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Online Banking

Enroll in Online Banking
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Online Banking

Seamless Functionality at your fingertips. 

Our Online Banking and the services that follow within our platform are designed to offer you speed and convenience to keep your finances in check. Our robust Online Banking platform was recently upgraded in 2023 to give our Members the most up-to-date functionality. 

Transfer funds to any account

alert

Never Miss a Bill -
Easily Schedule Payments

transaction-fees

Manage Your Accounts Anywhere

Online Banking

FREE Online Banking.

Access your account(s) online 24 hours a day for free by simply enrolling. You can manage your account anytime. Our secure Online Banking system lets you view balances and histories, transfer funds, and more. 

  • Bill Pay and eBills - Receive payment notifications
  • Transfer funds to external accounts
  • MSDFCU Cards- Card transactions & management like CURewards accessed directly from the dashboard
  • Person-to-Person Transfers (P2P)
  • Wellness Tool - New goals & assessment tools to help you plan smarter
  • Statements - Easy to read e-documents & statements, including credit card eStatements
  • Enhanced Security- Multi-Factor and Biometric Authentication
  • Set Up Alerts

 

How to Sign Into Online Banking

First-Time Login

First-time login, After Upgrade

  • Enter your current username and password
  • Agree to the disclosure
  • Verify your identity

    ---To prevent system lockout ---
    • Do NOT include dashes in your Social Security Number
    • DO use slashes to separate your Date Of Birth MM/DD/YYYY
  • Received a temporary passcode
  • Create a new password – You can reuse your existing password

Our Suite of Tools

Online Banking Dashboard 

Within our Online Banking Dashboard, you can see all your accounts under one system to help you keep track of all your finances. On the dashboard, view your FREE credit score, which is always current, link external accounts from other institutions besides your MSD accounts, and get the most straightforward overview. 

P2P Payments 

P2P (Person-to-Person Transfer) is a one-way, seamless, and efficient means to send money to a reliable peer. P2P allows you to securely control the funds you send with a security question that you can tailor to be peer specific. All you need to start is a valid phone number or email; your peer will receive a link to complete the process!

Financial Wellness 

Our Financial Wellness tool is more than your MSDFCU accounts - bring in all your accounts to get an accurate picture of your financial status. Our Financial Wellness has a FREE online financial health assessment, which gives you an overview of your savings goal and tracks your progress. 

Bill Pay & eBills

No need to write a check and hope that it arrives on time, now, pay bills online and schedule one-time or reoccurring payments through Bill Pay. An eBill is an electronic version of a paper bill that you can view and pay online. Instead of being sent to your mailbox, eBills are delivered to your Bill Pay in Online Banking. 

eStatements 

You’ll eliminate paper, protect yourself from identity theft, and receive your statements faster with our free eStatements service. When you enroll in Online Banking, you are automatically enrolled in eStatements. You will receive an email that your statement is available on the first of every month. With eStatements, you can view, save, and print up to 18 months of rolling history. Plus, you're helping to conserve our natural resources by choosing eStatements. 

Credit Sense

A comprehensive Credit Score program integrated into your Online Banking that helps you stay on top of your credit. You get your latest credit score and an understanding of key factors that impact the score. With this program, you always know where you stand with your credit. 

Help Protect Yourself with FREE Alerts.

Through Online Banking, you can set up free customized alerts. These important account notifications can help protect your account and let you proactively manage your finances in less time. Visit our Help Center to learn How-To set up alerts

Some of the alerts you can set:

  • Balance Alerts: Set balance thresholds both high and low
  • Transaction Type Alerts: You specify the transactions that trigger an alert (for example, debits, credits, ATM, check)
  • Statement Notification Alerts: Informs you when a new statement is available
  • Secure Message Alerts: Informs you if you have received a secure message
  • Additional alerts: such as bill payment, positive pay, ACH, wire, approval and others

Online Banking Resources

Forgot your password? 

If you forgot your password or are having trouble logging on, you may reset your password OR contact us. We use the highest levels of security with protective firewalls, encryption, and other safeguards to monitor every transaction.

FAQs-General

How Do I Know if I'm the Primary or Joint Account Owner?

To find this information, check your statement in online banking under Statements or on the printed copy of your statement. The name listed first is the primary account owner. Joint owners will now be able to create their own username and password. 

I am a Joint Owner and Currently Share My Username and Password. Will I Get to Register Myself Now?

If you have previously shared a username and password with a primary owner, you will now get to register with your own username and password. You will need the following to be able to do this online or on the mobile app: member number, SSN/TIN, birthdate, email, and zip code. 

How Do I Transfer to My Account at Another Institution?

You can add an account at another bank or credit union to your transfer list by going to Transfer & Pay >Transfers>More Actions> Add Account>External account.

Transfer & Pay and click "Add an external account." A pop-up will ask you for the account and routing number and will also require a nickname to label the account in your transfer list. After the account is added, it will need to be verified. 

Once the account is added and verified, you will be able to both withdraw from an MSDFCU account and deposit to the external account and deposit from the external account into your MSDFCU account. 

What's a FICO Credit Score?

FICO scores are a three-digit number based on information in your credit reports. A summary of your credit scores from the three major credit bureaus is a new feature in online and mobile banking. If you have an MSDFCU loan, your FICO scores will be updated constantly.

What are the cutoff times for Person 2 Person same day transactions?

Transfers made at or before 4:00PM EST will go out same day. After 4:00PM EST the date will move to the next day.

FAQs-Bill Pay

How Do I Enroll My eBills?
eBill Guide Here 


To ensure a fast and easy enrollment process, we recommend taking the following steps prior to enrolling your eBills:

  • Know the username and password you use to access each biller’s website. If you forgot your login information, visit the biller’s website to reset your password.
  • Be sure to know your account number and the payment address for each biller. This information can be obtained from a most recent statement or eBill or the biller’s website.
  • Some billers may require a one-time code or challenge question to complete the Setup. Visit the biller’s website to verify your email address and mobile number are current in their system and update your challenge question answer(s), if necessary.
  • As each biller has a different billing cycle, some eBills may not be available until your next statement cycle

Who Can I Pay With Bill Pay?

You can pay almost any company or individual in the U.S. You can pay a U.S.-based company with an address or person via a text or email, even if your biller isn't set up for online payments.

You can also:

  • Set up automatic payments for recurring bills — like rent or your cable bill.
  • Make one-time payments for bills that differ each month — like a phone or utility bill.

What is the time a Bill Payment must be setup to go out the same day?

Any payment setup at or before 4:00PM EST will go out the same day, after 4:00PM EST the date will move to the next day.

What days are bill payments processed?

Processing is Monday through Friday (non-Fed Holidays). If a member has a recurring series that happens to fall on a Saturday, we will schedule the payment to be sent on the Friday before. If the recurring series happens to fall on a Sunday, we will schedule the payment to be sent on the following Monday. Our platform doesn’t allow for Bill Payments to be scheduled on the weekend or holidays, however depending on the recurrence (weekly, bi-weekly, monthly, etc.) sometimes the recurrences will fall on these days so our system will make the adjustments on behalf of the customer.

FAQs-Statements

How can I review statements for previous months?

Go to the top menu and select 'Documents'. The document list will then be displayed. We maintain up to 25 months  of statement history for you.

Will I receive a notification when my statement and/or notice is available?

Yes. You will have the option to receive an email to notify you when your statement and notice(s) are ready to view online. Statements are usually available on the first of the month, and Notices are available throughout the month.

Will my electronic statement look the same as my regular printed statement?

Your electronic statement will have the information and look of a printed statement.

In regards to notification preferences, can I have multiple accounts tied to the same email address?

Yes, as long as each account is enrolled in eDocuments. For example, if your child has an account with MSDFCU and you, as the custodian, want to receive an email notification once the statement is available. You can use the same email address for both accounts.

How do I update my contact information?

To update your information while logged into online banking, go to the top menu, navigate to "Tools" next select "Settings" and then click on "Contact".

FAQ-Cards Management

Which cards are eligible to use the lock/unlock feature?

All of our debit and credit cards are eligible for this feature. 

What happens when I lock my card?

Within minutes, you'll see the card appear locked. Locking your card will prevent new transactions while still allowing recurring transactions, pre-authorized payments, and refunds to post to your account.

Should I lock my card if I see an unauthorized transaction?

No, please dispute the transaction in Online Banking or contact us, and then we will block the card and send you a new card. We recommend you lock your card for temporary misplacement. If you suspect fraudulent charges or you're certain you've lost your card, please contact us.

Will a locked card work in my mobile wallet?

No, the card will show up in the mobile wallet, but authorizations will be declined.

Will I receive card alerts?

Once you register your card and select your notification preference, all card transaction alerts will be sent to you in real-time.