Online & Mobile Services

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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 can I view access statements from prior to July 2001?

Contact us at 800.664.3828 for a paper version (fees may apply).

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.

How much history is available for e-statements?

E-statement users can view past statements dating as far back as July 2001.

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 are e-alerts?

When you set up e-alerts in online banking, Michigan First will send you an email, text message, or Twitter alert notification regarding the activity on your account. By setting up e-alerts you can help you prevent late, overdraft, and over-the-credit-limit fees. You can set up e-alerts to notify you if:

  • Your account balance drops below a certain balance
  • Your account reaches a certain balance
  • A direct deposit has posted to your account
  • A specific check has cleared
  • To set up your e-alerts, login to online banking, go to the “Alerts” tab and select “Add Alerts.”

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”?

The following accounts at Michigan First are eligible for transfers:

  • Regular Savings Account
  • SavingsPlus Account
  • Premier Checking Account

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.

Tips and Tricks

  • On the deposit page, the help bar contains a help section called “Image upload” that details image requirements for both photos and scanned images. Make sure your images follow these requirements; otherwise your deposit may not be successful.
  • As a general guideline, images should be scanned between 200 – 300 DPI (dictates what the resolution of the image will become).
  • For example, a 6-inch long check @ 300 DPI = 1800 pixels width.
  • Scanned images: it’s best to position the check in the top left corner of the scanner bed. Most scanners have an arrow on the bed pointing to this corner.
  • Scanning of the front and back of the check should be in the same location on the scanner (auto-cropping of back check relies the front and back being in the same position and orientation).
  • Scanned images should auto rotate to horizontal position on the main deposit page after you have browsed your computer for an image. If auto-rotate fails, vertically scanned images may cause difficulty with submitting the deposit. If so, you should rotate the images to be horizontal before uploading. Windows photo viewer or any photo viewer that comes with the operating system should have a rotate option.
  • Some users opt to take the photos on their mobile phone and email to themselves
    • If taken on an iPhone®, send as large or actual size to obtain correct resolution (small and medium size choices in an iPhone are too low in resolution).
    • Resolution Recommendation – around or above 1600 x 1200. Images much larger in resolution than that can cause the upload to fail or time out.
    • Do not exceed 2 MB per image file size.
  • Mobile – When taking a picture on your cell phone, place the camera directly above the check and ensure there is background spacing around all edges of the check
    • Background must be a consistent color without any patterns (marble tabletops or wood grain tabletops have been known to cause problems).
    • If your table surface is not a solid contrasting color, place behind the check a sheet of paper or something that has a solid color and contrasts with the stock check color.
    • Make sure that lighting is optimal without any shadowing.

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?

You must have an online banking login to use Michigan First Mobile.

How do I access Michigan First Mobile?

You can the app for your iPhone, Blackberry, Droid or other devices. You can also bank by text.

How do I change my password?

Password changes are available in online banking only. When a password change occurs in online banking, it will apply to Michigan First Mobile within a few minutes of change.

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 Michigan First Mobile available to everyone?

Not all members have access to Michigan First Mobile, including those with accounts newer than 90 days. Please contact Michigan First with any questions you may have about eligibility.

Is there any cost for Michigan First Mobile?

There is no charge to use Michigan First Mobile. However, standard data rates apply for members using the mobile site or the downloadable applications.

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.

What services does Michigan First Mobile include?

Michigan First Mobile includes the following services:

  • Account Summary
  • Account Transaction
  • Historical Transfers
  • Transfer Between Shares
  • View due bills
  • Pay Bills
  • View Pending Bill Payments
  • Cancel Pending Bill Payments
  • View Bill Payment Histories
  • Deposit checks
  • Make a loan or credit card payment
  • Locate the nearest branch or ATM

Who is eligible for Michigan First Mobile?

To access Michigan First Mobile, you must be registered for online banking, which shares the same login and password information.

Mobile Deposit

Can I deposit a check via mobile banking?

Yes! Select “Make a 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. First, select which account to deposit into and enter the amount you’re depositing. Then take a photo of the front and back of the check with your smartphone camera (don’t forget to make sure you signed the back of the check). Hit “Done” after you are satisfied with the photos and your deposit begins processing.

Please note: money orders cannot be deposited using mobile deposit at this time. To deposit a 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?

iPhone version 4 and higher, iPad 3 and higher and all Android devices can be used for Mobile deposit. If you do not see “Make a Deposit” on your Michigan First Credit Union mobile app menu, update the app on your device and it will appear.

Will the check photos be saved to my phone?

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

Will the checks be deposited automatically?

Michigan First will review all checks deposited via mobile banking 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 under “History.” 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 access my accounts from more than one computer?

Yes. You can use any computer that has internet access. That means you can access your account and perform transactions at home, at work or from a laptop when you’re out of town.

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 save and import my transactions into Quicken?

On the main account page select the download to Quicken link located under the options menu. This options menu is located under the “Michigan First Account Summary” section, next to the “Holds” status label.

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 accidentally clicked the prompt to “remember my password” on my computer. How do I undo this action?

This depends on your internet browser. For instance, if your Internet browser is Internet Explorer, you would click on Tools, Internet Options, Contents, Auto complete and Clear Password. This would prevent the system from automatically inputting your password every time you log-on to online banking.

I have trouble signing in to online banking. Can my login information be emailed to me?

Due to security reasons, we are unable to email you your login information. You may use the “forgot password” or “forgot username” options of online banking to retrieve your login information if you are having trouble logging in.

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 browser should I be using?

Online banking requires Microsoft Internet Explorer 9.0 or higher, Apple Safari 2.0.1 (3.0 for PC users) or higher, Firefox 1.0 or higher, or any other web browser compatible with these versions.

What do I do if I forget my security question to access online banking?

Please contact us.

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 is the fee to look up statements?

You can access past statements free of charge by signing on to online banking and viewing your e-statements. If you need a statement not in online banking, you can call us or stop in one of our branches (a fee will apply). View a complete list of fees.

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.

Why am I being asked the security questions when signing into my online banking account?

Our security system records and tracks online access to your account to build a pattern of how you log in and use our online systems. If for some reason your account is used in a way that falls outside of this pattern, the system will ask a few security questions to verify that it is really you attempting to access your account.

Why does my session time out in online banking?

If your online session is inactive for 10 minutes, you’ll be logged off for security reasons.

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.

Why can’t I access bill pay?

In order to access bill pay, your pop-up blockers need to be turned off or the website must be added to the allowed list. Also, ensure you are using a supported browser. The following browsers are supported by bill pay for use:

  • Internet Explorer version 11
  • Microsoft Edge - all versions
  • Firefox version 31 and above
  • Safari version 9 and above for Mac
  • Google Chrome version 42 and above

Enabling pop-ups varies based on the browser, operating system, and versions that you are using. In order to add the website to your allowed list you must add to the list of web sites that you allow pop-ups to be displayed.


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