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E*Teller Services

Our online account access, referred to as E*Teller, is a great way to get organized and stay organized!  E*Teller access allows you to look at your account on your own time, whether you are in the comfort of your own home, away at school or at work.  Some of the many features allow you to:  check account balances, transfer funds, make loan payments, see if items have cleared your account, look at images of each check that has cleared your account, look up tax information and so much more.  Having 24/7 access to your account helps you get organized while helping you monitor your account against fraud.
Through E*Teller Messaging you are able to contact the credit union, without having our email address.  All you have to do is log into your E*Teller account, click on ‘messages’ from the list of options on the left-hand side of the page, and you can send a message without knowing our email addresses.  We also use this messaging system to keep you informed of new services, changes to current services, specials and promotions, and other miscellaneous information.

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Mobile Banking

Have access to your account 24/7 to:

Mobile Banking is similar to E*Teller. It allows you access to your account information anytime you want, but offers more convenience than E*Teller – all you need is your smart phone. You can now have full account access in the palm of your hand.

If you already have E*Teller access, signing up is easy! The information you use to access E*Teller and Bill Pay will be the same information for accessing our Mobile Banking. It will be a single sign-on, which means when you sign in to the Mobile Banking you will also be logged into Bill Pay.

Mobile Banking is accessible for both iPhone and Android users.

iPhone Users

Android Users

Mobile Deposit


Mobile Deposit lets you easily deposit checks 24/7 wherever and whenever it is most convenient for you.  Simply using the camera on your mobile device you can make deposits quickly and securely - right from the Mobile Banking App.  SECURE your deposit by endorsing the back of the check, SNAP a picture with your mobile device and SUBMIT for deposit - it's that easy!

Bill Pay

Bill Pay is a free, quick and easy tool for you to pay your bills online in the convenience of your own home, while traveling, or anywhere you have access to the Internet.  When you use Bill Pay from M-O FCU you have many options including:  scheduling to pay your bills ahead of the due date, schedule recurring payments, the ability to edit information at any time, and avoid writing a check and paying for postage.  You can also receive information regarding your account via email including a full list of your accounts, confirmation of all transactions, transaction history, reminders, pending payments, and scheduled transactions to keep you on track.

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Having E*Statements allows you to receive your statements on the 1st of the month, instead of waiting for mail delivery.  E*Statements are free and are very user-friendly, since you won’t have to worry about storing your paper statements.

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Direct Deposit

With direct deposit, your payroll gets deposited into your account on the morning of your payroll date.  By having your paychecks setup for direct deposit it saves you a trip to our office, sending your check in the mail, and you don’t have to worry about losing a paper check.  Using direct deposit, we can also setup any loan payments to be made automatically when your payroll is deposited.  This can take out the hassle of having to remember to make your payments on time.

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Safe Deposit Boxes

We offer safe deposit boxes in two different sizes.  The small ones are 3” x 10” and the large ones are 5” x 10” and are located at our drive-up location.  The yearly rental for a small box is $20 and a large box is $25.

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Visa Credit Cards

We offer a credit card with no annual fee, a 25 day grace period and a fixed annual rate of 12.9% APR.  Payments are made and inquiries conducted internally at both M-O FCU locations.  For your convenience, you have access to your account 24 hours a day.  You can find information about your current balance, payments, transactions posted since your last statement, authorizations, and much more by going to or calling (800) 808-7230.  If you need to report your card lost or stolen after normal business hours, call (800) 991-4964.

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VISA Travel Money Cards

Using a VISA® TravelMoney Card is safer than carrying cash or using debit/credit cards, as there is no connection to your account or any personal information.  They also offer great convenience, since they can be used worldwide anywhere VISA is accepted.  They can be loaded with any amount between $100 and $5,000.  You can reload your TravelMoney Cards at either M-O location and they can be reloaded an unlimited number of times.  There is no limit on how frequently you may use the card and there are no monthly service fees while the card is actively being used.  You also have online access to view transactions and check your balance at  If you have questions outside of our normal business hours, or you need to report your TravelMoney Card lost or stolen call (877) 850-9650.

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VISA Gift Cards

Whether you are in the need of a birthday gift, wedding present, graduation gift, a stocking stuffer, or something for that hard-to-shop-for person, a VISA® gift card is the perfect fit!  We offer them in a variety of designs and they can be loaded with any amount between $10 and $500.  They are also very convenient because they can be used anywhere VISA is accepted.  There is no limit on how frequently you may use the card and there are no monthly service fees while the card is actively being used. You also have online access to view transactions and check your balance at  If you have questions outside of our normal business hours, or you need to report your Gift Card lost or stolen call (866) 833-2370.

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Wire Transfers

If you need to move funds from one financial institution to another, M-O can help you by performing a wire transfer. A wire transfer allows you to move funds to another account in another city, or a different state.  There is a lot of information that must be gathered before a wire transfer can be completed.  To process a domestic wire transfer and ensure funds are credited to your account the same day, there is a cutoff time of 1:30pm (10:00am for foreign wire transfers).  A signature is required to complete a wire transfer.

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Money Orders

Personal money orders are a form of guaranteed funds that can be purchased for any dollar amount from either of our offices.

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Cashier’s Checks

If you are looking for a way to give someone guaranteed funds, a cashier’s check will do just that.  They can be purchased for any dollar amount with cash or funds from your account, and are available from either of our locations.

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Notary Services

We have staff members on hand that are able to notarize documents for you free of charge.

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Theater Tickets

Rediscover one of the exclusive benefits we offer YOU – our valued member. We are entitled to offer you Logan Luxury Theater movie tickets at a discounted price.  These tickets can be used at Huron, Dell Rapids and Mitchell locations.

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Postage Stamps

For your convenience we sell postage stamps at both our offices. If you do not have cash to purchase them, we can take the funds directly from your account.

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Financial Resources

Financial Resource Center

A suite of online financial tools that includes online securities trading, money management tools, financial calculators, access to insurance and other financial products, an online financial library, and more.

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Investment Products

Keep Your Eye on the Stock Market and get all the financial facts, figures and forecasts you need to keep pace with the markets and stay on top of your investments.  Learn more. . .

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Insurance Products

Shopping for insurance coverage just got easier.  We offer Life, Home, and AD&D.  TruStage products are only available to credit union members, which means you could get discounted rates, financial planning products and services that other financial institutions simply don't make available.  You can enjoy customized plans offering competitive rates, get a free quote today.  

Looking for insurance protection? We've Got You Covered. Find Out More. Exclusively for credit union members.

Contact a Representative

Make your financial dreams a reality. Call to take advantage of a no cost, no obligation consultation today.
Learn more . . .

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Financial Adventure Game 

This game is perfect for kids to learn the importance of financial decisions.  It is completely free to play and requires no membership.  Click the graphic below to get started playing today!



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Online Calculators

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

View online calculators
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