FAQs


General Account Information

  • What is the Routing number for Members Credit Union?

    221174074
  • How do I become a member of Members Credit Union, and what documentation do I need to bring to open an account?

    Eligibility:

    You must live, work, worship or attend school in Fairfield County Connecticut in order to become a member. You must present the following documentation when opening an account:

    Unexpired government issued form of identification bearing a photograph:

    a. Driver’s License or Identity Card
    b. Passport
    c. Matrícula Consular
    d. Credencial para Votar
    e. Military ID
    f. Worker’s Permit
    g. Resident (or “Green”) Card

    Address Verification if identification does not bear current address:

    a. Rental/ Lease Agreement
    b. Mortgage Documents
    c. Utility Bills under the Member’s name
    d. A signed Affidavit by the person the Member is residing with

    Members with ITIN: Copy of ITIN Letter or ITIN Card


  • How can I sign up for Direct Deposit or Payroll Deduction, and what information do I need?

    If you are an employee of the Town of Greenwich or the Greenwich Board of Education, and wish to have your payroll sent to your Members CU accounts, you are able to sign up at the credit union office. Full and partial direct deposits or payroll deductions are accepted.

    For all other employers: To sign up for direct deposit, visit your employer's human resources or payroll department. You will need to provide the Credit Union routing number (221174074), the Credit Union street address (126 E Putnam Ave. Cos Cob, CT 06807), and your Credit Union account number.

    For your checking account: this is the twelve digit number found in the bottom center of the MICR line on your personal checks. (This twelve digit number consists of your base account number preceded by zeros.)

    If you would like your direct deposit posted to your savings account, simply provide your employer with your savings account number*. Members Credit Union will provide a verification letter for direct deposit to a savings account if required by employer.

    *Members Credit Union account numbers are three, four or five digits long. If the account number is too short, please precede your account number with zeros, to a maximum of 12 digits. Do not include the 2 digit suffix.
  • I only have a loan and need to make a payment. What do I do?

    You may mail a check to Members Credit Union 126 E. Putnam Ave. Cos Cob, CT 06807. Please include a payment coupon or indicate with a simple note which loan should receive the credit.

    You may complete an ACH authorization form and have Members CU initiate a debit to your outside account for the payment. This must be a recurring monthly payment. A one-time ACH transfer may be requested with a $10 set up fee. ACH authorization form also required for a one-time ACH transfer.

    If you have signed the Remote Deposit Agreement, and have access to our Remote Deposit Service, you may remotely deposit to your Members CU savings or checking account and simply transfer the payment online to the loan.

    If you unable to get to the office during our business hours, you can drop your payment off in our night drop box until 8pm, and your loan will be credited with the payment the next business day.
  • How do I order checks?

    We have recently changed check printers to lower the cost our members pay for their check orders. Because this is a new check printer, the first order must be ordered by Members CU staff. Simply give us a call and we can place the order for you. Subsequent orders may be ordered through the online ordering platform on our website.

    Learn More
  • E-Statements or Paper Statements?

    Do you know that e-statements are free, safer than paper statements and available to view on the first of the month?

    To avoid a $2.00 Account Fee and receive your statements by email, you only need to access to our website www.memberscu.coop and log in to MCU@ Home. For members with more than one account, you will have to sign up for e-statements on each account separately.

    Once logged on to your account,
    • Click on the menu icon (3 little dashes) in the upper left hand corner of the page.
    • Click “Email Statements and Email Settings”
    • You will then add a new Email or edit an already existing Email to select the E-statement option. To add an Email, click the Add Email button. To edit an existing Email, click on that Email.
    • Check the E-Statement Box, read and accept the disclosure.
    • You will then be sent an Email from Members Credit Union with a PDF document attachment that will contain the Verification Code needed to complete the process.
    • You must open the PDF attachment to obtain the code.
    • Enter the code and click Confirm.
    • Click the Submit Button
  • How do I find a Surcharge Free ATM?

    The Allpoint network provides you with the freedom to get your cash where you want, when you want, wherever you are... without the ATM fees. With over 55,000 ATMs in the Allpoint Network, your cash is never far away. Just look for the Allpoint logo or, better yet, use our locator or mobile app to find the nearest Allpoint ATM.
  • What if I need to withdraw more from an ATM or purchase something for more than $1,500?

    We may temporarily adjust your limit for the specific request based on management’s approval. Please give us as much notice as possible, as we cannot always accommodate your request immediately. If you must make multiple withdrawals from the same ATM machine due to ATM machine limit restrictions, you must wait at least 5 minutes between transactions, or the additional transaction(s) will be declined.
  • I just moved, where do I go to make an address change?

    The easiest way to change your address and update e-mail information is to make the change through MCU @ Home, our online banking site at www.memberscu.coop, or on our mobile app. Log into your account go to settings and edit your address and/or e-mail address. If you have changed your telephone number, please contact the office to update the number.

    Address Change Form: You may also stop into the office to fill out an address change form or send us a signed letter with the contact changes. We require a signature for address changes that are not performed through our online banking site or mobile app.
  • Why does Members CU staff ask for a password when I call over the telephone to obtain account information?

    We highly recommend providing a password for your account that can be used for any telephone inquiries. We will not provide account information over the telephone if we cannot confirm your identity.

    Providing a password is the quickest way for us to confirm your identity and give you the information you are requesting. To establish a password for your account, stop by the credit union office.
  • I forgot my password for online banking how can I reset it?

    There is a “forgot password” link on both the online banking site and on the mobile app that will send you a temporary password to the e-mail you have on file with us. Follow the instructions to reset your password.

    MCU @ Home and the mobile app will disable your account after 4 bad password attempts, and you will have to contact the credit union office to re activate your account.

    Your account will also be disabled after 2 attempts at answering your High Risk Security Questions, and you will have to contact the credit union office for re-activation.
  • Are my accounts insured?

    Your Members CU accounts are insured up to $250,000 by the National Credit Union Administration. Click here for more information about your Share Insurance Coverage.
  • If I am currently not a member can I apply for a loan?

    In order to obtain a loan from Members Credit Union you must be a member of the credit union. You may submit a loan application, but no approved loan will be funded without the applicant being a member of the credit union, having an open savings account with a minimum par value deposit of $5.00.
  • Why can’t I access the mobile deposit feature on the Members CU Mobile app?

    You must first sign the Mobile Check Deposit Agreement, and provide the signed copy to the credit union office, and receive a copy of the Mobile Check Deposit Rule and Procedures.

    The mobile check deposit feature is available to established Members CU accounts in good standing.
  • When will my mobile deposits be ready for access once it goes into my account?

    When a mobile deposit is received, there is a hold on the funds until the image of the check(s) is reviewed by Members CU. Once reviewed, the check is either accepted for deposit or rejected. Please make sure to check your e-mail for notifications of acceptance or rejection. If a mobile deposit is made after the close of our business day, the check(s) will be reviewed on the next business day. Because the deposit is not made in person, longer holds may apply. Please refer to our Funds Availability Policy for applicable holds. No deposit over $5,000 is accepted through mobile deposit, and must be presented for deposit in our office.
  • Is there a charge of online banking or bill payer?

    There is no fee to use MCU @ Home or our mobile app. The download for our mobile app is free, search for Members Credit Union-CT.

    Bill Payment is available through MCU @ Home and our mobile app. Once you sign up for the service, the first 90 days are free, then a $4.95 monthly fee applies. Bill payer allows you to set up all of your bills online, make express or recurring payments, and research your activity. The payment is automatically debited from your checking account. You can pay your mortgage, or your next door neighbor. Your bills are paid electronically when possible, and by check if the merchant or individual does not accept electronic payments. Person to Person transfers are available as well.
  • Why is my available balance different from my current balance?

    Your Available balance is the amount that you have to spend. The Current balance includes items on hold such as checks deposits or debit card transactions that are holding, but have yet to be withdrawn from your account.

Debit Cards

  • How do I find a Surcharge Free ATM?

    The Allpoint network provides you with the freedom to get your cash where you want, when you want, wherever you are... without the ATM fees. With over 55,000 ATMs in the Allpoint Network, your cash is never far away. Just look for the Allpoint logo or, better yet, use our locator or mobile app to find the nearest Allpoint ATM.
  • What are my debit card daily withdrawal limits?

    In a 24 hour period, you can withdraw $500 from an ATM, make signature based transactions for up to $1,500, and make pin based store transactions up to $1,000 provided the funds are available in your account. These limits are in place for security and safety purposes.
  • What if I need to withdraw more from an ATM or purchase something for more than $1,500?

    We may temporarily adjust your limit for the specific request based on management’s approval. Please give us as much notice as possible, as we cannot always accommodate your request immediately. If you must make multiple withdrawals from the same ATM machine due to ATM machine limit restrictions, you must wait at least 5 minutes between transactions, or the additional transaction(s) will be declined.
  • I am trying to make a transaction with my debit card. Why won’t it go through?

    • You may be exceeding the debit card daily limits, either by dollar amount or time period
    • You may not have enough funds in your account. Please check the balances in your checking account, deducting any items on hold. Items on hold decrease your available daily transaction limits
    • You may be using an expired card or have not activated your new card
    • You may be traveling or making a purchase from a merchant in a restricted country
    • Your card may be blocked because of suspected fraudulent transactions. Contact Kelly Kortner at MCU, 203-622-6050, ext 110. If you are contacted by our fraud department, you will receive an automated call from Members Credit Union with a case # asking you to verify your debit card transactions. The fastest way to resolve this issue is to contact the card fraud department by returning the call, provide the case number and verify a few transactions. This is an automated process
  • Should I contact the credit union if I am traveling and plan to use my MCU debit or credit card?

    We have no restrictions on your card in the US. It is not necessary to call us before you travel within the US to a location you visit often. However, if you are traveling outside of your normal patterns, your card may be blocked. Please make sure you have an updated cell phone number with MCU, because you may be called to verify your recent transaction history to protect your card from being blocked. If you prefer, feel free to call the office before you travel and your account will be noted.

    If you are traveling abroad, please notify us in advance. Because there are high fraud volumes in many countries, your transactions may not go through unless we place a note on your account. We apologize for any inconvenience and appreciate your understanding and patience. These steps are necessary to protect the integrity of you your card.
  • What if I see fraudulent transactions on my account or my card is lost or stolen?

    Contact Kelly Kortner at MCU, 203-622-6050, ext 110 immediately. If it is outside of business hours please call 800-554-8969. WARNING!! - make sure that the transaction(s) you may be questioning are indeed fraudulent before contacting the credit union or the after-hours phone number. Once it is flagged for potential fraud, the card will be permanently blocked and a new card number must be issued.

    You may use CARDVALET to turn your card on and off if you may have questions about the validity of a transaction before contacting the credit union. CARDVALET can be used to temporarily freeze your card until you can determine if a transaction is actually fraudulent.
  • What is CARDVALET, and how can it help me keep track of my debit card transactions and freeze my card if it is lost or stolen?

    The CardValet mobile app helps you control debit card spending, protects you against fraud and even allows you to “turn off" your cards when you’re not using them. One app to control all your debit and credit cards. Learn more about CARDVALET.

    Download our app:
    Google Play
    Apple App Store
  • I can’t find my debit card can I temporarily shut it down?

    If you lose you debit card or misplace it, and you have registered your card with CARDVALET you can shut it off using CARDVALET, or you can contact Kelly at 203-622-6050 ext. 110 or speak to a Member Service Representative to put a restriction on the card while you look for it. Warning!! – If you call the after-hours number at 800-123-4567 the card may be permanently shut down to avoid fraud and a new debit card number may be issued.

VISA® Credit Cards

  • Should I contact the credit union if I am traveling and plan to use my MCU debit or credit card?

    We have no restrictions on your card in the US. It is not necessary to call us before you travel within the US to a location you visit often. However, if you are traveling outside of your normal patterns, your card may be blocked. Please make sure you have an updated cell phone number with MCU, because you may be called to verify your recent transaction history to protect your card from being blocked. If you prefer, feel free to call the office before you travel and your account will be noted.

    If you are traveling abroad, please notify us in advance. Because there are high fraud volumes in many countries, your transactions may not go through unless we place a note on your account. We apologize for any inconvenience and appreciate your understanding and patience. These steps are necessary to protect the integrity of you your card.
  • Can I access my VISA® Credit Card Account and transaction history online?

    Yes, by visiting www.ezcardinfo.com and completing the enrollment, you will be able to view your statements, transaction history, file disputes, schedule one time or recurring monthly payments, view your score card rewards and even enroll for e-statements for your VISA® credit card account.
  • I have lost my MCU VISA® credit card, or I have fraudulent transactions I don’t recognize. What do I do?

    Contact Members CU as soon as possible. During office hours, call Kelly at 203-622-6050 ext. 110 or speak to a Member Service Representative to put a restriction on the card or start the dispute process.

    After Hours: call 800-299-9842 to report a lost or stolen card. The card will be shut down and a new card number issued.

    You will not be liable for any unauthorized use that occurs after you notify Members CU. You may, however, be liable for unauthorized use that occurs before your notice to us. You will have no liability for unauthorized use unless you are found to be fraudulent or negligent in the handling of your Account or Card. In any case, your liability for unauthorized transactions will not exceed $50.