Questions? We've Got Answers
Frequently Asked Questions
On the scheduled transition day:
- Online Banking will automatically update to the new site platform.
- If you use our Mobile App, the current App will be disabled and removed from the app stores. You will need to download the new Tidemark FCU Mobile app from your app store.
You will need to log in to our new platform to continue managing your accounts online.
Deactivation of our current online banking system and activation of our new digital banking experience will occur as follows:
- Current Online Banking and Mobile Banking access will end at 6am on October 7, 2025.
- Maintenance for upgrading to the new Digital banking experience to last an estimated 2 hours.
- New digital banking experience access available after 9am on October 7, 2025.
A timeline of important transition dates and times is listed below to help you prepare for moving to our new digital banking experience. Click here for a quick and easy Tidemark Transition Checklist.
October 02, 2025, five days before transition:
- Make sure contact information is up to date.
- Revie transition date and mark your calendar.
- Download or print recent statements and payment history, as needed.
- Bill Pay Users: make a list of Payees details and scheduled payments.
- Review FAQ regarding instructions for logging into the new digital banking experience.
- Remind yourself that the “Tidemark FCU Mobile Banking” App will soon be removed.
- New User Registration and New Bill Pay Registration will be disabled on October 3, 2025 at 10am EST.
October 6, 2025, day before transition:
- Complete or record any scheduled transfers and payments.
- Scheduled Transfers disabled at 1pm EST.
- 3rd Party Vendors such as Bill Pay, Remote Deposit, Zelle, Funds Transfers, Check Reorder, Account Opening, Turbo Tax disabled at 5pm EST.
October 7, 2025, day of transition:
- Current Online Banking and Mobile App access ends at 6AM EST.
- NEW Digital Banking Experience is accessible after 9am EST.
- Download the NEW mobile app. (see Enrollment FAQ)
- Enroll in New Digital Banking. (see Enrollment FAQ)
After Transition:
- Set up Bill Pay, Transfers, and Account Alerts again as needed.
Contact Member Services if you encounter any issues.
Statements and cross-account statements may not be accessible together on the same statements page during the transition.
Access your statements by selecting the Accounts Menu Tab, select one of your primary accounts then select the Statements and Notices button.
Access cross-account statements by selecting the Accounts Menu Tab, select one of the cross-accounts listed then select the Statements and Notices button.
To provide the best experience for all members, account nicknames will not transfer. After you have completed enrollment, access the account share you wish to rename, select the Settings button, then click rename.
Yes. Every member must create a new username and password to access digital banking.
If the username is an email address or account number, a new username will be required. The username must begin with a letter and may not contain special characters. If the username selected is available, the new digital banking experience will allow you to proceed.
Only one person per account may complete the initial enrollment. Like first-come, first-served, any owner or authorized signer of the account may complete the initial enrollment, but any additional owner or authorized signer will not immediately be able to also enroll. Please refer to What if I shared access to my account via the Shared Access Feature? for more details on enrolling additional profiles.
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.
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 new 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.
Bill Pay Payees and scheduled payments will not transfer to the new digital banking experience.
Please refer to What dates and times should I be aware of? General FAQ question and download, print, or make a list of your Bill Pay Payees. We recommend including the Payee’s account details, address, and payment amount be saved for easy re-entry into the new Pay A Bill program.
- 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
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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.
