MPO FCU - Welcome

Welcome

Welcome to MPO Online. We are pleased to offer you a convenient way to check balances, transfer funds, and view account history. There is no charge for this service. To enroll, please contact any branch of MPO Federal Credit Union for a user id and security code.

Once you have enrolled in MPO Online, you may sign up for MPO Online Bill Payment Service. In addition to checking balances, transferring funds, and viewing account history, Bill Payment Service allows you to set-up and pay bills all from one convenient site. This is a FREE service offered to all share draft members. Enrollment for the Bill Payment Service is completed from within MPO Online.

System Requirements
In order to be able to utilize Enhanced Authentication, it is important that your web browser be configured correctly.

Listed below are the official supported browsers. Other browsers may work; however, you may need to modify your settings. There is no guarantee that a non-supported browser will work with this application.

ACCEPTED INTERNET BROWSERS
PC	MAC
Internet Explorer 6.0	Internet Explorer for Mac V 5.2
Internet Explorer 7.0	Safari
Netscape Navigator 8.0
Netscape Navigator 8.1
AOL 1.5
AOL Open Ride 1.1.8.1
Firefox 2.0.0.1

Make sure your browser can accept cookies.*
Add the Enhanced Authentication domain to your trusted sites.*

http://www.mpofederal.org/MPOOnline.htm

Overview
When you enroll with MPO Online you can perform financial transactions tasks, pay your bills, and communicate with the credit union quickly and easily from the comfort of your own home or wherever you might happen to be. These services provide secure access at any hour of the day. MPO provides several resources including electronic messages to a credit union representative, or you can simply pick up the phone.

Enrolling with MPO Online
To subscribe to the MPO Online, simply call any one of our three branches and request a user log on id and security code. Once you receive your user logon and security code, the service will be immediately available.

Enhanced Authentication Enrollment
MPO is please to provide its members with a top of the line secure environment to conduct their financial transactions. There are multiple layers of authentication conducted to ensure a safe and secure environment to view your financial information. Proceed with the following steps:

Begin by entering your User Logon (account number) you were issued by the MPO representative and click, “OK”.
After your initial sign on, you will be required to change your security code. The new security code must be eight (8) digits in length.
Next, you will be required to select a picture. You can change the picture by clicking the “Change Image” link.
When you have selected a picture, type in your secret phrase. Make it something memorable, but something that only you would know. Then click, “Next”.
Next you will be required to select three challenge questions.

View and confirm your information. If you need to make corrections, please do so at this time. Otherwise, click “Next” and your enrollment process has been completed.

If you have any problems getting started with any of the MPO Online features, please contact us at the credit union. We hope you enjoy the convenience of this service. Please feel free to give us your comments using the Message Center feature included.

About MPO Online
MPO Online is a banking service that lets you manage your finances right online. It provides you access to your account, 24-hours-a-day from anywhere in the US, via the Internet. Through MPO Online you can access your accounts online to check balances, review transactions, transfer funds, obtain loan balances.

The Account Access feature provides an Account Summary or a list of your accounts including account number, type of account, and available balance. When you select an account from the list of accounts, you are presented with the Account History screen which includes current balances, rate information, next payment date and amount on loans, and other useful information about the account. Each transaction is displayed with posted date, amount, type of transaction, and balance afterward. You may view transaction history as far back as we keep the information on-line. This is normally six months of history.

The information displayed in MPO Online is viewed in real time for most account information. Please note that outstanding payments (via share draft, ATM use, or check card transactions) are not viewable and diligent record keeping is still required so that your account does not experience a shortage. Please note you “Current Balance” and your “Available Balance” may differ as well. Often the difference in the two represents checks that are on a mandatory hold or other transactions that are future dated.

When using MPO Online Bill Payment Service, payment transactions entered after 2:00 pm EST will not be processed until the following business day. Funds must be available in your checking account to process payments; overdraft lines of credit and share protection accounts are not accessible through bill pay.

The Transfer Funds feature offers real time transfers between accounts. You cannot edit the date of the transfer. Transfer history will be reflected in the account detail section.

About MPO Online Bill Payment Service
MPO Online Bill Payment Service allows you to schedule payments to merchants, review and change scheduled payments, and review payment history. MPO Online Bill Payment Service offers an alternative to the traditional method of paying bills. Instead of writing a check and mailing the payment to the merchant, you can handle all payments through MPO Online Bill Payment.

NOTE:

In order to take advantage MPO Online Bill Payment Service, you must have an open checking (share draft) account. If you do not currently have a checking (share draft account), contact MPO to open an account today!

You can schedule payments to be made on certain dates. MPO Online Bill Payment Service provides a confirmation number for every payment and keeps track of your payment history. These features make MPO Online Bill Payment Service an excellent record keeper. You no longer have to keep track of the payments you've made because MPO Online Bill Payment Service does it for you.

Paying bills involves the following:

Set up your personal list of Payees.
Once you have created the payee, select Quick Pay to enter the amount, the date, and the frequency (only once, weekly, every two weeks, etc.).
If you opt to set up a schedule of payments, you may view these selections by clicking on the Scheduled Payments link.

MPO Online Bill Payment Service uses Automatic Clearing House (ACH) to pay bills. While it is anticipated that most transactions will be processed on the day after you have selected the transmit payment date and arrive at its intended destination approximately five (5) business days after the transmit payment date (or sooner if the payee receives All-Electronic Payment), it is understood that due to circumstances beyond the control of the MPO Online Bill Payment Service, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer to post to your account with the designated payee. For this reason, it is recommended that all Transmit Dates selected by you be a minimum of five (5) business days before the actual due date, not the late date and/or grace period. If you properly follow the procedures described herein, and the MPO Online Bill Payment Service fails to send a payment according to the payment instructions received, the MPO Online Bill Payment Service will bear responsibility for all late charges. In any other event, including but not limited to choosing a Scheduled Transmit Date which is not five (5) business days before the due date or on or past the due date stated on your invoice, the risk of incurring and responsibility for paying any and all late charges or penalties shall be borne by you.

The MPO Online Bill Payment Service uses its best efforts to make all your payments properly. However, the MPO Online Bill Payment Service shall incur no liability if it is unable to complete any payments initiated by you through the MPO Online Bill Payment Service because of the existence of any one or more of the following circumstances:

Your account does not contain sufficient funds to complete the payment or transfer.
The Processing center is not working properly and you know or have been advised by the MPO Online Bill Payment Service about the malfunction before you execute the transaction.
The payee mishandles or delays a payment sent by the MPO Online Bill Payment Service.
You have not provided the MPO Online Bill Payment Service with the correct names or account information for those persons or entries to whom you wish to direct the payment.
Circumstances beyond the MPO Online Bill Payment Service control (such as, but not limited to, fire, flood, interference from an outside force) prevent the proper execution of the transaction and the MPO Online Bill Payment Service has taken reasonable precautions to avoid those circumstances.

Provided none of the forgoing exceptions to the MPO Online Bill Payment Service performance obligations are applicable, if the MPO Online Bill Payment Service causes an incorrect amount of funds to be removed from your transaction account or causes funds from your transaction account to be directed to a person or entity which does not comply with your payment instructions, the MPO Online Bill Payment Service shall be responsible for returning the improperly transferred funds to your transaction account and for directing to the proper recipient any previously misdirected payments or transfers. The MPO Online Bill Payment Service should not be used to pay government obligations such as taxes and court-directed payments since you may incur significant penalties as a result of late payments.

MPO Online Bill Payment Service supports the following types of payments:

One-time payment - The payment takes place on the date you specify.
Automatic payment - Payments occur starting on the date and as many times as you specify for up to 10 years.

Payments that are set up for future dates are called scheduled payments. These payments include one-time payments and automatic payments. The first payment date may be no more than 18 months in the future. Payments are processed on the scheduled date. Payments scheduled for non-business dates (such as January 1 or weekends) are processed on the next business day for one-time payments and on the previous business day for automatic payments.

The Scheduled Payments feature allows you to review scheduled payments (one-time and automatic) and change or delete a selected payment before the payment occurs.

You may change payment information depending on the type of scheduled payment:

One-time payment - you can change the amount and date of the payment and the financial account from which the payment is to be made.
Automatic payment - you can change the amount, next payment date, number of payments, frequency of payments, and the financial account from which the payments are to be made. The changes affect all future payments.

The Payment History feature allows you to find and review past payments by specifying the payment details. You may select which payments(s) you want to review. If you do not specify any criteria, all available payment history will be presented.

If you specify:

Payee - You will receive all payment history for that payee or merchant.
Payment dates - You will receive payment history from the start-date to the end-date specified.
Payment amount - You will receive all payment history within plus or minus $10 of the specified amount.
Confirmation number – Select Confirmation number from the list and enter the confirmation number in the box. You will receive detailed information for that specific item.

If you want to direct the search to a more restricted list of past payments, you may specify any combination of the payment details listed above.

Currently, there is no fee to utilize MPO Online Bill Payment Service. However, we reserve the right to disable the service if it remains unused for a period of at least three months.

Service Options

There are four Service Options available to members:

Personal Information – This area houses your personal information including name, user id, social security number/tax id number, address, phone and email address.

NOTE:

It is imperative to keep your personal information up to date. Be sure that all information displayed is correct.

If you should move, change your phone number or email address, be sure to update your information here as well.

Change your Security Code – To change your security code, click on the Change Security Code link. You will be presented with a screen where you will need to type in your current eight (8) digit security code. Enter your new eight (8) digit code in the New Security Code field. Then, verify the new security code by re-typing in your new eight (8) digit code in the Verify Security Code field. Click the Submit button to confirm the changes.
Maintain Image/Phrase – To change your logon image, click “change image” link. You can also change your phrase here. Click “Save” to update your profile.
Maintain Challenge Question – To change one or all of your challenge questions, select a new question from the drop-down list. To change an answer, enter your new answer. Click “Save” to update your profile.

At the time of enrollment, the services you specified are set up for you on MPO Online. After enrollment, you may add the MPO Online Bill Payment Service.

NOTE:

If you decide to delete a Payee account from the MPO Online Bill Payment Service, you must wait until all payments attached to it have been canceled.

Message Center
You can use the MPO Online Bill Payment Service to communicate with an MPO Representative. The MPO Online Message Center allows you to review, save, and delete received messages and to send new messages to an MPO Online administrator. You can use the MPO Online Message Center at any time to communicate questions, problems, or requests. Communicating with this service is very secure.

From time to time, you may be notified by automated messages of problems resulting from your use of the service. You are notified immediately after you login to the service of any new messages in your Inbox.

Logging Off
To log off of the MPO Online service, simply click Log Off at any time. Or, you can log off of the system by closing your browser.

Discontinuing Service
MPO Online and MPO Online Bill Payment Services requires a 90-day commitment, so if you choose to discontinue services, please notify your MPO Representative immediately (use the MPO Online Messenger Service). If MPO Online is not used for more than 90 days, service may be terminated without notice. Applicable fees, if any, will post until service is terminated.