Online & Mobile Banking

No, both services are completely free to our members.

Yes. Our online banking system uses a multi factor authentication process to keep access to your accounts secure. These authentication options are customizable, allowing you to set the number of security steps you want to have. Options include email, text, and tokens.

To register for online banking, the following is required:

• Social Security number,
• email address
• member number with leading zeros,
• and either birth date or zip code.

You can only deposit checks through the Mobile Banking app, which allows you to deposit a check up to $5,000.00 per deposit or per day using your mobile device, in the app’s Deposit Anywhere function. To get started, you must first register through Online Banking. Once enabled, you can deposit and check your history of deposited items.

If you are experiencing an issue with your online banking, you can send a message to our eMember Services through the Message Center through Online or Mobile Banking. eMember Services will exchange messages to help resolve any issues. The Message Center also allows you to add up to three attachments.

If the Message Center isn’t an option, you can always call our Member Service Center at 978-452-5001.

Instructions

Instant Payments are real-time transactions sent through networks like The Clearing House’s RTP® network or the Federal Reserve’s FedNow® Service. These payments are delivered to your Jeanne D’Arc Credit Union account within seconds and are available 24 hours a day/365 days a year, including weekends and holidays.

Jeanne D’Arc Credit Union allows instant payments to eligible savings and checking accounts. Accounts must be open, active, and in good standing. Certain account types are ineligible for instant payments, including charged-off checking or savings accounts, IRA savings accounts, tenant accounts, and membership accounts. Certain account statuses or restrictions could prevent an instant payment transaction from being accepted.

The sender must have an account at a U.S. financial institution that supports sending Instant Payments via RTP® or FedNow®.

Note: Jeanne D’Arc Credit Union currently only supports receiving Instant Payments, not sending them.

No. Jeanne D’Arc Credit Union does not charge fees for receiving Instant Payments.

Funds are generally available within seconds after the payment is sent. Payments can be received any time—24 hours a day/365 days a year —including weekends and holidays.

Note: Certain account restrictions may delay or prevent the payment from posting.

Any dollar limits are set by the sender’s financial institution or Instant Payments provider. Jeanne D’Arc Credit Union does not impose receiving limits.

There are multiple ways that you can benefit from receiving an instant payment, including:

• Digital Wallet Transfers – Members can move money from their digital wallet (i.e., Venmo, CashApp) instantly to their eligible Jeanne D’Arc Credit Union savings or checking account.
• Account-to-Account (A2A)/Me-to-Me transfers (M2M) – Members can move money between their accounts at different financial institutions and can access that money right away. This would require their other financial institution to offer the send function for Instant Payments.
• Person-to-Person (P2P) – Members can receive money from a different person, similar to Venmo and CashApp. Instead of receiving funds in a third-party app, you can receive the funds instantly into your eligible Jeanne D’Arc Credit Union savings or checking account.
• Business-to-Consumer (B2C) – Members can receive money from businesses instantly into their eligible Jeanne D’Arc Credit Union savings or checking account. Examples of this can include receiving insurance claim payouts and health claim payouts. The business would have to be able to send the funds via one of the Instant Payment networks.
• Business-to-Business (B2B) / Consumer-to-Business (C2B) – Business members could receive funds from consumers or other businesses instantly into their eligible Jeanne D’Arc Credit Union business savings or business checking account for amounts owed for services and/or goods rendered.
• Earned Wage Access – Members can receive early access to their earned wages provided by their employer. Rather than wait for a normal weekly, bi-weekly, or monthly payroll cycle, some employers allow their employees access to their earned wages daily and can provide that via the Instant Payments networks. Members’ employers must offer this functionality and be able to send via the Instant Payments networks.