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Frequently Asked Questions

ViaConnect FAQ

What is the device detection?

For your security, you will be asked to enter a verification code when logging onto your account for the first time and with new devices.  This security feature is the new two-factor authentication that adds an extra layer of security to your account.

If I forgot my username, how can I get it reset?

To reset your username click “Trouble Signing In” and follow the prompts or contact us during normal business hours at 765.674.6631 to confirm your identity and recover your username.

If I have been locked out, how can I be unlocked?

You can reset your password by clicking “Trouble Signing In”, wait one hour and attempt to sign in again or contact us during normal business hours at 765.674.6631.

How do I access mobile applications?

  • iOS usersdownload the ViaMobile app by searching “Via Credit Union” or "ViaConnect" in the App Store.
  • Andriod users:  download the ViaMobile app by searching “Via Credit Union” or "ViaConnect" in the Google Play Store.

How does Mobile Deposit work?

To deposit a check using Mobile Deposit, follow these six simple steps:

  • Endorse back of check with your signature AND "For ViaCU Mobile Deposit"
  • Select "Deposit" from the bottom menu
  • Take photo of front and back of check
  • Enter the amount of deposit
  • Submit the deposit
  • Confirm the account, amount and images

Mobile Deposits will instantly be credited to your account. Up to $225 of the deposit is available immediately, any amount over $225 in a day will be placed on hold for two business days. All deposits are subject to verification. If your check is not accepted, you will be contacted. Finally, it is important to securely store your check for 60 days after depositing. 

By using this service you agree to the Remote Deposit Capture Agreement

eDocuments FAQ

  • eDocuments are available up to 12 months
  • You must complete the Test Drive to ensure you are able to view the new PDF eDocuments
  • You may now download your eDocuments as a PDF

How to complete the Test Drive?

Sign into ViaConnect and select eDocs from the menu.  Select “Manage Preferences”, enable all accounts you'd like to sign up for eDocs, then read and accept the “Terms and Conditions”. Now click “View Statements” and select the account you want to view the eDocuments for. Complete the Test Drive by entering the code that appears in the PDF.  By completing the Test Drive, you are verifying that you able to open and view your eDocuments successfully.

How do I download my eStatements?

Select the eStatement you would like to view and then simply click the download arrow in the top right corner to open or save the PDF.

SavvyMoney FAQ

What is SavvyMoney Credit Score?

SavvyMoney Credit Score monitors your credit report daily and informs you through digital banking and by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

What is SavvyMoney Credit Report?

SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of current or previous loans, accounts and credit inquiries.  You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like Credit Score, when you check your credit report, there will be no impact to your score.

What is the Score Simulator tool?

The Score Simulator is an interactive tool that allows you to select various actions to learn ways to improve your score. Different actions, like paying off a credit card balance might make your score move up or down and see ways you can save money on new and existing loans with us. Just like checking your credit score through SavvyMoney, using the simulator does not affect your actual credit score.

Is there a fee?

No. SavvyMoney is entirely free, and no credit card information is required to register.

How often is my credit score updated?

Your credit score will be updated every 7-days and displayed within ViaConnect. You also have the ability to refresh your credit score and full credit report every 24-hours by clicking “Refresh Score” by navigating to the detailed Credit Score Dashboard from within ViaConnect.

How does the SavvyMoney Credit Score differ from other credit scoring offerings?

SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

Why do credit scores differ?

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical but should directionally be similar.

Will ViaCU use SavvyMoney Credit Score to make loan decisions?

No, ViaCU uses its own lending criteria when making final loan decisions. However, the SavvyMoney tool can show you estimated savings opportunities on new and existing loans. Final rate, term, monthly payment, and other factors will be determined at the time of application.

How does SavvyMoney Credit Score keep my financial information secure?

SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

If ViaCU doesn’t use SavvyMoney Credit Score to make loan decisions, why do we offer it?

SavvyMoney Credit Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with ViaCU.

What if the information provided by SavvyMoney Credit Score appears to be wrong or inaccurate?

The SavvyMoney Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Consumer Financial Protection Bureau website offers step-by-step instructions on how to contact the bureaus and correct errors.

There is a section on the site that features both ViaCU product offers and financial education articles. Why am I seeing this?

Based on your SavvyMoney Credit Score information, you may receive ViaCU pre-qualified offers (invitation to apply) on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have or can save you money on your monthly payments. The educational articles, written by Jean Chatzky and the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely.

Will accessing SavvyMoney Credit Score ‘ping’ my credit and potentially lower my credit score?

No. Checking SavvyMoney Credit Score is always a “soft inquiry”, which does not affect your credit score.  Typically, lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Does SavvyMoney offer credit report monitoring as well?

 Yes. After you have enrolled in Credit Score for the first time, SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile. The alert emails will come from  When applicable, you can also find these monitoring alerts within ViaConnect.

Am I able to choose which emails I receive from SavvyMoney?

Yes, you can easily choose when SavvyMoney contacts you. Navigate to the “Resources” tab and then under “Profile Settings” you can choose which email notifications you receive. SavvyMoney sends out three types of emails: Credit Monitoring Alerts, General Messages and Monthly Notices. You will be automatically enrolled in all email communications and can easily unselect the specific email types you wish to not receive.