Questions? We've Got Answers
Frequently Asked Questions
Enrolling in the new digital banking experience can be done in a few quick and easy steps.
- Start by selecting the “First time user? Enroll now” option on the website or mobile app.
- Enter a few pieces of personal information, verify your email address, add 2-step verification protection, and select your username and password.
- Gain access to your new digital banking experience dashboard.
Click here for a step-by-step instruction guide to download.
To enroll, you will need:
- Your last name
- Your full Social Security Number
- Your date of birth
- Your Tidemark member number (You can find it in your checkbook — it’s the 9-digit number just before the 4-digit check number along the bottom of your check.)
Make sure your contact information is up-to-date before enrolling.
If you receive an error message during enrollment or have had 5 failed attempts within 24 hours, your enrollment profile will be locked. There is no unlock feature, and you must wait for a 24-hour cool-down period or have your profile manually created by a Tidemark Member Service Representative.
During the initial transition period, Tidemark phones and branches may be inundated with assistance requests. If you are locked but do not require immediate access to your accounts, we ask you to delay contacting Tidemark to allow for more immediate access requests to be completed.
To access your banking information in the new digital banking experience a new username and password will be required. Existing online banking profiles will not be transitioned to the new digital banking experience platform.
Use Forgot Password to reset it securely.
After 9am EST, the mobile app will be available in the Google Play and Apple App Store for download and enrollment. Search Tidemark FCU Mobile in your app store.
The dashboard is your home base. It displays all Tidemark and linked external accounts, recent transactions, and quick access to features like transfers and budgeting.
The dashboard offers a clean and customizable view of your finances.
- Tap any account on the dashboard
- You’ll see a detailed view of balances, recent transactions, and more
- From here, you can access alerts, statements, and transaction tools
The Shared Access Feature will not be available during the transition period. If you have provided shared access to other people, such as a spouse, family member, or employee in the past, it will require Tidemark staff assistance to enroll the additional profiles.
During the initial transition period, Tidemark phones and branches may be inundated with assistance requests. We ask that you please delay contacting Tidemark until after October 15, 2025, for assistance in requesting shared access profiles.
- Recent bills or statements
- Account numbers
- Mailing addresses
- Payment schedules
Electronic payments and eBillers will be available to set up in Pay a Bill.
Recipients can claim their funds three ways:
- FI Direct - Used to transfer funds in real time where the sender and the recipient have accounts at the same financial institution.
- ACH – Allows recipient to deposit at other financial institutions by the next business day.
- Debit Card – Allows recipient to deposit at other financial institutions in real time for a flat fee of $1.50.
- Go to the account where the transaction occurred
- Use the search bar to locate a transaction
- Tap a transaction to view details
- You can upload a photo of your receipt or add tags
Use this to instantly move money between your own Tidemark accounts, such as Checking to Savings.
- Tap "Make a Transfer"
- Choose your "From" and "To" accounts
- Enter the transfer amount
- Confirm and tap "Submit"
Plan ahead with recurring transfers or future-dated payments between your Tidemark accounts.
- In the transfer setup screen, select a frequency (e.g. weekly, monthly)
- Choose a start date (like "Soonest Available" or custom)
- Confirm and tap Submit
- View upcoming scheduled transfers in the calendar
Send funds directly to another Tidemark member by entering their member information.
- Tap "Member Transfer"
Saved members and member-to-member menu - You will be prompted to re-enter your password or use biometric login for security
Credential verification screen - Enter the recipient’s:
- First 3 letters of last name (or business name)
- Member number
- Share type (select from list)
- 4-digit Share ID
Add New Member form - Optionally, save this contact for future use
- Confirm and submit
- Tap "Deposit Checks"
- Enter the amount
- Snap a photo of the front and back of your check
- Confirm the deposit
Mobile deposit screen showing photo capture and entry fields.
Pay A Bill
Use this feature to pay utility companies, credit cards, subscriptions, and any vendor that accepts mailed or electronic payments.
- Tap "Pay Bills" in your dashboard
Pay Bills dashboard with biller list and Add Biller option - Tap "Add Biller" and enter:
- Biller name
- Account number
- Mailing address (if required)
- Once the biller is added, tap their name to:
- View statement info
- Set up eBill or AutoPay
- Make a payment
Biller Detail screen with eBill, due date, and AutoPay setup - Enter your payment amount and date
- Confirm and submit
Pay a Person (P2P)
Send money securely to friends, family, or anyone using their phone number or email.
- Tap “Pay a Person”
- Tap “Add Contact”
- Enter:
- First/Last Name
- Phone or email
- Delivery method (ACH, text, email)
- Optional: Set up a security question the recipient must answer
Pay a Person main screen with recent recipients
Verify code screen
Add Contact form with delivery options and security questions - You may be asked to enter a verification code
- Tap "Save and Pay" to send
- Go to "Transfer Money"
- Select your Tidemark account and the external account
- Enter the transfer amount, date, and frequency
- Confirm the transfer
External transfer setup screen.
Yes. Tap the “Messages” or “Chat” icon to start a secure conversation. You can even share screens or upload files.
Yes, eligible loans will show a "Skip-a-Pay" option.
- Select the loan account
- Tap "Skip a Payment"
- Follow the prompts to confirm
-
Locate the transaction under your account
-
Tap to open the details
-
Choose "Dispute Transaction" and follow the steps
Transaction dispute screen with card and form details.
- Go to "Card Management"
- Lock/unlock your card, set alerts, manage spending limits, and more
Card management interface with toggles and settings.
- Tap "Travel Notice"
- Enter your destination and dates
- Submit your request
- Tap "Insights" or "Budgeting" from the main menu
- View your spending by category
- Create goals and monitor cash flow
Budgeting dashboard with spending visualization and goal tracking.
TRANSFER & LOANS
General
- Monday, August 10, 2026 — External transfers under the "Transfer" tab will be available until 4:00 PM. Please schedule any transfers before this time.
- Tuesday, August 11, 2026 — No external transfers should be scheduled during the system transition. Any scheduled transfers on this date will be processed on Wednesday, August 12, 2026.
- Wednesday, August 12, 2026 — The new "Transfer or Pay a Loan" tab goes live.
Yes. External accounts you have previously linked will be available in the new tab. You will not need to re-add accounts that were already verified.
Your full transaction history remains available in your account activity and on your statements. Transfer records from before the conversion may appear differently within the new tab.
Existing scheduled and recurring loan payments will transfer to the “Make a Transfer” section and not the “Pay a Loan” section. To take advantage of the many “Pay a Loan” payment features such as paying with a debit card or making principal payments, please access the “Pay a Loan” section to make schedule one-time or recurring payments. Please remember to cancel any recurring payments to your loan under the “Make a Transfer” section to avoid duplicate payments. Additional reminders will be provided to loan members after the new tab goes live.
Make a Transfer
External transfers are processed via ACH (Automated Clearing House). Funds are withdrawn from the sending account on the Send Date. Transfers submitted before 5:00 PM local time typically post to the receiving account the next business day. Transfers submitted after 5:00 PM may take an additional business day.
Note: When both the sending and receiving institutions participate in the FedNow® Service or RTP® network, transfers may be processed instantly.
You can add an external account two ways:
- Automated (recommended): Select "Make a Transfer," choose a To or From account, and select "Add External Account." Search for your bank and sign in using your online banking credentials via Trustly™, a secure third-party bank connection service. Select the account to link (accounts are added one at a time) and you will see a confirmation when complete.
- Manual: If your bank is not found in Trustly™, scroll down and choose to enter your account details manually. Provide your bank name, routing number, account number, and account type. A $0.01 microdeposit with a 3-letter reference code will be sent to your external account. Return the next business day to enter the code and complete verification. Important: If the code expires or is entered incorrectly three times, the account will not be verified and you will need to restart the process.
After selecting "Make a Transfer," enter the amount, choose your To and From accounts, add an optional memo, and set the frequency. Options include:
- One-time
- Weekly
- Every 2 weeks
- Twice a month
- Monthly
- Quarterly
- Every 6 months
- Annually
For recurring transfers, choose when to stop: until you cancel, after a specific number of transactions (up to 99), or on a set end date. Review the Schedule Transfer screen and confirm to complete.
Pay a Loan
Select "Transfer or Pay a Loan" and choose "Pay." Select the loan, choose or add a funding source, select a payment option, enter the amount if needed, set the frequency, and confirm.
When making a loan payment, you can choose from:
- Amount Due
- Minimum Amount Due
- Current Balance
- Total Amount Due
- Regular Payment
- Principal
Loan payments support all the same frequency options as transfers (one-time, weekly, monthly, etc.), plus these additional options:
- On a Fixed Day Each Month
- When Bill Arrives
- On Due Date
- Number of Days Before Due Date (choose 1–5 days)
Processing speed depends on your funding source:
- Debit card: Near Real-time processing.
- External bank account (ACH): Posts on Deliver Date selected.
Loan payments can be made from a linked external bank account or a debit card. To make payments from your Internal Tidemark account, continue to use the "Transfers" tab.
During the payment flow, after selecting your loan, choose "Add New Funding" > "Add External Account." You can:
- Use the automated flow via Trustly™: Search for your bank, sign in, and select the account to link. Accounts are added one at a time.
- Use the manual flow: Enter your bank name, routing number, account number, and account type. A $0.01 microdeposit will be sent (may take 1–3 business days to appear). To verify, go to Settings > Manage Funding, find the pending account, click "Verify," and enter the 3-letter reference code.
During the payment flow, choose "Add New Funding" > "Add Debit Card." Enter your card number, cardholder name, expiration date (MM/YYYY), CVV, and billing address (Address 1, Address 2, City, State, ZIP Code). You can assign a nickname to the card. Your card will be validated and immediately available for transactions.
Within the "Pay a Loan" section, you can view the following for each of your Tidemark loans:
- Current balance
- Amount due
- Minimum amount due
- Total amount due
- Regular payment amount
- Principal
- Interest
- Escrow (if applicable)
- Payment due date
Yes. When creating a loan payment, select a recurring frequency option such as "On Due Date" or "Number of Days Before Due Date" to automate your payments. You can set payments to continue until you cancel, for a set number of transactions, or until a specified end date.
