Digital Banking | Soarion Credit Union (2024)

Frequently Asked Questions

Digital Banking FAQs

To enroll in or register for Digital Banking you will need your:

Soarion Credit Union Account / Member Number
Social Security Number / TaxID
Birth Date
Email Address
Zip Code

You can register on the web browser version or the Soarion CU mobile app, the process is the same.

If you have lost or forgotten your Account / Member Number, please complete the Member Number Request Form. A Representative will send your Member Number via Secure Messaging. Or you may stop by an Soarion Financial Center during regular business hours for assistance.

Member Number Request Form

Digital Banking supports the last two versions of the browsers listed below:

Google Chrome: Latest two versions
Firefox: Latest two versions
Microsoft Edge: Latest two versions
Safari: Last two major versions
iOS: Last two major versions
Android: v8.0 and higher

Yes, you are able to change your username and password at any time by navigating to Settings.

Adding your external accounts (such as credit cards, mortgages, other bank or credit union accounts) will help give you a better overview of your personal finances.

External account information is updated daily. Note: Some external accounts will not automatically update if the other financial institution requires multi-factor authentication such as SMS text messages or security questions.You will be required to re-enter the login credentials to initiate the refresh:

For mobile app users, navigate to Settings, select the account that needs to be synced, and then select Update Login.
For website users, navigate to Settings under the Profile dropdown (top right of screen), select the account that needs to be synced, and then select the Refresh icon.

Check to see that the log in credentials to the external account are accurate. Some external accounts will not automatically update if the other financial institution requires multi-factor authentication such as SMS text messages or security questions.You will be required to re-enter the login credentials to initiate the refresh:

For mobile app users, navigate to Settings, select the account that needs to be synced, and then select Update Login.
For website users, navigate to Settings under the Profile dropdown (top right of screen), select the account that needs to be synced, and then select the Refresh icon.

Bill Pay FAQs

You should not have to reset any payee information in Bill Pay. However, you are advised to verify your payee information is correct once you login and before you scheduleany new payments.

It depends on the merchant receiving the payment. We attempt to send as many electronicpayments as possible. However, Bill Pay will inform you how the payment is being sentat the time the payment is being scheduled.

There is no charge to use Soarion Bill Pay.

Billscan be paid from Checking or Money Market Accounts. Bills cannot be paid from the Savings Account.

All payments whether electronic or check will reach the merchant on the date you choose in Bill Pay.

Yes. You can pay your bills online and view recent payments instantly through theSoarion CU Mobile Banking App.

Follow these steps to add a new Biller (a company to be paid).

For mobile app users

Tap "Bill Pay" at the bottom of the screen (also available by navigating to "More" > "Transfer & Pay" > "Bill Pay").
Then select the "Bills" tab at the bottom of the screen.
At the top of the screen, tap "Add Biller".
There you can either select a tile of a popular Biller or start typing the name of the company in the search bar. You will either be presented with a Biller to select, or if the Biller is not in the system, you can add the Biller's information manually.

For web browser users

In the menu, go to "Transfer & Pay" and click on "Bill Pay".
Then select the "Pay Bills" tab.
Click on the "Add Biller" button.
There you can either select a tile of a popular Biller or start typing the name of the company in the search bar. You will either be presented with a Biller to select, or if the Biller is not in the system, you can add the Biller's information manually.

Transfers FAQs

Yes. You can connect some external financial institutions instantly, while some will need to be manually added and can take up to 3 days for verification.

Web browser (desktop) Digital Banking:Go to Transfer & Pay > Transfer > Classic tab and select the "Add an account to make a transfer" link.

Mobile App:Go to More > Transfer & Pay > Transfers and select the "Add Account" tile at the top right.

On both Desktop and Mobile you will then have the option to add your External account. Either select the instant or manual option, depending on your bank or credit union.

Yes. You can transfer money to another trusted Soarion Credit Union account holder, such as a family member.

Web browser (desktop) Digital Banking:Go to Transfer & Pay > Transfer > Classic tab and select the "Add an account to make a transfer" link.

Mobile App:Go to More > Transfer & Pay > Transfers and select the "Add Account" tile at the top right.

On both Desktop and Mobile you will then have the option to select Internal account and Send money to another Soarion Credit Union Digital Banking member.

You can easily transfer money to and from your Soarion Checking or Saving Accounts, or transfer money to your Soarion loan (make a payment).

Web browser (desktop) Digital Banking: Go to Transfer & Pay > Transfer. Select either Quick tab to make a one-time transfer, or the Classic tab for more options such as scheduling a future transfer or setting up recurring transfers.

Mobile App: Go to More > Transfer & Pay > Make a Transfer tile –or– select an Account and click on the Make a Transfer tile to make an immediate transfer or schedule future and/or recurring transfers.

Credit Score FAQs

Credit Score in Digital Banking is provided by Soarion Credit Union in partnership with SavvyMoney. It provides your current credit score and report, information about key factors that impact your score, and offers that can help reduce your interest costs or lower your monthly payments.

No, Credit Score is a "soft inquiry", which does not affect your credit score. Typically, lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

No. Credit Score is provided free of charge to Soarion Credit Union Digital Banking users.

Your credit score will be updated every 7 daysand displayed within Digital Banking. You can also refresh your credit score and full credit report every 24-hours by clicking "Refresh Score".

Yes. After you have enrolled, Credit Score will monitor and send email alerts when there's been a change to your credit profile. When applicable, you can also find these monitoring alerts within your online or mobile banking account.

Credit Score use your credit profile from TransUnion, one of the major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed by the three major credit bureaus: Equifax, Experian, and TransUnion. VantageScore seeks to make score information more consistent between the three bureaus, to providing you with a better picture of your credit health.

The Score Simulator is an interactive tool that allows you to select various actions you may take and see how your score could be affected. Different actions, like paying off a credit card balance might make your score move up or down. Just like checking your credit score through SavvyMoney, using the simulator does not affect your actual credit score.

You can find the Score Simulator tool under the Score tab in Credit Score by SavvyMoney.

The SavvyMoney Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Consumer Financial Protection Bureau website offers step-by-step instructions on how to contact the bureaus and correct errors.

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical but should directionally be similar.