Watch the videos below for information on getting started with the CFCU Mobile app.
CFCU Digital Banking
Securely manage your accounts– make transfers and payments, access your free credit score and report, link accounts at other financial institutions, and more – all from your computer, phone, or tablet.
It’s Easy to Get Started
How to Register
- Visit Online Banking or download the latest version of the CFCU Mobile app.
- Click or tap “Register a New Account”
- Accept the required disclosures.
- Verify your personal information. This may include:
- Your member number, date of birth, full social security number, and email address.
- Select a username and confirm your identity by receiving a temporary passcode via SMS text, email, or phone call.
- Create your new password.
How to Use the CFCU Mobile App
Using the Mobile App
Adding an External Account
Making a Loan Payment
Making a Mobile Deposit
Frequently Asked Questions
The Basics
How do I find my statements or enroll in eStatements?
Statements are now available through both the desktop online banking site and the mobile app. To access statements from online banking desktop platform, click “Accounts” on the menu at the top of the page, then click “eStatements & Documents”. On the mobile app, tap “More” in the bottom right of the app, then tap “Accounts”, then “eStatements & Documents”. The first time you access eStatements, you must complete a quick registration.
How do I update my address, phone number and email?
Within the online banking desktop platform, click on your name in the upper right-hand corner. Click “Settings”, then click “Contact” to edit your information. From the mobile app, tap “More” in the bottom right-hand corner, then tap “Contact” to edit your information.
How can I change the order of my accounts?
To reorder your accounts in the online banking platform, click your name in the top-right corner. Click “Settings”, then click “Account”. The “Account” screen allows you to reorder your accounts, hide accounts or add account nicknames to match your preferences. You cannot reorder accounts in the mobile app.
How can I change the colors for my accounts?
To change color categorization in the online banking platform, click your name in the top-right corner. Click “Settings”, then click “Account”. The “Account” screen allows you to edit colors and other account preferences. From the mobile app, tap tap “More” at the bottom-right corner, then tap “Settings” then tap “Accounts” and the account you would like to edit. You may also hide accounts from this screen. To reorder your accounts, please use the online banking desktop platform.
How can I hide accounts or rename my accounts in digital banking?
To change the order in which your new accounts are displayed the new online banking platform, click your name in the top-right corner. Click “Settings”, then click “Account”. The “Account” screen allows you to hide accounts, edit account nicknames, or reorder accounts to match your preferences. From the mobile app, tap “More” at the bottom-right corner, then tap “Settings” then tap “Accounts” and the account you would like to hide. You may hide accounts from this screen.
How do I link an account from another financial institution to make a transfer or loan payment?
To add an account from the online banking desktop platform, select “Transfer & Pay” from the top menu, then click “Make a Transfer”. Be certain you are on the “Standard” tab. To add an account from another financial institution so that you can move money back and forth or make a loan payment, select “Add an account to make transfer”. This link is located below the “From Account” and “To Account” fields. In the new side window that appears, select “Add an account instantly,” select your financial institution and enter your login credentials for the account you wish to link. From the mobile app, tap “Transfers” from the bottom menu, then tap “Add Account”. From this screen, tap “Add account instantly,” select your financial institution, and enter your login credentials for the account you wish to link. In some instances, instant account verification may not be available. If this occurs, select “Add an account manually” and follow the on-screen instructions.
Can I get a quick view of my accounts without logging in on the mobile app?
Yes. This feature is called “Snapshot”. It allows a quick view of your accounts set to the highest order through the mobile app. You cannot perform any actions without signing in, for security. To turn this feature on or off, tap “More” in the lower-right corner of the screen, tap “Settings” then tap “Snapshot”.
Bill Pay and Zelle®
How do I find Bill Pay?
To access Bill Pay from the online banking platform, click “Transfer & Pay” from the top menu, then “Bill Pay”. From the mobile app, tap “More” at the bottom-right corner, then tap “Transfer & Pay”, tap “Bill Pay”. The first time you use Bill Pay or Zelle, you will have to accept our agreement. Please note that you must have an open CFCU checking account and be a digital banking user for at least 60 days to access Bill Pay.
How do I find Zelle?
To access Zelle from the online banking platform, click “Transfer & Pay” from the top menu, then “Zelle”. On the next page, select “Send money to friends and family”. From the mobile app, tap “More” at the bottom-right corner, then tap “Transfer & Pay”, tap Zelle. The first time you use Bill Pay or Zelle, you will have to accept our agreement. Please note that you must have an open CFCU checking account and be a digital banking user for at least 60 days to access Zelle.
Is there a phone number I can call for Bill Pay and/or Zelle help?
Yes. Call 844.596.1028. Bill Pay support is available by telephone 6 a.m. to midnight, 7 days a week.
Check Services
How can I reorder checks?
From Online Banking, click “Accounts” on the menu at the top of the page, then click “Check Services”. On the Check Services screen, click “Order Checks”, select your account and then follow the on screen prompts to complete the order.
In the CFCU Mobile app, tap “More” in the bottom right of the app, tap “Accounts”, then ” Check Services”. On the Draft Services screen, tap “Order Checks”, select your account and then follow the on screen prompts to complete the order.
How can I place a Stop Payment on a check?
To to place a stop payment on a single check or series of checks through Online Banking, click “Accounts” on the menu at the top of the page, then click “Check Services”. On the Check Services screen, click “Cancel Checks”, select “New Stop Pay Request” and follow the on screen prompts to complete your request.
To place a stop payment in the CFCU Mobile app, tap “More” in the bottom right of the app, tap “Accounts”, then ” Check Services”. On the Draft Services screen, tap “Stop a Payment”, and then follow the on screen prompts to complete your request. There is a $15 stop payment fee per check or series of checks, if entered as a series.
New Features
How can I quickly open an account through digital banking?
In the app, tap “More” in the lower-right corner, tap “Accounts”, then “Open an Account”. From the online banking platform, click “Accounts”, then “Open an Account”. Select the type of account you would like to open and follow the on-screen prompts. Currently, checking accounts are not able to be opened through online banking. We hope to have this account type available soon!
How can I quickly apply for a loan through digital banking?
In the app, tap “More” in the lower-right corner, tap “Loans”, then “Apply for a Loan”. From the online banking platform, click “Loans”, then “Apply for a Loan”. Select the type of loan you would like to apply for and follow the on-screen prompts.
Are card controls available?
Yes! Members can do the following by going to Accounts > Manage Cards in digital banking:
- View their debit and credit cards and card designs.
- Block and unblock debit and credit cards.
- Create real-time alerts for debit and credit card transactions.
- Activate new debit cards.
- Set a new debit card PIN.
How can I link an external account to view on the dashboard and use for Budgeting & Spending?
In the app, on the main accounts screen, scroll to the bottom of your account listing, tap “Link and View External Accounts”. From the online banking desktop, on your main dashboard screen, click “Get Started” under Add an External Account on the right side of the page. Type the name of the financial institution you would like to link and follow the on-screen prompts to link the account. Once added, you will see the external account listed with your accounts and within Budgeting and Spending. Linked External Accounts are not available for External Transfers. See our question on adding external accounts to transfer money back and forth for more information about External Account Transfers.
How can I create a Savings Goal in digital banking?
In the app, tap “More” in the lower-right corner, tap “Financial Planning”, then “Savings Goals”. Tap “Savings Goals” at the top of your screen, then the + icon to select an account and create your goal. From the online banking platform, click “Financial Planning” from the top menu, then “Savings Goals”. Select the Savings Goals tab. Click the + icon to select an account and create your goal. Setting a savings goal will not create a new account. It creates a savings bucket for your goal within the selected account that helps you track your saving progress.
Security
Can I require a one-time passcode for every login?
Yes. Within the online banking platform, click on your name in the upper right-hand corner. Click “Settings”, then click “Security” and scroll down to Two-Factor Authentication. Toggle Require Two-Factor Authentication For Each Login to “On”.
Can I use an authenticator app for 2FA?
Yes. Within the online banking platform, click on your name in the upper right-hand corner. Click “Settings”, then click “Security” and scroll down to Two-Factor Authentication. Click the Edit (pencil) icon next to 2FA App, toggle the method to “On” and follow the instructions on screen to set up the authenticator. Once complete, if you wish to only use an authenticator app for 2FA, set 2FA App to the Preferred authentication method, then toggle the other 2FA methods to Off.
How can I turn on biometric authentication?
In the app, tap “More” in the lower-right corner, tap “Settings” then, of an iOS device tap “Face ID” or “Touch ID”; for an android device, tap “Face Unlock” (in Android, the Face Unlock option also toggles Fingerprint Unlock). Toggle the button on to enable biometric authentication.
Mobile Deposit
How do I deposit a check using the mobile app?
You can deposit checks directly from your smartphone using the CFCU Mobile app. Simply take photos of the front and back of your endorsed check and submit it for deposit. The process is fast, secure, and easy to follow within the app.
Within the CFCU Mobile app select Deposit Check > Choose the account to deposit the check into > Enter the amount > Take a picture of the front and back of the check > Submit Deposit
Do I need to visit a branch or ATM to deposit my check?
No branch or ATM visit is required when using Mobile Deposit. You can deposit checks from anywhere at your convenience. Once submitted, your deposit is safely processed through our secure system.
Within the CFCU Mobile app select Deposit Check > Choose the account to deposit the check into > Enter the amount > Take a picture of the front and back of the check > Submit Deposit
Can I deposit checks outside of regular business hours?
Yes! Mobile Deposit allows you to submit checks anytime, day or night. Deposits made outside of business hours will be processed on the next business day, and you’ll receive status updates as your check is reviewed.
Within the CFCU Mobile app select Deposit Check > Choose the account to deposit the check into > Enter the amount > Take a picture of the front and back of the check > Tap Submit Deposit
What does it mean when my check shows as “Received”?
A status of Received means we have successfully received your check. At this stage, the deposit is under review for approval. No action is required unless we request additional information from you.
What does “Approved” mean, and when will my funds be available?
Approved means your check has been accepted and credited to your account. A portion of the deposit may be placed on hold based on our Funds Availability Policy. Deposits over $300 may not be immediately available, so please keep your check for 60 days before securely destroying it.
What happens if my check is rejected?
The Rejected status indicates that the check could not be deposited. We recommend contacting the issuer of the check.
Credit Card Features
How can I receive alerts about my credit card activity?
You can set up alerts to monitor card activity, including purchases, payments, or suspicious transactions. Alerts can be sent via text, email, or in-app notifications, helping you stay informed and in control of your account. This feature adds an extra layer of security to your card usage.
Go to Accounts > Manage Cards > Alerts and Controls > Manage Card Alerts
Can I set limits on my card?
Yes, you can set transaction-specific limits on your credit or debit card. Limits can help manage spending and reduce the risk of unauthorized charges. You can adjust these limits anytime through Online Banking or the CFCU Mobile app.
Go to Accounts > Manage Cards > Alerts and Controls > Manage Card Controls.
From there you can select if you want an alert on all transactions or if you’d like alerts on transactions over a specific dollar amount.
How do I view my card details like number, expiration date, and CVV?
Yes, you can see your card details like number, expiration date, and CVV.
You can do so by going to Accounts > Manage Cards > Click or tap Manage Card on the card you want to see > See Details.
How do I notify the bank if I’m traveling?
You can set up a travel notice in Online Banking or the CFCU Mobile app to let us know when you’ll be using your card outside your usual location. This helps prevent declined transactions while you’re on vacation or business trips. You can add multiple destinations and travel dates for convenience.
You can let us know by going to Help & Messages > Travel Notices > Travel Notice. From there you will fill out the form.
How can I perform a balance transfer on my credit card?
Balance transfers can be initiated through Online Banking or the CFCU Mobile app, or by contacting us directly. This allows you to move existing credit card balances from other accounts to your CFCU credit card, potentially saving on interest and simplifying payments. Processing times and transfer limits may apply.
To transfer a balance you will go to Accounts > Manage Cards > Manage Card (On the credit card) > Balance Transfer. From there fill out the form.
View & Redeem CU Rewards Points
You can view your current rewards balance and redeem points directly through Online Banking or the CFCU Mobile app, you can view your rewards by going to Accounts > Manage Cards. Points can be redeemed for travel, merchandise, gift cards, or statement credits. The CFCU Mobile app makes it easy to track your rewards activity and plan redemptions.
Debit Card Features
How do I activate a new debit card?
You can activate your new debit card securely through Online Banking or the CFCU Mobile app by going to Accounts > Manage Cards. Follow the prompts to verify your identity and enable your card for purchases and ATM access. Once activated, your card is ready to use immediately.
How can I set or update my debit card PIN?
You can set or change your debit card PIN directly in Online Banking or the CFCU Mobile app, go to Accounts > Manage Cards> Update PIN. This allows you to manage your PIN without visiting a branch. Updating your PIN periodically is good practice for added account security.
How do I block or unblock my debit card?
If your card is lost, stolen, or you suspect unauthorized use, you can temporarily block it using Online Banking or the CFCU Mobile app, go to Accounts > Manage Cards > “Block this Card” (for the card you want blocked). Once the card is secure, you can unblock it and resume normal use. This feature helps prevent fraud while giving you control over your account.
How do I create or update transaction alerts?
You can customize transaction alerts for your debit card to receive notifications for purchases, ATM withdrawals, deposits, and other activities. Alerts can be sent via text, email, or push notifications. They help you monitor spending and quickly detect unusual or unauthorized transactions.
Go to Accounts > Manage Cards > Alerts and Controls > Manage Card Controls.
From there you can select to receive alerts for all transactions or set it up to receive transactions over certain amounts.
How do I set or update transaction limits and blocks?
Transaction limits and blocks can be set in Online Banking or the CFCU Mobile app. You can control spending by transaction type or geographic location. Limits and blocks can be updated at any time, giving you added security and flexibility.
Go to Accounts > Manage Cards > Alerts and Controls > Manage Card Controls.
From there you can select to receive alerts for all transactions or set it up to receive transactions over certain amounts.
User-Configurable Alerts
What types of alerts can I receive?
You can receive alerts for account balances, deposits, withdrawals, and other transactions. These notifications help you stay informed about your account activity in real time. Alerts make it easier to manage your finances and avoid overdrafts.
How do alerts help with account security?
Monitoring account activity through alerts allows you to quickly detect unauthorized or suspicious transactions. Immediate notifications help you take action to protect your account if something unusual occurs. Alerts are a convenient tool to enhance your account’s security.
How can I choose how I receive alerts?
You can customize the delivery method for your alerts, choosing between text messages, email, or push notifications within the CFCU Mobile app. This flexibility lets you stay informed in the way that works best for you. Alerts can be updated or changed at any time in your account settings.
Savings Goals
How do I create personalized savings goals?
You can set up savings goals within Online Banking or the CFCU Mobile app to match your financial objectives, such as vacations, emergency funds, or large purchases.
You can view Savings Goals by going to Financial Wellness > Savings Goals > Savings Goals.
Each goal can be named and tracked individually, helping you stay focused and motivated.
Can I automate transfers to my savings goals?
Yes, you can schedule automatic transfers from your checking account to your savings account. This makes it easier to save consistently and reach your goals faster without needing manual deposits.
You can do so by going to Transfers > Make a Transfer > Select the source/funding account > Select the savings account used for your Savings Goal > Enter the amount of money to transfer > Select how often the transfer should occur.
Do I need to open additional accounts to track my goals?
No additional accounts are necessary. Your savings goals are managed within your existing accounts, keeping funds organized and easily accessible in one place.
Can I manage both short-term and long-term goals?
Yes, the platform allows you to manage multiple goals simultaneously, whether they are short-term or long-term. You can track progress, adjust targets, and prioritize goals as your financial needs evolve.
Certificate Maturity Options
How can I view my certificate’s maturity information?
You can view your certificate’s maturity dates, dividend history, and available renewal options securely through Online Banking or the CFCU Mobile app.
Go to Accounts > View Balances & Transactions > Select the certificate > Certificate Details
The “Certificate Details” allows you to stay informed about your account and plan next steps ahead of time.
Can I choose how my certificate is handled at maturity?
Yes, you can select whether to renew, transfer, or withdraw your certificate when it matures.
Go to Accounts > View Balances & Transactions > Select the certificate > Certificate Details > Maturity Payment Method.
Setting your preference ahead of time ensures your funds are managed according to your financial goals without interruption.
Can I track my certificate balance over time?
Absolutely. You can view your account balance history to see how your certificate has grown with dividends over time.
Select Go to Accounts > View Balances & Transactions > Select the certificate > Certificate Details.
This helps you monitor progress toward your financial goals and make informed decisions for future planning.