If you’re looking to save time doing your finances, everything you need is as close as your keyboard. iQ offers a full range of convenient, time-saving online banking services. They’re easy to use. Accessible from any computer. And ready whenever you are.
iQ Credit Union has introduced a new benefit that presents you with money-saving opportunities at various merchants. You can view these offers within Online Banking on the checking Account Activity page. To make this benefit available to members, iQ has partnered with Truaxis, Inc. and our online banking service provider.
How do Statement Rewards work?
Debit card purchase and checking activity is matched to offers from merchants in categories that are relevant to you. The transaction activity used to provide these offers is anonymous and does not contain any personally identifiable information.
Statement Rewards come in several forms
- Coupons are discounts that take effect when you complete a purchase with a merchant.
- Electronic gift cards are pre-paid in nature. You purchase one at a discounted price to be redeemed at a later date.
- Cash Back incentives are where you spend a specific amount using your iQ debit card and receive a cash back credit.
- Future rewards, including cash back, are rewards that you will be eligible for once you meet a benchmark, such as spending a specific amount or visiting a merchant a set number of times.
View you Statement Rewards two ways
- A headline appears under a relevant transaction on your checking Account Activity page in Online Banking when a reward becomes available. Click the headline to learn about the reward.
- Click the Statement Rewards image on your Account Activity pages to access the rewards dashboard. The dashboard shows all rewards available to you, including rewards you've purchased. It also includes all the information that is needed to redeem offers.
Personalize your rewards
Every reward allows you to give feedback by clicking "Like" (thumb up) or "Dislike" (thumb down). Providing feedback in this manner will allow the program to further refine the rewards selected for you in the future.
Get started today
How to opt out
If you wish, you may opt out of Statement Rewards from the Settings page of the rewards dashboard. The Statement Rewards image will continue to display so you may use the dashboard if you decide to opt in again in the future.
Online Banking is a quick and easy way to take care of your finances, letting you access your iQ Credit Union account information 24/7.
Get up-to-the minute account balances, view canceled checks, transfer funds and more. All free. Take a tour and check it out for yourself.
You're already online, so simply take the next step and sign up today.
Once you've signed up, you can log into Online Banking from any page on our website by clicking on "Online Banking Log In".
It is important to understand that if you are the only person listed on your iQ Credit Union account(s), you are the Primary Member. If you have a joint account, upon opening the account(s), you were asked who the Primary Member would be. This is the person who is listed first on your statements and it is the Primary Member who will register for Online Banking.
Enhanced security for your protection.
For security reasons, challenge questions are used for authentication. Beginning July 10th, in addition to your existing challenge questions, we are adding a whole new level of safety and protection to your account. The reason? Thieves are becoming smarter than ever, and it's our job to make sure we're several steps ahead of them, keeping your hard-earned money safe and sound.
Whenever you use Online Banking, the system automatically measures the riskiness of your transaction. Transfer money between iQ Credit Union accounts, for example, and the transaction goes right through. Try and send money to a company you have never dealt with before, however, and you will be stopped by security. When that happens, one of two new methods will be used to validate your identity.
Here, you are asked a series of three multiple-choice questions about the primary account holder that are pulled from public databases. Examples of questions would be "which of these four streets have you lived on," or "which age range does your sister fall into." The questions will be easy for you to answer — but difficult for someone committing fraud to answer. Click the correct answers and the transaction goes through. Answer incorrectly, or too slowly, and the transaction will be stopped.
Please note that the questions and answers relate to the Primary Member.
Cell phone authentication.
Another option is to select an on-screen phone number and click either "Call my phone" or "Send me a text message." Using the primary account holder's phone, office or cell phone (whichever number we have on file), you will enter a code and click submit. Answer correctly and the transaction goes through. Answer incorrectly, or too slowly, and the transaction will be stopped.
Please note that the phone numbers shown on-screen relate to the Primary Member.
Online Bill Payer provides a safe, secure and easy way to pay all of your bills electronically with a few simple keystrokes — free. you can even schedule monthly payments to be made automatically.
With eDelivery you can view your monthly statements online — for up to 12 months — then print as needed. So there’s no waiting by the mailbox or worrying about theft if you’re away. You’ll be notified by email when your statement is ready.
Get In Touch With eAlerts
With eAlerts, you're always in touch with your iQ accounts. eAlerts are free, electronic messages about recent account activity delivered by e-mail or text message to your cell phone. Get alerted when:
- Your account balance goes above or below your pre-selected amount
- A deposit posts
- A debit(s) occurs
- Daily balance update
- A payment posts
- Your Line of Credit is accessed
- and more....
Sign up for eAlerts now! Then, log in to your account using Online Banking to set up and activate your alerts. It's that simple! What are you waiting for? Sign up today!
eAlerts are fast and free
The eAlert service monitors your account 24 hours a day and periodically (usually every 30 minutes) sends notification of account events you've selected. It's faster than the mail – and it saves you from finding out on your own. There's no fee for the eAlerts service and there is no limit to the number of eAlerts you can select.
eAlerts keep you in touch with your accounts. Please note, though, that eAlerts:
- Do not prevent account events from occurring.
- Are issued only once per account event you select.
- Cannot be guaranteed to be issued or arrive within a certain time period of any account event.
While we make every effort to deliver the eAlert notifications you select in the most timely manner available, the unpredictable nature of unsecured Internet communication prevents us from being responsible in any way if notification is received late or not at all.
Online Information Desk
Information desk is the place to find branch hours, ATM locations and answers to dozens of frequently asked questions. Following free registration, you can submit an account-specific question in a secure format and get a response within six business hours.
If you're not signed up for the free Online Banking service, call 360.695.3441 or 1.800.247.4364. You can also sign up within Online Banking.