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Mobile Banking is available.

MCU Mobile Banking

MCU members can now access their account information from their enabled smart phones (iPhone, Android, Blackberry, Palm Treo or Java) and other mobile devices that are Web browser enabled like an iPad or iPod Touch. Mobile access is established by downloading a special application (APP) or by using the mobile device's Web browser (WAP). Six (6) enabled devices can have access to MCU Mobile Banking initially per MCU account. More devices can be configured by contacting our call center to set a higher limit.

MCU Mobile Banking features include:

  • Multi-factor authentication (One-time PIN)
  • Secure login and use
  • Account (share, loan, or checking) balances
  • Transaction history
  • Transferring funds from one account (share, loan, or checking) to another
  • BillPayer NEW!
  • Transferring funds to a MCU mortgage loan NEW!
  • Secure messaging to and from MCU
  • Locations for MCU Branches and ATMs, CO-OP Network ATMs, and Share Branches
  • Graphs – income/expense and balance patterns per account (share, loan, or checking)

Currently mcu@home banking features like transaction history downloading, changing or establishing foreign country codes, passwords or e-mails are NOT available from the APP or WAP. Those should be used and are available only from mcu@home banking when needed.

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?

The cost for Ultra Advantage Level (FREE), Plus Advantage Level (FREE if e-Statements is used, $1.00 per month if not), e-Connect Advantage Level (FREE), and Smart Start Advantage Level ($1.00 per month ) members.

How Do I Access MCU Mobile Banking?

Your current mcu@home banking account number and mcu@home banking password are the same ones used with MCU Mobile Banking. The multi-factor authentication (MFA) is a little different. The MFA for MCU Mobile Banking consists of using a One-time PIN (OTP) sent to the primary account holder's email address following the first login attempt. An e-mail message with the OTP is sent to the registered e-mail address currently used in mcu@home banking. Once the OTP is received it should be appended to the mcu@home banking password on the second login to authenticate the validity of the user of the account. From that point forward, only the mcu@home banking password is used to login each time the account is accessed. Please note that the account number is masked to hide all but the last two digits (i.e., ****12) on future visits.

NOTE: To ensure you can receive the OTP message, make sure your e-mail address is accurate in mcu@home banking before you start the authentication process. If not, choose Other Options, then select Change E-mail Address.

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

Mobile Banking at the Android MarketFor Android phone owners, proceed to the Market (icon) on your phone's desktop. Search for MCU Mobile Banking. Click the APP to download it onto the Android. Install it then login into your account. Receive the OTP via e-mail and authenticate your account.

Mobile Banking at the iTunes App StoreFor Apple iPhone owners, proceed to App Store (icon) on your phone's desktop. Search for MCU Mobile Banking. Click the APP to install it onto the iPhone. Then login into your account. Receive the OTP via e-mail and authenticate your account.

 

 

MCU Mobile Banking LoginMobile Banking via WAPFor other mobile devices, click the MCU Mobile Banking Login button located in left side navigation bar or open your Web browser and input https://m.mobilecu.org/MissouriCU. The resulting Web page (shown at the right) is considered the WAP. If you see the following sentence on the Web page: "For a richer experience, download the mobile app to your phone." Use the download hyperlink to install an APP designed specifically for your smart phone. If you don't see this sentence, an APP is not available for your mobile device. Bookmark or save the Web application page (WAP) to your favorites to access your MCU Mobile Banking account in the future. Login to your account. Receive the OTP via e-mail and authenticate your account.

 

 

SMS Mobile BankingSMS Mobile Banking (text messaging) is available for MCU members who have already authenticated their account using the WAP. Setting up SMS Mobile Banking can only be done through the WAP which must have been authenticated using the One-time PIN. A useful guide is found below.

 

 

 

 

 

 

 

Other Useful Information