Digital Banking & Bill Pay

Digital Banking & Bill Pay

MC Federal offers online and mobile banking with Bill Pay as part of our digital banking package to safely access your accounts whether you are home going over your checkbook or out and about running errands. Anywhere your computer or mobile device has internet connection, you can connect to us. Our digital banking suite has the same look across the board, making it easier to navigate. You can now personalize your dashboard, look at check images, and do internal transfers from either device. To reduce our carbon footprint, online banking offers e-statements which allow members to view their monthly statement faster and reduces paper consumption. Accessing your account is simple, safe, and secure and will allow you to view and manage your account in the following ways:

Backpacker with laptop near mountains

Online Banking

Use the Log In button at the top of the home screen, sign up for an account, or visit to login and experience all these great benefits for yourself.

Mobile Banking

Our mobile banking app can be downloaded in the App Store for iPhone and the Google Play Store for Android devices. Our app is also available to use on tablets. Our mobile banking users can also use Mobile Deposit to deposit a check simply by taking a clear picture of the front and back.

Mobile Deposit

 Simply log into the app with the same username and password you established for your online banking account. Members must apply via our mobile app in order to use this feature. Members can start the application process by going to “Options”, then “Deposit Check”.

The team at MC Federal has developed a Mobile Banking Application. Mobile Deposits put ultimate convenience at your fingertips by allowing you to submit check deposits using your smart phone 24/7 and give you access to those funds within a few hours (based on your deposit limit). Our App benefits members by cutting travel time to a branch, and allows for weekend check deposits too. 

Some members may not qualify to use Mobile Deposits based on creditworthiness and account standing at the credit union.

Access is easy! Search for “MC Federal Credit Union” using any smartphone in your App Store and download it today! Members must then apply via our mobile app in order to use this feature. Members can start the application process by going to “Options”, then “Deposit Check”.

To make a Mobile Deposit, simply type in the amount, select the account you would like to deposit your check into, take a clear picture using your smartphone camera of the front and back of the correctly endorsed check, and then click submit.

Checks should be endorsed by all parties named on the check. Below the signature(s) it should read “For Remote Deposit at MCFCU (or MC Federal Credit Union)”.

The maximum available deposit amount for Mobile Deposits varies by member and is determined by Credit Union relationship, creditworthiness and other relationship factors. At any given time, you are able to deposit this amount minus any pending Mobile Deposits.

Your account is set up with three limits.
The default limits are:,

Per Item Limit: $1,000

Daily Limit: $1,000

Daily Credit Limit: $225

Per Item Limit: allows you to deposit a single check up to this set amount.

Daily Limit: allows you to deposit multiple checks up to this set amount daily.

Daily Credit Limit: you will receive credit for the check into your account up to this amount daily. (Example: deposit $454.19 total worth of checks. $225.00 of the $454.19 will be available in the following hour. The remaining will be available after two business days, unless the check is large or the account was/is not in good standing.)

There is no limit to the number of deposits you can make, provided you do not exceed your available deposit amount.

  • Share Savings accounts, including Money Market and Club/All Purpose accounts
  • Share Draft Checking accounts

No, it is our policy that we do not accept third party checks.

No. The check may pass through the picture phase but once it is reviewed by our Mobile Deposit team it would be removed and you would be contacted.

You should always retain the checks that you mobile deposit for at least 10 business days. This is to ensure that our reviewers do not have any issues with it. This also allows sufficient time to pass through the Federal Reserve.

**Member must use our Mobile Banking Application to access Mobile Deposit.

**Subject to Approval.

Bill Pay

Bill Pay. with cartoon woman sitting on couch

Pay all your bills, all in one place. It’s easy, secure and free.*
With Bill Pay, you can pay your electric bill, your credit card and your babysitter, all from your personal bank website. No more writing checks, no stamps, no envelopes, no waiting.

See Frequently Asked Questions

Benefits of Using Bill Pay:

*To Use Bill Pay you must first sign up for MC Federal Digital Banking.


Our Commitment:

Our digital banking services incorporates a multi-layered security system, and basic security features like account picture recognition, security questions, and restricting login on multiple devices at once.

To sign-up for online banking, you just visit our website and choose enroll. When your account is created everything is laid out clearly and up to date so there is no hassle. Personalize your dashboard to your own preferences.

The provisions of online banking are expansive. Transfer funds to different accounts, view account histories and balances, and organize your financial information. Even view photos of checks your wrote out.

No more wasting your time driving to an MC Federal branch location or waiting in line. Logging into your account just requires a banking ID and a password. If you save your information, you may not even need your password, with thumbprint and/or facial recognition. The process will have your account information displayed in seconds.

All you need is an Internet connection. Whether you’re out shopping, away on business, residing in a different state, or just away for a weekend get-a-way, control your money anytime, anywhere.

Control all of your accounts from home. No more rushing to the Credit Union to transfer funds, instead do it when the time is best for you. Bring the power of the Credit Union to your home.