Lost/Stolen Card Information

Internet & Mobile FAQs

• How do I log in to Internet/Mobile Banking?
  If it is the first time you are logging in, you will use your account number as the user ID, and the last four digits of your SSN as the password. You will then be prompted to select a new password (at least 10 characters using 3 different types of characters: number, lowercase letter, uppercase letter, or special characters), new security questions, and a new security image.
  
  If you have issues logging in after the initial set up, give us a call at (606) 784-2201.
• How do I download the mobile app?
  Just search Morehead Community on the app store your device uses.
• How do I view accounts I am a joint owner on?
  Open the menu and click on your name at the top. This should bring up a list of all the accounts you have access to.
• How do I rename my sub-accounts?
  Open the menu, select Settings, select Edit Suffix, choose the suffix you wish to change, type in your new description, then Save.
• How do I update my mailing address or phone number?
  1. Sign in to your Internet or Mobile Banking
  2. Open the menu
  3. Under USER PROFILE select SETTINGS
  4. Under ACCOUNT SETTINGS select EDIT ADDRESS
  5. Change the mail address and select SUBMIT
  6. Select DONE
• How do I update my email address?
  1. Sign in to your Internet or Mobile Banking
  2. Open the menu
  3. Under USER PROFILE select SETTINGS
  4. Under ACCOUNT SETTINGS select EDIT ADDRESS
  5. Scroll down to the email box
  6. Change your email address and select SUBMIT
  7. Select DONE
• How do I sign up for e-Docs/e-Statements?
  For web:

  1. Sign into your Internet Banking
  2. Open the menu options (in the top left of the screen)
  3. Under USER PROFILE, select SETTINGS
  4. Under ACCOUNT SETTINGS, select EDIT EMAIL
  5. Click on your email address and check the box next to STATEMENTS
  6. Click I AGREE to accept the terms and conditions
  7. Select SUBMIT

  For mobile:

  1. Sign into our mobile app
  2. Tap the MENU in the bottom right corner
  3. Scroll down to USER PROFILE and tap SETTINGS
  4. Scroll down to ACCOUNT SETTINGS and tap EDIT EMAIL
  5. Either add an email address or tap on the one you currently have on your profile
  6. Make sure STATEMENTS is switched ON and tap SAVE

  You will now receive emails when your e-Docs are available! You will be able to view, print, or download them from within our Internet or Mobile Banking.
• How do I set up a transfer?
  If you have multiple accounts, make sure you have chosen the one you want to transfer from by opening the menu, clicking your name, and selecting the correct account.
  
  For web:

  1. Sign in to your Internet or Mobile Banking
  2. Open the menu and select TRANSFER under ACCOUNTS, or click TRANSFER along the top menu bar
  3. Select the account suffix you wish to transfer to and from
  4. Enter the amount you wish to transfer
  5. Enter the frequency

  For mobile:

  1. Open our mobile app and tap TRANSFER along the bottom of the screen
  2. Tap MAKE TRANSFER
  3. Select the suffix you want to transfer FROM and the suffix you want to transfer TO
  4. Enter the amount you wish to transfer and tap NEXT.
  5. Enter the frequency
  6. Tap SUBMIT to complete your transfer
• How do I set up automatic loan payments?
  For web:

  1. Open the menu and select TRANSFER under ACCOUNTS
  2. Choose which loan you want to pay, and which account to pay from
  3. Enter the amount
  4. Check the box for scheduled or recurring transfers underneath the amount and click CONTINUE
  5. Select a transfer date and frequency

  For mobile:

  1. Open our mobile app and tap TRANSFER along the bottom of the screen
  2. Tap MAKE TRANSFER
  3. Select the suffix you want to transfer FROM and the suffix you want to transfer TO
  4. Select SCHEDULED
  5. Select a transfer date and frequency. Tap NEXT
• How do I set up Bill Pay?
  1. Log in to your Internet Banking account and open the menu
  2. Under SERVICES select BILL PAY
  3. Complete the Bill Pay form
• How do I set up mobile notifications?
  1. Open our app and tap the menu in the bottom right
  2. Under SERVICES select NOTIFICATIONS
  3. Make sure ENABLE NOTIFICATIONS is switched on. You will then be able to set up notifications for your checking and savings accounts as well as your loans
• How do I withdraw a check from my account?
  1. Log in to your Internet Banking account and open the menu
  2. Under SERVICES select WITHDRAWAL
  3. Choose which account to withdraw from, and enter the amount
  4. Click SUBMIT. The check will be made out to you (the account holder) and mailed to the address on file
• Transfer Setup for Internet Banking
  Internet Banking offers the flexibility for you to setup a recurring transfer or loan payment on your credit union accounts. Follow the directions below to setup recurring payments or transfers between your credit union deposit accounts and loan accounts.
  
  To set up a transfer, follow these instructions:
  For web:

  1. Sign in to your Internet or Mobile Banking
  2. Open the menu and select TRANSFER under ACCOUNTS, or click TRANSFER along the top menu bar
  3. Select the account suffix you wish to transfer to and from
  4. Enter the amount you wish to transfer
  5. Enter the frequency

  For mobile:

  1. Open our mobile app and tap TRANSFER along the bottom of the screen
  2. Tap MAKE TRANSFER
  3. Select the suffix you want to transfer FROM and the suffix you want to transfer TO
  4. Enter the amount you wish to transfer and tap NEXT
  5. Enter the frequency
  6. Tap SUBMIT to complete your transfer

Remote Deposit FAQs

• How do I deposit a check through Remote Deposit?
  1. Log in to our mobile app
  2. Tap DEPOSIT along the bottom of the screen
  3. Press DEPOSIT A CHECK and tap OK to allow the app to access your camera
  4. Read over the instructions and tap OK
  5. Tap CHECK FRONT and take a picture of the front of the check
  6. Tap CHECK BACK and take a picture of the back of the check
  7. Tap NEXT
  8. Tap READ DEPOSIT DISCLAIMER and tap OK when you have looked it over
  9. Tap DEPOSIT
  10. Tap OK on the confirmation screen
• How do I endorse a check for Remote Deposit?
  Follow the example here:
  Your signature
  MCFCU Account #
  FOR REMOTE DEPOSIT ONLY
• How secure is Remote Deposit?
  Remote Deposit offers the same security that you have with online banking. For added protection, the images of your checks are stored securely at the credit union and not on your mobile phone.
• What types of checks are accepted through Remote Deposit?
  General items that are accepted are:

  1. Personal checks
  2. Business checks
  3. Government/Treasury checks
  4. Cashier’s checks

  Checks must be from U.S. institutions and in U.S. dollars.
• What types of checks are NOT accepted through Remote Deposit?
  1. Checks drawn on financial institutions outside the U.S.
  2. Money orders
  3. Traveler’s checks
  4. Checks payable to an individual not on the account
  5. Checks drawn on your account at MCFCU
  6. Checks that contain evidence of alteration
  7. Checks made payable to “cash”
  8. Checks that you know or suspect are fraudulent
  9. Checks that were previously converted to a substitute check
  10. Checks that were previously deposited but returned unpaid
  11. Stale dated checks (Generally checks over 6 months old, but this may vary if indicated on the front of the check.)

  For specific non-eligible items, see Presentment Prohibitions within the Electronic Banking Agreement.
• Can I deposit checks into my MCFCU savings accounts through Remote Deposit?
  You can make mobile deposits into any of your checking and savings accounts at MCFCU. Available accounts are limited to accounts linked to your Internet Banking user ID.
• When will my funds be available?
  Deposits are subject to verification and follow the availability requirements outlined in your Account Disclosures under the heading “Your Ability to Withdraw Funds at MCFCU.” Checks received prior to the cutoff time of 3pm on business days will be processed on the same day. Checks depositied after the 3pm cutoff will be posted on the following business day. Deposits will be available after they have been reviewed and posted to your account. Once the deposit has been received you’ll be able to view the pending transaction on your mobile phone under “View Holds.” Once holds are released, the funds are available for use.
• What happens if there is an issue with the deposit?
  Once you’ve made your deposit, you’ll receive a confirmation number within the mobile app. Should we determine that we cannot process your transaction, or if issues arise that result in the deposit being delayed or not processed, you will see a negative adjustment on your account for the amount of the deposit. If you have questions regarding a pending remote deposit, please call us at (606) 784-2201.
• Is there a limit to how much can be deposited through Remote Deposit?
  There is a daily limit of $5,000 and a maximum single item deposit of $5,000 when using Remote Deposit.
• Are there any fees?
  There is no fee from MCFCU for using this service, but we recommend that you check with your cell service provider to see whether any data charges will apply.
• When I take a picture of the check, do I need to capture the whole check in the picture, or is it okay to just capture the amount?
  The whole check must be visible in the image. The app will prompt you to take a photo of the front and back of each check that you deposit. The image of the check must be legible and complete; if the quality of the image is poor or the image is missing necessary information, the check will not be processed.

Wire Instructions

• Incoming Wires
  We are able to receive funds wired to your account at Morehead Community FCU from another financial institution. However, there is certain information you must provide to insure the fastest and most accurate posting of your funds.
  
  

  1. Volunteer Corporate Credit Union
     2460 Atrium Way
     Nashville, TN 37214
     ABA#: 264182395
  2. For further credit:
     Morehead Community Federal Credit Union
     503 W Main St.
     Morehead, KY 40351
     ABA# 242186326
  3. For final credit to:(your name and your MCFCU account number)
     Member’s Name
     Member’s Acct#
     Member’s Address
     Specify either savings or checking
• Outgoing Wires
  Contact the receiving financial institution for their specific wiring instructions before contacting us. See our fee schedule for the Outgoing Wire Fee.