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    • Use the form below to contact us directly for general questions or to provide feedback. Please do not include member numbers or account numbers. If your need is urgent, we invite you to contact us by phone at: 800-296-8871 or stop by any of our office locations.

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    Members Cooperative Credit Union Go to main content

    Online Banking


    Online Services


    Calling all members! Get quick and easy options to help you stay on top of your account information.

    Text Banking

    Stay in the loop, with text banking and text alerts! Follow these easy steps to register:

    • Log in to online banking.
    • Select the ‘Additional Services’ tab at the top of the screen.
    • Click on ‘Profile Updates’ from the drop down menu.
    • Select ‘Text Banking’.
    • Use the mobile number on file, or select ‘Enter a new mobile phone for Text Banking’ and enter the phone number.
    • Agree to the Terms and Conditions Privacy Policy.
    • Click ‘Add’.
    • Trigger an activation code.
    • Once you receive the Activation Code on your mobile device, enter the code and click “Next”.
    • Once that is complete, exit and go to ‘Additional Services’ and click ‘Alerts’. Here you can manage your alert preferences.

    Text Banking Help

    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 the short nicknames 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

    to get the balance information.

    Texting the command

    bal all

    will return the available balance of all your accounts.

    hist - returns the history with last 5 transactions of your primary account.

    The short 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 request the history of an account by texting hist, it returns with the last 5 transactions. To get the next 5 transactions, simply text more. Texting more again will return the next 5 transactions and so on until there are no additional transactions available on your account. 

    nick - returns a list of all your account nicknames. 

    help - returns a list of all commands. 

    stop - this command will unsubscribe the phone from Text Banking.

    Text Banking FAQs

    What is 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. 

    What do I need to do to get started with Text Banking?

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

    Is the mobile Text Banking free?*

    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. 

    What are the commands for Text Banking?

    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. 

    Do I need to create short nicknames to use with Text Banking?

    Yes, you do need to create short nicknames to use with Text Banking. It is a lot easier to request the balance of a specific account with short nicknames and makes the reply shorter. 

    Do I have to text the commands in all CAPS?

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

    Is Text Banking secure?

    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. 

    How can I remove a phone from Text Banking?

    You can remove a phone from Text Banking by two methods:

    a) Texting back stop will remove the phone from Text Banking, or
    b) 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 wish to remove from Text Banking.

    Note that you will 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 Members Solutions at: 1-800-296-8871.

    Virtual Phone Assistant 

    Why wait? Get help 24/7 with MCCU’s virtual phone assistant. It’s instant, easy, and secure. Just call 1-800-296-8871 or 218-625-8500 and tell us in a few words what you need. 

    The virtual phone assistant can:

    • Answer frequently asked questions (“what’s MCCU’s routing number?”, “How do I activate my debit card?”)
    • Perform common banking transactions (“check my balance”, “transfer funds”)
    • Let you know when you need to connect with an MCCU team member
    • Provide assistance any time, any day.
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    This credit union is federally insured by the National Credit Union Administration. We do business in accordance with the federal Fair Housing Act and Equal Credit Opportunity Act.

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