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Audio Teller
E-Statements and Alerts

External Transfers
EZ Scan & Deposit

Mobile Banking
Mobile Deposit

Online Banking
Online Bill Pay

Audio Teller

How do I check my account balance?

Once you call 800.248.9101, you’ll be given multiple options. Follow the instructions to get to the check your balance option.

What is the Audio Teller?

Audio Teller is a tool you can use to access your account 24/7 over the phone. It is an automated teller that will give you various options like checking your balance or transferring funds.

What is the number for Audio Teller?


E-Statements and Alerts

How current is the e-statement information?

Your e-statement is current as of the last posting of the last business day for a given month.

Is my e-statement information secure?

Our e-statement program is secured by 128 bit, encrypted SSL cipher stream and uses the latest Internet security technology to help ensure that your account statement information is secure.

Is there a charge for e-statements?

No. e-statements are free.

What if I change my e-mail address?

To change the e-mail address your e-statements notification is sent to, log into your online banking account and click on "Profile" section to change your email address on file.

When will I receive my e-statement?

Your e-statement is available for viewing sooner than the traditional mailed statement. You will receive an email message notifying you that your e-statement is ready on the first day of each month for checking accounts, quarterly for certain other accounts. This email notification will be delivered to the email address you provided during online banking registration process.

Will I be able to print my e-statement?

Yes. Your e-statement is provided in a PDF format and can easily be printed. If you do not currently have PDF software installed on your computer, you can download Adobe Reader here free of charge.

Will I receive an e-statement for all of my accounts?

If you have multiple accounts at Michigan First, you can request to receive an e-statement for each of them.

Will I still receive a monthly statement delivered to my physical mailing address?

No. Paper statement delivery will stop once you register to receive only e-statements.

External Transfers

Are there any balance requirements?

There are no balance requirements for transferring funds.

Can I set up a transfer for a future date?

Yes, you may schedule a transfer for a future date.

Can I transfer funds from another institution to Michigan First Credit Union?

Yes. If you have been approved for incoming transfers, you can use our online "A2A Funds Transfer Service" available from within Online Banking under the Transfers tab. Inbound transfers requires verification that you are a signer on both accounts. You will be required to provide an account statement or other such documentation for the account held at the outside institution. You may come to any of our office locations to initiate the transfer or you may process a wire transfer with your current financial institution.
To wire funds to your Michigan First account, call your financial institution from which the funds will be transferred and provide them with the following information:

Michigan First Credit Union
27000 Evergreen Rd.
Lathrup Village, MI 48076
Michigan First Routing and transit number (ABA number): 272078365
Your account number at Michigan First

Sign into your Online Banking account to check your funds availability, or call our 24-hour automated phone line at 800.248.9101

Can I use this service to transfer money between accounts at Michigan First Credit Union?

No, please utilize Michigan First’s “Transfer” tab in Online Banking to complete such transactions.

Can I use this service to transfer money internationally?


Can I use “A2A Funds Transfer Service” to transfer funds to someone else?

Funds transfers can only be made between your Michigan First account and accounts at other financial institutions that you are authorized to access by the owner. You can send money to another member of Michigan First by utilizing the “Send money to another member” option in Online Banking, located under the “Transfers” tab.

Do I have to sign up for this service?

No. This service is available to all Michigan First members. The link to the funds transfer service is located in online banking under the "Transfers" tab.

How can I check on the status of my recent transfers?

You will be able to see all recent transfers from the Completed Transfers screen.

How can I delete an account after the initial set up?

You can delete any account from the “Manage Accounts” screen.

How can I move my funds between my accounts held at other financial institutions using this service?

This service can facilitate movement of funds only between your accounts held at Michigan First Credit Union and your accounts held at other financial institutions. It does not support direct movement of funds between your accounts held at other financial institutions. You may first move money from an external account to one of your Michigan First Credit Union accounts, and then send money from that account in to another external account.

How can I send money to my account via Western Union or Money Gram?

We are pleased to provide you with a link to Western Union and a link to Money Gram. The Western Union and Money Gram websites should provide you with their requirements and information for sending money to your account. They will most likely ask for the Michigan First Credit Union Routing and Transit number which is 272078365 and our address, 27000 Evergreen Rd.Lathrup Village, MI48076.

How do I set up an account with the service?

All eligible Michigan First accounts have been already conveniently pre-registered to use the "A2A Funds Transfer Service."

However, you would need to set up a new account for transfer from or into another bank or credit union. Click on “Setup New Account” link to begin account set up process. Search for the institution by name or routing number (9-digit number printed on check) and select the institution. Enter the account number, select account type, and enter your name (for joint accounts enter the primary account holder’s name) as it appears on your account for the account you are setting up with the service.

"A2A Funds Transfer Service" should not be used to transfer funds between shares or accounts with Michigan First. Transferring funds between your Michigan First shares can be done in Online Banking, by clicking on the “Transfers” tab.

How do I transfer funds between my activated accounts?

Just click on "Transfer to Another Bank"link. You'll have access to all of your accounts that have been activated. Simply select the accounts you want to use in the 'Transfer From' and 'Transfer To' lists, enter a transfer amount, and follow the instructions.

Once the transfer has been accepted you will be able to see the progress of the transfer from the 'Pending Transfers' screen.

How does the service work?

The service transfers money from one of your accounts at Michigan First to another one of your accounts at a US financial institution. All transfers are processed via the Federal Reserve’s Automated Clearing House (ACH) network. This network is used by financial institutions to process everyday checks and other electronic transactions. The requests are submitted to the ACH network to transfer funds between the accounts you specify.

To ensure that person initiating the transfer is the owner of the account, the following process is applied:

  • A small trial deposit is made and then a small trial withdrawal is made from each account. The withdrawal is a few pennies and never larger than the deposit. The transactions are usually posted in 1-2 business days.
  • After 1-2 days, you should login into your Online Banking account at your financial institution (other than Michigan First) to confirm that the deposit and withdrawal has been made.
  • When confirmed, you should return to the “Manage Accounts” page and “Activate” the transfer. At that point, you will be asked to enter the amount of each transaction and, if the values match, the account will be activated.

How does the system verify the identity of the person initiating the transfer?

To verify the identity of the person initiating the transfer, the access to “A2A Funds Transfer Service" is available from secure Online Banking application that uses single sign on technology.

How long does it take to complete a funds transfer request?

It usually takes 3 to 5 business days. The specifics will depend in part upon the time you initiated the transfer, your previous transfer history with the service, amount of transfer, and perhaps in part upon how quickly your institution updates your account after receiving the money. Full details regarding your funds transfer requests are viewable on the Completed Transfer Status screen.

Standard: 3 Business day service

Once transfer has been accepted, a withdrawal transaction is initiated and will be sent to the Fed Network.

  • Day 1: Withdrawal transaction is posted on the source account.
  • Day 2: Availability of funds is verified.
  • Day 3: Funds are sent to the destination account and will be made available at opening of next business day.

Please note that additional time may be required to verify the availability of funds.

How often will I have to go through the account setup process for an account?

Account set up and activation is a one-time process for each account you set up with the service.

How will I know when a transfer is complete?

You can check status of your request on Pending or Completed Transfers page. Please click on the details icon to check the status of a transfer. You could also confirm the completion of the transaction at your financial institution online.

What accounts are eligible for “A2A Funds Transfer Service”?

Regular Savings Accounts, SavingsPlus Accounts, and Premier Checking Accounts are eligible for transfers.

Also, eligible for transfers are checking and savings accounts that are held by members at other credit unions or banks (that accept ACH) nationwide.

What are the limits and fees for “A2A Funds Transfer Service”?

  • Minimum amount per transfer - $20.00
  • Maximum amount per transfer - $1,000.00*
  • Maximum transfers per day - 3
  • Maximum amount per day/ week - $1,000.00*
  • Transfer out of Michigan First - $2.00

*Transfer limits displayed above are the default limits. You can request to increase your transfer limits up to $10,000 by contacting our Member Service Center at 800-664-3828, Monday-Friday 8:30 AM to 7:30 PM.

Please note, that your other financial institutions that you set up for funds transfer may charge any or all fees for the transfer of funds. If in doubt, please contact those financial institutions to determine whether restrictions and/or conditions, including fees, pertain to transactions made into or out of any of your accounts.

What are the security measures in the system?

For security reasons, you will be logged out of service if there is no activity for 5 minutes.

What do the different status designations in the application mean?

Pending: We have received your request and the system is preparing to initiate the debit (withdrawal) transaction.

In Progress: The transfer is in progress. You can see more details on the status of the transfer by clicking on the details icon.

The funds have been sent to the destination account. At this time the transaction will be reflected in both (source and destination) accounts. Please check your online banking or contact your financial institution to verify the availability of these funds.

Failed: We were unable to complete the transfer. More details on why the transfer failed can be obtained from the Completed Transfers page by clicking on the details icon. Typical causes of failed or returned fund transfer are:

  • Lack of sufficient funds in the source account.
  • Source or destination account closed or frozen.
  • Changes leading to Incorrect account number or bank ABA routing number.

Cancelled: We have received your request to cancel the transfer. At this time no further actions will be taken on the transfer request.

What do transfers cost?

All transfers into your Michigan First accounts are free. There is a fee of $2.00 if you transfer funds from your Michigan First accounts.

What is A2A Funds Transfer Service?

It’s a service that lets you conveniently transfer funds into and out of your accounts at Michigan First as well as to and from your accounts at other banks and credit unions.

What is required to use A2A Funds Transfer Service?

You must have an e-mail address on record with Michigan First in order to use the service. You may update your e-mail address under the "Profile" tab in Online Banking.

What is the ABA number (or “routing number”)?

It's a 9-digit number assigned to the bank by the American Bankers Association (ABA) and used for routing transfers and other transactions. It's also often called the routing number. Michigan First's routing number is 272078365.

What kinds of transfers can be made?

You can set up one-time and recurring transfers to other Financial Institutions (weekly, biweekly, and monthly).

Please note that all recurring transfers, regardless of their frequency, will take 3-5 business days to complete.

What should I do if I wish to cancel a funds transfer request?

To cancel a transfer click on the "Cancel" link in the Pending Transfers screen. Once you confirm a transfer, there is very limited time in which you may be able cancel it. The transfers are processed routinely throughout the day. You can cancel your request before it is 'In progress' status. Once your funds transfer request has been transmitted to the network, you can not cancel the transaction. Your best option is to request a second transfer between the same two accounts sending the funds back to their point of origin (in effect reversing your first transfer).

When do you execute my funds transfer request?

Your funds transfer request enters into the ACH system on the same business day, provided you've made your transfer request before the cutoff time (9:00 p.m. EST). Otherwise it will be sent the next day.

The transfers are posted to your account the next business day. However, depending upon the financial institution, it may take an additional business day for the transaction to be reflected in your account balance. Once we receive the funds from source account we repeat the process to send the money to the destination account and overall the process may take 3 to 5 business days to complete delivery of funds.

Where can I find the ABA number for my account?

It's always in the lower left corner of your checks.

Where can I get further details about transactions that do not go through?

If a transaction is unsuccessful, the status in the Completed Transfers screen is displayed as "Failed." Click on the details icon to see full details about the transfer.

Why don’t all of the accounts I’ve submitted appear on my A2A Transfer page?

Only accounts that are active will be displayed on A2A Transfer page. If you have not already activated the account, please click on "Manage Accounts" screen to see the status of all your accounts.

Why is trial deposit/withdrawal verification on my account required for account set up?

The trial deposit/withdrawal verification process ensures that the rightful owner is setting up the account with the service. It also ensures that the accounts given are valid.

Why would an attempted transfer be unsuccessful?

A fund transfer request will be rejected, if it cannot successfully be posted to your account. The most common reasons for failed or returned transfers are:

  • Exceeding the dollar limit for an individual transaction, total transactions per day, week or month, or outstanding transfers (transfers that you've initiated but which haven't been finalized
  • Lack of sufficient funds in the source account)
  • Lock placed by a financial institution on one of the accounts, (account number or routing number may have changed since registration, account may be frozen by the institution, account may have reached allowed limits of number of such transactions, etc.)

Full details will be available on the History screen.

EZ Scan & Deposit

Are there requirements to upload a scanned check?

Yes. Your check must be in grayscale, be saved as a .jpeg image, have a resolution of 200 dpi or higher and have a file size smaller than 1 MB.

Can loan payments be made through EZ Scan & Deposit?

Yes! Simply deposit the check to your loan account and the credit will be applied to that account.

What are the deposit limits for EZ Scan & Deposit?

Per item limit - $2,500
Daily deposit limit - $2,500
Monthly deposit limit - $50,000

What checks can’t be deposited through EZ Scan & Deposit?

There are some types of check that are prohibited from being deposited:

  • Checks that are payable to any person or entity other than you or include a third-party endorsement
  • Checks that are drawn, or otherwise issued, by you or any affiliate of yours on any account of yours or of such affiliate
  • Checks that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the Check is drawn, including checks received via Internet solicitations
  • Checks that have not been previously endorsed by a financial institution (a bank, savings and loan, or a credit union) and are either “substitute checks” or Image Replacement Documents (“IRD”) that purport to be substitute checks, without credit union’s prior written consent
  • Checks that are drawn on financial institutions that are located outside of the United States or Territories of the United States
  • Checks that are Remotely Created Checks, as that term is defined in Reg CC
  • Checks which are not acceptable to credit union for remote deposit into a deposit account, including:
    • Savings Bonds
    • Mutilated Checks

What holds will the system place on my account when using EZ Scan & Deposit?

Generally checks will be held for two business days and will be made available on the second business day following the day the deposit is considered received. Checks drawn on Michigan First or US Treasury checks will be made available on the next business day following the day the deposit is considered received. Checks may be subject to a five day exception hold for the first 30 days of a new checking account.

Checks may be subject to a five day exception hold for the first 30 days of a new checking account. In some circumstances, additional holds may be applied to the check you deposited. We will send a notification to you via mail, the day that your deposit has been processed, regarding the extended hold applied to your check.

What is EZ Scan & Deposit

EZ Scan & Deposit is a service that allows Michigan First members to make deposits from their personal computer at their home or office with the use of a standard scanner.

What is the cut off time for depositing checks through EZ Scan & Deposit?

If you deposit a check before 4:30 p.m. EST, that check will be sent for processing the same business day. If your deposit is made after 4:30 p.m. EST, the check will be processed the next business day.

What type of scanner do I need to use EZ Scan & Deposit?

Most scanners available to consumers are supported by EZ Scan & Deposit. As long as your scanner is TWAIN compliant, you will be able to use your scanner.

Why did my scan get rejected?

There are a number of factors that could cause your check to be rejected during the EZ Scan & Deposit process. The most common reasons include:

  • Check amount could not be read
  • Blank or suspect check
  • Check number could not be read
  • Check date could not be read
  • Front signature was not detected or is missing
  • Account number, routing number or other check data could not be read
  • Invalid routing number information

We recommend that you write legibly on the check and make sure that you handwrite in the spaces allocated.

Will I be able to view the image of the scanned check?

Yes! After you deposit a check using EZ Scan & Deposit, you will be able to see the receipt number and a copy of the check you submitted for deposit.

Will I have to download anything to use EZ Scan & Deposit?

If you would like to use the built-in scanning software within EZ Scan & Deposit, you will need to download Active X – an application that will enable EZ Scan&Deposit to communicate with your scanner.

Mobile Banking

Can I use Michigan First Mobile if I don’t have access to my account through online banking?

Yes! Online banking is not required to use our app. Simply download Michigan First Mobile from the Google Play or Apple App Store and register your account.

How do I access Michigan First Mobile?

Michigan First Mobile is available for Apple and Android phones only. You can download the app from the Google Play and Apple App Store sites on your phone.

How do I change my password?

Password changes can be made right from the Michigan First Mobile app login screen. Simply select "forgot password" and a verification link will be sent to you to create a new password.

How does Michigan First Mobile handle security?

Michigan First Mobile is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data is encrypted using the Secure Socket Layer (SSL) layer.

I am locked out of Online Banking – am I locked out of Michigan First Mobile as well?

Michigan First Mobile and Michigan First Online Banking share login information. Apart from the login information, the locking of the accounts in Michigan First Mobile and Online Banking are independent. This means you may lock yourself out of online banking but not Michigan First Mobile and vice versa.

Is there any cost for Michigan First Mobile?

Nope! It's 100% free to use our app. However, standard data rates apply with your mobile device carrier.

What is mobile banking?

Michigan First Mobile Banking allows you to conduct your banking via your smart phone or tablet. You can check balances, view recent transactions, transfer funds, pay bills, deposit checks and more.

Who is eligible for Michigan First Mobile?

To access Michigan First Mobile, you must have an eligible account with us, be at least 16 years old and own a mobile device that can run the app (runs iOS version 9.0, Android 4.1 or higher).

Mobile Deposit

Can I deposit a check via mobile banking?

Yes! Select “Deposit” from the mobile app menu and follow the step-by-step directions to deposit any check under $2,500 into any of your Michigan First checking or savings accounts. You can also apply a check straight to a payment of a Michigan First loan.

We cannot accept foreign checks or money orders through our mobile app. Foreign checks and money orders are not payable in U.S. dollars and/or are not drawn off on a bank located in the United States. To deposit a foreign check or money order, please visit one of our branches.

How many checks can I deposit at a time?

You can deposit as many checks as you’d like as long as the total amount stays within the $2,500 daily limit.

Which devices support Mobile Deposit?

Michigan First Mobile requires Apple iOS operating system version 9.0 or higher or Android 4.1 or higher to function properly. Please make sure your smart phone is running the latest operating system available.

Will the check photos be saved to my phone?

No, the photos of the checks you take will be processed within the Michigan First Mobile app and will not be saved to an album on your phone.

Will the checks be deposited automatically?

We will review all checks deposited via the Michigan First Mobile app before the funds are available. Holds may last anywhere from 1-5 business days. You can view which checks have been reviewed on the app. We advise that you do not destroy the check until it is accepted.

Online Banking

Are there any service fees for using online banking or bill pay?

Nada, none, zero. Both services are completely free.

Can I pay my loans/credit card automatically online?

Yes, you can make loan payments and credit card payments online through online banking.

How can I view activity on my credit card?

Credit card information is available in online banking. Just click on Account Information and select Credit Card Inquiry from the drop down. Your current credit card transactions should be displayed; if not the system will prompt you to add your credit card information.

How do I add or change my email address using online banking?

Within online banking, choose Account Information and select the option to add or change your E-mail Address. Follow the prompts to change the e-mail address on your online banking account.

How do I change my password in online banking?

If you have forgotten your password, you can change your password during the sign-in process. Once signed in to online banking, you may change your password in "My Profile" section.

How do I register for online banking access?

Use the Registration link here. Follow an easy, step-by-step process. The process takes about five minutes.

How do I transfer money in online banking?

It's easy to make payments or transfer funds in online banking. Simply select "Transfers" from the main menu, and choose an appropriate transfer type you want to perform.

I’m locked out of online banking. How do I get back in?

If you have been locked out of Online Banking, please contact us.

Is Online Banking safe? How do I protect myself and my personal information online?

Yes. When you use online banking, you’re entering a secure web server. At the point of registration, we verify your information to ensure that you’re authorized to have access to your accounts. Once online, your transaction and personal information are secured by sophisticated encryption software that converts the information into an encrypted cipher stream. Please exercise caution when you’re accessing online banking from a public computer and make sure you log out at the end of your session and close the browser.

What is online banking?

Online banking lets you bank right from your PC at home, in the office, or from any computer with internet access. You can instantly access all your accounts and perform transactions 24 hours a day, 7 days a week, without leaving your home, fighting traffic or waiting in line.

What transactions are available through online banking?

You can:

  • Obtain account balances on all your accounts
  • View electronic account statements
  • View transaction history
  • Instantly transfer funds between accounts
  • Make Michigan First loan and credit card payments
  • Print free copies of cleared checks
  • Verify and search for transactions
  • Stop payments on checks
  • Request a check withdrawal
  • Order checks online
  • Balance your checkbook online
  • Review your credit score history
  • Set up budgets for your transactions and view reports
  • Obtain on-line support from our Member Service Center
  • Export or import account information from or into MS Money or Quicken

Who can I pay using bill pay service?

You can pay virtually anyone in the United States - national bank cards, mortgage companies, auto loans, department stores and more.

Online Bill Pay

Can I receive my bills electronically?

Yes, you can. Bill pay will show you which of your payees participates in e-billing. If a payee offers e-billing, you can enter your user information for the payee’s online site (or click a link to set up an account with the payee), and your future bills from that payee will be delivered to you electronically within bill pay.

Can I schedule automatic recurring payments?

Yes. You can schedule one-time payments, multiple payments, or payments that recur automatically on a monthly, weekly, bi-weekly, semi-monthly, quarterly, semi-annual or annual schedule.

How much does it cost?

There is no charge to use Bill Pay. There is a nominal fee for rush delivery payments.

What are rush delivery bill payments?

Rush delivery bill payments allow you to conduct a next business day, 2nd business day, or 3rd business day payment to hundreds of merchants for a nominal fee as long as it is scheduled by 4:00 p.m. EST.

What is online bill pay?

Online bill pay allows you to pay all your bills over the internet without ever having to write a check or lick a stamp. The money will be taken from your Michigan First checking account and sent to your payee.

What is the payment guarantee in bill pay?

If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. (Finance charges are calculated based on your payment amount rather than your entire balance.) If the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to have your account noted appropriately to ensure that the situation does not negatively impact your credit rating.

The Payment Guarantee applies to late fees and/or finance charges associated with the late posting of a payment, provided that the following conditions are met:

1. The payment was scheduled to be delivered on or before the due date of your bill, excluding any grace periods.
2. The payment was not made to an excluded or prohibited payee
3. Unprocessed payments due to debit failures
4. Payments to settle securities transactions
5. Payments to pay off special or delayed financing for purchases
6. Payments to credit counseling agencies that pay creditors on your behalf

When are online bill payments actually processed?

Bill payments are debited and processed on the same day as their send-on date. The send-on date is calculated by the system depending on the payment delivery date you choose. A send-on date only occurs on a business day. Based upon the payment delivery method (electronic or check) and time of payment submission, the send-on date of the payment may vary. The delivery and send-on date will be displayed to you on all payment scheduling and confirmation screens. Please be sure to schedule all payments so the delivery date is on or before the due date of the payment.

When can I schedule the first payment to a new payee that I just set-up in bill pay?

You may set-up a payee and schedule the first payment immediately.

Who can’t I pay through bill pay?

Payments can be sent to any US address, excluding P.O. boxes.


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