Digital Conversion Guide

1. Go to the Virtual Branch Next (VBN) login screen. On the right-hand side, click on Enroll in online banking.
2. Complete reCaptcha as prompted
3. Enter your member information:
   • Enter your member number under Member ID (if your member number is less than six digits, enter leading zeros: Example 003456)
   • Enter the last 4 digits of your SSN under PIN
   • Enter the street number of your address (Example: 1156 for 1156 Kennebec Drive, or 356 for PO Box 356)
4. Create your new login credentials:
   • Enter the New Logon ID/username you want to use (you will not be permitted to use your member number)
   • Enter New Security Code/password
   • Re-enter Enter Security Code
5. You have successfully enrolled!
   • Click OK
6. Sign in with your new information (you must log in for the first time before exiting):
   • Enter your new Logon ID
   • Enter your new security code
   • Click Log In
7. Set up your Security Questions:
   • Select three questions and enter answers that will be easy for you to remember but hard for others to guess
   • Click Save
8. Accept Online Banking Terms & Conditions
9. Complete your profile:
   • Enter email address and retype to confirm
   • Enter your mobile number
   • Click on Save
10. You are now enrolled in VBN Online Banking!

1. Download the 1^st Ed CU app from your device’s app store
2. If you have already re-enrolled via Virtual Branch Next you can log in as usual. You will only need to enroll once.
3. If you have not yet re-enrolled, click on Enroll Now on the app landing page
4. Complete reCaptcha as prompted
5. Enter your member information:
   • Enter your member number under Member ID (if your member number is less than six digits, enter leading zeros: Example 003456)
   • Enter the last 4 digits of your SSN under PIN
   • Enter the street number of your address (Example: 1156 for 1156 Kennebec Drive, or 356 for PO Box 356)
6. Create your new login credentials:
   • Enter the New Logon ID/username you want to use (you will not be permitted to use your member number)
   • Enter New Security Code/password
   • Re-enter Enter Security Code
7. You have successfully enrolled!
   • Click OK
8. Sign in with your new information (you must log in for the first time before exiting):
   • Enter your new Logon ID
   • Enter your new security code
   • Click Log In
9. Set up your Security Questions:
   • Select three questions and enter answers that will be easy for you to remember but hard for others to guess
   • Click Save
10. Accept Online Banking Terms & Conditions
11. Complete your profile:
    • Enter email address and retype to confirm
    • Enter your mobile number
    • Click on Save
12. Return to the App Landing Page
13. Enter Logon ID & security code
14. Accept Mobiliti Terms & Conditions
15. You are now enrolled for Mobiliti & VBN Online Banking!

1. Log into Mobiliti (see enrollment instructions for help if you have not yet re-enrolled)
2. After logging in, click Enroll Now in the Payment Enrollment screen
3. Read the Terms & Conditions, then click Enroll to accept & proceed
4. Click Enroll after reviewing the service information & what you can do with CheckFree
5. Click on Transfer & Payment at the bottom of your screen to begin adding merchants and paying bills

Manage your cards within our online and mobile banking platforms with 1st Ed’s SmartWallet! You will have access to real-time card information including transaction history, pending activity, payment information, custom alerts, and more. Plus, take control of your card with the ability to turn your card off and on temporarily, add travel plans, and much more!
Click here for more information, including features and how to access SmartWallet.

Instructions for Apple devices:

• Open SmartWallet, navigate to your desired card, and tap the “Add to Apple Wallet” button. You will be prompted to add your card information and to read and accept the Terms & Conditions in your device’s settings. After you have confirmed your card, you can set a PIN within our mobile banking app. You can now begin using your card with Apple Pay.
• If the “Add to Apple Wallet” button does not appear, you can add your card within the Apple Wallet app. Open your Apple Wallet, click the “Add” button in the top right corner, and choose “Debit or Credit Card.” Enter your card information, read and accept the Terms & Conditions, and verify your card if prompted to do so. You can now begin using your card with Apple Pay.

Instructions for Google:

• Open SmartWallet, navigate to your desired card, and tap the “Add to Google Pay” button. Press continue, set a PIN, and follow the prompts to begin using your card with Google Pay.
• If the “Add to Google Pay” button does not appear, you can add your card within the Google Wallet app. Tap the “Add” button at the bottom, choose “Payment Card”, then “New credit or debit card”, and enter your card details. Tap “Save and continue”, then accept the Terms & Conditions, and complete the verification process if prompted. You can now begin using your card with Google Pay.

• Log in to your Online Banking account
• Click on eStatements
• Click the “Sample PDF” link to verify that your device will support eStatements (you should see a sample document if your device is compatible).
• If you are able to view the Sample PDF, click Agree to enroll in eStatements.
• To view your eStatements, click the same eStatements link within Online Banking. You will be prompted to select your member ID from a dropdown menu (your member ID may differ from your member number). Choose and click continue.
• Your browser will open a new tab. Click Select and then choose the eStatement you wish to view.
• Your document will open in a separate window.

• Log in to your Online Banking account
• Open Mobile Settings 
• On the SMS Services tab of the Services & Devices screen you will see all mobile devices you have added. You will need to add your cell phone number to access Mobile Deposit.
• Click on Add Mobile Device
• Enter your cell phone number, then click save.
• You will receive an activation code. Enter the code sent to you via text and click Activate.
• You have now registered your device for Mobile Deposits!

Yes, you will need to download our new 1st Ed CU Mobile app from your device’s app store to continue using mobile banking. As of 5 PM EST on March 4, 2024, our old mobile app will no longer be available.

Your automatic transfers between your accounts at 1st Ed (for example: transfers between deposit accounts, to loans, etc.) will still occur as scheduled, but will not be available to view in Virtual Branch Next. Since your transfers will still be in place, please do not add them again within VBN since this will lead to a duplicate transaction. Please contact 1st Ed for any changes to existing scheduled transfers.

This only applies to recurring transfers that you have scheduled between your accounts at 1st Ed. ACH transfers will not be impacted.

You can contact our Customer Support Center call line at 833-810-1274.