Digital Banking Resource Guides

ProFed Digital Banking

External Accounts in ProFed Digital Banking

To transfer money to or from an outside account, go to Move Money in the menu, then select Manage Destinations. Here, you can select Add External Account. ProFed uses Plaid to connect your account. Select Continue, type in the institution you want to transfer money to or from, enter your credentials, and submit. Select the account, choose the account type, and continue. You will then verify the account by entering the routing number of the external account, followed by the external account number, and then entering it again to confirm. Once complete, your external account will be successfully added. You are now ready to transfer to or from that account, or use the external account to make a payment. This is also where your external accounts will appear in the future.

To make a payment from an external account to your ProFed loan or credit card, go to Payments and Transfers. Select your external account from the accounts drop-down list. The rest of the process should feel familiar. After you fill everything out, review the details and submit. You will receive a message letting you know the payment or transfer was successfully scheduled. When you go back to Accounts and Move Money, you will see the scheduled payment listed at the bottom. If something changes, you can select the three dots to edit or delete it. Next, to schedule a transfer from your external account to your account at ProFed, go to Payments and Transfers and select your external account from the accounts drop-down list. The rest of the process should again feel familiar. Once you have filled everything out, review the details and submit. You will receive a message confirming that the payment or transfer was successfully scheduled. When you return to Accounts, Move Money, and Scheduled Transfers, you will see the scheduled transfer listed at the bottom. If something changes, you can select the three dots to edit or delete it.

It is important to note that scheduled payments, scheduled transfers, and managed destinations are listed separately, so keep that in mind if you do not see what you are looking for. If you need additional help, please reach out to our Member Services team.

Mobile App Experience with ProFed Digital Banking

ProFed Digital Banking offers the same great experience on a desktop screen or mobile device, with a few additional features designed specifically for mobile. When you first log in to the ProFed Digital Banking app using your username and password or your device's biometrics, such as fingerprint or Face ID, you will be greeted with a summary of your accounts, just like on the desktop version. At the bottom, you will see familiar banking options such as Move Money for transfers and payments, and Cards to monitor your ProFed Visa cards. Tapping the double-chevron arrow on the side expands your menu to show all available options.

Deposit is a feature unique to the ProFed Digital Banking app. It allows you to deposit checks anytime, anywhere by simply taking a picture of the front and back of your check. Continue following the prompts to successfully deposit your check. It is important to note that daily deposit limits apply. When you tap Statements, you can access your eStatements and eNotices. Tapping Education gives you access to cybersecurity news, alerts, and tips to help you stay safe online. If you tap your initials in the top corner of the screen, you will see familiar options for Settings, Support, Locations, and Log Out. In Settings, you will find mobile features available only on mobile devices. Here, you can customize the app further by enabling fingerprint or Face ID sign-in, simplifying your menu view by turning off icon labels, or switching between right-hand and left-hand mode. Opting in to Quick Balances lets you glance at your balances from the app login screen. If you need additional help, please reach out to our Member Services team.

Getting Started in ProFed Digital Banking

To get started, visit profedcu.org or download our app from the App Store or Google Play.

If you are a first-time user and need to enroll in Digital Banking, click Register. Choose whether your account is personal or business. You can verify your account using either your account number or your debit or credit card number, depending on what you have available. Enter the number for the method you selected, then enter the last four digits of your Social Security number. For business accounts, enter the last four digits of your tax identification number instead. Next, enter your date of birth. For business accounts, enter the date you opened your business account with us. Review the terms and conditions, click to accept them, and then select Verify to continue.

The first time you sign in on a new device or browser, you will be asked for a verification code. We will send it by email or text message, and it may take a few minutes to arrive. For security purposes, the code will be sent to all contact email addresses and phone numbers we have on file. If you do not see the verification code in your inbox, be sure to check your spam folder. Once you receive the code, enter it in the box and click Submit.

Next, create your new username and password. Choose credentials you have not used anywhere else. If you run into an error while creating your password, click View Requirements to make sure it includes all necessary components for a secure login. Once you are satisfied with your new password, re-enter it and click Submit. After your new username and password have been set, click Login to return to the main login screen.

You are now ready to log in to Digital Banking with your new username and password. You may be asked for a verification code one more time. Enter the new code once you receive it, then check the box if this is a trusted device that you plan to sign in from often. Click Submit, and you are all set.

You are now ready to continue setting up your eStatement access. Click on the video titled eStatement Sign Up to get started with the next step. If you need additional help, please reach out to our Member Services team.

Trouble Signing in to ProFed Digital Banking

If you are having trouble signing in — whether you forgot your username or your password—you can still easily and securely access your account by clicking Trouble Signing In underneath the login field. Select which login credential you forgot. If you do not know either one, start with Forgot Username and then continue to Forgot Password once you know your username. Enter your username in the first text box. You can verify your account using either your account number or your debit or credit card number, depending on what you have available. Enter the number you want to use, then enter your birth date and click Continue. From there, you will receive a verification code by text message or email. For security purposes, we will send the code to all phone numbers and email addresses we have on file for you. Enter the verification code, then click Submit.

You are now ready to enter your new password. Create a password that you have not used anywhere else. If you run into an error while creating it, click View Requirements to make sure it includes all necessary components for a secure login. Once you are satisfied with your new password, re-enter it and click Continue. After your new password has been confirmed, click Login to return to the main login screen. You are now ready to log back in to Digital Banking with your username and newly created password. You may be asked for a verification code one more time. Enter the new code when you receive it, then check the box if this is a trusted device that you plan to sign in from often. You are back in and ready to start using your Digital Banking again. If you need additional help, please reach out to our Member Services team.

Paying a Bill in ProFed Digital Banking

To pay a bill, go to Move Money in the main menu, then select Pay Bills. The Pay Bills area allows you to add new billers, modify existing ones, and initiate payments. To add a biller, click Add Biller. You will see a list of billers displayed below that you can select from. If you select a biller from the list, a box will appear asking for your login and password. If you do not have the login information for the biller or do not want to receive bills electronically in Bill Pay, add the biller manually by selecting Add Biller Manually. You can also type the name in the search field to look up your biller.

In this example, we will add Verizon. Enter the account number, then enter it again to confirm. Next, enter the biller's ZIP code. You can also add an optional nickname, such as Phone Bill, and then click Next. You will then see a message letting you know your biller was added successfully. Now you can pay your biller by entering an amount, choosing your delivery date and frequency, and selecting whether it's a one-time or recurring payment. Then select which account the money should come from and click Pay. Review the payment details to make sure everything looks correct, then click Confirm. Your scheduled bill payments will appear here.

You can also set up alerts using the gear icon, so you receive a notification when the payment is sent or a certain number of days before the payment is sent. If you need additional help, please reach out to our Member Services team.

Paying a Person (P2P) in ProFed Digital Banking

To pay a person, go to Move Money in the main menu, then select Pay a Person. First, click Pay, then click the plus icon to add the person you are going to pay. The Pay a Person feature requires two-step verification, so you will select how you want to receive your verification code.

In this example, we will choose a text message. Once you receive the code, enter it in the box and click Verify Code. You are then ready to enter the recipient's first and last name, along with a mobile number or email address. This is how the payment will be delivered. For security purposes, create a question and answer. Be sure to give the recipient the answer, because it will be needed to complete the payment process. Then select Save and Pay. Next, enter the amount, add an optional memo, and choose which account the money should come from. Then choose the send date and frequency, depending on whether this is a one-time payment or a recurring payment, and click Pay. Review the details to make sure everything looks correct, then click Confirm. Your scheduled Pay a Person payments will appear here.

You can also set up alerts using the gear icon to receive a notification when the payment is sent or delivered. If you need additional help, please reach out to our Member Services team.

Making a Loan Payment in ProFed Digital Banking

You can make a loan payment in one of two ways. For a quick one-time payment, use the transfer and pay widget on the Accounts screen. You can also select Move Money from the menu, then choose Payments and Transfers. Select the account you want the payment to come from, then choose the loan you want to pay. Enter the payment frequency, payment date, and payment amount, then click Submit. Review the payment details to make sure everything looks correct, then submit again to confirm. If you need additional help, please reach out to our Member Services team.

Viewing or Deleting Loan Payments in ProFed Digital Banking

To view or delete a scheduled loan payment, go to Move Money in the main menu, then select the Scheduled Payments tab. This is where all scheduled payments are displayed. To delete a payment, click the three dots next to the payment you want to manage. You can also edit the payment from this menu if needed. After you click Delete, you will be asked to confirm that you want to remove the payment. Select Confirm to complete the deletion. If you need additional help, please reach out to our Member Services team using the contact information shown on the screen.

Favorite Your Accounts in ProFed Digital Banking

Welcome to ProFed Digital Banking. You can favorite accounts to make them easier to find. To do this, click the heart icon next to the account. Favoriting an account moves it to the top of the screen so it is one of the first things you see when you log in. You can favorite more than one account, and you can remove a favorite at any time by clicking the heart icon again. Your favorites will carry over across desktop and mobile devices. If you need additional help, please reach out to our Member Services team.

eStatement Sign Up in ProFed Digital Banking

ProFed Digital Banking offers a convenient, secure, and environmentally friendly way to manage your finances. You can enroll in eStatements and start receiving your statements digitally by logging in and selecting Statements from the menu. Select Manage Preferences and turn on the option to enable eStatements. Review the terms and conditions, then click Accept at the bottom. Be sure to confirm the email address shown on the screen. If you need to update it, select Manage Email. Once enrolled, you can return to Statements to view monthly account and credit card statements, as well as important notices and tax and real estate statements when they become available. If you need additional help, please reach out to our Member Services team.

Resetting your Password for ProFed Digital Banking

Resetting your digital banking password is a quick and simple process. Click your initials in the top-right corner, select Settings, choose Security, and then select Change Password. Enter your current password, then enter your new password. You can select View Requirements to make sure your new password is strong and meets the security criteria. Enter the new password again, then click Save. If all requirements are met, you will see a confirmation message letting you know your password was changed successfully. If you need additional help, please reach out to our Member Services team.

Transfers in ProFed Digital Banking

To make a transfer, select Move Money from the left-hand menu. From there, you can make a new transfer or payment, or monitor existing scheduled transfers and payments. Select Payments and Transfers, choose the account the funds will come from, and then choose where you want the money to go. If you want the transfer to happen right away, leave the frequency set to immediate. To schedule it for later, choose whether it should be a one-time or recurring transfer, then enter the date and amount. You can also add a memo if you would like. Click Submit, review the transaction details, and submit again to confirm. If you need to make changes to a scheduled transaction later, return to Move Money to view your scheduled payments and transfers. Select the three dots next to the transaction to edit or delete it. You can also make quick transfers and payments directly from the Accounts screen. If you need additional help, please reach out to our Member Services team.

Savings Jar Sign Up in ProFed Digital Banking

Savings Jar is a helpful tool that lets you save spare change over time by rounding up your debit card purchases to the nearest whole dollar and depositing the difference into an account of your choice. To enroll, select More Services, then choose Savings Jar. Turn the feature on, select the account the rounded-up funds will come from, and choose the account where the spare change will be deposited. Then click Save. Once set up, your spare change will be deposited automatically each time you make a purchase with your ProFed debit card. If you need additional help, please reach out to our Member Services team.

Credit Score Tool Sign Up in ProFed Digital Banking

You can enroll in the free credit score tool to check your credit score daily by logging in and selecting Show My Score. Enter the requested information, including your name, email address, mailing address, date of birth, and Social Security number. Review the disclosure, then check the box authorizing ProFed to obtain your credit report. This is a soft credit pull and will not affect your score. You will then answer a series of questions to verify your identity before selecting Access My Score. Once you are signed in, you can use features such as score analysis, a credit report summary, a score simulator, alerts, and additional resources. You may also see loan and offer information when it is available to you. The next time you log in to Digital Banking, your credit score will appear on the Accounts screen for easy access. If you need additional help, please reach out to our Member Services team.

Credit and Debit Limit Increase in ProFed Digital Banking

If you are a ProFed cardholder, you can request a debit or credit limit increase in ProFed Digital Banking by selecting Cards from the navigation menu. To request a credit limit increase, select your credit card and complete the form. This request authorizes ProFed to obtain a current credit report. After completing all fields, check the box authorizing contact at the phone number provided, click Continue, review your information, and submit the request. To request a debit limit increase, return to the Cards area, select your debit card, and choose Debit Limit Increase Request. This temporarily increases your debit card limit for one to seven days. If you need the increase for a longer period, please contact the Card Services team. Complete the form, authorize contact at the phone number provided, click Continue, review the details, and submit the request. Please note that debit and credit card limits can only be increased during business hours. If you need additional help, please reach out to our Member Services team.

Locating Direct Deposit Information in ProFed Digital Banking

You can find the information you need to set up ACH payments or direct deposit in two places. First, select More Services, then choose Routing and Account Numbers. There, you can find the details needed to complete direct deposit forms or set up electronic payments. You can also use the toggle to display your full account number.

The second option is from the Accounts screen. Select the specific account and scroll to the bottom to view the same information there. If you need additional help, please reach out to our Member Services team using the contact information shown on the screen.

Customize Your Experience in ProFed Digital Banking

Viewing all your accounts under a single login is convenient, but it can feel overwhelming at first. ProFed Digital Banking gives you several ways to organize and customize your experience. You can hide accounts by selecting Hide next to an account. Hidden accounts stay hidden until you choose to show them again, even after you log out and back in. You can also rename savings and loan accounts by opening the account and selecting the pencil icon. Account nicknames are unique to your login, and once saved, they will appear on the Accounts screen. You can also personalize the look and feel of Digital Banking. To turn on dark mode, click the moon icon in the top-right corner.

For additional options, click your initials, select Settings, and choose Customization. There, you can change the color scheme, enable or disable animations, choose a default language, and select a font, including options designed for members with dyslexia. If you need additional help, please reach out to our Member Services team.

Viewing or Deleting Loan Payments in ProFed Digital Banking

To view or delete a scheduled loan payment, go to Move Money in the main menu, then select the Scheduled Payments tab. This is where all scheduled payments are displayed. To delete a payment, click the three dots next to the payment you want to manage. You can also edit the payment from this menu if needed. After you click Delete, you will be asked to confirm that you want to remove the payment. Select Confirm to complete the deletion. If you need additional help, please reach out to our Member Services team. 

ProFed Business Digital Banking

Add or Delete Participants in ProFed Business Digital Banking

To add a participant in Business Digital Banking, open Business Portal from the menu, select ACH and Payroll, choose Participants, and then select Add Participant. Enter the participant’s name, account number, routing number, and account type, add an optional participant ID if needed, and select Save. Any templates and pending batches that include this participant will be automatically updated, and the participant will be added to the next manually generated prenote batch. To edit or delete a participant, locate the participant in the list, select the three dots next to the name, and choose Edit or Delete. If you delete a participant, confirm the action and select Submit. If you need additional help, contact the Business Services team.

Enable Dual Approval in ProFed Business Digital Banking

To enable dual approval in Business Digital Banking, open Business Portal from the menu, select Business Settings, and turn on Enable Dual Approval. Review the confirmation message to verify that the setting is enabled. Dual approval adds an extra layer of security by requiring a second employee to review and approve transactions and can help protect your business from errors, fraud, scams, and unauthorized activity. If you need additional help, contact the Business Services team.

Send a Payroll or Collection Batch in ProFed Business Digital Banking