Online Banking
Online Banking is a fast and convenient way to do your financial business online 24 hours a day, 7 days a week. With Online Banking, you keep your personal finances organized quickly, safely, and securely. Whether you are at home, at work, or on the road, Online Banking makes it easy to access a variety of easy-to-use services, and it is FREE.
Features include:
✔ View Balances
✔ Transfer Funds between Accounts
✔ View Recent Transactions
✔ Check your Credit Card Balance & Rewards
✔ Pay Bills with Bill Pay
✔ Access account statements (e-Statements)
✔ View cleared Check Images
✔ Receive Account Alerts (E-Alerts) via email or mobile text message
✔ Make loan payments
✔ Use secure messaging
✔ And much more!
Click here to enroll or log in to Online Banking.
Mobile Banking
Say goodbye to the confines of traditional banking. Embrace the future of finance with Members First Community Credit Union Mobile Banking - the ultimate banking experience, now in the palm of your hand...Whether you're paying bills, transferring funds, or just checking your balance, Mobile Banking makes it quick, convenient, secure, and seamless!
✔ Check Your Balance
✔ Mobile Deposit
✔ Pay Your Bills
✔ Check your Credit Card Balance & Rewards
✔ Transfer Funds: one-time or recurring
✔ View Account Transactions
✔ View e-Statements
✔ View Check Images
✔ Make Loan Payments
✔ Use Secure Messaging
✔ Find Branch and ATM Locations
✔ And More!
Home banking terms and conditions
Agreement and disclosure
(homebanking, mobile banking)
This agreement and disclosure is the contract which covers your and our rights and responsibilities concerning the homebanking services offered to you by Members First Community Credit Union. The homebanking service permits you to electronically initiate account transactions involving your accounts and communicate with Members First. In this agreement, the words "you", "your" and "yours" mean those who request and use homebanking, any joint owners of accounts accessed under this agreement or any authorized users of this service. The words "we", "us" and "our" mean Members First. The word "account" means any one or more accounts you have with Members First. Homebanking may refer to account access via web browser (homebanking) or the mobile application (mobile banking). By requesting and using the homebanking service, each of you, jointly and severally, agree to the terms and conditions in this agreement, and any amendments.
Homebanking and mobile banking services
Account access:
You may register homebanking and mobile banking service on your personal computer or mobile device to access your account(s). You must use your account user id and password to access your accounts. The homebanking service is accessible seven (7) days a week, twenty-four (24) hours a day with occasional downtimes for maintenance or updates. You will need a personal computer or mobile device, a compatible browser, and access to the internet (world wide web). You are responsible for the installation, maintenance and operation of any software and your computer. Members first will not be responsible for any errors or failures involving any telephone service, internet service, software installation or your computer.
Types of transactions: at the present time, you may use the homebanking service to:
• transfer funds between your checking, savings and loan accounts.
• transfer funds to accounts of other members you authorize for any of your accounts.
• review account balance, transaction history and tax information for any of your checking, savings or loan accounts.
• request a withdrawal from any checking or savings account by check mailed to you.
• conduct other transactions permitted by Members First
• communicate with Members First using the electronic mail ("e-mail") feature.
Transactions involving your deposit accounts will be subject to the terms of your account agreement.
Service limitations
The following limitations on homebanking transactions may apply in using the services listed above:
Transfers:
You may make funds transfers to other accounts of yours as often as you like. You may transfer or withdraw up to the available balance in your accounts, except as limited under this agreement or your deposit or loan agreements. Members first reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.
Account information:
The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for atm transactions and our funds availability policy.
E-mail:
Members first may not immediately receive e-mail communications that you send and Members First will not take action based on e-mail requests until Members First actually receives your message and has a reasonable opportunity to act. If you need to contact Members First immediately regarding an unauthorized transaction or stop payment request, you may call Members First.
Security of password and/or security token:
The personal identification number (password) and/or any security token issued to you are for your security purposes. The password, security token, security questions, and/or challenge questions are confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping both. You agree not to disclose or otherwise make these available to anyone not authorized to sign on your accounts. We highly encourage the use of our multi-factor authentication to further secure your electronic access. If you authorize anyone to use your password or security token, that authority shall continue until you specifically revoke such authority by notifying Members First. If you fail to maintain the security of these security measures and Members First suffers a loss, we may terminate your homebanking and account services immediately.
Liability for unauthorized access:
You are responsible for all transfers you authorize under this agreement. If you permit other persons to use the homebanking service with your password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your password or accessed your accounts through code, card, or draft without your authorization. Telephoning is the best way of keeping your possible losses down.
Also, if your statement shows transfer that you did not make including those made by card, code, or other means, tell us at once.
Fees and charges:
There may be certain charges for homebanking services as set forth on Members First fee schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law (21 days’ notice, at least).
Periodic statements:
Transfers and withdrawals transacted through homebanking will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.
Account information disclosure: we will disclose information to third parties about your account or the transfers you make: • as necessary to complete transfers; • to verify the existence of sufficient funds to cover specific transactions upon the request of a payee or a third party, such as a credit bureau or merchant; • to comply with government agency or court orders.
Members first will not be responsible:
• if through no fault of ours, you do not have adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed your credit limit on your line of credit, if applicable.
• if you used the wrong code or password or you have not properly followed any applicable computer, internet access, or Members First user instructions for making transfers.
• if your computer fails or malfunctions or the homebanking service was not properly working and such problem should have been apparent when you attempted such transaction.
• if circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction.
• if the funds in your account are subject to an administrative hold, legal process or another claim.
• if you have not given Members First complete, correct and current instructions so Members First can process a transfer.
• if the error was caused by a system beyond Members First’s control, such as your internet service provider..
• if there are other exceptions as established by Members First from time to time.
Termination of homebanking services:
You agree that we may terminate this agreement and your use of the homebanking services if you or any authorized user of your account or password and security breach this or any other agreement with us, or if we have reason to believe that there has been an unauthorized use of your account or password and security.
You or any other party to your account can terminate this agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. However, termination of this agreement will not affect the rights and responsibilities of the parties under this agreement for transactions initiated before termination.
Notices:
Members first reserves the right to change the terms and conditions upon which this service is offered. Members first will provide notice to you at least twenty-one (21) days before the effective date of any change, as required by law. Use of the service is subject to existing regulations governing your accounts and any future changes to those regulations.
Billing errors:
In case of errors or questions about your homebanking transactions, telephone us at the phone number listed or write to us as soon as you can at Members First Community Credit Union, 1201 North 24th Street, Quincy, IL 62301. 217-223-4377 telephone is best.
We must hear from you before sixty (60) days after on which the problem appears.
• tell us your name and account number.
• describe the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) calendar days. We will determine whether an error occurred within ten (10) business days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question.
Enforcement:
You agree to be liable to Members First for any liability, loss, or expense as provided in this agreement that Members First incurs as a result of any dispute involving your accounts or services. You authorize Members First to deduct any such liability, loss, or expense from your account without prior notice to you. In the event either party brings a legal action to enforce the agreement or collect any overdrawn funds on accounts accessed under this agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable.
Governing law:
This agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the state where you opened your account and the bylaws of the credit union as they now exist or may be hereafter amended. You understand that we must comply with these laws, regulations, and rules. You agree that if there is any inconsistency between the terms of the agreement and any applicable law, regulation, or rule, the terms of this agreement will prevail to the extent any such law, regulation, or rule may be modified by agreement between us.
E-statement disclosures
By choosing to enroll in the electronic notices (“e-statements”) you agree to accept various account related notices by email delivery. Your online e-notices may include:
• monthly/quarterly account statements
• share certificate renewal
• checking account overdraft
• checking account paid nsf
• ach overdraft
• ach paid nsf
• atm overdraft
• certificate payment
• certificate renewal
• late loan payment
• checking unpaid nsf
• ach unpaid nsf
• and others as developed by the credit unioYou must have an e-mail address on file in order to receive and view e-notices. Upon agreeing to receive e-notices online, the paper version or hard copy will not be mailed to you. You may withdraw your consent to receive e-notices or change your e-mail address at any time by using the homebanking function to un-enroll or edit your e-mail address. It is your responsibility to change your e-notice delivery options and/or e-mail address by updating it yourself.
E-statements
Reduced paper. Quicker access. Enhanced security.
Explore the advantages of paperless recordkeeping with electronic financial documents, securely delivered to your account.
E-Statements provide fast, safe, and secure delivery and storage with the ability to always find your statement when you need it, all while having less clutter around the house.
Interested in signing up for e-Statements? It’s easy to get started - just log into your online banking and click more!
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✔ Have unlimited access to your credit score and report
✔ Make better decisions through real-time notifications
✔ Uncover important insights into all credit score factors
✔ Discover useful tools and financial education along the way
Your credit score is more than just a number; it's your key to better financial opportunities. Start today and discover how you can take charge of your financial future.
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