Manage Accounts
Manage all of your M-C Federal Credit Union accounts in one place! Use our free online banking to view transactions, transfer funds, sign up for e-statements, bill payer, online deposits, and mobile banking! It’s easy, convenient, and you can access your account 24/7!
- Virtual Branch®
- Check your account balances.
- Transfer funds between your accounts.
- Review your transaction history
- Sign-up for easy-to-read e-statements
- View your MasterCard® account history
- Make payments on your M-C loans or MasterCard® account.
- Access M-C’s Small Business Services
- Unlimited Bill Pay transactions.
- Set up one-time or recurring payments.
- No more checks to write, no more stamps to buy!
- Safe, easy and convenient!
Virtual Branch®
Online Banking has many benefits. It is free to all M-C Federal Credit Union members and lets you access your accounts in a safe and secure online environment.
Features
Online Bill Payer
Try it and you’ll never go back to licking stamps and envelopes. Save time and money by simply clicking your payments to credit cards, utilities, insurance companies, or even family members.
Features
Online Check Orders
Reorder your checks right from Virtual Branch.
Mobile Access
M-C is as close as your fingertips. Manage all your financial needs, even while you’re on the go! You may access our online services using an Internet enabled phone or Personal Digital Assistant (PDA).
- MasterCard® SecureCode®
- Unique user name and password created by you
- Used for both your Platinum MasterCard® and your Debit MasterCard®
- Added security for online shopping
MasterCard® SecureCode®
MasterCard® SecureCode® adds security to purchases made online with participating merchants. With MasterCard® SecureCode®, it’s not simply enough to know the card number, expiration date, and CVC code. Your card is registered with a unique user name and password known only to you. This helps to prevent online identity theft while making online purchases and prevents others from making purchases in your name.
Features
Register your Platinum MasterCard®
RegisterRegister your Debit MasterCard®
RegisterQuestions?
To reset your Platinum MasterCard® SecureCode – Call 1-866-271-6649
To reset your Debit MasterCard® SecureCode – Call 1-800-834-0082
- MasterCard® Online Access
MasterCard® Online Access
You can manage your credit card account easily with Online Access. View recent transactions, history, and payments. It’s convenient and free!
- UChoose Rewards®
- Ability to “pool” your points with household family members to earn rewards faster
- Platinum MasterCard® – Earn one (1) point for every $1.00 spent
- Debit MasterCard® – Earn one (1) point for every $2.00 spent as a signature based transaction.
UChoose Rewards®
Say hello to UChoose Rewards® – a rewards program that is based on giving you a choice! Our Platinum and Debit MasterCard’s® allow you to earn points for your everyday purchases and shopping needs, whether in-store or online. Each time you use your M-C Federal Credit Union Platinum or Debit MasterCard®, you are earning valuable UChoose Rewards® points that can be redeemed online for millions of items. Choose from a wide array of products, travel experiences and activities, event tickets, merchant gift cards and much more! Pool your points with other members of your household to earn rewards faster.
Features
(does not include cash advances, convenience checks or finance charges) Go to Uchoose Rewards®
- Online Deposits
- Share Savings accounts, including Money Market and Club/All Purpose accounts
- Share Draft Checking accounts
- Loan / Mortgage Payment accounts
- You forget to include the check(s) in your envelope
- The check amount does not match the amount on your Deposit Receipt
- You send us extra checks or not enough checks
- Check received is drawn on a foreign institution
- Failing to submit your Online Deposits Receipt with your checks
- Failing to address your envelope properly when a pre-printed Online Deposits envelope is not used
- PENDING – Your deposit has been accepted and the credit has been posted to your account. We have not yet received your checks.
- REVERSED – The deposit amount has been reversed from your account because your checks were not received within the ten (10) business day limit.
- RECONCILED – Your checks were received and an adjustment to your account was required. This adjustment means you have incurred an Online Deposits infraction and a fee has been charged to your account.
- RECEIVED – Your checks were received on time and your online transaction was accurate, requiring no adjustments.
Online Deposits
What are Online Deposits?
Online Deposits put ultimate convenience at your fingertips by allowing you to submit check deposits online 24/7 and give you instant access to those funds! No more waiting to get to a branch to deposit your checks. No more waiting for checks to clear.
Members must apply for this service and be approved*Is the Online Deposits service available to all members?
Some members may not qualify to use Online Deposits. For instance, Eligibility may vary from day to day. You must apply online or at any branch location.
Will I be able to use Online Deposits immediately upon registering?
No. You must be approved. You will be notified once you are approved.
How do Online Deposits work?
Just make your deposit online and be sure we receive your checks via mail within ten (10) business days of your online transaction. We will credit your account immediately, so the funds will be available for you to pay your bills online, write checks, withdraw as cash, or transfer to other accounts the moment you complete your deposit. Plus, postage-paid Online Deposits envelopes are available to save you the cost of a stamp and help ensure that we receive your checks on time.
How do I access Online Deposits?
Access is easy! Once you have enrolled and have been approved by M-C – log in to Virtual Branch and look for the Online Deposits tab on the left side panel under BankIT.
How much can I deposit?
The maximum Available Deposit Amount for Online Deposits varies by member and is determined by length of relationship, creditworthiness and other relationship factors. At any given time, you are able to deposit this amount minus any pending Online Deposits. You will see your Available Deposit Amount when you access the service online. As we receive and process your checks toward pending deposits, your Available Deposit Amount will replenish itself.
How many checks am I able to deposit at one time?
You may submit up to 10 checks per deposit, provided their total does not exceed your Available Deposit Amount. There is no limit to the number of deposits you can make, again, provided you do not exceed your Available Deposit Amount.
How many days do I have to submit my checks after I complete my deposit online?
We must receive your checks within ten (10) business days of the online transaction date.
What do I need in order to use Online Deposits?
You will need a valid e-mail address, which will be confirmed when you register. You will also need to have Adobe Reader installed on your computer and be connected to a printer. Once you complete your submission online, a Deposit Receipt will be generated automatically. It is required that you print this receipt and mail it to us along with your checks.
Where do I get postage-paid Online Deposits envelopes?
A starter supply of envelopes will be sent to you automatically when you register. Please contact the Credit Union or pick them up at any M-C Branch.
Can I use the service if I don’t have an Online Deposits envelope?
It is highly recommended that you use our postage-paid envelopes to ensure that your checks are received on time and processed properly. However, if you need to send checks and do not have an Online Deposits envelope, please address your envelope exactly as follows:
M-C FEDERAL CREDIT UNION 1339 Saint Mary St Suite 1 Lewisburg, PA 17837 Which of my accounts will accept Online Deposits?
How many accounts (suffixes) can I deposit to at one time?
You may only deposit funds to one account (suffix) at a time.
What happens to my account if the Credit Union does not receive my checks on time?
Your account will be debited the amount of the deposit and a late fee will be charged. Refer to the Fee Schedule for current fee amounts. This adjustment will also count as an infraction.
What is an adjustment?
An adjustment is a correction or reversal made to your account when the checks received by the Credit Union do not match what was entered into Online Deposits, and/or the checks are late or are never received. If an adjustment is required, your account will be charged a fee. Refer to the Fee Schedule for current fee amounts.
The following examples would require an adjustment to your account:
Note: Adjustments to your account will incur an Online Deposits infraction.
What is an infraction?
An infraction is a penalty imposed for incorrect or inappropriate usage of Online Deposits that necessitates an account adjustment and/or delays the processing of your deposit. In addition to the above adjustment examples, infractions may also be incurred for:
How many infractions am I allowed before I am no longer able to use Online Deposits?
If you accumulate three (3) infractions, you will no longer be eligible for Online Deposits and the service will be removed from your Account Access options. The Credit Union also reserves the right to restrict you from using Online Deposits at any time due to misuse of the service.
Will I receive notification if I incur an infraction?
You will receive an e-mail notification if an adjustment is made to your account. The e-mail will refer you to Online Banking to review your account for the adjustment information.
Can I submit my checks at a Branch, ATM or night deposit to ensure that my deposit is received within ten business days?
Online Deposits must be processed by the appropriate department at our branch office, and should be mailed as instructed. Attempting to deposit checks toward your online deposit via Branch, ATM or night deposit will most likely result in one or more adjustments to your account, infractions and subsequent fees.
Can I deposit third-party checks via Online Deposits?
No, it is our policy that we no longer accept third party checks.
Will Online Deposits accept stale-dated or post-dated checks?
No. The check entry system will verify check dates. If a date is more than six (6) months old or beyond the current date, an error message will appear and you will be required to edit the information or delete the check entry.
If I have two checks from two different makers that happen to have the same check number and the same dollar amount, will the Online Deposits system reject the entries?
No. The system will accept both checks without generating an error.
What do the different Online Deposits statuses mean?
Once I sign up for Online Deposits, do I have to use it?
No. Online Deposits is an extension of our Online Convenience Services developed to make it easier than ever to manage your Credit Union accounts. You are not required to use it and there are no dormant fees.
Can I opt out from Online Deposits?
No. There is no opt-out option for Online Deposits. However, you are not required to use the service, even if you register.**Member Must Use Virtual Branch to Access Online Deposit.
**Subject to Approval
- Tellerline
- Balance inquires
- Account history
- Reconcile checkbook
- Transfer between accounts
- Procure a line of credit advance to your share draft checking account
- Change your Pin
- Merchant verification of available funds
Tellerline
You can have 24/7 access to your accounts right from your phone. Get balances, make transfers or loan payments, quickly and easily with Tellerline. This quick, convenient and confidential service is always free.
Features
Tellerline Access Number 1-888-828-5735
