only one phone number that Freedom Credit Union will use to send you alerts or Secure Access Codes. We encourage you to add this number to your contacts as the alerts and validation codes are issued. The phone numbers is: 877-757-0363
I’d like to add a temporary address to my account; can I do that in Online & Mobile banking?
Yes, you can manage your mailing address and change from your Profile, under your login icon image. Then select ‘Address’ from the User Settings menu. Please note that you will need to change the address back once the desired timeframe has completed.
Am I able to set up additional authorized signers to access my business account online?
All authorized signers can register for Online & Mobile Banking access on their own. If you have other employees you would like to provide access to Online Banking, you can set them up by selecting ‘Manage Users’ from the menu.
Can I pay bills through the Mobile App?
Yes, by using our ‘Bill Pay’ service, which is in the menu of our mobile app. From Bill Pay, you can pay bills, manage existing billers, add new ones, and check past payments.
Can I deposit checks using the mobile app?
Yes, by selecting ‘Deposit’ in our mobile app. Mobile Check Deposit allows you to deposit an unlimited number of checks and/or money orders per week (up to $5,000) using your mobile device by taking a picture of a check.
Can I contact Freedom Credit Union inside the Mobile App?
Yes, you can chat with a live agent by selecting ‘Chat.’ You can also send us a secure message by going to the ‘Messages’ section of your profile.
Can I access e-Docs inside the Mobile App?
Yes.
In desktop, click on “Documents and Statements” from the main navigation within Digital Banking.
In the Mobile App, click on the menu icon and click on “Documents and Statements”
Hide an Account
Tap the pencil icon next to your profile name and picture on the app home screen.
Tap the eye icon next to the account(s) you want to hide, then hit Save. That’s all there is to it. Your chosen account is now hidden.
Add an External Account to View
-Tap Connect below your accounts on the home screen.
If you haven’t enabled the Account Aggregator tool yet, you’ll be greeted by a screen to activate the feature.
Tap Get Started on the “Link Your Accounts” page. (For subsequent accounts to link, this step will not be required.)
Select your external institution.
Enter your login credentials for your other institution and press Submit.
To authenticate your account, enter the security code you receive by text, email, or voice message.
Link the external account(s) you want to view from Freedom Credit Union’s digital banking.
What’s the difference between my “current” and “available” balance?
-Great question. “Current balance” is a compilation of credits and debits (incoming and outgoing funds) that are moving throughout an account at any given time. Pending transfers or payments that haven’t been fully processed may be listed in your transaction history but won’t be reflected in your current balance. “Available balance” is how much you currently have in your account minus pending payments and deposits and is a more accurate reflection of the money available to use.
When you log in to digital banking on a desktop computer or the app, the available balance on your cash accounts (checking, savings, etc.) will show up in bold on the left with your current balance in smaller type. For lines of credit (HELOCs, for example), the current balance will appear in bold and available balance in smaller type.
How can I help ensure a successful mobile check deposit?
Before making a mobile deposit in digital banking, be sure to endorse the back of the check with your signature and “For Mobile Deposit at Freedom Credit Union.”
Then follow these guidelines when taking a picture of the front and back of a check:
Hold the camera parallel to the check and frame it within the borders on the phone.
Make sure the background is a dark, consistent color without patterns or obvious texture. Marble or wood-grain tabletops have been known to cause issues. If the table surface is not a contrasting color, place a dark or contrasting sheet of paper below the check.
Turn off the flash on your camera.
Lay the check as flat as possible with no folds.
Where to access Secure forms
– Log in to the website
– Click the 3 dots on the top menu bar
– Select secure forms
You can click on the secure form you would like to use.
You can also view previous forms used under “Secure Form History”
Set up Direct Deposit through online banking
- How do I set it up?
Log into your financial institution’s app, select “Set up Direct Deposit” (often under “Transfer & Pay”), search for your employer, and log in with your payroll credentials.
- Is it secure?
Yes, Freedom Credit Union uses encryption and connects directly to payroll providers to facilitate the switch.
- What if I can’t find my employer?
If your employer isn’t listed, you can often use your account and routing numbers to set up the deposit manually.
- Can I split my paycheck?
Yes, you can choose what percentage or amount of your paycheck goes into your account.
- How long does it take?
The process generally takes a few days.
- How do I cancel?
To cancel, you must contact your HR department or your payroll system directly; Freedom Credit Union does not directly cancel them.
- Can I use it for multiple accounts?
Yes, you can manage and update multiple direct deposits.
Supported Systems and Browsers
| Vendor | Device Operating System | Browser |
| Microsoft | ● Desktop
○ Windows 10 v 22H2 or higher ○ Windows 11 or higher ● Mobile ○ N/A |
● Edge (last two versions) |
| Apple | ● Desktop
○ Mac OS 11 or higher ● Mobile ○ iOS (last two versions) |
● Safari (last two versions) |
| ● Android (last two versions) | ● Chrome (last two versions) | |
| Mozilla | ● N/A | ● Firefox (last two versions) |
Certain technologies used in our site to deliver the content and enable activities in the Lumin site are more restrictive in their OS support than others. Because of these restrictions, we can support only the last 2 releases of browsers and operating systems.
- Android generally only supports the last 3 releases, with the oldest getting security updates only
- iOS users are generally forced to update to the most recent version.
-iOS Download Restrictions
Lumin currently will only be allowing app-downloads for users with iOS supported versions. Users with unsupported versions can keep the app they have, but downloading an update or new app will require updating their iOS version to the latest supported versions.
-Android Download Restrictions
Lumin will not allow downloads for users on Android 9 or below at this time. While we will still allow downloads and updates to users with Android 10 and above, there may be issues with usage on the site that we have not yet identified. Please note we are not supporting Android versions beyond the last two available.
– 3rd Party Partners
With the flexibility of Lumin to enable 3rd Party partner services, the overall OS and Browser requirements may vary depending on the 3rd Party Services integrated with Lumin and their minimum requirements. When communicating to members about minimum system requirements, please be sure to communicate the most recent minimum requirement for the overall platform.
In addition, JavaScript must be enabled, web extensions should be disabled, ensuring the most optimal experience.
Lumin Digital is continually upgrading online services to provide the most valuable and secure online access. As new features and enhancements are added, updates to this support policy will be provided, which may require upgrades to browser versions, device operating system and/or to Lumin Digital’s Mobile app to ensure security settings are up to date.
In some circumstances, certain browsers and software may be blocked from accessing Lumin Digital Banking and Lumin Digital Mobile to mitigate security risks. While Lumin Digital will publish notifications in advance regarding changes to this policy whenever possible, Lumin Digital reserves the right to block certain browsers, devices, and software to protect the security and confidentiality of information and may not provide advance notice.
Lumin Digital’s minimum encryption requirement for accessing financial institution account(s) online is TLS 1.2 protocol with forward secrecy and 128-bit (or higher) encryption ciphers, which are the supported defaults for these operating systems, browsers, and versions.
