Online Banking

With our high-tech tools, you can make every minute count

Go online to do it all 

Life is full of non-stop commitments, can’t-miss appointments and one deadline after another. It’s enough to give anyone the Can't-Get-It-All-Done-Today blues. At Excite Credit Union, we can help you find some breathing space. With Online Banking, you can quickly pay your bills, move money around and get a good grip on your overall finances any time your busy schedule gives you just a few minutes to come up for air.

  • See your account information in one place
  • Follow your recent transactions
  • Transfer money between Excite Credit Union accounts
  • Move money from other financial institutions
  • Quickly pay a bill or loan
  • View images of your checks
  • View/Edit your profile information including phone numbers, address, and more.

Bill Payer

Stamps cost money. Making payments online is free. That’s just one way our Bill Payer service cuts your monthly costs.

  • Spend a lot less time writing checks and stuffing envelopes
  • Make one-time bill payments in a few minutes
  • Schedule payments that have to be made over and over – like utility bills – months ahead of time
  • Sign up for email or text reminders so you’ll never miss another due date

EStatements and ENotices

No one needs more paper in their lives. But everyone can make use of financial information at their fingertips.

  • Read your monthly account statements online or on mobile devices
  • Get your data days ahead of statements sent through regular mail
  • Download financial info to software to dive into your spending and saving habits
  • Receive electronic notices that alert you to account activity or credit union news

To sign up for EStatements, login to Online Banking and click on the Additional Services tab and select eDocuments. Follow the instructions that appear. If you need access to eStatements only, you can sign up here.

Please note: We updated our statement mailing address to our processors for better efficiencies, your statements will continue without disruption. Only returned mail is affected.

Money Manager

No need to hire some stranger to help your sort through your personal business. Our free online money management software can help you figure out the best way to move forward.

View this video to learn how to use the Money Manager tool.

  • Your Excite Credit Union accounts and accounts from other banks or credit unions can be viewed together—all in one place.
  • Each transaction is automatically categorized and tracked from your Excite Credit Union accounts, showing you where, when and how you spend your money.
  • Make budgets based on your spending history, income, debts and expenses. The colorful budget bubbles make it easy to view.
  • See all of your debts, along with corresponding balances and interest rates. This simple view gives you a clear picture of your financial situation.

Take an Online Banking Tour 

Here's how to get the most out of your Online Banking experience. 

See all your accounts in one place

With Online Banking, you can conveniently and securely view a summary of your account balances. Also:

  • Review recent transactions
  • Sort by transaction date
  • Transfer money
  • Make a payment
  • View images of your checks

Screen shot showing the My Accounts menu selected

Bill Pay

With Bill Pay, your payments are:

  • Simple. Make payments and review payment history.
  • Flexible. Make payments anytime, anywhere.
  • Pay virtually anyone – safely and easily.

Transfer Money

  • Transfer funds between your accounts
  • Fund transfers to Excite accounts other than yours (requires Banking Cross Account Request form)
  • Transfer funds to your accounts at other financial institutions1

e-Statements & eNotices

Choose e-Statements to reduce the risk of fraud and identity theft.

  •  View, print, and download your e-Statements from the last 18 months
  •  Receive automatic eNotices when your online statements are available.

Screen shot showing E Documents selected in the Additional Services menu

Online Banking FAQs

Members have the ability to register for Online Banking and Mobile Access by clicking on the Register button in the Online Banking Login section of the Excite Credit Union Home Page or the Register button in the lower left hard corner of the Excite Credit Union Mobile App. The Primary member will need to create a User Name and Password and enter some personal information to complete registration. Please ensure that you have your Excite Credit Union Member Number available at the time of registration.

Once the Primary Member has registered, they will log in and go to Additional Services and then Share Access with others. Then follow the prompts to add your Joint owner and they will be sent an email with additional instructions on how to get set up.  Access for Joint owners is only available for Online Banking and is not yet available on Mobile.

Click on 'Forgot Password.'

The system will require you to enter your registered phone number (The phone number your entered when you signed up for Online Banking.)

You will then receive a temporary password.

Use your temporary password to log in to your Online Banking account and then update your password.

Memo simply means the transaction is pending.

Whenever you use your debit card as a credit card the amount of the transaction is automatically placed on a pre-authorized hold. Once the merchant submits their paperwork through their processing vendor the hold amount drops off of your account and the actual transaction posts to your account. The hold will remain on the account for no longer than 3 days; however, can drop off sooner based on how quickly the merchant submits their work to their processing company. The amount of the pre-authorized hold is set by the merchant. Most merchants are dollar for dollar as they know the exact amount of the transaction at the time you are doing the transaction.

When you use your card at the pump at a gas station their system is simply making sure the card is valid as they have no way of knowing how much gas you will be pumping at the time of authorization. Most stations will hold only $1 to verify the card; however, some will hold $50 or $100 depending on their policy. The Credit Union has no authority over the merchants on the amount of the hold. You can bypass this hold if you take your card to their manned window and have them post an exact amount of gas that you wish to pump.

Click on the “Payments” tab within Online Banking and then select Bill Pay. Once you click on PAYMENTS, VIEW AND PAY BILLS the system will bring you to the PAYMENT CENTER. From this screen all you would need to do is enter the amount for each payee you would like to pay. The date will automatically pre-fill with the first possible pay date. This date will be the date the payee should receive the payment. This is also the date your checking account will be debited. You can select any date past the first possible date or leave this date in place.

Once you have entered all of the amounts you want to pay click on MAKE PAYMENTS at the bottom of the payees. A list will appear displaying these payments. If everything is correct click SUBMIT. When the PAYMENT CONFIRMATION screen appears click FINISHED. You will then be able to view your pending payments on the right hand side of the screen.

Payments scheduled using your Bill Payer Service can be sent out in 3 ways. They can either be transmitted electronically, based on the payee acceptance method, by corporate check or by draft.

A draft is a check sent from the Bill Payer provider; however, encoded as a check from your account. Drafts will clear from you account as any check you have personally written clears. Drafts check number start with 995.

Electronic payments or corporate checks will clear on the date you have set up for the payee to receive payment. If you set up a payment and select the date that automatically appears in the date field, the payment will be sent out to be received and debited from your account on that pay date. You can always select a date later then the automatic date appearing in the date field; however, you would never be able to select a date prior to that date.

If you have additional questions or concerns regarding this process please click on HELP located just above the MY ACCOUNTS button or call our office at 800.232.8669 between 5am and 6pm PST, press 0 and a service center associate would be happy to assist you.

Excite Credit Union is a full-service credit union with locations in San Jose, CA, Sunnyvale, CA, and Wilmington, NC.

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