Online and Mobile Banking

Frequently Asked Questions

What is MYCVF Mobile?
MYCVF Mobile is an app that you can download to your smart phone. You can perform transactions on your Catholic Vantage Financial accounts, view account information, search ATMs and branches, apply for a loan, and more.

Are there fees to use MYCVF Mobile? We do not charge a fee to download or use the MYCVF Mobile app. However, you should contact your wireless service provider to see if connectivity or usage rates apply. Fees we disclosed in your Catholic Vantage Financial Online Banking and Account Agreement(s) will still apply.

Do I have to be enrolled in Online Banking to use the MYCVF Mobile app with check deposit?
You must first be enrolled in our free Online Banking service in order to access your account information and perform transactions including mobile check deposit using MYCVF Mobile. If you’re not enrolled in Online Banking, stop by our office or call (734) 432.0212 during business hours. Mobile check deposit requires that your Online Banking be activated at least 24-hours in advance of your initial deposit.

Do I use the same User ID and Password for the MYCVF Mobile app that I use for Online Banking?
Yes! The User ID and Password to get started on MYCVF Mobile will be the same User ID and Password for Online Banking.

How do I start using my MYCVF Mobile?
Simply go to the download the free MYCVF Mobile app from iTunes or visit our website at www.mycvf.org. For WINDOW phones go to Http://m.mycvf.org.  Once you have successfully downloaded the app, simply login using your Online Banking User ID and Password. The first time you log in, we’ll prompt you to verify that you own the accounts you want to access from the specific device you have downloaded the app to. To do this, we will send you a ONE TIME PIN (OTP) which you will receive by email. When you receive your OTP, use it to complete the identification process and log in to the MYCVF Mobile app.

How many incorrect login attempts does it take before access to the MYCVF Mobile app is locked?
For security purposes, we’ll lock access to the MYCVF Mobile app after the third invalid login attempt. To reset your Password, contact our Member Service Department at (734) 432-0212.

My app session timed out. Why did this happen?
For security reasons, your app session will time out after 5 minutes of inactivity. To avoid timing out, please ensure you’re active in the session after you’ve logged in.

Which accounts are available through MYCVF Mobile app?
You can see the same accounts through MYCVF Mobile that you view in Online Banking.

What can I do with my Mobile app?
Some features are available only for eligible accounts. Some restrictions may apply.

Using your Mobile app, you can:

• See account and loan balances and transaction history: Your account details are available at your fingertips. Catholic Vantage Financial VISA and Mortgage balances are also available.
• Transfer money: You can transfer funds between eligible accounts.
• Graphs: See spending and saving patterns with our expense and balance graphs.
• Pay bills: Enrolling with Bill Pay Service and establishing new payees must first take place using a desktop computer. Once payees are established you can schedule payments through MYCVF Mobile.
• Pay your Catholic Vantage Financial VISA credit card: Transfer a payment from your Catholic Vantage Financial account.
• Search for ATMs: You can search for thousands of surcharge-free ATMs
• Search for Branches: Locate the nearest branch or CU Shared Branch location.
• Order Checks
• Link to VISA transaction information
• Read the latest newsletter and special offers
• Find contact information and office hours
• Deposit checks

How Do I Make Mobile Deposits?

• To properly endorse a check for Mobile Deposit
  Beginning July 1, 2018, checks must be properly endorsed as follows:

• Payee’s signature. Payee must be listed on account.
• Account number.
• Add “For CVF Mobile Deposit Only”.
• Checks that are not properly endorsed as stated above will not be accepted for deposit. See sample below:

• Place the check on a flat surface. Ensure that the surface contrasts with the color of the check.  A solid dark background against a white/light colored check works best.
• Take a photo of the front and back of check. Follow the prompts.
• Make sure that you have ample lighting and avoid using the flash on your camera. If the camera is triggering the flash, then you need more light.  Also, be careful of any shadows being casted on the check if using lighting from directly overhead.
• Ensure that your camera lens is clean.
• Once deposited, keep your check in a secure area for at least 2 weeks to ensure that your deposit has been credited to your account. Once you confirm it has been deposited, destroy the check.

Can I access the MYCVF Mobile app without my Online User ID and Password?
For your security, we always ask you to use your Online User ID and Password to access the MYCVF Mobile app

What is multifactor authentication?
When you first attempt to login using the MYCVF Mobile app, we’ll ask you to verify that you own the accounts you want to access. To do this, we will email you a ONE TIME PIN when you sign on to a new device. The email address will be the same one that you used when you registered for Online Banking. When you receive your ONE TIME PIN, use it to complete the identification process and log in using the MYCVF Mobile app. This helps protect your accounts from unauthorized access, even if someone has your login credentials.

Can another app on my device access information from the MYCVF Mobile app?
Other apps on your device can’t access information from the MYCVF Mobile app. Mobile apps are independent from one another. This means the data contained in one app is not visible to any other app on your device.

Security
Wi-Fi hotspots in coffee shops, libraries, airports, hotels, universities, and other public places are convenient, but often they’re not secure. Use caution when you connect to a Wi-Fi network, and send information through websites or mobile apps as it might be accessed by someone else.

Is there a threat from malware and viruses to my mobile device?
Malware and viruses are potential threats on any computer system, including mobile devices. In order to protect your mobile device from malware and viruses, you should follow some precautionary steps:

• Always keep apps on your device up to date, as the publisher might have found vulnerability and updated the app to fix it.
• Use only the well-known app stores such as Google Play and iTunes to download new apps, and only download the apps that come from well-known publishers and have high review scores.
• Avoid rooting your phone, which manipulates your device’s operating system and may make it more vulnerable to malware and viruses.

Should I be concerned about phishing from my mobile device?
Conceptually, phishing is the same on a mobile device as it is on your computer: A fraudster uses a fake website to capture your personal information. Always verify the entire URL before entering your personal information on any website. This may be challenging on a mobile device, since the small screen makes it more difficult to confirm the entire URL in the address bar. To be safe, always make sure the lock icon appears next to the browser address and that the address begins with “https.” The “s” indicates that you have a secure connection.

What is a spoof or fake app in an App Store?
A spoof is an app created to look like the official MYCVF Mobile app. This is similar to phishing, but it’s performed through an app instead of a website. To avoid downloading a spoof app, always use the official app stores (Google Play, iTunes, Amazon App Store), to download or update the MYCVF Mobile app and confirm that Catholic Vantage Financial is the publisher.