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• How can I have a loan payoff quote sent to a 3rd party?
  

  Loan payoff quotes can be given only to the borrower or joint borrower on a loan, and we can provide this to you free of charge. Payoff quotes may be given to a third party only with your expressed written consent; by completing an Authorization Form or via secure message in online banking.

  After we receive your written consent, we can provide the payoff to a 3rd party directly, for a $5 fee. We will not release any details of your accounts to a third party without the proper, required authorization.

• Can I make a Loan Payment at the ITM if I do not have a checking account?
  

  With the ITM you can request assistance from a representative and make a deposit into your savings account and then transfer those funds to make a payment to your loan.

• What happens to electronic payments and deposits on Federal Holidays?
  

  When there is a Federal Holiday, no electronic transactions will post to your account, such as payments made using a Routing and Account Number, Mobile Deposits, or Wire Transfers.

• Should I choose 'debit' or 'credit' when making a purchase?
  

  When retailers ask you if you want to pay for your purchase with debit or credit, you have two options. Debit uses your PIN to pay for a purchase, and allows you to get cash back. If you select credit, you will simply sign for your transaction. 

• What if I lose my device with my Digital Wallet?
  

  Each service has their own way to remotely turn off mobile payments if your device is lost temporarily. If this is the case, you will be able to continue using your physical card.

  If you are unable to turn off mobile payments or cannot recover your device, we recommend that you report your card lost or stolen by calling Visa at (800) 234-5354, or our Call Center at (800) 535-2129.

• Do I have to pay to use my Digital Wallet?
  

  It is currently free to use, but be aware that cellular data charges may apply.

• How to set up Direct Deposit?
  

  We accept payroll direct deposit from any employer; simply contact your Human Resources department with the following information:

  • Our routing number: 291975478
  • Your account number. 
  • Amount to be deposited.

  You can deposit to savings, checking or both. If you elect to have the deposit split between accounts, you will need to indicate the amount going to each.

• How do I see my Visa Credit Card transactions?
  

  To see your Visa transactions, log into your online banking. Go under Services and click Visa Online. Click the Credit Card that loads and it will take you directly into Visa online where you can see your balances, transactions and make payments on your credit card.

• How to use Mobile Deposit?
  

  When you log in to online banking, you’ll need to go under Transactions and select Deposit Check. Choose the account the deposit should go into and enter the dollar amount of the check.

  Make sure you endorse your check with all payees’ endorsements and write Mobile Deposit on the check under your endorsement prior to submission. Then, follow the prompts to capture images of the front and back the check and submit.

  For more information, visit Digital Banking.

• If I don't have a membership, can I still use the ITM?
  

  Yes, but not all features will be available for use. As with any of our ATMs, the ITM is open to non-members and cash can be withdrawn for a small fee. To take full advantage of the ITM, become a MEFCU member today!

• Will I ever be contacted for my Online Banking username or password?
  

  We will never contact you for your Online Banking username or password. If you receive such communication, do not provide any information and immediately contact us to investigate the situation.

• At the ITM, can I deposit a check or cash into my account?
  

  Yes, you can deposit a check at anytime if you have a MEFCU debit card. If you do not have a MEFCU debit card you will need to speak with a representative.

• Can I cash a check with change?
  

  Yes, if you are a MEFCU member you can cash a check with change. Request a representative and they will cash your check.

• What are the hours I can talk to a teller when using the ITM?
  

  Representatives are available Monday - Friday from 8:00 a.m. to 5:00 p.m.

• Where can I find my Account Number?
  

  Log in to online banking and look under Account Preferences. Your account numbers are listed there, however you will leave off the ‘S1’ at the end for your savings account.

• How do I put a Travel Notice on my Visa Card?
  
  • Online Banking: Log in, click the Services tab and select Visa Travel Notice. Complete and submit the form.
  • In Person: If you prefer, visit one of our locations to complete a Visa Travel Notice form.

  Your card is welcome everywhere that Visa is accepted. If traveling internationally, please see our information about which countries may impact your card usage.

• Why doesn't my physical card match the image used in the app?
  

  There are default images used within the app, which may not match the design of your card.

• How do I change my address?
  
  • Online Banking: Log in, click the Services tab and select Change of Address. Complete and submit the form.
  • In Person: If you prefer, visit one of our locations to complete a Change of Address form.
• Online Banking always makes me get a Secure Code, why?
  

  When you get the secure access code and enter it, the system asks if you want to register the device. If you say no, it will require a new access code each time you go to log in. If you say yes and it still is asking for a new code, your computer or device is not storing the memory that you told it to remember it.

  Some devices have their security set up to delete cookies/cache data more regularly, which will wipe away the record of your registered device and will require a new registration. This is something you will need to update on your computer.

• What is a Statement Balance?
  

  Balance as of the last day of the statement cycle.

• How do I report my Visa Card as lost or stolen?
  

  To report a lost or stolen card, please call Visa at (800) 234-5354.

• Which cards can I add to my Digital Wallet?
  

  You can add both MEFCU Visa Debit and Credit Cards. 

• What is your Routing Number?
  

  Our routing number is 291975478.

• How can I change my Visa PIN number?
  

  If you forgot your PIN number or would like to change it, please call PIN Now at (888) 891-2435.

• How do I send a Wire Transfer?
  

  Wire Transfers

  To send an outgoing wire from MEFCU, please contact us for the appropriate wire transfer form.

  • Incoming Wire Instructions
    

    Funds being wired from a financial institution outside the United States must first be sent to their state correspondent bank in the United States, then follow instructions below. 

    To wire funds from a financial institution within the United States, follow the instructions below.

    To: Alloya Corporate Federal Credit Union, 184 Shuman Boulevard, Suite 400, Naperville, IL 60563

    ABA Routing/Transit Number: 271987635

    Further Credit To: Mayo Employees Federal Credit Union, 130 23rd Avenue SW, Rochester, MN 55902

    MEFCU's Account Number: 291975478

    Final Credit To: Member Name & Member Number

    Indicate Account: Savings or Checking

  Fees will apply for outgoing and incoming wire transfers.

• Why did I get locked out of Online Banking?
  

  Your account is protected by a multi-factor out of band authentication process that adheres to the rigorous federal guidelines put forth by the Federal Financial Institution Examination Council. Additionally, your online access will be frozen if the authentication process fails more than two successive attempts. If this happens, our Member Service Representatives will unlock your online account provided you are identified successfully.

• Is there a foreign transaction fee when I use my Visa outside of the U.S.?
  

  Yes. There is a 1% foreign transaction fee assessed by Visa for any transaction processed outside the US.

• Where is my Mobile Deposit?
  

  Mobile deposits are posted two times each business day. Deposits submitted and accepted by 8:30 a.m. will typically post by 9:00 a.m. Deposits submitted between 8:30 a.m. and 2:30 p.m., will typically post by 3:00 p.m. If there are holds or a check is rejected after review, you will see those messages in your online banking.

  Log in. Go under Transactions and click Activity Center. At the top, click Deposited Checks and scroll down to your deposit. You can click on the deposit to see an image of the check as well as any notes sent back to you regarding the deposit.