Getting Started

Begin by entering your User ID (member number) and Security Code you were issued by the MCU representative. 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.

If you have any problems getting started with any of the Home Banking features, please contact Memorial 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 MCU Home Banking

Home Banking 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 U.S., via the Internet. Through Home Banking you can access your accounts online to check balances, review transactions, transfer funds, and obtain loan balances.

The Account Access feature provides an Account Summary 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, payment amount, and other useful information for each account. Each transaction is displayed with posted date, amount, type of transaction, and ending balance. You may view transaction history as far back as we keep the information online.

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 Bill Payment Service

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

NOTE:

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

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

Paying bills involves the following:

Set up your personal list of Payees.

In order for a payee to be added, you must be able to furnish the payee’s name, address, telephone number, and your account number.

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.

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 MCU Bill Pay 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 Bill Payment Service fails to send a payment according to the payment instructions received, the 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 MCU Bill Payment Service will use its best efforts to make all your payments properly. However, the Bill Payment Service shall incur no liability if it is unable to complete any payments initiated by you through the 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 MCU Bill Payment Service about the malfunction before you execute the transaction.

The payee mishandles or delays a payment sent by the Bill Payment Service.

You have not provided the 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 Bill Payment Service’s control (such as, but not limited to, fire, flood, interference from an outside force) prevent the proper execution of the transaction and the Bill Payment Service has taken reasonable precautions to avoid those circumstances.

Provided none of the forgoing exceptions to the Bill Payment Service performance obligations are applicable, if the 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 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 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.

MCU 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 for 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 for 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 payment(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 payments, you may specify any combination of the payment details listed above.

There is a monthly fee of $4.95 for the MCU Bill Payment Service.

Personal Options

There are three Personal Options available to members:

Change your e-mail address – Stay current with the e-mail messages being sent and received through the Message Center. You can edit your e-mail address by clicking on Personal Information.

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 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.

Enroll in Bill Payment Service – To enroll in the Bill Payment Service, click on the Payment Enrollment Service link. If you have not already signed up for Bill Payment Service, you will be presented with the terms and conditions form. To accept the terms and continue with Bill Payment Service enrollment, click ACCEPT. If you do not wish to enroll in the Bill Payment Service, click DO NOT ACCEPT.

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

NOTE:

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

Message Center

You can use the Message Center to Communicate with a MCU Representative. The Message Center allows you to review, save, and delete received messages and to send new messages to an MCU administrator. You can use the 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 the Home Banking service, simply click Log Off at any time. Or, you can log off of the system by closing your browser.

Discontinuing Service

Home Banking and Bill Payment Services require a 90-day commitment. If you choose to discontinue service, please notify your MCU Representative immediately (use the Message Center). If Bill Payment Service is not used for more than 90 days, service may be terminated without notice. Applicable fees, if any, will post until service is terminated.