Member Services
Banking support, built for you.
Member Service That Puts You First
At Montana Credit Union, you’re more than a member–you’re part of a community. From everyday banking to big financial decisions, we’re here to help you move forward with confidence.
Our Routing Number
Montana Credit Union’s routing number is 292977336.
Set Up Direct Deposit
Have your paycheck electronically deposited into your account each payday. Ask a Member Services Representative to set this up for you.
Make a Wire Transfer*
A fast, safe way to transfer money between accounts anywhere in the U.S. Ask us about wire transfers at your local branch.
Set Up Payroll Deduction
Set up automatic deductions from your paycheck to be distributed electronically among your Montana Credit Union accounts. Contact us to get started.
Additional Services & Resources
Our iTalk telephone banking is available 24 hours a day and provides basic account information such as account balances, cleared items, and deposits. Call 1-800-380-6328, 1-800-411-4772, or (406) 761-7794.Â
You can also call us toll-free at 1-800-721-2242.
Please note, we cannot accept an address change via the phone, as your signature is required to make such a change. Digital banking users may change their physical home address in digital banking. After logging in through our mobile app or desktop digital banking, click on Update Address to make this change. If you’d prefer to change your address in person, please stop by your nearest branch location to make changes on your account.
Drop off your deposit anytime of day or night at our safe night drop locations. The money will be credited to your account the following business day.*
Montana Credit Union’s Mastercard debit and credit cards come with a host of benefits, including Mastercard ID Theft Protection. This protection is free to our members, but you must enroll in it to receive the benefit. Services include an online monitoring dashboard, monthly risk alert, identity monitoring, resolution services, lost wallet assistance, single bureau credit monitoring, and monitoring for financial account takeover. Enroll in this free protection here.
In addition, the Fair Credit Reporting Act (FCRA) allows consumers to view their credit reports on an annual basis through the national credit reporting agencies of Equifax, Experian and TransUnion. It is important to review your credit report regularly to prevent fraud. Visit to view your free annual credit report or call 877-322-8228 for more information.
Get the knowledge and tools to finance your post-secondary education.
Montana Student Assistance Foundation
CU Student Choice
Montana Higher Education Student Assistance Corporation
Free Application for Federal Student Aid
Student Assistance Foundation-Smart About College
Managing your money takes work, but it doesn’t have to be stressful. The Consumer Financial Protection Bureau has a host of resources available to help credit union members keep their finances in check. Click here for a great resource with tips on how to manage your spending!
And don’t forget that you always have a strong network of Montana credit unions here to help!
- Corporate (cashier’s) checks
- Visa® gift cards
- Notary service
- Download a statement balance sheet (PDF) to make reconciling your account easy!
Disclosures
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*FUNDS AVAILABILITY POLICY
This Disclosure describes your ability to withdraw funds at Montana Federal Credit Union. It only applies to the availability of funds in transaction accounts. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy.
GENERAL POLICY — Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a business day we are not open, we will consider that the deposit was made on the next business day we are open.
RESERVATION OF RIGHT TO HOLD — In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. Funds may not be available until the second business day after the day of your deposit. However, the first $500.00 of your deposit will be available on the same business day as the date of your deposit. If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.
HOLDS ON OTHER FUNDS — If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited.
LONGER DELAYS MAY APPLY — We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:
- We believe a check you deposit will not be paid.
- You deposit checks totaling more than $6,725 on any one (1) day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six (6) months.
- There is an emergency, such as failure of communications or computer equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.
We may delay the availability of funds from deposits at ATMs as follows:
Proprietary ATMs – Funds from deposits (cash or checks or drafts) made at an ATM that we own or operate will be available by the second business day after the date of your deposit. However, the first $500.00 of the deposit and funds from U.S. Treasury checks that are deposited to the account of the named payee will be available on the first business day following the day we receive your deposit. All ATMs that we own or operate are identified as our machines.
Wire Transfers
For a domestic wire transfer, please have the name of the account holder; the account number, routing number and name of their financial institution; and if the total amount of the wire transfer is more than $3,000, we will need the address of the financial institution as well. Effective December 2018, we will no longer process international wire transfers for members due to increased risk for our membership.