Introducing the new digital banking platform
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What you need to know
Why the change? You spoke and we listened. We are simplifying our online and mobile banking into one platform. Our new digital banking experience provides convenience with enhanced security, new features and functionality. Single sign-on, consistency across all devices, two-factor authentication and easier to access features are just some of the amazing updates!
Will I need to download a new app? Yes. The Apple app is available on the App Store and the Android app is available on Google Play. Search for our new app called MembersAlliance Mobile.
Do I need to re-enroll in online banking? There is no need to enroll in online banking if you have previously enrolled. Log in with your existing credentials on either the website or the new mobile banking app. You’ll need to log in with this information before you can use features like Touch ID or Face ID. If you have not previously used online banking, then you will need to enroll.
Are my bill payments and payees being transferred automatically? Any payees you have previously set up will automatically transfer to the new system.
Will scheduled bill payments carry over to the new digital banking platform?Any scheduled payments will carry over.
Will my previously created scheduled transfers still work? Yes, all existing scheduled transfers have been moved to the new system.
Will my previously created account alerts work in the new digital banking system? Alerts will need to be re-entered in the new system. Alerts set up in the old system are not compatible and will not transfer over.
Will I need to re-enroll in eStatements? You will not have to re-enroll in eStatements. If you have not yet enrolled in eStatements, we encourage you to do so.
What about Quicken, QuickBooks, Mint, or other sites that connect to my banking account?
Our Quicken Connection in online banking is expected to be down for 5 - 7 days after conversion. After that time, you will be able to use Quicken.
QuickBooks will no longer be accessible with the new platform.
Sites or apps you provide your login info to connect accounts, budgeting, etc. may not automatically update to the new platform and may need to be reconnected. (Examples: Mint, Acorns, Plaid, and other Banks or Credit Unions.)
Important: The new platform will use two-factor authentication creating an extra level of security for your account. Having an accurate email, phone number, and address on file is important for accessing and using the new online and mobile banking.
What to expect - first time login
- Log in using your current username and password. *If using mobile banking, download the NEW mobile banking app from Google Play or Apple Store.
- A verification code will be sent to your email address. Make sure to access the email from the same device that you are using to log in.
- Next, set up two-factor authentication. This adds a layer of security by requiring a code when logging into a new device.
- Select to receive your code by text, phone call, or Authy App.
- If you choose phone call or text (recommended), enter your phone number listed under your account. Then select phone call or text, and enter the code.
- After entering your verification code, your two-factor authentication will be set up. You may select “Don’t ask for codes again from this computer,” if it is a trusted personal device, to avoid getting a verification code every time you log in. *NOTE: If you enter the code incorrectly 5 times within 1 minute, it will lock you out for 5 minutes. If you enter the code incorrectly 20 times within 24 hours, it will lock you out for 24 hours.
- Next, you will be prompted to accept the user agreement.
- After clicking accept, you will be taken to your dashboard within online or mobile banking.
What are biometrics and how do I set that up?
Biometrics are Face or Touch ID that can be used in place of your four-digit code when using the app. You will be prompted to turn it on when first logging into your app, but also have the option to turn biometrics on or off within the app.
How do I set up two-factor authentication for a joint user?
Once your two-factor authentication is set up, add the joint owner’s phone number to be used for authentication in the future. From the Dashboard screen, select profile and then settings. Under two-factor authentication, add the additional phone number. When the joint owner logs into the site or app, have them choose their phone number for sending the code.
Note: You will not be able to access the website via old bookmarks or the previous mobile banking app.
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Access your account anytime, anywhere
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Don't have online or mobile banking? Start here.
How do I enroll to digital banking through the website or mobile app?
- Click on the Online Banking link on the website home page, and select First Time User or download the MembersAlliance mobile app and select Enroll now.
- Enter Social Security number, member number, email address, and phone number. This must match what is on file at the credit union.
- An email will be sent containing a verification code. The email must be accessed on the same device or browser that enrollment was started.
- Enter the verification code to continue. *NOTE: If you enter the code incorrectly 5 times within 1 minute, it will lock you out for 5 minutes. If you enter the code incorrectly 20 times within 24 hours, it will lock you out for 24 hours.
- Set up the two-factor authentication by selecting the preferred contact method (phone call, text or Authy app).
- A security code will be sent.
- Once received, enter the security code.
- Accept the user agreement.
- Set up your username and password.
- Then, you will be taken to your dashboard within online or mobile banking.
What are biometrics and how do I set that up?
Biometrics are Face or Touch ID that can be used in place of your four-digit code when using the app. You will be prompted to turn it on when first logging into your app, but also have the option to turn biometrics on or off within the app.
Having issues with enrolling, visit our FAQ page.
Forgot or change password
Forgot your password?
Recover your account by selecting the "Forgot?" link.
If you still are having trouble accessing your account, visit our FAQ page to discover a quick solution, or contact us at 815-226-2260.
How do I change my digital banking password?
On the website:
- From the left menu, scroll to the bottom and click on your profile name
- Click settings
- Click security
- Select edit password
- Follow the onscreen prompts to change password
On the mobile app:
- Select the menu in the upper left of the mobile device
- At the bottom of the menu, click on your profile name
- Select settings
- Select security
- Select change password
- Follow the onscreen prompts to change password
How long is a password reset link good for? 1 hour and the link must be accessed from the same device it was requested on.
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Bank easy with these digital features
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Transfers
Will my previously created scheduled transfers still work?
Yes, all existing scheduled transfers have been moved to the new system.
How do I make a transfer between my accounts?
- Select Transfer from the dashboard tiles or the menu:
- Select your To and From account
- Enter the amount
- Select More Options to change the frequency and date if desired
- Click submit
How do I transfer from my account at the Credit Union to someone else’s account at the Credit Union?
- Select the Member to Member dashboard tile or the menu:
- If you have previously saved members, you may choose to transfer to one of those people, otherwise click New Member Transfer
- Provide the first three letters of the last name of the member (or the first three letters of the non-individual account name)
- Provide the member’s account number
- Select if it is a share or a loan
- Input the 4-digit share ID
- You can check the box ‘save for future use’ to use this member’s account in the future
- Click Next
- Choose your account that the transfer is coming from
- Enter the transfer amount
- Enter the frequency and date
- Placing a memo is optional
- Click Next to review the information, then Submit
Transactions
How do I search for transactions in digital banking?
Account transactions can be searched in online banking by amount, date, tags, etc.
On the website:
- Click Accounts
- In the Accounts section, select the account you would like to search
- In the Activity section, select the magnifying glass icon
- Click on the Search and sorting options to open Advanced Search in online banking
- On the Advanced Search window, you can select specific search filters and select Search
On the mobile app:
- Select your account you want to search
- Select Transactions
- Tap the magnifying glass icon
Tap the
icon to use Advanced Search options.
Add tags, notes, and images to transactions.
Place a stop payment on a check.
Credit Scoring Tool
What is our Credit Scoring Tool?
Our Credit Scoring Tool, powered by SavvyMoney, is a free service to give you access to your full credit report, provide credit monitoring alerts, simulate and learn ways to improve your score, and learn how you can save on new and existing loans with the Credit Union.
How do I get this Credit Scoring Tool?
You have free access through online and mobile banking.
Note: The credit score displayed is the primary's credit score. The Credit Scoring Tool will not show any joint account holder's credit score. This credit scoring tool is only available for personal accounts. Business and non-individual accounts will see the credit score tool tile, but will not be able to see their credit score. Business and non-individual accounts may still view special offers.
How do I use the Credit Scoring Tool?
Your credit score will show up in your digital banking tiles. Click show my score to view the Credit Scoring Tool. When you have score selected at the top menu, it will give you:
- an analysis of each factor that goes into your score
- a view of your report
- a simulator to discover what might affect your score
- a goal tracker to help you stay on track to a better score
If you select offers on the top tab in the Credit Scoring Tool, it will display how much you can save based on current deals and allows you to compare with what you might already have.
Next on the top menu is Alerts. Alerts notify you if there are credit monitoring alerts, or if you have updated payment history.
Last on the menu is Resources. This section will help you discover answers to frequently asked questions about the tool and credit in general. It will also be where you can manager your Credit Score Tool account.
How do I un-enroll from the Credit Scoring Tool?
If you do not want this free credit scoring tool on your online or mobile banking:
- Click on the Credit Score & Report tile
- Select the Resources tab at the top of the Credit Score & Report page
- Click Profile Settings
- At the bottom of Profile Settings, select Deactivate Credit Score Account
You may also un-enroll from the Credit Scoring Tool by emailing [email protected] or notifying the Credit Union that you would no longer like this service.
Bill Pay
Are my bill payments and payees being transferred automatically?
Any payees you have previously setup will automatically transfer to the new system.
Will scheduled bill payments carry over to the new online banking?
Any scheduled payments will carry over.
What is Bill Pay?
Bill Pay allows you to pay anyone, anywhere right from your computer or mobile phone. There is no limit to the number of bills you can pay.
Do I have to enroll in Bill Pay?
If you have already enrolled in bill pay, you do not need to re-enroll. If you are new to paying bills online, complete the following steps to enroll:
- Select Pay a bill
- Select Enroll
- Select Continue
- Proceed with setting up payees
How do I pay a bill?
- Select Pay a bill
- Select the merchant or person you would like to pay
- Select an account to take funds from, and then input the Amount
- If you would like to schedule the payment for a future date, Select More options and select the desired date
- Select Submit
- Confirm password
- Select I'm done, or Add another bill.
How do I pay a person (person-2-person)?
- Select Pay a person > Person to pay (To add a new person, select Add another person and fill out the necessary information) or Select the person to pay in mobile
- Select an account to take funds from, and then input the Amount
- If you would like to schedule the payment for a future date, Select More options and select the desired date
- Select Submit
Message Support
How do I send a message to the Credit Union through online banking?
Whatever device you are on, it's easy to start a secure conversation with the credit union:
- Select the Message tile from the dashboard:
- Type your message and submit
Will I be alerted when the Credit Union responds to my message?
If you are in the app, you will be alerted that you have a new message. If you have not viewed a message from MembersAlliance within 10 minutes, you will receive an email alerting you that you have a new message.
Are messages secure?
Yes, support messages sent between MembersAlliance personnel and members are secure. As with all MembersAlliance online services, security measures are taken to maintain privacy of your confidential information.
Can I send a specific transaction or account through message?
Yes, go to transactions and select which transaction you would like to send. Then click “Attach to a conversation” to either start a new conversation with our member service representatives or add it to an existing conversation.
Alerts
Will my previously created account alerts work in the new online banking system?
Alerts will need to be re-entered in the new system.
To set up account alerts in online banking:
- Select the account you would like to set up an alert for
- Click Alert preferences in the menu or Manage alerts in mobile
- In the Balance alerts section, select Add alert.
- Select Above or Below, and then input a dollar amount.
- In the Alert/Notify by field, select Email, Text message, or In-app message.
- Select Add Alert to save the alert
- Repeat steps for Transaction alerts
How do I delete an account alert in online banking?
- Select the account you would like to delete an alert for
- Click Alert preferences in the menu or Manage alerts in mobile
- Click Edit next to the alert you would like to change
- Click the Trashcan icon or click Remove in mobile
How do I edit an existing account alert in online banking?
- Select the account you would like to edit an alert for
- Click Alert preferences in the menu or Manage alerts in mobile
- Click Edit next the alert you would like to change
- Change your criteria for the alert
- Click Save
How do I set up user alerts?
User alerts notify you if your username, email, phone number, or password was changed. It also lets you know if there has been a login from a new device. These alerts are automatically set up to go to your email, but you can additionally set up text or in app alerts.
- Click settings
- Click user alerts
- Select which alert you would like to edit
- Click which alert option you would like added
- Click save.
For Debit or Credit Card specific alerts check out Purchase Alerts.
eStatements
Will I need to re-enroll in eStatements?
You will not have to re-enroll in eStatements. If you have not yet enrolled in eStatements, we encourage you to do so.
How do I view my account eStatements in online and mobile banking?
Account statements can be downloaded from online banking. These are only available for accounts already enrolled in eStatements.
- Click on any account listed
- Click on View eStatements on the Dashboard or from the Account Details page in the options menu
- Available statements will be listed
Mobile Deposit
How do I make a mobile deposit?
Mobile deposit is available through the mobile app for qualified accounts.
- Select Deposit under the checking account OR select Deposit Check from the menu
- Tap Deposit a Check
- Enter the check amount
- Tap Continue
- Select the account to deposit to
- Take a picture of the front of the check and tap continue
- Take a picture of the back of the check and tap continue
- Verify the information and tap Submit
Note: Make sure you sign and write "MACU - For mobile deposit only" on the back of the check.
Are there limits on the dollar amount and number of mobile deposits I can submit?
There is a single item limit of $5,000 per check.
What should I do with my checks after using mobile deposit?
You should retain the check for 30 days after the deposit has posted to your account. After that time, you may shred it.
Update Information
Can I change my phone number, email address, or primary address online?
Update your phone number, email address, or primary address online with the following steps:
- Click on the User Profile icon and click Settings
- Click Edit next to your phone, email, or address
- Verify your password
- Edit your contact information
- Click Save
Updates will happen immediately. All updates will be reviewed by a Member Solutions Representative who may contact you for additional information.
Note: Updates are made to the primary member only, if there are joint owners on the account that need to be updated, they will need to be done in person.
How do I change my username for online banking?
- Select your username icon in the top right corner or menu in mobile banking
- Select Settings and then select Security option on the left side menu
- In the Username field select Edit
- Enter your current password when prompted
- Change your username and select Save
Card Management
How do I block and unblock my debit card?
- Under the Card Management tile, click the toggle slider to turn the desired card off
- Turning a card back on is done by simply clicking the toggle next to the blocked card
How do I report my debit card lost or stolen?
- Go to Card Management
- Find and select the card that is lost or stolen
- Select Report Card Lost/Stolen
- Choose whether the card is lost or stolen
- Confirm on the next screen
- A member support team member will contact you to assist with ordering a new card and to evaluate if there was any suspicious activity on the account
How do I activate my debit card?
- Go to Card Management
- Find and select the card you wish to activate
- Verify the name and card number
- Select Activate
How do I add a travel note on my debit card?
- Click the sidebar menu
- Select Travel Notices
- Click Add travel notice
- If traveling to a U.S. state type in state
- Type in country
- Enter date range, and confirm email and phone number
- Select the cards you will use while traveling
- Click save
Re-order Checks
- On the dashboard, click on your checking account from the account list
- On the account details page, from the options section, click on the Reorder checks link
Connecting to Quicken, Mint, or other apps
What do I have to do to update Quicken, Mint and other connecting apps after the digital banking update?
Tools such as Quicken and Mint can be reconnected in a few easy steps.
For the first time logging in to Quicken, or Mint after the online banking update, you will need to reconnect all accounts in order to reactivate your feed. You will need to do the following actions in Quicken:
- Log in to the new online banking system first to verify access and set up Two-Factor Authentication
- Log in to your Quicken software
- Always take a back-up of your software before performing any new action
- Find the account you wish to update
- Click the Actions option on the account
- Click Edit Account details
- Select Online Services and Reset Account or Deactivate/Reactivate account
- Ensure that you are using Express Web Connect option (Direct Connect is not supported)
- Insert your username and password
- Select how you would like to receive your one-time passcode
- Complete the setup and review your transactions
You may have to perform this action for each share on your account in order for all of them to link. Mint follows the same process but have varying on screen prompts.
Note: Quicken connection in Online Banking is expected to be down for 5-7 days after conversion. QuickBooks will no longer be accessible with the new platform.
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Couldn't find what you're looking for? Visit our FAQ page for troubleshooting issues, or more details about specific digital features.