Online & Mobile Banking
With It'sMe247 Online Banking & Mobile Banking, you can access your account and perform transactions anytime, anywhere - whether at home, work, school, or while traveling. If you would like online account access contact us to get signed up today! As of April 1, 2025, Online & Mobile Banking have a fresh new look along with new features, such as:
- Improved Loan Applications
- Open & Rename Share/Savings
- Purchase / Redeem Certificates of Deposit
- Place a Stop Payment on a Check
- Set up Scheduled Transfers
- Change Your Address, Phone Number, Email
Other Online & Mobile Banking Features include:
- Check Your Balances
- Transfer Funds
- Make Loan Payments
- View Account Activity
- View Cleared Checks
- Receive E*Statements
- Use Bill Pay Click here for more information
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
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.
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:
- 'for mobile deposit to M-O FCU'
- your signature
Early Pay
Early Pay is a service that allows you access to your direct deposit payments up to two days early! Access to Early Pay is available within Online & Mobile Banking - putting you in complete control when you would like to use the service. Keep in mind, not all direct deposits are eligible for Early Pay; the service is designed to accommodate most regular income streams.
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.
Money Transfers
Member-to-Member Transfers
Using Online & Mobile Banking you can transfer funds between your M-O FCU account and those of other M-O FCU members.
Pay Anyone
Pay Anyone is a person-to-person (P2P) transfer option to send money to another individual via email or text message - without having to know each other's account number, no matter which financial institution they use. You can easily & securely pay your babysitter or landscaper, reimburse a friend for dinner, and so much more. The recipient will receive an email or text message with information on how to deposit the funds into their account.
Access to this service is easily found within Online & Mobile Banking under the 'Pay & Transfer' section. You must have a valid email on record with M-O FCU and a checking account to utilize this service.
Account-to-Account Transfers
Account-to-Account (A2A) transfers enable you to send or receive funds from your M-O FCU account to your account at another financial institution. To set up this transfer, you will need to complete the form available in Online Banking and submit it to us. This service is designed to offer you a convenient and flexible way to manage your finances..
Savvy Money
Savvy Money
SavvyMoney is a free, easy tool for you to keep an eye on your credit. With SavvyMoney, you have access to your credit score and full credit report along with easy-to-use digital tools. The personalized guidance can empower you to take control of your financial health and make healthy financial decisions.
- Credit Score Analysis
- Credit Score Simulator
- Financial Checkup
- Education & Tools
- Monitoring & Alerts
This service is available for members aged 18+. If you choose not to use SavvyMoney, you have the option to unenroll.
Card Management
EZ Card Info
EZ Card Info is convenient, 24/7 online access to your M-O FCU Credit Card. You can view your balance, current transactions and authorizations, access your statements, and so much more. Access EZ Card Info directly through Online and Mobile Banking without having to remember separate sign-on credentials. To access the EZ Card Info site in Online or Mobile Banking: under your list of accounts click on Visa Classic, then Card Management, then the 'Go to EZ Card Info' link.
A variety of transaction alerts, payments alerts etc. are also available to be set up within EZ Card Info and can be sent as a text message or email. We also offer Card Suite Lite an app designed to help manage not only your M-O FCU credit card, but your M-O FCU debit card as well. See below for more information.
Card Suite Lite
Manage your Debit Cards and Credit Cards with Card Suite Lite. Download the Card Suite Lite app on your mobile device to control how, where, and when your debit and/or credit card can be used. Turn your card on or off with the touch of a button, receive spending alerts, set spending thresholds, etc.
* Card Suite Lite will be available for M-O FCU credit cards in August 2025!
Travel Cards
Sign up for online access at www.CUMoney.com. You will be able to sign up to receive transaction information, check your card balance, change your PIN, reload funds onto your card, and more.
Alerts & Notices
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.
E*Alerts
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.
Text Banking
Text Banking
Get quick information about your M-O FCU accounts with our new Text Banking! With Text Banking you can send a text command and receive generated replies for account balances. There is no fee from M-O FCU to use Text Banking, but your mobile carrier's standard text messaging fees will apply. To enroll in Text Banking:
- Log into Online Banking
- Click the 'Go Mobile' button on the toolbar
- Select Text Banking home
- Follow the prompts to enroll
- After enrollment, text commands to IM247 (46247)
- A list of commands will be provided to you during the enrollment process
Text Directly with M-O FCU
Prefer texting instead of making a phone call? No problem! You can text us directly! The same friendly staff you talk with over the phone will reply to your messages. There is no enrollment process, simply text us at (605) 353-9977 - the same phone number you already use to call us. This texting service is available from 8am to 5pm CST Monday-Friday, excluding holidays.