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Online Banking

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How do I sign up?

Signing up for [email protected] is easy! If this is your first time logging in to [email protected], you will have a temporary password, which is MTCU plus the last 4 digits of the primary account holder's social security number. Please make sure the MTCU is in all capital letters. Once you successfully log in, you will be prompted to change your [email protected] username or ID to something of your choosing. Your username or ID must be between 8-20 characters, and can be a mix of letters and numbers. You will then be asked to change your password to something of your choosing which, again, must be between 8-20 characters, and can contain letters, numbers, and symbols.

If you still experience difficulty logging in, please give us a call at (406) 727-2210 or stop by one of our branches, and we would be happy to help you enroll.

Please note, if you are accessing [email protected] on a tablet, you will need to have cookies enabled in your browser. You can check this in your tablet's internet settings!

Is it secure?

ONLINE BANKING SECURITY NOTICE

Montana Credit Union is concerned about your online security. As a result, we are implementing an added security feature to our online banking. When signing in to home banking, you will be asked to select a security image and to select and answer a series of security questions. These changes are designed to help give you peace of mind - knowing that additional security is in place to protect your information. 

These new security measures will become mandatory in order to access your account online after February 1st. Please see member services with any questions. And remember, you will only be asked to supply this confidential information upon logging into your account via online banking. Only provide this information when you are initiating a transaction. There are already a number of scam artists working to try to gain access to your accounts. We will NEVER ask for personal banking information via an email.

Please ignore any such requests and notify us immediately if you are targeted. And remember - Never log in to PC Banking via a link through an email. Only do so by typing in the web address http://www.montanacu.com/ and logging in via our website.

PASSWORDS

Montana Credit Union would like to stress the importance of using strong PINs/passwords. We require using PINs/passwords which are at least eight characters in length, alphanumeric, case sensitive, and require the use of at least one special character (such as ! # $ % &, etc.).

SECURITY SOFTWARE

Montana Credit Union recommends that all members install antivirus, anti-spyware, and anti-malware programs on their home computers. It is also important to keep signature files updated by downloading and installing updates on a daily basis.

PUBLIC ACCESS COMPUTERS

Be aware of the risks associated with using a publicly accessible computer to access your Credit Union accounts. Computers accessible to the public may be infected with viruses and/or malicious software, such as Trojans and keyloggers.

Where do I log in?

Scroll to the top of this page — or any page on our website — and click the "Log In" button in the top right corner. Enter your information into the corresponding field.

Can you help me troubleshoot a problem?

PAGE NOT FOUND ERROR

If you are trying to reach the PC Banking Login page from a bookmark and are receiving an error message, the address has changed, or the page has been eliminated. Please remove the old bookmark, access the page by typing http://www.montanacu.com/ in the address bar, or click the links above. 

TIME-OUT ERROR

If you have received a Time Out error message, please retry your connection by closing out and going back in to http://www.montanacu.com/, or use your browser's 'Back' button.

We have a 24/7 help desk available for assistance at 1-888-276-8127.

We apologize for any inconvenience you may experience with the website. Please feel free to contact us with your concerns. 

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Mobile Banking 

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How do I get started?

Need to deposit a check, transfer funds, or pay bills on the go? Banking at Montana Credit Union just became that much easier with free mobile banking!

Getting started is easy — simply download the free app for your Apple® or Android device. 

What can I do in mobile banking?

With mobile banking, your local branch is always open! You can view your account balances, transfer funds between your Montana Credit Union accounts, pay bills, and more all from the convenience of your mobile phone. Please note, even though bill payments may be made through mobile banking, you must initially add payees through online banking. 

You’ll enjoy:

  • Mobile Deposit – deposit a check from your mobile device any time, any place
  • Safe and secure Bill Pay
  • The ability to manage your Montana CU debit, credit and ATM cards
  • Easily transfer funds between accounts
  • Track your spending patterns through Spending Graphs 

Who is eligible for mobile banking?

All members are eligible for mobile banking. All you need is an active online banking account.

How much does mobile banking cost?

Mobile banking is just another free service that we offer to our members at Montana Credit Union. However, the ability to view web pages from your cell phone may carry additional charges from your cell phone service provider. Please refer to your wireless provider to inquire about carrier and web access charges. 

How do I access mobile banking?

To access mobile banking, simply download the Montana Credit Union Mobile App through your device’s app store. You can also find a direct link to our app on our website’s homepage, www.montanacu.com Our mobile banking app should work on any mobile device that has an Internet browsing program, an active data plan, and a reasonable signal through which to transmit and receive data. 

Is mobile banking secure?

Because security is one of our greatest concerns, our Mobile App features a Multifactor Authentication process to securely identify your phone. The first time you log in, you will be asked one of your personal challenge questions to confirm your identity. You won’t be asked this again unless you attempt to visit mobile banking from a different cell phone. In addition, when you close your browser or the mobile banking app, your mobile banking session ends to protect your personal data.

What happens if my phone is lost or stolen?

If your phone is lost or stolen, your personal banking information is still secure. If someone tried to access your accounts from your phone, they would still need your User ID and password to log in. Please call the credit union to lock your account until you can locate your phone, or establish new, secure log in and password information. 

What is SMS Banking?

SMS Banking, or text banking, allows you to retrieve information and manage your accounts via text message from your mobile device. Simply text a command to Montana Credit Union’s shortcode 86020 to receive information on account balances, transaction history, or to transfer funds between your Montana Credit Union accounts. In our Mobile App, simply activate your phone in the SMS Banking field to get started!

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Mobile Deposit 

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What is mobile deposit?

Mobile deposit allows you to take pictures of the front and back (endorsed) of a check payable to you and make an instant deposit to your account. 

Who is eligible for mobile deposit?

All members who have maintained an eligible checking or savings account for 60 days, are currently enrolled in online banking, and who have accepted the Mobile Deposit Terms and Conditions are eligible to use mobile deposit. Use of mobile deposit is subject to final review by Montana Credit Union, which may include information obtained from a consumer reporting agency such as a credit bureau or ChexSystems. 

Is there a cost to use mobile deposit?

No, mobile deposit is just another one of the free services we offer at Montana Credit Union.

Are there limits to deposits I can make through mobile deposit?

There are monetary limits on the amount of deposits you can make. Members may deposit up to $2,500 per business day. However, multiple checks (up to 5) can be included in one deposit, and multiple deposits may be submitted as long as the accumulated dollar amount of the deposit(s) does not exceed the daily $2,500 limit.

How does mobile deposit work?

Simply sign the back of your check as you would a regular check deposit, and include the text "For Mobile Deposit Only" below your endorsement. Ensure you are in a well-lit area with indirect lighting. Place your check on a solid color, dark surface. Take a picture of the front of your check, then take a picture of the back of your check. Your check will be deposited into the account you designate (any of your Montana Credit Union checking, savings, or loan accounts). Check the History tab to ensure that your check has been accepted; just because your check is “received,” does not mean we will accept and deposit it. Please retain your original check(s) for at least 30 days after your mobile deposit is accepted. After that time, you should securely destroy the original check(s). 

What types of checks can be deposited?

Single-party, domestic checks made payable to the owner of the Montana Credit Union account may be deposited through mobile deposit. At this time, we are unable to accept the following checks: Any item drawn on your own account Any item that has already been accepted or rejected for deposit Any item that is stamped with a “non-negotiable” watermark Any item that contains evidence of alteration to the information on the check Any item that is incomplete Any item that is “stale-dated” or “post-dated” (meaning 6 months or older) Savings Bonds Any third party check (any item that is made payable to another party and then endorsed to you by such party)

When will my deposit be available?

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 in one of our branches. Generally, mobile deposits made within our member’s approved mobile deposit limits will be made available the same day. Longer delays may apply for items where the credit union has a reasonable doubt of collectability, for accounts deemed not in good standing, or in the event of an emergency causing a failure of communication equipment. All funds availability are subject to approval. Any communication we send about a hold on your funds supersedes any previous communication you may have received from us.

Any additional tips I should be aware of?

Always endorse your check, just as you would when depositing it at one of our branches Take photos of your checks in an area with good, but indirect, lighting, preferably on a solid color, dark surface. Make sure the bottom of the check is aligned with the base guideline on the camera when taking a picture of your check. Make sure the entire check appears in the camera guidelines and fills the space as much as possible. Keep your checks for 30 days after depositing through mobile deposit. Always remember to log out of our mobile app when you are finished with your banking. Our wish is to keep your accounts secure at all times! 

What if I have some additional questions?

Our Support Center is available to assist should you have questions about mobile banking, SMS text banking, or mobile deposit. You can reach us at (406) 727-2210 or 1-800-721-2242. 

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