Digital investing means having the power to shape your financial future right at your fingertips. Because the InvestiFi digital investing platform is available within your Mobile Banking experience, it’s never been more accessible to secure your place in the markets. Whether you’re using a desktop, laptop, or mobile device, the user-friendly tools for acquiring the securities of your choice are waiting for you.

You can access the Heritage Valley Federal Credit Union Personal Investment Portal in our Online Banking or Mobile Banking App. Login to Online Banking to find it.

InvestiFi is a fintech company based in Delaware that was founded in 2020 with a goal of democratizing investing by enabling direct investing from an existing account. InvestiFi’s investment advisory services are provided through AdvisiFi, LLC, a registered investment adviser wholly owned by InvestiFi. Brokerage services are provided by InvestiFi Securities LLC, a registered broker-dealer.

Heritage Valley has partnered with InvestiFi to integrate its digital investing platform into our Online Banking experience. This allows you to access InvestiFi’s learning and investing tools directly from within your banking interface and to invest directly from your checking or savings accounts without having to transfer money to a third-party app.

No. Only account holders over the age of 18 and in good standing with Heritage Valley can buy, sell, or hold assets. Commercial accounts are not supported.

In investing, a “security” is an investment instrument such as a stock or bond.

No, trades can only be placed during market hours, 9:30 AM – 4:00 PM Eastern time on non-holiday weekdays. InvestiFi Securities and RQD do not permit after market hours orders. 

Buy orders are executed in near real-time. For buy orders, you will see your investment reflected in your portfolio within a few minutes after purchase. With sell orders, you will typically see the proceeds from your sale around two business days from the date the order was executed. 

Yes. You are able to sell your stock immediately after you buy it. However, please know that the settlement period is the time it takes stocks or cash to reach their new destination after a transaction is executed. Settlement typically occurs the next business day but could take up to two business days. Thus, the proceeds from your sell transaction will not be available to use for purchase of securities or withdrawal on the same day. 

No. Since all trades are market orders, they typically cannot be canceled once the order is placed. For more information, please review the InvestiFi Securities Customer Agreement. 

Self-Guided Investing is when you, the investor, personally manage your investment portfolio instead of relying on a financial advisor. This hands-on approach involves doing your own research to select and trade a variety of assets, such as stocks, bonds, ETFs, and mutual funds, through an online brokerage platform. Self-directed investing offers greater control and potentially lower costs, but it requires financial literacy and takes time to understand market dynamics and develop a sound investment strategy.  

The minimum buy order amount is $1.00. And minimum sell orders are only $1.10.

Yes, with securities you can. Please contact InvestiFi Security LLC to receive an Account Transfer Form. Please have ready your most recent account statement for the assets you wish to transfer.

Email:  support@investifisecurities.com 

Call:  1-888-255-2740 

Your financial institution does not provide tax advice. For specific questions, you should contact a tax professional. You can find your consolidated transaction history in the documents section of the investment portal which can be used as a record of gains and losses received from trades.

If you would like to add a beneficiary to your securities account, simply call our InvestiFi Securities support team at 1-888-255-2740. We will provide you with the beneficiary designation form by email. Once completed and returned, we will add the beneficiary to your account. 

If an account holder passes away, the account will be frozen until the named beneficiary claims the account or it is resolved through probate. Please note, InvestiFi Securities does not liquidate the account and send the funds back to Heritage Valley. For this reason, it is highly recommended that you add a beneficiary directly to your account. 

For brokerage-related questions, please email support@investifisecurities.co or call 1-888-255-2740. We are equipped to address general inquiries and assist with the resolution of technical issues. We do not and are not able to provide financial or tax advice/consultation. 

InvestiFi Inc. has achieved SOC 2 Compliance, an enterprise-grade best practices standard for protecting customers’ data.

Measures taken to achieve this designation include:

• Network and application layer penetration tests performed by industry leading security firms
• Continuous security control monitoring using the highest possible standards
• Data encryption for in-transit–using TLS–and at rest
• Secure software development through a variety of manual and automatic data security and

vulnerability

• Employee training for all staff on employing best practices when handling customer data