A bank is a for-profit organization that reports to shareholders. Banks hold deposits, make loans, pay checks, and provide other related services for the public. They collect funds from three sources: demand, savings, and time deposits; short-term borrowings from other banks; and equity capital.

A credit union is a not-for-profit financial cooperative owned by its members. Credit unions hold deposits, make loans, pay checks, and provide other consumer banking services to individuals sharing a common bond or affiliation (in our case — those who live, work, worship, or attend school in Dutchess, Orange, or Ulster County). Because credit unions operate as not-for-profit institutions, they are exempt from both federal and local taxes. A credit union gets its operating funds from shares purchased by individual owners who are members. It also pays dividends (representing the payment of interest) out of earnings.

When it was first started back in 1969, TEG FCU stood for Taconic Educational and Governmental Federal Credit Union to designate its field of membership. As the years went on and the credit union became community chartered to serve all those who live, work, worship, or attend school in Dutchess, Orange, and Ulster County, it simply became TEG Federal Credit Union to signify the new community charter.

Deposits in your TEG Accounts are insured by the National Credit Union Administration (NCUA) Share Insurance Fund to at least $250,000 and backed by the full faith and credit of the United States government. Learn more.

You can use the NCUA’s Share Insurance Estimator tool to calculate the insurance coverage of individual accounts; joint accounts with no more than 10 owners; revocable trust accounts (i.e., ITF/POD and living trust accounts) with up to 3 owners and 20 beneficiaries; IRAs; and business accounts.

Log in to Digital Banking. In the Tools menu, select Alerts. Then choose the type of Alert you would like to receive by clicking on the alert type, then slide the button to the right to turn on that alert type. Follow the instructions to set up your alerts and delivery method. Click the Save button at the bottom of the screen to save your alert instructions.

Note: You can receive Account Alerts by account type to notify you when your balance falls below a certain amount when a deposit has been posted to your account, when a loan payment is due—plus many more alert options are available. You can also set up Transfers Alerts, so you are alerted when specific types of transfers are added, blocked, canceled, submitted, failed, and succeeded. For security purposes, General alerts cannot be turned off as they are default alerts that notify you whenever your digital banking is accessed or whenever an invalid login has been attempted. Mobile Deposit alerts will notify you when a mobile check deposit has been completed and is considered a default alert that cannot be turned off.

You must choose your alert delivery method to receive alerts as a text / SMS message to a mobile device or choose to receive an email or push notification. Remember to click the Save button to save your alert delivery method.

First, you will need to verify that your mobile phone number is correct by going to Tools, Settings, and Contact tab.   In the Phone Numbers section, review your mobile number.  If your mobile number is not correct, click on the pencil icon to update your mobile phone number and click the box to the left of the I Would Like to Receive SMS Text Messages to This Number.  Then select the Save Changes button at the bottom of the screen.

Once you have confirmed that your mobile number is correct, proceed to Tools, Alerts, and set up your alerts and delivery methods for each type of alert you would like to receive. On the delivery method screen for each alert you want to receive, click the SMS delivery method option and then click the Save button.

Just about — the alert service runs every minute.  However, the alert import file is run every 30 minutes, so there could be a delay in some account-based alerts (i.e., your balance has fallen below a certain amount…)

To report a lost or stolen debit card, call us at (845) 452-7323 or (888) 834-8255.    Within digital banking, under the Card Management feature, you can select your card that has been lost or stolen, then click on Replacement Options to indicate that your card has been Lost or Stolen but you must contact us via phone for a replacement card.

You must come into one of our branches to change or get a new debit card PIN.

Yes, you can use your debit card overseas as long as it is connected to a checking account. You cannot use it to access funds from a savings account. Also, for ATM withdrawals overseas, the funds must be available in your checking account.

To ensure there is no disruption in service while you’re out of the country, please call us at (845) 452-7323 before traveling to let us know about your plans.  Or, you can log into your Digital Banking and select Card Management. Select your card and use the Travel Notices option to notify us of your travel plans.  You will need to provide the following:

• Your card number
• Location(s) of travel
• Dates of travel

Yes. To ensure there is no disruption in service while you’re out of town, please call us at (845) 452-7323 before traveling to let us know about your plans.  Or, you can log into your Digital Banking and click on the Card Management feature.  Select your card and use the Travel Notices option to notify us of your travel plans.  You will need to provide the following:

• Your card number
• Location(s) of travel
• Dates of travel

If you are disputing transactions for an incorrect amount, double charge, or claim of unauthorized charge, you must make a claim no later than sixty (60) days after we send the first statement on which the transaction appears. If the problem cannot be resolved within 10 business days, provisional credit will be given. The Credit Union has 90 days to resolve the problem. If the dispute is valid, you will keep the credit; however, if the merchant can prove that the transaction was correct, you will be charged for the transaction.

To dispute a debit card charge, call us at (845) 452-7323 or (888) 834-8255.

No, you don’t have to do anything. A new card will be generated and mailed out to you before the end of the month when the card will expire. For example, if the expiration date is 06/25, we will mail you a new debit card by June 30, 2025.

To replace a damaged card, you must complete a new debit card application, as we require a signature to help protect your account. Please call us at (845) 452-7323 for an application or stop by any branch.

See our list of ATM locations, use the Co-Op ATM locator, or call us at (845) 452-7323.

TEG’s routing number is 221975956.

You can stop payment on a check by calling us at (845) 452-7323, visiting any branch, or logging into Digital Banking and selecting Check Services from the Accounts & Loans menu. You will need to know the check number, payee, date of the check, and the amount of the check. There is a fee to place a stop payment on a check.  If you need to Stop Payment on an ACH transaction, you must contact us at (845) 452-7323 or come into any branch.

Call us at (845) 452-7323 or stop by any branch. If you use Digital Banking, you can view and print up to six months of canceled checks in your transaction history by clicking the check icon next to the check #.  To request a copy of an older check, go to Tools, Message Center, click Compose, select the account the check was drawn on, provide the check # and check information in the Message box, and click the Send Message button.  A canceled check copy fee may be assessed for any copies requested outside of digital banking or for checks more than six months old.

You must be 18 years old to open a checking account unless someone over the age of 18 is also a joint holder on the account. Minors can have their own individual savings (share) account.

You will need your social security card and an unexpired government-issued photo ID evidencing citizenship or residence (examples include a driver’s license, military ID, or passport).

Non-US citizens need one or more of the following:

• IRS Individual Taxpayer Identification Number (ITIN)
• Passport number and country of issuance
• Alien Identification Card number
• Number and country of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar safeguard.

The current balance is the actual balance in your account at the beginning of a specific business day. The current balance does not include any holds or pending transactions (transactions that have not been posted).

The available balance is the amount of funds available for immediate withdrawal or use. It is the current balance minus any withdrawals plus cash or electronic deposits that are part of the day’s activity. Please note that the available balance does not reflect outstanding checks or debit items that have not been presented for payment. A penalty may be charged to your account if you draw against unavailable funds.

The funds you deposited may be on hold due to funds availability or possibly a debit card transaction, or other transactions may have been processed against the funds you deposited.

Documents vary by business type. See the full list on our Business Services page.

To report an issue with accessing Bill Pay, please call us at (845) 452-7323 or (888) 834-8255, and a Member Services Representative will be happy to assist you with Bill Pay.

To use Bill Pay, you must be a Digital Banking user. After you log in to Digital Banking, click on Bill Pay which is located under the Transfer & Pay feature.  Follow the step-by-step instructions on the screen to enroll in Bill Pay. Once you’ve selected your funding account and successfully enrolled, you can set up payees and pay bills.

You can pay anyone in the United States that you normally pay by check or automatic debit. Even if you don’t receive bills from the company or person you want to pay, you can still add the information required to make payments. You can pay large companies and small companies, as well as individuals such as childcare providers or family members. When you pay a bill, Bill Pay sends the payment electronically whenever possible. If the company or person cannot receive electronic payments, Bill Pay prints a check and sends it to the address you provide when you add the payee information and schedule the bill payment.

You cannot use Bill Pay to pay any company or person with an address outside the United States or its territories. We are also unable to process any payments to federal, state, or local tax agencies.

To pay your bills online, add the companies and people you want to pay. We use this information to make the payments for your bills. The Pay Bills section will list all the bills you’ve added to Bill Pay. To pay a bill, you enter a payment amount and the date you want the payment to be sent. You can also select this date from the calendar.

Note: When you enter an amount, Bill Pay automatically displays the earliest date you can select for the payment to be sent in the Start Date box. You can either accept this date or change it to a later one. The Start Date you select will also be shown in the Delivery Method box as the Deliver By date.

Note: If the bill payment is an electronic bill payment, the funds will be verified and debited from your account the day before the Deliver By date so that the electronic payment will reach the payee by the Delivery By date. You can enter a Memo by clicking on the + Add Memo prompt. Remember to click on the Submit Payment button to process your bill payment.

After you submit a bill payment, click on the Scheduled tab, which allows you to preview the bill payments that have been scheduled for processing. The MultiPay tab allows you to pay Multiple Bills from one screen.

The amount of an electronic bill payment will be verified for funds availability the day BEFORE the bill payment is Delivered By date, and if funds are available, the payment amount will be deducted from your bill pay funding account.   For example, if it’s June 25th and you schedule your payment to be Delivered By July 1, it will come out of your account on June 30th if you have sufficient funds to cover the bill payment amount.  Your account is debited the day BEFORE the Deliver By date in order for an electronic bill payment to reach the payee by the Delivered By date.  Check bill payments will be deducted from your account on the date the check is presented.

You cannot use Bill Pay to pay any company or person with an address outside the United States or its territories. We are also unable to process any payments to federal, state, or local tax agencies.

All electronic bill payments must be submitted on a business day before 3:00 p.m. EST to be delivered by the next business day.

The scheduled payment is made on the preceding business day.  Weekends and holidays are not available for selection on the bill pay calendar.

Currently, we don’t issue payments from a credit card.

Currently, we don’t issue payments from a credit card.

In most cases, you can cancel an electronic payment 3 days or more prior to its deliver-by date and you can cancel a check payment 5 days or more prior to its deliver-by date.  To cancel a payment, go to the Scheduled tab within Bill Pay, find the scheduled payment you want to cancel and click on the Pencil icon to edit the scheduled payment.  Click on the Cancel Payment prompt located on the lower left corner of the screen.  You will be prompted with the Are You Sure? screen and click the Yes, Cancel button to cancel your bill payment.   You will then see a green bar across the top of your digital banking screen letting you know that your bill payment was successfully deleted.   If a bill payment is in processing status you will not be able to cancel the bill payment.

You are the only person who can authorize payments to be issued against your account. Our representatives only access your account information on a need-to-know basis, and only with your approval.

Yes, you don’t need an account number to make a payment.   You can add a memo to a bill payment by using the +Add Memo field.

Our service is highly secure, designed to fully safeguard the privacy and security of your financial information. Unlike normal Internet communication, all information sent to and from our processing center is encrypted and sent through a secure communications channel. Messages cannot be redirected, read, or tampered with. We also take advantage of the maximum level of security supported by your browser.

Only you can authorize payments. You have complete control over whom you are issuing a payment to, the exact payment amount, when the payment should be sent or whether to pay the bill at all. If you have a flat fee or recurring bill that you would like to have paid each month, you can instruct us to make that payment automatically for you.

Auto-pay provides a means for automatically scheduling payments in Bill Pay based on the options you select. You can set up an automatic payment schedule to pay bills of a set amount at regular intervals. For example, you can schedule a payment at the first of each month to pay your mortgage or rent.  Other payment frequencies are available.

From the Bill Pay screen, click on the Bill Pay Dashboard.  Find and select the payee you want to set up for auto-pay. On the Make a Payment tab follow the instructions on the screen by completing each required field.  Select the appropriate Frequency to auto-pay the payee and be sure to complete the Start On and Ending information.  Then save the payment instructions by clicking on the Submit Payment button.  Once successfully submitted be sure to verify the bill payment instructions by clicking on the Scheduled tab.

An electronic version of a bill, which is also called an e-bill, is a bill that you can view and pay online.  It typically contains the same information as a paper bill or statement.

Yes, you can pay a payee up to $10,000.

You can retrieve balance information, hear transaction history, complete a check withdrawal, make a loan payment, and more.

You can change your ACCESS CODE for Call 24 at any time by choosing option 7 Additional Options and selecting option 2 Change Preferences from the Call24 menu.  Follow the instructions to change your Access Code. Or, you can call us during regular business hours at (845) 452-7323.

To report a lost or stolen credit card, please call us at (845) 452-7323.  Within digital banking under the Card Management feature you can select your card that has been lost or stolen, then click on Replacement Options  to indicate that your card has been Lost or Stolen but you must contact us via phone for a replacement card.

The eStatements service provides electronic delivery of your monthly or quarterly statements, which will take the place of your mailed paper statements.

Sign into Digital Banking. Once inside, click on Accounts & Loans and select eDocuments.  Then click on the Statements tab and follow the instructions on the screen to enroll in eStatements.  Once enrolled you can start accessing your eStatements at the beginning of the next month for the prior month’s statement.

To access your eStatements, log into Digital Banking and click on Accounts & Loans, and then eDocuments.   Click on the Statement tab, from there you will be directed to your eStatements.

There is no charge for the TEG eStatements service. It is absolutely free!

You will receive an email notification when your eStatement is available for viewing. Of course, your email address is confidential.

Yes, your eStatement and email notification are independent of one another. If you do not receive your email notification, your eStatement will still be online.

You will need a Web browser such as Google Chrome/Safari/Firefox and an Internet connection. You will also need the Adobe Acrobat Reader plug-in to view your eStatement using a PDF format or view your statement in HTML format using the Internet.

Adobe Acrobat Reader is free software that you can download here.

By using the Adobe Acrobat Reader toolbar, press the printer icon. You can either print the entire statement or just a particular page.

Using the Adobe Acrobat Reader toolbar, press on the diskette icon. You will then be asked where on your computer you would like to save it.

No, you can either receive a paper statement or an electronic statement. You cannot receive both.

According to the law, we must deliver the statement to the primary account holder.

eStatements are designed with several state-of-the-art security features to keep your account information safe. These features include a firewall software security management system and 256-bit encryption.

Your eStatement will be available during the first week of the new month.

No, your eStatement cannot be emailed to you. For your security you must log in to Digital Banking to access your eStatement.

Previous eStatements will be available up to 18 months.

We can only send your eStatement notification to one email address.

You can change your email address online by signing into Digital Banking and clicking on Tools, Settings and then the Contact tab.  In the Email Addresses section, use the pencil icon to update your email address.   Be sure to click on Save Changes button so your email update is processed.

TEG eStatements can be saved as a text file, HTML file, or PDF file but eStatements do not currently support any financial software packages.

If you need to download your TEG transaction data into Quicken, Quickbooks or a spreadsheet file format such as XLS or CSV, log in to Digital Banking and select Accounts & Loans.  Click Accounts and click on the account you want to view transactions.  Next, click on the Download Transaction s icon to select the file format you need.  Then, follow the instructions on the screen.

You can transfer funds from the Transfer & Pay menu by selecting Transfers.  Select the Make a Transfer tab and follow the instructions on the screen to transfer between your TEG accounts.

You can schedule a funds transfer from the Transfer & Pay menu and select Transfers.  Click on the Make a Transfer tab and follow the instructions by selecting the From and To accounts, Amount and Date.  You can also enter a Memo which will appear on your transaction history when the scheduled transfer is processed.  Save your scheduled transfer instructions by clicking on the Review Transfer button and review your instructions to make sure you entered your transfer instructions correctly.   If you need to correct your transfer instructions click on the Edit Transfer button.  If your transfer instructions are correct, click on the Submit Transfer button to process.

NOTE:  If you select the current date, your transfer will process immediately.

NOTE:  Scheduled transfers can be set-up for the following business day or later.

Yes, this is called External Funds Transfer and can be done in the Transfer & Pay feature, Transfers tab.

External Funds Transfer allows you to transfer funds between your TEG accounts and accounts you may have at other financial institutions. To use the service you have to set up your external (a.k.a. “linked”) accounts by going to the Transfer & Pay menu.  Select Transfer and on the next screen click on the More Actions tab.  Click on Add Account and follow the directions on the screen.  You will need the name of the other financial institution, account number and routing number.   Or, your user credentials for your other financial institution based upon  which option to choose to add a new account.

Simply log in to Digital Banking at tegfcu.com.   Choose Transfer & Pay from the menu, and select Transfers.   Then follow these steps:

Step 1: Add an External Account by clicking on the More Actions tab. Under the Add an Account function use the External Account section to select the method you want to use to link your external account.

Follow the instructions on each screen and complete all of the fields with the correct information for your account at your other financial institution.

Step 2: Verify Your Account. Within 5 to 7 business days, if not sooner, we’ll make two small micro deposits to your other financial institution account. Once you see those deposits in your other account, come back to your digital banking and on the top of your Dashboard click on the Verify External Account option that will appear above your accounts.   Complete the verification by entering the two micro deposit transaction amounts to complete the setup of linking your external account to your TEG digital banking for transferring funds.

Step 3: Once you’ve verified your external account, you will be able to make a transfer.  Simply select Transfer & Pay, Transfers, Make a Transfer and you’ll be able to choose your external account from the To and From drop down menu.

Note: Please allow 2 business days for completion of transfers to/from another financial institution. Transfers need to be created before 2:30 p.m. EST to be processed on the same business day.

Limits: You may transfer up to $3,000 per transaction on a single business day using External Funds Transfer.

There is no charge for an external funds transfer transaction through digital banking.

Yes.   Go to www.tegfcu.com, click on Lending then select TEG FastPay.  Or, telephone TEG at 845-452-7323 for assistance.

A Satisfaction of Lien will be sent 10 business days after the loan has been satisfied in full.

Yes. You can pay your loan online by logging into Digital Banking.  Select Transfer & Pay, then select Transfers, Make a Transfer tab.  Follow the prompts to select your From and To account, payment Type, payment Frequency and payment Date.  You can also enter a Memo which will appear on the transaction.  Click on Review Transfer button to review your payment instructions, edit transfer if necessary and submit your transfer to process your loan payment.

Yes. There are two different ways you can access Online Banking through a Mobile Device.

Apps for iPhone, iPad and Android devices. Go to the Apple Store or Google Play and download the TEG app for your smartphone or tablet! You can view account balances and history, make transfers, schedule bills to be paid, and deposit checks through our mobile Deposit Check service right from your camera-enabled mobile device.

Mobile Web Banking. View account information through the browser on your mobile device. Just go to our website at www.tegfcu.com from your mobile device and enter your User ID and Password. That will take you right to an online banking site that is optimized for mobile devices where you can view account balances and history, make transfers and pay bills.

Yes! Mobile Apps for the iPhone, iPad and Androids are available to download from the Apple Store or Google Play. The App includes the ability to deposit checks right from your smart phone or tablet (mobile Deposit Check)! You can also view account balances and history, make transfers and pay bills. For the most secure and consistent experience with online banking on smartphone devices and tablets, use the mobile banking app instead of an internet browser.

If you have an e-mail address on record with us, you can enroll in Online Banking right through the mobile apps. Select the First Time User prompt.  If you need assistance, please get in touch with us at 845-452-7323.

Yes! We have mobile Deposit Check in the iPhone, iPad, and Android Apps. You can deposit eligible checks in a few simple steps. See the FAQ for Mobile Deposit Check for more information.

Mobile Banking should work with most mobile devices. However, due to the security encryption certificate we use to keep your data safe, many older versions of Android and iPhone as well as the Google Chrome and Safari browsers may experience issues. We know that:

• A valid email address and mobile phone number are required.
• TEG  mobile apps function best when the GPS or native mapping app (also called Location Services) are enabled.  Devices that do not have Location Services or native mapping applications do NOT support Branch and ATM location functionality.
• A mobile devise with a rear-facing camera that is enabled is required to deposit checks through the TEG mobile app.
• Mobile connectivity needs to be 4G LTE or Wi-Fi.
• Apple iOS devices need to be on version 9 and later.
• Android devices need to be on version 4.2.X and later.
• Google Chrome needs to be on the latest version.
• Users on unsupported OS versions will still be able to access online banking via the mobile browser.
• The following mobile operating systems are NOT compatible with TEG mobile apps:  WindowsPhone, Blackberry and Kindle Fire.
• Mobile browser access is supported and does not offer native app features, such as mobile check deposit and fingerprint login.

Available through the TEG Mobile Apps for iPhone, iPad and Android devices, mobile check deposit allows you to make check deposits to your TEG account using your camera-enabled mobile device.  Log in to your TEG mobile app and click on the Deposit Check function on the left navigation bar.

Anyone who has been a member for at least 60 days can use the mobile Deposit Check feature. Your account must also be in good standing.

An “eligible” check is a check that is payable to you, and is within the meaning of a “check” as defined in Federal Reserve Regulation CC and TEG FCU’s deposit guidelines.

Acceptable items include personal checks, government checks, business checks, money orders, traveler’s checks, and cashiers or certified checks drawn on a U.S. financial institution and in U.S. funds.

The following are not eligible Items:

• Checks payable to others (even if endorsed over to you);
• Demand drafts or remotely created checks (checks lacking the original signature of the person authorizing the check);
• Substitute checks (paper checks/items created from an electronic image);
• Checks in which any fields on the front side contain obvious alteration(s), anything not authorized by the owner of the account on which the check is drawn, or any irregularity of any kind (for example, numerical and written amounts are different);
• Checks previously returned unpaid for any reason;
• Checks that are postdated or more than six (6) months old;
• Checks drawn on a foreign financial institution or payable in a foreign currency;
• Checks you suspect may be fraudulent or not properly authorized;
• Checks exceeding the deposit limits set forth below;
• Checks not acceptable under the terms of your Membership Agreement.

Once you’ve downloaded the TEG Mobile App from the Apple Store or Google Play and have signed up for Online Banking you can start depositing checks.

Just log in and click on the icon for Deposit Check which is located on the left navigation bar. After you have read and agreed to the TEG Mobile Deposit Capture Agreement, follow the instructions on the screen:

• Select the account you want to deposit the check in
• Enter the amount of the check being deposited
• Click on the Capture Image button
• Endorse the back of the check using black ink with your signature and “Mobile Deposit only to TEG FCU account #____________” and be sure to include your correct account number.
• Take a picture of the front and back of the check following the instructions on the screen
• Click on the Submit button.

Easy as that! Just make sure that your check is properly endorsed on the back.

Once in the App, click on Deposit Check and follow the instructions.

• Front View:  Place the front of the check on a flat surface aligning the check front within the image box on the screen and click on the camera icon which is located on the top right corner of the screen
• Back View:  Place the back of the check on a flat surface aligning the check back within the image box on the screen and click on the camera icon which is located on the top right corner of the screen
• If the front and back check images look good, click on the Submit button
• If not, you can follow the instructions on the screen to retake the check images.

Tip: Take the picture on a flat surface on a plain background. A darker background tends to work better so the check stands out.

Yes. You may deposit up to five (5) checks on a daily basis cumulatively totaling up to $3,000.

Deposits may not show up in your account right away as they first have to be processed. Any deposit made after 4:00 p.m. EST each day will be credited on the next business day after 9:00 a.m. EST. Any deposit made between 9:00 a.m. EST and 3:59 p.m. EST will be credited on the same business day after 4:00 p.m.

The total deposited funds in a single day will be placed on a two-day hold with $225 available immediately. Any crediting of the Member’s account for items deposited using Mobile Check Deposit is provisional, subject to verification and final settlement.

Deposits made after 4:00 p.m. EST will be credited on the next business day after 9:00 a.m. EST.

Once you’ve scanned and submitted your deposit, you should mark the checks as having been deposited (i.e. write: Mobile Deposit and Date) and store them in a secure location until you destroy them. There are no laws or regulations that specify any length of time you need to keep the original checks.  However, we suggest that you store the check for 60 days.

Click on Deposit Check on the left navigation bar.  Once the Deposit Check screen appears, click on the More button on the upper right corner.  Click on ALL to see a list of your mobile check deposits.  You can click on any check deposit listed to see images of the check deposits.

Your smartphone may not be compatible with the Mobile Check Deposit service. This is rare but usually has to do with the camera in the smartphone.  When you enroll in the Mobile Check Deposit service you will be prompted to allow the TEG app to access the camera on your smartphone.   Once you allow camera access, you will be able to begin your mobile check deposit transaction.

Click on New User below the Online Banking login box located at the top right corner of the TEG FCU home page (www.tegfcu.com) and simply follow the instructions on the screen.

Those without a Social Security Number should call a Member Service Representative for assistance at 845-452-7323.

For business accounts the birth date is the date the account was opened. If you do not have this information, please call us at 845-452-7323 and we’ll be happy to help you.

If you have forgotten your User Name, please call us at 845-452-7323 and we’ll be happy to help you.  For security purposes we will first need to verify your identity.

If you want to change your User Name at any time you can do so by going to Profile Options, Security Preferences and Change User Name.  You will be sent a security code to the device you have on record with us that you must enter prior to being allowed to make the change.  User ID’s must be 8 to 25 characters.

You may use our password reset tool or contact us for assistance. Click on Forgot Password above the Online Banking login box located at the top of the TEG FCU home page.

If you want to change your Password at any time you can do so by going to the Profile Options, Security Preferences, and select Change Password.  You will be sent a security code that you must enter prior to being allowed to make the change.  Your password must follow these rules:

Online Banking is designed for the following browsers. Using other browsers may cause the web pages to appear misaligned and prevent access to Online Banking.  It is highly recommended that the most current browser version be used to access Online Banking.

Please ensure your browser:

• is cookie-enabled
• is JavaScript – enabled
• supports secured sites
• has its privacy settings at Medium-High
• has at least a 128-bit encryption

Yes, you can.  You have the option to export via Quick Books Web Connect®, Quicken Web Connect®, Microsoft OFX or to a CSV file.  To use this service log in to Online Banking and from the Accounts menu choose Export. Follow the instructions on the screen.

Yes!  From your Account Summary or Dashboard page, simply click on your account (i.e. your checking account) to view the history screen for that account. On the top of the History page, any pending debit or ACH transactions will be listed.

A pending transaction is a type of “hold” on your account that affects your available balance. Your account balance can often differ from your available balance due to a pending transaction or “hold” on your account. For example, gas stations often “hold” up to $75 or more from your account when you fill up even though your final transaction amount may only be $30. That gas station transaction will eventually clear your account for $30 but they “hold” the funds from your available balance until the transaction clears. Regularly viewing your pending transactions may help you avoid unexpected overdraft fees.

You can view and print copies of recently canceled checks right in your account history for the past 180 days (about six months). Just click on the check number and it will bring up the image of the check.

If you don’t have the ability to print the check copy or need a copy of a check that is more than 180 days old, you can submit the request online. Simply go to the Messages menu, click on the New Conversation button on the right and select Check Copy.  Follow the instructions on the screen. It can take up to 15 business days for you to receive the check copy.

Please allow up to 15 business days to receive a printed copy of a check requested online via USPS.

Reminder: You can view and print images of checks for the past six months right in Online Banking.

Yes. Log in to Online Banking, click on the Messages menu, then click on the New Conversation button located on the right, and then select Check Withdrawal. Follow the instructions on the screen and a check made payable to the primary member will be mailed via USPS to the address on the account on the next business day following receipt of your request.

Please allow 3-5 business days for receipt of your check from the time you make the request.

Yes, you can request a stop payment for a check online.  Click on the Online Services menu and select Stop Payment.

Note: Only stop payment requests for checks are available online. ACH (electronic) stop payment requests must be handled by TEG FCU staff. Please call us at 845-452-7323 for assistance.

Only stop payment requests for checks are available online. ACH stop payment requests must be handled by TEG FCU staff. Please call us at 845-452-7323 for assistance.

Yes you can, but you cannot do it online. You will need to go into a branch, fax (845-790-6624), or mail a letter to 1 Commerce Street, Poughkeepsie, NY 12603.

Yes, if you have not had a name change or address change since the last time you placed an order you can order checks online. Simply log in to Online Banking, Online Services menu and select Check Reorder.  Follow the instructions to process your check reorder.

You can make a loan payment by doing a one-time, scheduled or recurring funds transfer.

To make a payment from a TEG account:  On the Transfer & Pay menu, select Transfer then select Make a Transfer, and follow the instructions on the screen.

To make a payment from an External Account:  You must first link your external account to your TEG digital banking.  Once your external account is linked you can make a payment to a TEG loan from an account at a different financial institution by selecting the external account in the From account drop down.  Please note that external transfers take 2 business days to complete.

You can also set up an External Funds Transfer from an account at a different financial institution to your TEG primary share or checking account.  Then setup your loan payment from your TEG account.

To schedule your loan payment each month:  If you want to schedule your loan payment to be made automatically on a certain date each month you will need to create a Recurring Transfer.  On the Make a Transfer screen, click in the Recurring Transfer box and follow the instructions on the screen.

Yes, you can update domestic addresses, phone numbers and contact information online. Log in to Online Banking and select Online Services. From there, choose Manage Contact Info. For your security and to help verify your identity, you will be sent a Security Code as directed on the screen. Once received, enter the code in the box on the screen, and click on the Submit button.

Note: Foreign addresses cannot be updated online. Please contact TEG Federal Credit Union directly at 845-452-7323. Also, if you have multiple accounts with TEG, a separate request is required for each account number.

No, unfortunately at this time that feature is not available.  It may be in the future, but for now you will have to make any principal-only payments in a branch or via mail.

If you can view the other areas of our website, but are unable to access Online Banking, it may indicate a problem accessing secured websites.

If you are using one of the browsers we recommend and are still experiencing an issue, the problem may lie with your Internet Service Provider. This is particularly common with employer-based access to the Internet. Your employer may have firewalls, proxy servers or other equipment that may prevent access to secured sites.  Contact your company’s IT Department regarding the problem or try to access Online Banking from another location.

If none of these suggestions apply, please call us at 845-452-7323.

There are several different errors that may occur based upon the function you are attempting to do.  Please see “The following errors may occur when accessing Online Banking” FAQ.  If none of these FAQs are applicable, please call us at 845-452-7323 for assistance.

Your password is incorrect. Verify the password and re-enter it. Check to make sure the Caps Lock is not on. Passwords are case-sensitive; the Caps Lock may alter the way your password is being entered.

You have had too many invalid login attempts. As an online security measure, Online Banking will allow three invalid password attempts and will lock out the user on the fourth try.  Please contact us at 845-452-7323 for assistance.  For security purposes, we will need to verify your identity before we can unlock your user id.

Online Banking is temporarily down for system maintenance. Try again periodically. If the message is displayed repeatedly, contact us at 845-452-7323.

If a transfer is unsuccessful you will be given a reference number. You may contact us and a Member Service Representative will assist you in finding out why your transfer was not successful.

Tip: To show us the exact error message that you are receiving, display the error message on your screen then press FN & Print Screen on your computer’s keyboard. This will transfer the image to your clipboard which can then be pasted into a Word document or other application.

When experiencing an error message, try the following steps before contacting TEG:

• Clear the cache/cookies, reload, or refresh
• Close the browser
• Retry

If you try this and you still continue to receive the error message, contact us at 845-452-7323.

IMPORTANT: When reporting problems to us, please have as much information ready as possible (e.g. when the problem occurred, browser version, what the error message said exactly, etc.).

This depends on the browser you are using. It can usually be found in the toolbar at the top of your browser window. Look for a Help menu, or the Options menu. Once you find it, click on one of the following: “About Internet Explorer,” “About Mozilla Firefox,” “About Safari,” or “About Google Chrome.” A screen will appear telling you what browser and version you are using.

IMPORTANT: When reporting problems to us, please have as much information ready as possible (e.g. when the problem occurred, browser version, what the error message said exactly, etc.).

You sure can. You can also hide accounts that you don’t want to see.  Go to Profile Options and select Account Preferences. You will see all of your accounts listed and you can change the account names to something that you prefer, also known as a Nickname.  If you don’t want to see an account you can hide it and unhide it at any time by changing the Visibility.

Yes you can and for security purposes it is a very good idea to setup alerts so you know when specific online events occur.  Go to Profile Options and select Alerts.  You will see that there are many different types of alerts you can setup.   There is no limit to the number of alerts you can setup and you can deactivate specific alerts at any time.  Please note that several default alerts have been automatically setup for security purposes.