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Responsive Web Upgrade
Same Day ACH Changes


The updated, mobile-friendly secumd.org is here!

SECU’s website is now responsive. This means you can easily access all SECU web pages, regardless of the device you’re using, be it a PC, laptop, tablet or smart phone.The updated website detects the device you are using and "responds" to the screen size.

You’ll notice a few other updates too, including a refreshed home page and simplified navigation. These improvements have no impact on your accounts or online/mobile banking. Online access to your accounts is not changing.

Frequently Asked Questions - Responsive Web Update

Q: What does “responsive” mean?

A: A responsive website detects the device being used (such as a PC, tablet, or smart phone) and adapts the web pages (responds) to that device.

 

 

Q: What’s changed from the previous version of the website?

A: Content (information, images, etc.) on SECU’s website, www.secumd.org, will become more legible and easier to view on mobile devices. The home page has been updated to accommodate this upgrade. Home page changes include:

  • More prominent promotional banners
  • Updated Online Banking login section
  • More prominent account opening and loan application access (next to login section)
  • A new “Featured Products” section, for quick access to primary banking and loan products
  • Temporary removal of the “Rates” section from the desktop version of the home page (Don’t worry, they’ll be back). You can still easily find our rates from the “Rates & Calculators” link at the very top of the page.

Other upgrades include a streamlined header (top of all pages) and a more comprehensive footer section (bottom of all pages).

 

Q: Why are you making this change?

A: Our members expect a mobile-friendly web browsing experience, as more and more use their mobile devices to access information about SECU’s products and services. This upgrade addresses that expectation.

 

Q: How does this affect me or my SECU account(s)?

A: Your mobile web browsing experience on secumd.org will be much improved, with no need to adjust the screen. The browsing experience on a desktop computer is also improved, with an updated home page and streamlined navigation.

 

Q: Is the site secure?

A: Yes. The website security features are not impacted by this upgrade. The website continues to utilize the https protocol (https://www.secumd.org) where the “s” stands for “secure”. This means all communications between your browser and the website are encrypted.

 

Q: Does this affect Online Banking or the Mobile Banking app?

A: No. This change in no way impacts Online Banking or Mobile Banking.

 

Q: Is there a different website for mobile devices?

A: No. The website and URL (https://www.secumd.org) is the same, regardless of the device being used; desktop computer, laptop, tablet or smart phone.

 

Q: How is the website different from desktop to mobile?

A: On the mobile (smart phone) version, information and images on each web page are re-sized in order to accommodate the smaller screen size. Additionally, the site navigation shifts from the top of the page on desktop computers to a condensed menu (three horizontal lines: ) at the top right corner of on mobile devices.                            

 

Q: What is a “hamburger menu”?

A: The term “hamburger menu” refers to the three horizontal lines () in the upper right corner of the screen on mobile devices. This is the mobile site navigation menu. It’s called “hamburger” because the three lines resemble a hamburger sandwiched between two buns.

 

Q: What if I have questions?

A: Members can email us and find our phone numbers on our Contact Us page.


Same Day ACH and the Impact to Members

Some of your electronic payments may soon begin posting to your accounts faster! This is because beginning September 15, the Federal Reserve will roll out improvements to the speed and efficiency of electronic payment processing. These improvements are known as “Same Day ACH-Debit.”

“ACH” stands for the “Automated Clearing House,” which is the network that moves money between banks. Examples of ACH payments include any time you provide your checking or savings information to pay bills electronically. Typical ACH payments include utilities, health club dues, credit card providers, etc.

Some other payments that you may not think of as electronic but may actually be ACH include the following:

  • Paper checks written to merchants such as grocery and big box stores may be converted to ACH debits. If so, these checks can post and clear on the same day.
  • Debit cards from retailers (such as Target and Royal Farms) that link to your checking account and use the ACH process. If so, they can post and clear on the same day.

You may be used to ACH payments taking a day or two to process, so please be aware that some of these payments may post to your accounts on the same day they are made beginning September 15. If a sufficient Available Balance is not present in your account to cover an ACH, you will be charged an NSF fee.

This change is industry wide. The new processing times are a result of the ACH network being made faster and more efficient. All banks and credit unions will be adjusting their processing accordingly.


Frequently Asked Questions - Same day ACH

Which ACH payments are eligible?

Nearly all ACH payments will beeligible. These include both ongoing payments (e.g. a monthly debit for your utility bill) and one time payments.

The only payments not affected will be international transactions and transactions above $25,000.

Will all online payments be processed same day?

No. It depends on the decision of the institution being paid. There is a cost to sending payments for same day processing.

For example:

  • A major utility may decide it is cost effective to elect same day ACH processing. Members making ACH payments to that utility will see their payments post and clear same day.
  • Alternatively, a local health club may decide that it is not cost effective to elect same day ACH processing. Members with ACH payments to that health club will not see them process same day.

Will SECU Debit Card payments clear my account faster?

No. SECU’s Debit Card transactions do not follow the same process as ACH payments. They will not be affected.

However, some Debit Cards from other institutions that link to your SECU account (such as debit cards from Target and Royal Farms) may follow the ACH process. If so, they can clear and post same day.

Will my SECU Online Bill Pay payments clear my account faster?

At this time, SECU’s Online Bill Pay process is not changing. However, this may change in the future.

Will paper check payments be processed faster?

In some cases, yes. Some merchants may convert paper checks to ACH for processing. Those can be affected by Same Day ACH. It depends on the institution processing your paper check.

Will payments for my SECU credit card balances be processed faster?

At this time, payments to your SECU credit card balance are not changing. However, this may change in the future.

What about Paypal?

  • Paypal debits to a SECU account are ACH debits. As such, they may affected by this new ACH payment processing schedule.
  • Paypal credit card payments are not ACH debits, so they will not be affected.

Will recurring payments be subject to Same Day ACH?

It depends on the insitution receiving the recurring payments. If they decide to process their payments using same day ACH, then the recurring payments will process same day.

Why is SECU doing this?

The ACH network (the National Automated Clearing House Association, or NACHA, manages the network) is making these changing to improve payment efficiency. The new schedule affects all financial institutions, including SECU.

Can SECU continue to process my payments according to the old schedule?

Whether a payment is sent for same day ACH processing is the decision of the institution being paid. It is not determined by SECU. SECU, along with all U.S. financial institutions, is required by NACHA (the manager of the ACH network) to accept same day ACH processing. Therefore, SECU is not able to retain the current debit clearing schedule.

Is SECU changing debit posting order?

No. SECU’s posting order remains the same. We batch process items in the following order.

  • Payroll
  • ACH credits
  • ACH debits (in order received)
  • Check debits (in order received) check debits (in order received)
  • Debit card debits (in order received)

However, we may now receive ACH debits more frequently throughout the day, and they may clear your account faster than previously.

What is SECU’s Overdraft Policy for ACH payments?

If an ACH is presented to your account and your Available Balance is not sufficient to pay the transaction, SECU will first attempt to make a transfer from a share savings and/or line of credit product if one has been set up as part of your overdraft protection options. If the Available Balance in your Line of Credit and/or Share Savings account is insufficient to cover the overdraft, payment of the item will depend on whether or not your checking account has Courtesy Pay.

Through Courtesy Pay, we may pay the item or return it unpaid at our discretion. Regardless of whether we pay an item or return it unpaid, we will charge an overdraft or NSF fee of $30.00. Although Courtesy Pay may allow you to avoid merchant return items fees, it is our most expensive option and should be used as a last resort.

How can I avoid ACH overdrafts?

You should only make a payment if you have a sufficient Available Balance in your account to cover the payment. Be aware that some electronic payments may post to your account on the same day they are made.

In addition, some payments that you may not think of as electronic may actually be ACH payments. These may include the following:

  • Paper checks written to grocery and other big box stores. These are sometimes converted to ACH payments. If so, they can post same day beginning 9/15/17.
  • Debit Cards from places like Target and Royal Farms that link directly to another institution’s checking account may follow ACH processing. If so, they can post same day beginning 9/15/17.
  • To help monitor your Available Balance, check through online or mobile banking. For more information on available balance and how to avoid overdrafts, see our Agreements and Disclosures document.