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Text & phone banking


Manage your account with quick and easy options.

Text banking

Stay in the loop with text banking and text alerts.1

It’s easy to register:

From a browser

    1. Log into online banking
    2. Click on your name in the upper right corner
    3. Click on Settings
    4. Click on Text Banking

From the mobile app

    1. Click on Menu
    2. Click on Settings
    3. Click on Text Banking

Under Settings, click on Alerts to manage alerts.

Virtual phone assistant

Get help 24/7 with our virtual phone assistant.

It’s easy to register:

Just call 1-800-296-8871 or 218-625-8500 and tell us what you need.

The virtual phone assistant can:

  • Answer common questions (“What’s the routing number?”, “How do I activate my debit card?”)
  • Perform common transactions (“Check my balance”, “Transfer funds”)
  • Let you know when you need to connect with a team member
  • Provide assistance any time, any day

Text banking FAQs

  • Text banking supports the following commands. (Note: the commands are not case-sensitive.) Texting uses your wireless phone’s texting capabilities. Standard text messaging rates may apply. Check with your mobile service provider for fees and charges.

    bal – Returns the balance on your primary checking or savings account.

    When you create short nicknames for text banking, you can use them with the balance command to find the balance of any account such as:
    bal <nickname>. For example, if you gave a nickname to your checking account as chk, you could text bal chk.

    bal all-
    Returns the available balance of all your accounts.

    hist – Returns the history with the last five transactions of your primary account. Nicknames can be applied to the command as hist <nickname>. For example, if you gave a nickname of chk to your checking account, you could use hist chk.

    more – The more command is used with the hist command. When you text hist, it returns the last five transactions. To get the next five transactions, simply text more. Texting more repeatedly will return transactions until there aren’t any more available.

    nick – Returns a list of all your account nicknames.

    help – Returns a list of all commands.

    stop – Unsubscribes the phone from text banking.

  • Text banking is an easy, fast and secure way of banking while using the texting capabilities of your mobile phone. With text banking, you can find out the balance and transactions of your accounts on the go, just by texting.

  • You’ll need to enroll in text banking either online (desktop) or on mobile (browser or app) devices. For desktop, go to the Additional Services menu and the Profile Updates tab to enroll. On the mobile app, go to the Customer Service menu item. You’ll need a mobile phone with texting capabilities. Standard messaging and data rates may apply.

  • Text banking is free to enroll and use, however, your mobile wireless carrier may charge you standard data and messaging rates. Please contact your mobile wireless carrier for messaging and data rates.

  • The commands for text banking are: bal, hist, more, nick, help and stop. The details of each command are available in the help content above.

  • Yes, you should create short nicknames to use with text banking. It’s a lot easier to request the balance of a specific account with a short nickname, and it makes the reply shorter.

  • No, the commands are not case-sensitive. You can text BAL, Bal, or bal which would all mean the balance command.

  • We do not transfer any account numbers, passwords or sensitive information. The phone is assumed to be secure with the owner and it is the owner’s responsibility to lock the phone for privacy. The balance and transaction history being returned from your account will remain in your messaging history until deleted.

  • You can remove a phone from text banking by two methods:

    1) Texting back STOP will remove the phone from text banking, or
    2) From your online (desktop) or mobile (browser or app) device, go to the Text Banking screen from Additional Services > Profile Updates > Text Banking. Here you can delete the phone number you want to remove.

    Note that you’ll need to enroll the phone number again the next time you want to use that phone for text banking.

    If you have questions, please contact us at: 1-800-296-8871.

  • Anyone with a mobile device that can send or receive text messages can use text banking.

  • When you want simple answers fast, text banking gets you information in seconds.

    Use it to:

    • Check your account balances.
    • Transfer funds between your accounts.
    • Check your transaction history.
    • Find the nearest ATM and branch location.
    • Check the due date for your credit card bill.

    Having both text banking and mobile banking on your phone expands the options you can access on the go.

  • At Members, you can enjoy the convenience of text banking and alerts. To register for text banking, log into online banking and follow the easy steps to register.


1 When you register for Members Cooperative Credit Union’s text banking, you are consenting to receive text messages from the credit union.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.

Video Banking

Juneteenth Holiday Closure All offices will be closed Wed., 6/19, for Juneteenth. β€―ATMs, mobile services, and online banking are available 24/7. View all our holiday closures.