How can I register and sign in?

Review the details in this registration and sign in process document.

Who can register?

The primary member must register in order to use MCU@Home banking. There is only one username per account allowed.

What if I get locked out or forget my password?

If you get locked out, your account will automatically unlock in 4 hours. Click the "Forgot Password?" hyperlink before you get locked out! This will allow you to reset your password without having to call us.

How can I change my home address online?

To change your address within MCU@Home:

  1. Click on Profile in the menu bar
  2. Scroll down to Profile - Home Address Info
  3. Click on the pencil icon or edit link
  4. Enter new address
  5. Click the [Save] button

How can I update my primary email address?

To change your email address in MCU@Home, follow these steps:

  1. Click on Profile in the menu bar
  2. Scroll down to Profile - Primary Contact Info
  3. Click on the pencil icon or edit link
  4. Enter your new email address
  5. Click the [Save] button

How can I view/print my e-Statements and cleared checks?

To view/print your statements and cleared checks in MCU@Home, follow these steps:

  1. Click e-Statements & Disclosures menu tab
  2. Click on Checks or e-Statements under Documents
  3. When you click Checks, the front/back of first check appears by default. Click 6th button from the left to display checks by Check No. (The default display is by Check Date)
  4. Click on your underlined check number to view & print your cleared checks
  5. If you clicked e-Statements under Documents, the current e-Statement displays and the right column shows the dates other e-Statements are available.

To quickly view a cleared check:

  1. On the Account Summary page, input the check # into the search field, i.e., check #105.
  2. Click on the view check hyperlink under the check #. You will see the front and back of the check.

How can I download history?

To download history for any of your accounts while in MCU@Home, follow these steps:

  1. Under Account Summary, click on the desired account
  2. Click Options (found on left under transaction summary and above column headings)
  3. Click Download as CSV

I have a question about transaction history for one of my accounts. Who do I contact?

While in MCU@Home, you can click on the envelope icon to the left of the specific transaction and send us a secure message. If you prefer, you also may call 800-451-1477 Toll-free (outside of Jefferson City and Columbia) or 573-635-8007 (Jefferson City) or 573-874-1477 (Columbia).

How do I re-order my personal checks?

Here are the steps to re-order your personal checks:

  1. Click Check Services menu tab
  2. Click Check Orders menu item
  3. Choose Account
  4. Click [Next] button
  5. You will be directed to the Ordermychecks.com website. Order your checks and then Proceed to Checkout

Note: If you have no changes since your last order, you may re-order your checks online.

Can I make as many transfers from my savings or money market account as I want?

Please keep in mind Federal Regulations limit six (6) electronic withdrawals/debits in one calendar month from any of your savings accounts or money market accounts.

Can I pay my mortgage in MCU@Home?

Yes. Once you log in to your MCU@Home account:

  1. Select "Loans" from the menu at the top
  2. Then select "Mortgage Payments." (Do not select "Loan Payments." This option is not for paying mortgages.)

How Do I Access MCU Mobile Banking?

You will use the same username and password for MCU's mobile banking app as you use for MCU@Home. However, we use multi-factor authentication (MFA) as an additional step to help protect your account. Following the first login attempt, a one-time PIN (OTP) is sent to the primary account holder’s email address. Once the OTP is received, you will see a new screen requesting you input the OTP; you now have access to mobile banking. From that point forward, only the MCU@Home banking password is used to login each time the account is accessed. Please note the username is masked to hide all but the last two characters (i.e., ****cu) on future visits.

NOTE: To ensure you can receive the OTP message, make sure your primary contact e-mail address is accurate in your MCU@Home banking profile before you start the authentication process. If not, choose Profile tab, then select the edit icon by your email address.

Is Mobile Banking Secure?

MCU Mobile Banking is secure and fully encrypted, end-to-end using an industry standard 128-bit SSL (Secure Socket Layer) encryption.

How Much Does It Cost?

Nothing - Mobile Banking is an MCU member benefit.

What are e-Alerts?

e-Alerts are emails or text messages sent to you to notify you of certain transactions or events happening on your account. Each e-Alert can be sent to the primary or backup email or cell phone addresses within minutes of the actual transaction.

How do I set up an e-Alert?

Go to MCU@Home and click on the e-Alerts tab. You will see preset e-Alerts which you can activate by clicking on the edit button. Choose how you want to receive the e-Alert — by email or text message. Then click on [Save]. A green check mark appears under the Email or Text column when activated. If you want to change a value (i.e. change the Low Balance e-Alert from $100 to $50) in the preset e-Alert, you can click on the edit button, and make that change.

How do I set up a custom e-Alert?

You can create your own e-Alerts by clicking on the Add e-Alert hyperlink. Select an e-Alert type, (i.e. Transaction), and then click the next button. In the name field give your e-Alert a name. In the criteria field input a value and description, i.e. withdrawal > 100 Walmart. Then click on the test this criteria hyperlink to get the search results (a new window opens showing matched transactions). If no transactions match, then go to the Accounts tab, History menu item. View the description of the transactions for which you want to receive an e-Alert, and use that description in the criteria field. Be sure to retest your e-Alert.

Next, choose the appropriate account in the drop-down menu, and how often you want to receive the e-Alert. Choose how you want to receive the e-Alert—by email or text message. Click on [Save]. You will see your newly created e-Alert on the All e-Alert and Transaction e-Alert menu item lists.

How can I change my e-Alerts?

Click the edit icon, make your changes, then click [Save].

How can I stop receiving e-Alerts?

Click the Delete this e-Alert icon next to the e-Alert you would like to stop receiving. This will remove the e-Alert from your account. To stop receiving all e-Alerts, simply delete each e-Alert for which you signed up.

Can an e-Alert be sent to my cell phone?

Yes. You must know the email address of your cell phone and the standard text messaging charges from your service provider will apply.

How do I find the email address for my cell phone?

The email address is made up of the cellular phone's 10-digit phone number and the service provider's gateway. A few examples are listed below. You can check with your service provider if it is not listed.

Service Provider Example Email
AT&T 123456789@txt.att.net
Nextel 1234567890@messaging.nextel.com
Sprint PCS 1234567890@messaging.sprintpcs.com
T-Mobile 1234567890@tmomail.net
Verizon 1234567890@vtext.com
Virgin Mobile 1234567890@vmobl.com

When will I receive an e-Alert?

When you create or edit an e-Alert, you can choose when you would like your e-Alert to be delivered:

  • All Day – usually within 30 minutes
  • Daily summaries
  • Weekly summaries on Monday
  • Monthly summaries on the first of the month

Please note: All Day e-alerts are processed as close to real time as possible. Daily, Weekly, and Monthly alerts are processed starting at 7:00 AM for morning delivery.

Can I see my past e-Alerts?

Yes, you can view them by clicking on the e-Alert History menu item, and your past e-Alerts will display. You also can search for an e-Alert under the All e-Alerts menu item. Input the e-Alert description and click on the search button.

What are the different e-Alert types for which I can sign up?

The e-Alerts types are Balance, Transaction, Sign In, and Message. Within those types, you can choose the preset e-Alerts or create your own.

How many e-Alerts am I allowed to sign up for?

There is absolutely no limit. You can sign up for multiple types of e-Alerts as well as sign up multiple times for each type of e-Alert. For example, if you want real-time notice, use daily. If you also want a weekly record, create a new e-Alert with a new name and the same criteria then select Weekly.

How can I set up e-Alerts for a minimum balance?

Under the e-Alerts tab, click on Add e-Alert hyperlink, then choose Balance for the e-Alert type. Click on the [Next] button. Give your e-Alert a name, and in the balance below field enter an amount, and leave the balance above field at 0. Select the appropriate account in the drop down menu. Then choose how often you want to receive an e-Alert, and how you want to receive the e-Alert—by email or text message. Click on [Save]. You will be notified when the account falls below the minimum balance you set.

How can I set up e-Alerts for a minimum transaction amount?

Under the e-Alerts tab, click on the Add e-Alerts hyperlink, and select Transaction for the e-Alert type. Click on the [Next] button. Give your e-Alert a name, and in the criteria field input the dollar amount and a merchant, i.e. more than $100 Walmart. Choose the account in the drop-down menu. Decide how often you want to receive the e-Alert and how you want to receive the e-Alert — by email or text message. Click on [Save]. You will be notified when a purchase is made that matches or exceeds this value.

Can I set up an e-Alert for loan balances?

Under the e-Alerts tab, click on Add e-Alert hyperlink, then choose Balance for the e-Alert type. Click on the [Next] button. Give your e-Alert a name, and in the criteria field input a dollar amount. For example, line of credit loan balance below $1,000. Select the appropriate account in the drop-down menu. Decide how often you want to receive the e-Alert and how you want to receive the e-Alert — by mail or text message. Click on [Save]. You will be notified when your balance drops below this value.

What is minimum withdrawal amount?

Minimum withdrawal amount is an amount you determine when creating an e-Alert. You will be notified when a withdrawal exceeds this value.

How do I sign-up for e-Statements?

  1. Enter your Username into MCU@HOME BANKING LOGIN
  2. Click the [Sign In] button
  3. Enter your password
  4. Click the [Next] button
  5. Answer the security question, if necessary.
  6. Click the [Next] button
  7. Select e-Statements menu tab
  8. Select e-Statement Sign-up hyperlink
  9. Review Details: information
  10. Verify or update primary email address
  11. Type YES in Agreement field
  12. Click [Activate Now] button
  13. Message appears “You are now signed up for e-Statements.”
  14. Click Sign Out hyperlink (top right corner).

How do I cancel my e-Statements?

  1. Enter your Username into MCU@HOME BANKING LOGIN
  2. Click the [Sign In] button
  3. Enter your MCU@Home password
  4. Click on [Next] button
  5. Click e-Statements menu tab
  6. Select Cancel e-Statements menu item
  7. Review Details: message
  8. Click the [Cancel Now] button
  9. Message appears “Your e-Statements have been cancelled.”
  10. Click Sign Out hyperlink (top right corner).

How do I view my e-Statements?

  1. Enter your Username into MCU@HOME BANKING LOGIN
  2. Click the [Signin] button
  3. Enter your password
  4. Click the [Next] button
  5. Answer the security question, if necessary.
  6. Click the [Next] button
  7. Select e-Statements & Disclosures menu tab
  8. Click the e-Statements hyperlink
  9. Scroll down to the current month e-Statement displayed or click the MM/DD/YYYY hyperlink on the right for the e-statement date you wish to examine
  10. Click Logout hyperlink (top right corner)
  11. Close e-Statement window or tab
  12. Click Sign Out hyperlink (top right of window).

What is Remote Deposit Anywhere (RDA)?

Remote Deposit Anywhere is MCU’s service that allows you to deposit checks using a mobile device such as your smartphone or tablet. RDA is part of our mobile banking app. If you have never downloaded MCU’s mobile banking app, go to the iTunes App Store or Google Play Store and input Missouri Credit Union mobile banking.

What are the mobile device requirements for RDA?

  • iPhone iOS 4.3 or higher
  • iPad 2+ running iOS 4.3 or higher
  • Android – no minimum requirement

Who can use RDA?

Members may use RDA if their account is in good standing (and open for more than 30 days), and meets the system’s nightly evaluation for eligibility. Eligibility includes, but is not limited, to the following: no delinquent loans, no charge-off loans or shares, no bankruptcy, and no repeated NSFs.

Is there a limit on the check amount that can be deposited?

The daily limit is $5,000 and the per-check limit is $5,000.

How do I know my deposit has been accepted?

First, be sure all payees sign the back of the check and include FOR REMOTE DEPOSIT ONLY above all signatures for proper endorsement. Once submitted, you will receive an email confirmation from questions@missouricu.org to the email address on record. The confirmation will state that your deposit has been received, the date it was submitted, the total dollar amount, and a reference number for your deposit.

When will my funds be available to use?

MCU must verify your deposit, and will make your funds available to you on the second business day after the day we receive your deposit. For example, funds deposited on Monday will be available on Wednesday. Funds deposited after 10:00 p.m. Monday will be available on Thursday. Funds deposited after 10:00 p.m. Friday will be available on Wednesday during the next week.

Mobile banking shows your available balance only. Unverified or uncollected funds will not be included.

How do I find out if my check has been verified?

Currently you can only see pending items through MCU@Home on your desktop. Go to Pending Items under the History.

What do I do with the check I deposited using RDA?

RDA users are required to keep the original check for a reasonable period of time to verify the credit has been made to your account or to balance your monthly statement. During this time, the check item(s) should be stored in a secure place. After the retention period, the original check item(s) should be destroyed to ensure they are not accidentally deposited again.

How should I destroy the deposited check?

RDA users must securely and irretrievably destroy the original check item(s) after the retention period. Competent shredding equipment will assist in the complete destruction of check information. Do not leave deposited items lying around, and do not put deposited items in the trash or recycle containers unless they have been shredded first.

What is Apply Pay?

Apple Pay allows you to pay for your purchases with your Apple devices. Once you’ve entered your card(s) into your device's Waller, you’ll be able to make purchases at thousands of merchant locations across the country and internationally.

What do I need to get started with Apple Pay?

How do I add cards to Apply Pay?

  • Open your Wallet app and tap the plus sign.
  • Follow the steps to add a new card.
  • Tap Next. MCU will verify your information.
  • After we verify your card, tap Next. Then start using your MCU Debit card in Apple Pay.

For more information, check out the official Apple Pay support page or this video tutorial.

If your card is new to iTunes or the App Store, you may be prompted to call the MCU call center at (573) 874-1477.

Are my payment safe with Apple Pay?

Apple Pay’s advanced technology works behind the scenes to make using a traditional debit or credit card more secure than ever before. In participating stores, you just hold your phone near the merchant’s contactless reader and authenticate using Face ID, Touch ID, or your passcode. That’s it. Your name and card number remain anonymous to cashiers and bystanders, and your phone carries an unique, encrypted Device Account Number rather than your actual debit or credit card numbers. And you still enjoy all the benefits of your card including the Zero Liability policy that protects you from unauthorized purchases.

Learn more about security on the official Apple Pay Security and Privacy policy page.

What if my phone gets lost or stolen?

If this happens to you (and we hope it doesn’t), you have three options:

  1. You can remove your credit or debit cards from Apple Pay on iCloud.com. Sign in, click settings, choose your device, and remove your cards in the Apple Pay section;
  2. If Find My iPhone is turned on, you also can help keep your data secure doing this:
    • Mark as Lost to lock your device and suspend Apple Pay;
    • Erase your device remotely to prevent anyone else from accessing the data on your missing device and to remove your cards; and
  3. You can call MCU (573-874-1477) to suspend or remove your cards from Apple Pay.

Learn more about what to do if your iOS device is lost or stolen.

Apple, the Apple logo, iPad Air, iPhone and iTunes are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, iPad Mini and Touch ID are trademarks of Apple Inc.

What should I do if I have additional questions?

If you have additional questions, please call (573) 874-1477 to speak to our call center, or email questions@missouricu.org. (Please do not email any sensitive financial information, such as account numbers.) You may also visit Apple's support portal.

How do I set up Samsung Pay?

  1. From the home screen touch the Apps icon. (If preloaded on your phone.)
  2. Touch the Samsung folder.
  3. Touch Samsung Pay.
  4. Touch Start.
  5. Enter Samsung Account ID and password.
  6. Review the Samsung Terms of Service. Then touch Agree to All.
  7. Next choose to use a PIN or your fingerprint for verification when using Samsung Pay.
  8. Then, touch later if you don’t want to add a card or touch ADD to add a card.

How do I add my cards to Samsung Pay?

  1. From the Home screen touch Apps. (If preloaded on your phone.)
  2. Touch the Samsung Folder.
  3. Touch Samsung Pay.
  4. To add a card, touch ADD.
  5. You can add your card using your device’s camera or by manually inputting the information.
  6. If you use your device’s camera, align your card within the frame to automatically detect the card number and expiration date.
  7. Confirm the card information and enter the CVV code and postal zip manually. Then, touch Next.
  8. Review the Terms of Service. Then, touch Agree to All.
  9. You will need to verify your card. Touch Call Your Bank.
  10. Until you call MCU, you will see your card in Samsung Pay with the message Verify Card underneath it.
  11. The Member Services Representative will confirm your identity, and complete the verification process.
  12. You will receive a message on your device that Samsung Pay is ready to use.

How do I pay using Samsung Pay?

  1. Once your eligible card is registered in Samsung Pay you can activate the Simple Pay feature by swiping your screen from the bottom, just above the Home key, toward the top of the screen.
  2. The most recently added or used card is displayed. Swipe left or right to scroll through your registered cards.
  3. When you have selected a card, either place your finger on the Home key to verify your fingerprint or touch ENTER PIN to enter your Samsung Pay PIN.
  4. Samsung Pay will indicate that you are ready to make a payment.
  5. Typically, transactions made with Samsung Pay are listed under each listed under each payment card for one month. Any transactions that don’t appear can be viewed within MCU’s mobile banking app.

What should I do if my phone is lost or stolen?

We hope this never happens to you but here are the five steps to lock your card:

  1. Go to Find My Mobile and then move your cursor over Find.
  2. Enter your Samsung account information and then click Sign In.
  3. Click Lock My Device and Samsung Pay.
  4. Review the information on Lock My Device and Samsung Pay. Then click Lock.
  5. To lock your device’s screen, enter your PIN, then click Lock.