Digital Banking User Guide

Use CMCU's Digital Banking platform to effortlessly manage your finances.

Learn how to fully utilize CMCU's digital banking platform by performing the tasks outlined here. If you need additional help, or would like to suggest a topic to be outlined here, please contact us by using the Live Chat button found in the lower left of your browser window or click here.

digital banking functions

 

Account Dashboard

Changing the tiles visible on your home screen

  1. In the left-hand menu, click “Preferences”
  2. In the drop-down menu, select “Account Preferences”
  3. This will list all of your shares & loans.
    • By using the up & down arrows on the right-hand side you will be able to move the tiles on your home screen
    • By clicking on the individual accounts you may select the toggle to hide the shares. Confirm by selecting “Yes, hide” on the next screen
    • By clicking the individual accounts, you may also nickname the account to display a name of your choosing

Organizing your account tiles

  1. Click and hold down on the tile you would like to move
  2. Create a new folder by dragging the tile to the blue pop-up "Add Folder" button at the bottom of the page
  3. After creating a folder, you can drag other tiles into that folder
  4. Rename each folder by clicking the pencil icon in the folder title
  5. Hide folders by clicking the arrow to the right of the folder title

 

Transfers

Transfer Within Account

  1. On the main screen, click the "kabob" menu (3 vertical dots) next to the account you want to transfer from
  2. Select “Quick Transfer”
  3. In the drop-down menu, select the account you are transferring to
  4. Enter an amount
  5. The date will automatically be set as the earliest date available
  6. Click the “Transfer Funds” button

Member to Member Transfer

  1. In the left-hand menu, select “Transactions”
  2. In the drop-down, select “Member to Member Transfer”
  3. You may choose to set the transfer as a single transfer or to link the other account. Linking the account will allow the number to be saved in the drop-down for future transfers.
    • Single Transfer: Choose the account you are transferring from and the amount. Enter the CMCU account number, 4 digit share ID, account type and the first three letters of their last name.
    • Linking another member's account: Enter the CMCU account number, 4 digit share ID, account type and the first three letters of their last name. Click “Submit.” You will receive a confirmation page if the account link was successful, here you may select “Done.” You may now follow the instructions for 1-3(a) to complete your transfer.

Add External Accounts and Make External Transfers

You can link a bank account from other financial institutions within your CMCU online banking account! This is helpful if you have just switched to CMCU or if you would like to make loan payments online.

Step 1: External Transfer Member Set Up

  1. Log into your CMCU online banking account
  2. In the left-hand menu, click on "Transactions" then click on "Add External Accounts"
  3. Enter the routing number and account number of your external account (this can be found on checks)
  4. Select the account type you are connecting (Checking, Savings, or Loan)
  5. Read the "Add External Account Agreement." If you agree, then click "Continue."
  6. Within 5 business days, two small deposits will be made into the external account of your other financial institution.

Step 2: External Account Verification

  1. Within 72 hours of the deposits occurring in your external account, you will need to retrieve the amounts.
  2. Log into your CMCU online banking account
  3. In the left-hand menu, click on "Transactions" then click on "Verify External Accounts"
  4. Click "Submit" on the next page
  5. Enter the two small amounts which were deposited into your external account at your other financial institution
  6. Click "Continue"
  7. Your external account has been verified!
  8. Please note: After your external account has been verified, it will take an additional 1-2 business days for the branch to review the request and select your daily and monthly limits. After this process is complete, you will be able to create external transfers as normal.

Step 3: Making External Transfers

  1. Log into your CMCU online banking account
  2. In the left-hand menu, click on "Transactions" then click on "Funds Transfer"
  3. You may choose to transfer to or from the external account, which will appear in the drop down as "EXTERNAL | External Checking XXXXXX..." and the last digits of your external account number.
  4. In the "From" drop down, choose the account you are moving your funds from.
  5. In the "To" drop down, choose the account where you are sending your funds.
  6. Enter the amount of the transfer.
  7. Enter the date you would like to make the transfer to be initiated.
  8. To complete the transaction, click on "Transfer Funds."
  9. Transfers can take 2-3 business days to arrive in your account. This applies to transfers in both directions.

 

 

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