24/7 Account Access

"A long, long time ago" credit union members waited for their statement to arrive by mailbox to find out their balance.  Today, members can access their accounts 24/7, online and realtime, in a variety of safe ways. To learn more, click on the links below or scroll down.  If you have a question, ask -- no financial question is too silly. 

• It'sMe247 -- Online Account Access
• E-Statements:  Free and Safe
• Mobile Access:  Free & Safe
• CU Talk:  Touch-Tone Teller
• e-Alerts and e-Notices
• VISA Credit Cards - Online | Real Time
• Mortgage Balances - Midwest Loan Services

"It'sMe247" -- Free Online 24/7 Account Access

ICCU is proud to offer a state-of-the-art service that is online, real-time and absolutely free!

If you already have a PIN number, or have recently opened your account and have been given instructions by a Member Service Representative, simply click on the link to the left to get started.

With internet access and a supported computer or internet connected device, you can do your credit union business at your convenience.  Online services include the ability to:

• Transfer money  
• Check your balances
• Review transactions
• Sign-up for e-statements
• Pay bills online
• Re-order checks Sign up for e-alerts  

*Minimum Requirements:  The minimum requirements to use "It'sMe247" include a smart phone, computer or tablet with Windows 98 or newer operating system and an internet connection with the latest version of Internet Explorer, Firefox, Safari or Chrome, or Netscape Navigator.  Browsers must also have session cookies and JavaScript enabled. 
A 128-bit encryption is also required.  To check your encryption level -- go to the Help Menu and choose "Help About" and look for a cipher strength or security notation indicating 128-bit strength.   

We are sorry, but the Web TV is not supported at this time. MacIntosh operating system may not be supported, although it may work with the latest browers.  Mac users please let us know if it works for you, so we can tell others.  

Log-In Instructions • Troubleshooting •  Minimum Computer Requirements 

 Mobile Banking 

Mobile account access is easy, safe and simple.

ATM Locator:  CO-OP Network ATMs & GPS locator tools

Shared Branching Locator:  Use other CU's to access your ICCU account.

Having challenges?  

Tip #1:  Log out and try again.  
Tip #2:  Log into "ItsMe247" (online banking) from a desktop computer, and REGISTER your smartphone.

Having Trouble Logging-In to "It'sMe247?" 

It Might Be Your Browser -- If you have an issue connecting with "It'sMe247," it could be that you are using an older web browser, and need to upgrade to a more current one.  To upgrade, go to your browser's main website and download a free upgrade.  Scroll above for information on encryption levels.
 
Fixes for SMART/Mobile Phones Users:

• If accessed previously, DELETE your browsing history and favorites link to this site.  
• Rather than using your (former) favorites link, type-in the ICCU address: www.ICCUonline.com. 
• Internet Explorer Users: Try using the mouse, rather than the "enter" key.  It seems that IE doesn't recognize the "enter" key on some secured sites.  
• For new phones, or those with issues:  Register your Smart Phone online from a PC.  Feel free to use the PC in the lobby of the Isabella Road Office.  How to: Log-in to "It'sMe247" and hit "Go Mobile" in top right corner. You will be asked for specific information about your mobile phone.  You can add up to three smart phones.  

Fixes for Personal Computers and Laptops:

• Delete your browsing history. For many, just click on Tools then Options.   
• Delete your "favorite" link to the page (if applicable) as the URL has changed slightly.  
• Type ICCU's address website address into your web browser = www.ICCUonline.com 
• Internet Explorer Users:  Click the mouse, rather then "enter" key. It seems that IE doesn't recognize the "enter" key on some secure sites.   
   

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Online Bill Pay Service through "It'sMe247"

• Save time
• Save money
• Save trees

Get Started:  To start paying bills online, login to"It'sMe247" and click on "Pay Bills" under the "Your Accounts" column, and follow the simple instructions. See the notes below regarding payment options.

If you have any issues or challenges, please contact ICCU at 989-773-5927, as your account may need to be reset.

Save Stamps:  You can pay your bills online at the click of a button. You can pay anyone, from the phone company to your babysitter, anywhere in the U.S.A.

Many Payment Options: You can set up re-occurring payments, future payments and/or send a single check to your sister, while maintaining complete control of your account.

Payments are processed through CheckFree, one of the nation's largest payment providers.  Depending upon the vendor or person you are paying, a physical check may be mailed -- which means your payment may be posted a few days following the date you requested.  The funds will not be deducted from your account until the payment is made, so please make a note of any pending/outstanding payments to avoid overdrafts. 

Continue to check the payment option list, as the list is updated often.

NOTE:  *Personal accounts receive bill pay free if actively using at least once a month.  Business account holders pay a nominal fee of $3.00 per month plus $0.40 per payment.  In the event that no payments are made in a given month, an inactive fee of $5.00 will be assessed on both personal and business accounts.

For additional questions, support or assistance, please contact Member Services at 989-773-5927.

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CU*TALK Touch-Tone Teller: 877-557-0547

FREE:  From any touch-tone phone you access your ICCU account, and do the following:

• Check your balances
• Transfer money
• Review recent transactions
• Have a check mailed from your account

You will need your account number and PIN (Personal Identification Number) to use this service. For new members: The default PIN is the last four digits of the primary member's social security number.  You will be asked to change your PIN once logged-in for added security. All users will be required to change their PIN during their initial login. Expect a message that says "Your PIN has expired" and be ready enter a four digit number. 

Note:  Choose your PIN carefully and avoid using the last four digits of your Social Security number, or a number easily identified like your birth date, etc.   Existing members who have not used the service must call the credit union (during business hours) to have their account activated.

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E-Statements: Free & Safe!

May 7, 2012:  Your e-statement has a new look.  There are no changes in the content of your e-statement or the financial data included.  Your e-statement is now colorful, offers an orange highlighted line for easier reading, the ability to increase the font (print) size, and includes a new "find" feature. 

How To:  You can easily access your current and archived statements through ICCU's secure server.  ICCU has security features and firewalls in place to protect your account information.  Your credit union also has an annual Information Technology (IT) review, where the system is tested.  There have not been any problems, issues or concerns in this area, nor do we expect any.

SAFE: There is a three-step verification process that you must establish, so unless you share it, you are the only person able to access your account information on-line.

FAST: Statements are available much quicker than regular mail, typically 4-6 days quicker. With "It'sMe247" you can check your account as often as wish, as many times as needed.

ECO-FRIENDLY: No paper will be used to send statement or gas burned for postal delivery. You can print only what you need, when you need it.

EASY TO ACCESS: View recent statements from any internet connected mobile device through "It'sMe247."   Statements are also archived, so you can go back and check a previous month easily and quickly.

ANNUAL TAX STATEMENT:  All financial institutions are required to send year-end statements for tax purposes.  Please keep your address, phone and e-mail address current so we are able to mail your year-end statement.

e-Alerts & e-Notices:  FREE!

Tired of rushing to the credit union or your computer to see if the direct deposit you had been expecting was deposited?  You can relax and enjoy with e-alerts and e-notices.

With e-alerts, you will be notified by email (in a secure format) when certain transactions occur.  So you can know when an ACH transaction (direct deposit or payment) occurs going in or out, or when your account balance gets to a certain dollar amount. You can even be alerted when your loan payment is due and set up reminders up to 15 days before its due. 

How to set-up:  Log into "It'sMe247" as you normally would. In the preferences section, click on e-notices/e-alerts to set them up.  You can also speak to any employee at ICCU for help.  You can set the parameters, and choose when to be notified (dollar amount, transaction, etc.) as you wish.  You can also stop a notice or alert at any time.  

E-notices allow ICCU to contact you quicker if there is an issue with your account, rather than mailing a notice, and waiting to hear from you days later.  With e-notices and e-alerts your financial issues can be handled in the most efficient way possible. For help, talk to any ICCU employee.

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VISA Account Access:  Online, Real Time!   

You can check your balance, view your statement, verify purchases or pending payments -- all online on your schedule from any computer or phone connected to the internet.

To enroll for this free service, click on the "It'sMe247" "log in" on the home page.  Mobile phone users may also access this by clicking on the "mobile banking" button to access.  
 

Xtend:  Shared Branching

What is Shared Branching?  The ability to conduct transactions on your ICCU accounts at 160 credit union locations through the United States.  This free service is part of a cooperative venture, that started with Michigan Credit Unions, adn has spread across the nation. 

For a complete list of Shared Branching (Xtend) locations, click on the logo to the left. 

May 2012: Clare, MI area changes due to merger of Central Michigan Community Federal CU and Members First Credit Union. Read this letter with detailed account access options for ICCU members.

 - Before you travel, save the link on your mobile (smart) phone. 

 - Copies of the location guide are available at any ICCU office. Shared Branching Guides and locations are updated often, so check back, or best yet use the online tool.

 
Click here to find a credit union shared branching location near you.


Shared Branching Security

If you visit a Shared Branch, which is another credit union offering transactions for ICCU members (at no cost to you), please be aware that increased privacy controls have been implemented for all Xtend Shared Branch locations. 

You will be asked the following to verify your identity when doing an ICCU transaction at a Shared Branch:

• Account Number:  Your ICCU account number (or account card)
• Identification:  A valid drivers license, or other valid form of ID with picture
• Code Word:  A one or two word "code" that you may have created
• Security Questions:  Anwers to verify your identity comparing the information on file at ICCU.

Code Word:  To add or update a ICCU code word, or to update your information on file, log into "It'sMe247" ICCU's free online banking. Once on your account page, click on "preferences" (top right); then "My Personal Information" (left).

If you need help, contact ICCU at 989-773-5927 during business hours.