Get familiar with online banking.

Watch the videos below for an overview of online banking, or click through the accordions to learn more about Online Banking, including how to login and the different features you’ll have access to after registering.

Online Banking with Harvard FCU

YouTube video

How to Login to Online Banking

YouTube video

First time logging in? Follow these steps.

Getting Started

Click the Login button located at the top of this page.

Get started with Harvard FCU online banking


On the login screen, click the “Register” button on the right side of the screen.

Register into Harvard FCU online banking

Accept Disclosures

To accept the disclosure, check the box next to “I Agree” and click “Continue.”

Accept disclosures on Harvard FCU online banking

Confirm Your Identity

To move forward with the enrollment process, you’ll need to provide the following information:

  • Member Number
  • Social Security Number
  • Date of Birth
  • Pin (last 4 digits of your SSN)

Then click “Continue”.

Confirm ID on Harvard FCU online banking

Having trouble locating your number? No worries! Give us a call at 617-495-4460 and in most cases we can provide it over the phone.


Choose a username and enter it in the field provided, then select an email address or mobile phone number where we should send your temporary password and click “Continue.”

Choose username in Harvard FCU online banking

Temporary Password

When you receive your temporary password, put it in the field provided and click “Login.”

Set temporary password on Harvard FCU online banking

New Password

Enter a new password that meets the onscreen requirements and click “Continue.”

Set new password in Harvard FCU online banking

Confirm Your Information

Verify your phone number and email address are correct and click “Continue.”

Confirm contact info in Harvard FCU online banking

Enable Two Factor Authentication With a Third Party

  1. Go to “Settings” and then “Security” (this must be done on desktop)
  2. Under “Two-factor Authentication”, enable “Authentication App”
  3. You will see a QR code that will appear. Scan it with the authentication app of your choice on your phone and follow the instructions on the screen.


You are registered and can bank with Harvard FCU online.

Harvard FCU online banking registration complete

Once you’re logged in, use these widgets to navigate your Online Banking account.

The Dashboard within Online Banking provides a collection of information about your accounts, announcements, alerts, and promotions. It is the hub of everything! The dashboard is made up of many different content panels and each content panel provides a different set of information.

  • For example, the Accounts panel provides balance information about your accounts.
  • Recent Activity provides information about recent account related activities which may include transfers, new messages, account alerts, login activity, savings goals completed, and bill payments.
  • Future Activity provides information about scheduled transactions related to your accounts. Upcoming transfers and pending transactions can be displayed.
YouTube video

The Accounts widget in the left menu within Online Banking allows you to view all of your accounts in one place! This section includes transactions, account details, and analytics.

  • View additional account details by selecting an account in the left pane and then choosing the Account Details tab at the top of the right pane.
  • Transaction history allows you to view transaction history for a specific account or a group of accounts. Selecting an account in the left pane displays account history (transactions) in the adjacent pane.
  • Selecting a transaction description or category displays the Transaction Details The Transaction Details screen allows you to add notes to the transaction and categorize the transaction.
  • Balance History Analytics displays a graph of the selected account’s balance over the specified date range.
  • Spending Analytics displays a breakdown of categorized expenses over the specified date range.
YouTube video

You can very easily transfer funds using the Transfers widget in the left menu within Online Banking.

  • Click the Quick Transfers tab to transfer funds between your accounts using a simple 4 step process: chose your source account, chose an amount, choose your destination account, and select Make Transfer.
YouTube video

Click the Classic Transfers tab to transfer funds to your accounts, pay loans and schedule future or recurring transfers. Recurring transfers repeat according to a specified schedule.

YouTube video

Click the Scheduled Transfers tab to view information about transfers that have not yet been executed.

With Online Bill Pay, paying your bills from a Harvard FCU checking account is quick, easy, and secure. To access Bill Pay, click the Bill Pay widget on the left menu within Harvard FCU Online Banking.

View setup instructions and more information.

Select the My Credit Card widget in the left menu to view detailed card activity and manage preferences for your Harvard FCU credit cards. From the Card Center, you can view transactions and statements, make payments, access your rewards, and more.

Note: You will need your credit card number the first time you access My Credit Card.

Discover the perks of a Harvard FCU credit card

In addition to being more eco-friendly, eStatements are more convenient! You’ll get your monthly statements faster than with traditional mail and have on-demand access to view and download up to 18 months of statement history.

Click here for more information and instructions on switching to eStatements

YouTube video

To personalize your Online Banking experience, click on the arrow in the top right of Online Banking and select “Settings”.

Within the Settings area, you can customize several areas within Online Banking.

  • The Profile settings can be used to personalize and secure the online banking experience.
  • Use the Widgets settings to adjust what and how you access functionality within online banking. You may select favorites and reorder widgets.
  • Within the Security settings you can configure your security information such as username, password, and two-factor authentication.
  • Use the Accounts settings to adjust the way accounts are displayed throughout the online banking system. You can re-order accounts, nickname accounts, hide accounts, etc.
  • Notifications alert you to different events related to online banking and your accounts. The Notifications tab displays a list of the Online Banking notification options. For each notification type, Online Banking displays the icons that indicate which delivery methods you have enabled (SMS, email, or both).
  • Use the Contact settings to update your address, email address, and phone number. You may also select your preferred contact email here.
  • Use Shared Access when you want to share your accounts with users within the Financial Institution or users outside of the institution.
  • Themes allow you to personalize the look and feel of online banking.

NOTE: For a computer to be activated for future use, cookies must be enabled within your browser. Visit our support center for more information.