M-O Federal Credit Union provides a wide range of online financial services exclusively for our members! Explore all the great features we offer at no cost to you!
Online Banking
It'sMe247 Online Banking Access ~ NEW April 1, 2025!
With It'sMe247 Online Banking, you can access your account and perform transactions anytime, anywhere - whether at home, work, school, or traveling. If you would like online account access contact us to get signed up today! It'sMe247 Online Banking has a fresh new look along with new features, such as:
- Improved Loan Applications
- Open & Rename Share/Savings
- Purchase New Certificates of Deposit
- Place a Stop Payment on a Check
- Set up Scheduled Transfers
All your beloved features are still accessible in Online Banking!
- Check Your Balances
- Transfer Funds
- Make Loan Payments
- View Account Activity
- View Cleared Checks
- Receive E*Statements
- Use Free Bill Pay Click here for more information
For best functionality we recommend using the following Online Banking Supported Browsers:
- Chrome
- Microsoft Edge
- Firefox
- Safari for MacOS
We do not support and/or guarantee the reliable functionality of any other browsers or versions such as Internet Explorer. If you are having issues logging into Online Banking with a supported browser we highly recommend clearing out your cookies, deleting the browsing history, and/or turning off pop-up blocker.
Mobile Banking
Mobile Banking
Mobile Banking is similar to E*Teller, but gives you full account access in the palm of your hand. Simply download our free Mobile Banking app and gain access to your account information anytime you want - all you need is your smart phone, tablet or other mobile device.
If you already have E*Teller access, getting started with Mobile Banking is easy! All you need to do is download the free M-O FCU Mobile Banking app. The user ID and password you use to access E*Teller will be the same information for accessing our Mobile Banking. If you don't already have online E*Teller access call (605) 353-9977 to get signed up today.
Apple Users: click here from your mobile device to download our Mobile Banking app
Android Users: click here from your mobile device to downland our Mobile Banking app
Mobile Deposit
Mobile Deposit allows you to conveniently deposit checks anytime, day or night, wherever it's most convenient for you. Simply use the camera on your mobile device to make deposits directly through our Mobile Banking app.
- SECURE your check by writing "for mobile deposit only at M-O FCU" and your signature
- SNAP a picture with mobile device or tablet - the app provides step-by-step instructions
- SUBMIT for deposit - it's that simple!
When submitting a check for mobile deposit, the endorsement on the back must include ALL items listed in this graphic. Due to this regulation, any incomplete endorsements will be rejected.
Bill Pay
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, away at school, or anywhere you have access to internet. You can send money to companies to pay bills, or to individuals for rent, daycare, etc. Once you have added a payee, you can set up the payments to be the same or different amount each month, pick the time of the month the bill is paid, set up reminders so you don't forget to make a payment, and more. Bill Pay is not only great for your regular monthly payments, but also something that only comes up once or twice a year that requires paying.
It'sMe247 Online Banking access is required to utilize Bill Pay. It is a single sign-on, which means once you are logged into Online Banking you are automatically logged into Bill Pay as well. Bill Pay is also available over the It'sMe247 Mobile Banking app. with all of the same features.
E*Statements
E*Statements
E*Statements, which stands for Electronic Statements, is an alternative to receiving a paper statement delivered through the mail. It allows you to receive your statement 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 paper statements. Call (605) 353-9977 today if you would like to get signed up, or sign up yourself through Online Banking.
If you have E*Statements, but find yourself in need of a paper statement, you have the ability to view and print out monthly statements. Online Banking, and either a valid email address or cell phone number that receives text messages, is required to receive E*Statements.
E*Alerts
E*Notices
Certificate renewal notices, overdraft notices, share transfers, and overdraft protection advances are all delivered via text or email; we no longer mail paper notices. Please make sure we have a valid cell phone number or email address on file and that you have an active It'sMe247 Online Banking account. * Online Banking access is required to utilize this service.
EAlerts
eAlerts are an easy way to keep control of your account when you're on the go. Alerts include:
- Balance Alerts - receive a daily balance alert to keep you informed of your account balance.
- Low Balance Alerts - get notified when the funds in your account go below a certain dollar amount.
- High Balance Alerts - get notified when the funds in your account reach a certain dollar amount.
- ACH Transactions - receive an alert when an automatic deposit or withdrawal occurs.
- Loan Payment Alerts - receive an alert to remind you when you have a loan payment coming due or if you miss a payment.
- Transaction Alerts - receive an alert based on the number of posted transactions (deposits and/or withdrawals) or the dollar amount of posted transactions (deposits and/or withdrawals).
Alerts can be sent via our Secure Online Banking Message Center, an email or through the Online Banking Message Center with an email reminder. Online Banking or Mobile Banking access is required for these alerts. Simply log into your account, click on Personal Info & Settings (in the upper right-hand corner) and click on eAlert Subscriptions.
Transaction Alerts
Credit Cards - Alerts can be sent via text or email and include when payments are due, when statements are available to view, when balances / transactions exceed a particular dollar amount, and more! Visit to activate these alerts.
Travel Cards - Sign up for online access at . You will be able to sign up to receive transaction information, check balances, change your PIN, reload the card, and more.
ATM / Debit Cards - These are known as Visa Purchase Alerts and are delivered via email. If you would like to register to receive these alerts you must do so at , or via the Visa app. There you can set up your own alert preferences for transactions such as amount thresholds, international transactions, card not present transactions, etc.