Mobile Services

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Mobile Banking

Mobile Banking Users – If you currently do not receive automatic updates to your mobile banking app, you will need to delete your old app off of your device(s) and navigate to the app store and download the new app to your device(s).




Mobiliti™ is the ultimate on-demand service. With it you can monitor your accounts using your mobile phone... receive alerts, view accounts, view transaction history, transfer funds and even pay your bills whenever you need to, wherever you happen to be. You decide how you'll use it. Request a text message be sent if your balance falls below $50 or when your direct deposit is in your account. And you don’t need Internet access on your phone to take advantage of Mobiliti™.

Message and data rates may apply.

New features and functionality now include:

  • Internal Transfer Memo – You can now enter a memo to be associated with a transfer. That memo will persist across the transaction history in both mobile and online banking.
  • Mobile Deposit Failure Email Notification – You will automatically receive an email notifying you of a rejected mobile-deposited check.
  • Login Improvements – To minimize extra taps incurred when the app times out due to inactivity, the timeout message is now displayed on the Login screen directly and not as a popup message.
  • Account Improvements – On the Accounts screen, information below the balance header may now be displayed on two tabs: Transactions and Account Details. Account transactions are shown on the Transactions tab and all other account data such as interest rates, due dates, minimum amount due, etc. will appear on the Account Details tab.
  • Sorting of Accounts/Loans – When sorting your account listing display order, you are now able to press and hold the entire row to drag the account into the desired position. The sort position will now automatically be saved.
  • Menu Enhancements – A listing of What’s New feature announcements are now accessible from the More menu.

With Mobiliti™, your information is fully secure.

Mobiliti™ is as secure as a vault. With multiple layers of authentication, you’ll never have to worry about the wrong people getting your information. A personal password and phone activation code keep your information safe.

Enroll now. Mobiliti™ keeps you in control.

Mobiliti™ is available to anyone currently enrolled for our Online Banking service. To enroll, log on to Online Banking and select Mobiliti™ and then SIGN UP.

Mobile Check Deposit

Easily deposit your checks where ever you may be. Make a quick and secure deposit of your checks with HAR-CO’s Mobile Banking App. You can even check your balance, find ATMs, pay bills and transfer funds.


  • Save a trip to the bank
  • Safe & Secure
  • Deposit paper checks at any time by taking a photo
  • Deposit up to $5000 per day

Mobile Check Deposit Required Endorsement

All checks deposited through mobile banking must be endorsed as follows:

  1. Sign your check as your name appears on the front of the check.
  2. Write “For Mobile Deposit Only at HAR-CO Credit Union”.
  3. Include your member number.

Funds are usually available 3 business days after posting. Keep your paper check for 14 days after posting. Checks not properly endorsed will be rejected.

Educational Tips on using Mobile Check Deposit

Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone.

  1. Make sure the back of your check has been endorsed properly.
  2. When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.
  3. Flatten folded or crumpled checks before taking your photos.
  4. Keep the check within the view finder on the camera screen when capturing your photos.
  5. Try not to get too much of the areas surrounding the check.
  6. Take the photos of your check in a well-lit area.
  7. Place the check on solid dark background before taking the photo of it.
  8. Keep your phone flat and steady above the check when taking your photos.
  9. Hold the camera as square to the check as possible to reduce corner to corner skew.
  10. Make sure that the entire check image is visible and in focus before submitting your deposit.
  11. No shadows across the check
  12. All four corners are visible
  13. Check is not blurry
  14. The MICR line (numbers on the bottom of your check) is readable.


One App to Control All Your Credit and Debit Cards

HAR-CO Credit Union is pleased to introduce CardValet®, a mobile card management application that helps reduce account fraud by allowing cardholders to monitor accounts with their smartphone and control how, when and where their credit and debit cards are used.

CardValet® is available in the Apple® App Store or Google® Play. Once CardValet® is set up, cardholders have the ability to “turn off ” their card when not in use, establish transaction spending limits and decline a transaction when the amount exceeds a predefined threshold.

Real-time smartphone alerts can be customized based on the types of information each cardholder would like to receive. For example, a cardholder can set up an alert to be notified when a card is used, when a transaction is approved and exceeds any of the permitted use policies, or when a card transaction has been attempted but has been declined based on the parameters established. CardValet® offers cardholders the capability of linking additional accounts to better monitor dependent spending. So, by using the GPS system in their smart phone, geographic use restrictions can be established for college students along with restrictions on merchant type and spending limits.

CardValet® is ideal for users who want to actively manage their cards. CardValet’s inventive and thoughtful approach to card management makes the user experience as easy as possible. HAR-CO is excited to offer this tool to our cardholders! Not only is CardValet® user-friendly and convenient, but it will aide in our continued efforts to prevent fraud and identity theft for our cardholders.

Save Time and Gain Peace Of Mind Knowing You Can Control the Cards In Your Wallet with the Phone In Your Pocket

  • Instantly lock (and unlock) your cards if they go missing.
  • Set and remove spending limits.
  • Get purchase alerts in real time.
  • Limit transactions to a certain area using your phone’s GPS.

Click here to access the Card Valet Quick Reference Guide.

© 2016 Fiserv, Inc. or its affiliates. CardValet is a registered trademark of Fiserv, Inc.

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