Credit Union FAQs
Q: Are my deposit accounts NCUA insured?
A: Yes, each individual member's account is insured by the NCUA up to $250,000 per account.
Q: How do I set up Direct Deposit of my payroll check?
A: If your employer participates in a direct deposit program, provide our routing number, 255077891 and your account number to your human resources or payroll department. Direct deposit will usually begin two pay periods later.
Q: How frequently is my information updated?
A: Your account information is updated virtually instantly with each transaction that is posted to your account. However, availability of your funds may vary depending on where our transaction was done.
Q: What are the benefits of Credit Union membership?
A: Credit Unions offer similar services to banks, however they are non-profit. As such member fees and loan interest rates are typically lower.
Q: How can I become a member?
A: To become a member, simply check your eligibility. If you or any family member is associated with any of the eligible organizations, you are eligible to join the Credit Union.
Q: Are members of my family eligible to join?
A: Yes, any member of you family or household is eligible to become a member of MC EFCU if you are a member.
Q: What do I have to do to join the Credit Union?
A: Once you have determined that you are eligible to join MC EFCU, apply online to open a Savings account with a minimum initial deposit of $5.00 ($5.00 must be maintained in this account at all times). Once opened, you are able to open or apply for all other credit union services.
Mobile App FAQs
Q: Where can I download the mobile app?
A: You can download our mobile app from your devices app store, simply search MC EFCU.
Q: I downloaded the app but dont have a user name or password, how to I get that information?
A: Simply press the signup button on your app, from there, once you have filled out the fields correctly you'll have created your username and password for your app and online banking.
Q: Whats the quickest way to check my balances?
A: Making use of the Quick Balance feature on the mobile app is the quickest way to view your balances. You can access it by going into settings, pressing quick balance, then enabling on the current device.
Funds Transfer FAQs
Q: What is external Funds Transfer?
A: Funds transfer is a service offered by MC EFCU that allows you to transfer funds to and from your own personal accounts at other financial institutions.
Q: Who is eligible to use external Funds Transfer?
A: All MC EFCU members using Online Banking are eligible to use Funds Transfer. Please note that the service provider stipulates that the first name on the external account MUST match the first name on the MC EFCU account in order to transfer funds.
Q: How do I sign up for Funds Transfer?
A: Log into Online Banking and click on External Transfers under the Transfers option. You will be met with two options, select "Transfer Between My Accounts." After accepting terms of service, you will then be prompted for registration. Following registration you must validate your email address before you can transfer funds.
Q: What accounts can I use with Funds Transfer?
A: Once enrolled, all eligible accounts at MC EFCU will be enabled for external Funds Transfer. You may add checking, savings and money market accounts held at any commercial bank or credit union nationwide that can accept ACH transfers.
Q: How do I verify external accounts to be added to the service?
A: There are two methods, with two seperate prompts. The first lets you enter your login credentials (user ID and password) of the bank or credit union being added. The second is by trial deposit. Two (2) small random credits and one debit (equal to the sum of the credits) will be made to the account that is being added. You will need to verify the amounts of these deposits in order for the account to be added to your external accounts list.
Q: How many accounts can I add?
A: You may add up to five (5) external accounts to your Funds Transfer account list.
Q: Are there any fees associated with the service?
A: All incoming as well standard outgoing transfers to your MC EFCU can be made at no charge. Next Day transfers (1 business day) however are $5 per transfer.
Q: How long does it take to send funds?
A: Standard transfers will arrive 3 business days after the send date. Next Day transfers will arrive 1 business day after the send date. Please note that all external accounts must qualify for Next-Day service before you can use the service.
Q: What are the Daily and Monthly transfer limits?
A: Limits with Standard Service (3 business days) Inbound & Outbound per day: $2,000 Inbound & Outbound outstanding per day: $5,000 (from one or more transfers)Inbound & Outbound per month: $5,000 (rolling 30 days).
Q: When will the funds be debited from your account and received by the receiving account?
A: For a Standard transfer, funds will be debited on the second business day following the date the transaction is submitted, and credited to the receiving account that same day, unless the debit funds are not available, in which case the credit will not be released. Next Day transfers will be debited and credited 1 business day after the send date.
Bill Pay Service FAQs
Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments.
Q: How do I register for Bill Pay?
A: Bill Payment registration is easy! The first time you attempt to access the bill payment section of Online Banking, you will be prompted to begin online registration.
Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
A: When you update the information for the bill payment account, the changes are implemented virtually instantaneously.
Q: Can I use electronic bill payment with all my accounts?
A: No, only checking accounts can be used for bill payment purposes.
Q: When can I start using Bill Pay?
A: You can begin using Bill Payment once you have received your email notification of availability.
Q: When is bill payment available?
A: You can schedule payments 24 hours a day, seven days a week.
Q: How do I add new payees?
A: You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.
Q: Can bill payment be used when I am out of the country?
A: Bill pay provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Online Banking with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.
Q: Who can be paid using the Bill Pay?
A: Anyone in the United States who can accept a check can be paid using Bill Pay. You can pay charge accounts, utilities, auto loans, professionals, even lawn services and relatives. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.
Q: Can I pay my bills on the weekend?
A: Although you can set up your payments during the weekend, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. Payments scheduled for the weekend are always processed on the Friday before. If you set a payment to go out on a Saturday, it wont begin processing untill the following Monday.
Q: If I make an error in selecting an payee and it results in a late fee, am I responsible for the charges?
A: If you select a payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.
Q: How do I place a 'stop payment' on a bill payment?
A: A payment may be edited or deleted anytime before the "process date." Stop payments made after the process date are still possible but may be subject to a fee.
Wire Transfer FAQs
Q: What is a wire transfer?
A: A Wire Transfer is a method of electronic funds transfer between one person or entity to another.
Q: Can I do a wire transfer online or over the phone?
A: No, currently wire transfers can only be done in person at either one of our branch locations.
Q: What information do I need to provide to my other institution to receive a wire?
A: You need to provide the receiving bank, the benificiary name, as well as the final credit.
|Receiving Bank||Mid-Atlantic Corporate FCU
1201 Fulling Mill Road
Middletown, PA 17057
Routing number: 231387550
Swift BIC: 231387550
|Beneficiary Name||Montgomery County Employees FCU
19785 Crystal Rock Dr. Suite 201
Account Number: 255077891 10100
|Final credit to
|Your Name, Address & Account Number|
Q: When will an incoming wire transfer post in my account?
A: Generally, incoming wire transfers post in the account the same day they are received. Incoming wires received after 4pm or on weekend may post the next business day.
Q: What do I need to bring in to start the wire transfer?
A: To start a wire transfer you must first fill out the “wire transfer form.” Be sure all information is filled out accurately, you may need to reach out to your financial institution to verify their proper wire information. Following that, bring in the completed form to any one of our branches to proceed.
Q: What are the fee's associated with Wire Transfers?
A: Fee's associated with wire transfers are as follows:
Touch ID FAQs
Q: What is Touch ID
A: Touch ID is a simple, secure way to access the MC EFCU Mobile App via touch-enabled iPhones using built-in, fingerprint-sensor technology.
Q:What are the system requirements for Touch ID?
A: To use Touch ID, please use one of the following devices:
- iPhone 5s running iOS 8 or higher
- iPhone 6
- iPhone 6 Plus
Q:Can I still log in with my username and password if I enable Touch ID?
A: Yes, if prompted to log in with fingerprint, simply swipe to the right to enter your username and password.
Q:How do I enable Touch ID in my Mobile Banking App?
A: Upon successfully logging into the MC EFCU Mobile App with your username and password on a Touch ID-supported iPhone, you will be asked if you would like to start using Touch ID to log in.
Q:Where is the fingerprint information stored? Does MC EFCU have access to it?
A: Touch ID fingerprints are stored on the device and encrypted with a key only accessible to the device. The MC EFCU Mobile App cannot access the actual fingerprint, only determine whether the fingerprint is valid.
Q:Can I still log in if I am locked out, on hold or need a password reset?
A: If your account is locked or on hold, you cannot log in. However, even if the account requires the password to be reset, you can still use Touch ID to log in. Touch ID is an alternative credential.
Q:What additional security is included in this process?
A: Touch ID offers strengthened security by not storing usernames and passwords on the device.
Q:How can I disable Touch ID in Mobile Banking Apps?
A: You can disable Touch ID in the Settings menu of the MC EFCU Mobile App.
The Online Banking service has several effective security techniques that we encourage you to implement when you use the Online Banking service:
- Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
- Change your password on a regular basis.
- Use the Exit button to end each Online Banking session. Do not use the Back button to exit the site.
- Balance your account on a regular basis. Online Banking makes it easy!
- Make sure to have an updated email address and mobile number for alerts and your multi-factor authentication.
- When you sign on through a new computer verify yourself with multi-factor authentication, you will be prompted to be verified by either email or cellphone. Be sure to keep it as a public computer if its not your primary computer.