MCU Mobile Banking Frequently Asked Questions (FAQs)
What is Mobile Banking?
Mobile Banking gives you another way to access your account information using your mobile phone. Depending upon your preference and your phone's capabilities, you can access your account information through your phone's Web browser or by a downloadable Mobile Banking application. Both options allow you to view account balances, transfer money between accounts, view your account history, and send secure messages to MCU.
I'm not enrolled in mcu@home banking. Can I still use mobile banking?
No, you must enroll in mcu@home banking because you will use your mcu@home password to enroll in mobile banking.
How much does this service cost?
MCU provides mobile banking services to Ultra and e-Connect Advantage members for free.
Plus Advantage members who have e-Statement receive this service free too; otherwise it's only $1.00/month, if used. For Smart Start Advantage members, mobile banking is only $1.00/mo if used.
Is it secure?
Yes, mobile banking is fully encrypted using industry standard 128-BIT SSL (Secure Socket Layer). We do not allow any account passwords to be stored on your phone for security reasons.
All data transmitted during the use of Mobile Banking, is protected by this 128-BIT SSL encryption technology, providing one of the highest levels of security for protecting confidential data transmissions. The encryption process converts all transmitted information into strings of unrecognizable data, so even if the data transmission were to be intercepted and recorded, no sensitive information could be retrieved from its contents.
Will my account information reside on my device?
No, mobile banking transactions are not saved on your device. When you send an inquiry from your mobile device, the information is pulled from MCU's system and then encrypted and sent back to the device, then unencrypted so you can view it.
Which wireless carriers are supported?
MCU mobile banking supports all the popular wireless phone carriers including:
If your carrier is not listed, you can enroll in the Mobile Web (WAP) option https://m.mobilecu.org/MissouriCU.
Which devices are supported?
MCU Mobile Banking platforms support the following devices:
- iPod Touch
- Palm Treo
- Java enabled Smart phones
- Windows Mobile (coming soon!)
Do I need a data plan or text message plan?
MCU Mobile Banking has three platforms—Mobile App, Mobile Web (WAP), and SMS (text messaging). You will need a data plan (Internet access) for the Mobile App and Mobile Web (WAP) platforms. SMS (text messaging) does not require a data plan; however, standard text messaging plan fees from your mobile service provider will apply.
How do I enroll in Mobile Banking?
You enroll with your mcu@home password and your phone. Depending upon the Mobile Banking platform you choose, your phone must have a voice, text, and a valid data plan (Internet access) to enroll in Mobile Banking.
With the Mobile App and Mobile Web (WAP) platforms, you will receive a one-time PIN (OTP) to add at the end of your mcu@home password to complete the enrollment process. After you are enrolled, you connect to Mobile Banking a second time and remove the one-time PIN from your mcu@home password. For more details go to (link with Mobile App instructions) and (link with Mobile Web instructions).
With the SMS (text messaging) platform, you will receive a verification code via text messaging to complete the enrollment process. For more details go to (link with SMS text messaging Banking instructions)
What do I do if I need to update my email address?
Login to mcu@home banking using your account number and mcu@home password. Choose the Other Options menu, select Change E-mail Address item. Input your new e-mail address twice. Then click Continue button. End Session and exit mcu@home banking. Now you can go back to start your enrollment process anew. If you return to an open enrollment process under way using the APP or WAP, the old e-mail address continues to be used. You must exit the process and start over to allow the APP or WAP software to use your updated e-mail address properly.
Can I enroll in Mobile App, Web (WAP) and SMS (Text Messaging) Banking on the same phone?
Yes. You can choose to enroll in all three.
How many devices can I enroll in Mobile Banking?
The Mobile Banking system recognizes a mobile banking platform (Mobile App and Mobile Web (WAP) as one unique identifier (Client UID). The system allows you to enroll six Client UIDs. However, if you need more than six, you may call the MCU helpdesk at 573-871-1477 (Columbia) or 573-635-8007 (Jefferson City) or 800-451-1477 (outside of Columbia and Jefferson City only) and ask them to expand your Client UID count.
Do I have to enroll each MCU account number?
Yes, if you have more than one MCU account number, then each one will have to be enrolled with the authentication One-Time PIN process. However, once the APP or WAP is set up on your mobile device, just input the alternate MCU account number(s) as needed.
Can I send a message to the MCU helpdesk from my mobile phone?
Yes, if you choose the Mobile App or Mobile Web platforms. On the menu selection screen click on messages and create a new message. In the subject line, put the subject of your message and then create your message in the body field. Then send it. There is a limitation of approximately 420 characters. This method of messaging is secured by the 128 BIT encryption. This method of communication is preferred from a security perspective compared to standard email which is not secure.
Are Mobile Banking transfers immediate?
Mobile banking transfers are posted to your account immediately—it's just like using mcu@home.
Can I access MCU's BillPayer through Mobile Banking?
Yes, BillPayer is available now through Mobile Banking. Please note that payees must be setup through mcu@home BillPayer (desktop Web version) before you can schedule payments through Mobile Banking BillPayer.
- Using Mobile Banking with BillPayer - First Steps NEW!
- Android Instructions - BillPayer NEW!
- iPhone Instructions - BillPayer NEW!
Can I still access my account information if the Mobile Banking system is down?
Yes, mobile banking and mcu@home are running on two different systems. So you can access your account information at mcu@home when Mobile Banking is down or access it on Mobile Banking when mcu@home is down.
How many incorrect login attempts result in the Mobile Banking system locking up?
Three invalid login attempts will lock up mobile banking. Please call the MCU helpdesk at 573-871-1477 (Columbia) or 573-635-8007 (Jefferson City) or 800-451-1477 (outside of Columbia and Jefferson City only). Next, call your mobile phone carrier and ask them to disable your phone.
What do I do if my mobile phone is lost or stolen?
Change your mcu@home banking password and email address immediately. Then call the MCU helpdesk at 573-871-1477 (Columbia) or 573-635-8007 (Jefferson City) or 800-451-1477 (outside of Columbia and Jefferson City only). Next, call your mobile phone carrier and ask them to disable your phone.
How do I dispose of my mobile device, if it has mobile banking on it?
Before disposing of your mobile device, please call the MCU helpdesk at 573-871-1477 (Columbia) or 573-635-8007 (Jefferson City) or 800-451-1477 (outside of Columbia and Jefferson City only) and ask that the Client UID for the mobile device be removed for each MCU account that was registered on the device. To assist in this process, you will need to tell them what type of device it is (i.e. iPhone, Android etc.).
Also, if you enrolled in SMS (text messaging) Banking, log in to the Mobile Web (WAP) and use SMS settings to deactivate the enrolled phone.
What are Mobile Applications?
Mobile applications are custom-designed apps for specific phones. Therefore, these apps give the user a better mobile banking experience. You can download apps for the iPhone, iPod touch, iPad, Android, and Blackberry devices. (Windows Mobile devices will be added in the future.)
What's the difference between a Mobile Application and Mobile Web?
Mobile Web uses your phone's Web browser to access your account information. Whereas, Mobile App lets you download the app that is custom-designed for your specific phone and therefore gives you a better mobile banking experience.
How do I download the Mobile Application for iPhone?
MCU's iPhone app is available through the iTunes App Store and it's free!
How do I download the Mobile Application for a Google Android phone?
Download our free app from the Android Market from your phone.
How do I download the Mobile Application for a Blackberry?
Download the Blackberry app using this link: https://m.mobilecu.org/MissouriCU.
Where do I find the Mobile App on my phone?
Once you install the Mobile app, typically you will find it in the applications or games/applications section on your mobile phone. The location of the application will vary based upon the phone model.
What is Mobile Web (WAP)?
Mobile Web allows you to access your account information through your phone's Web browser. With Mobile Web you sign into https://m.mobilecu.org/MissouriCU and you can view your account balances and account activity, transfer between accounts, and send secure messages to MCU.
How do I sign into Mobile Web (WAP)?
If you have a mcu@home password, go to https://m.mobilecu.org/MissouriCU. You will sign in using your mcu@home password. The first time you sign in you will be prompted to add a one-time PIN (OTP) to the end of your mcu@home password. Then you will sign in a second time and only use your mcu@home password. Your enrollment in Mobile Web is now complete.
How do I optimize my Mobile Web (WAP) experience?
We recommend three ways:
- Ensure your phone's browser has cookies enabled,
- Enable style sheets on your browser, and
- Bookmark MCU's mobile banking site, https://m.mobilecu.org/MissouriCU.
I activated Mobile Web on my phone. Why am I asked to activate it again?
At the time of activation, a "cookie" is stored on your phone's browser which allows the Mobile Banking system to remember that you activated Mobile Web. The "cookie" is only visible by the Mobile Banking system and does not contain personal information.
Some phones may require you to enable "cookies" or periodically erase them. If you erase the browser's "cookies", then the next time you log into Mobile Web, the system will ask you to reactivate your enrollment in Mobile Web and send you a new one-time Pin (OTP).
If you continue to receive messages about reactivating your Mobile Web, check your phone settings to ensure that "cookies" are enabled. If "cookies" are enabled and the issue persists, please contact your mobile phone carrier for "cookie" support information.
SMS (text messaging) mobile banking provides a very easy and quick way to access your account information. You request information by sending a text message that includes a text command to a shortcode and you receive a response by text.
How do I enroll in SMS (text messaging) Mobile Banking?
If you have your mcu@home password, go to https://m.mobilecu.org/MissouriCU and click on SMS Settings. Review the guide entitled SMS Mobile Banking to aid in setting SMS (text messaging) Mobile Banking up.
What is MCU's shortcode?
All text messages should be sent to 41411.
What are the text commands I use to access account information?
Listed below are the text commands that you will use to access your account information.
|Balances||missouricu b||List of all account balances. S#### indicates a share account (checking or savings) and L#### indicates a loan account.|
|Recent History||missouricu h||List of the five most recent transactions of all accounts|
|Recent History for Specific Account||missouricu h (acct id, e.g., S0001)||List of five most recent transactions for the specific account|
|Transfer between your accounts||missouricu x from (acct id) to (acct id) and then the amount
(e.g., MISSOURICU X S0001 L0031 100.50)
|You will receive a description of the transfer, success status, and confirmation code on success. If unsuccessful, you will receive an error message on its failure to transfer.|
|Deactivate Your Account||Leave missouricu||You will receive a text message that says "your phone has been unsubscribed from MISSOURICU SMS mobile banking. Please visit https://m.mobilecu.org/MissouriCU if you wish to enable SMS again. Thank you.|
|SMS Text Commands||missouricu help||You will receive a text message with a list of mobile banking commands.|
I get the following error message: "9230: Message failed. Shortcode may have expired or shortcode texting may be blocked on your account. Msg 1051"
You will get this error message until you contact Sprint Customer Care about unblocking short codes on your account and restore the service. If you know that you have the service enabled already, your shortcode may be expired. Simply re-subscribe by texting OPTIN to 41411.