Online Banking "How To"

Use CMCU online banking to manage your finances daily.

Learn how to fully utilize CMCU's online 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.

online banking

 

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 member number, 4 digit share ID, account type and the first three letters of their last name.
    • Linking another member's account: Enter the member 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.
 

 

eStatements

Signing up for eStatements

  1. In the left-hand menu, select “Accounts”
  2. In the drop-down menu, click “Statement/Notice Delivery”
  3. You may choose to only receive your statements electronically or additionally you may select tax forms and notices
  4. Click the PDF and read the terms of agreement, this will open up in a new tab
  5. Exit the tab and click the check box next to the PDF
  6. Click the PDF icon that says “Click this pdf icon to get the verification code,” this will open in a new tab
  7. Copy the code and close the tab
  8. Paste or enter the code in the Verification Code box
  9. Click “Submit”

Accessing your eStatements

  1. In the left-hand menu, click on "Accounts" then "Statements"
  2. Select the account for the statement you wish to view
  3. A new tab/window will open with the eStatement site
  4. To view an eStatement, hover over the "eStatements" menu item on the left side of the page then click on "View Statement"
  5. To change the month being viewed, select a date in the drop down menu at the top of the page
eStatements

 

Online Bill Pay

Bill Pay is a free service for all CMCU members using internet banking. To get started, simply log in to your CMCU internet banking account and follow the instructions below to utilize this convenient service. Access Bill Pay in internet banking by clicking on "Service" in the left-hand menu, then click on "Bill Pay."

After setting up Bill Pay on your Internet Banking account, you will be able to make Bill Pay payments on your CMCU mobile app account.

Payees

  1. To add a new payee, click on "Add Payee"
  2. Enter information for every item with a red asterisk (*). Depending on the payee type, these requirements may vary
  3. Click "Save" to save the new payee to your account

Before deleting a payee, make sure there are no recurring payments to the payee. If there are, you must edit the recurring payment series by cancelling it. After successfully cancelling the recurring payment, you can follow these instructions to delete the payee.

  1. Click on "Options" then "Delete a Payee"
  2. Remove a payee from your account by clicking the "Delete" button next to the payee you wish to remove

You can edit a current payee if their information has changed, such as an address or phone number.

  1. Click on the "kabob" menu on the payee you wish to edit (the three vertical dots next to the name of the payee)
  2. Then click on "Edit Payee"
  3. Make the edits you wish to change, then click on "Save"

 

Payments

  1. The default view of Bill Pay shows all of your payees with options to pay your bills. To set up a payment for any or all of your bills, select the "Pay From" account in the drop down menu, enter the payment amount and the delivery date next to each bill.
  2. When ready, click on "Review Payments" to view all of your scheduled payments
  3. If you are satisfied with your payment schedule and amounts, click on "Submit Payments"

Email or Text Message - Use this method if you do not know the recipient's routing and account number

  1. Click on "Options" then "Visit Bill Pay Site"
  2. In the new window or tab that is opened, click on the "Pay a Person" tab at the top
  3. Select the "Email or text message (electronic)" option and click "Next"
  4. Enter the required information (either text or email) and any other information you wish to track, then click "Next"
  5. The next page will ask you to create a keyword. You must share this keyword with your recipient.
  6. Select a phone number or email to receive an activation code, then check your phone or email for the code
  7. Enter the code into the "Activation Code" field and click "Next"
  8. Your payee will be officially set up and available for payment once the recipient finishes these steps:
    1. Recipient will receive an email or text with a link to verify the account
    2. The link will bring the recipient to a page that asks for the keyword you created and shared
    3. Recipient needs to enter the keyword into the keyword box and click "Submit"
    4. The next page will ask the recipient to enter their account type (personal checking, savings, or business checking), routing number and account number then click "Submit"
    5. The next page will confirm "Setup Complete" and the recipient can exit the page

Direct Deposit (Electronic) - Use this method if you know the recipient's routing and account number

  1. Click on "Options" then "Visit Bill Pay Site"
  2. In the new window or tab that is opened, click on the "Pay a Person" tab at the top
  3. Select the "Direct deposit (electronic)" option and click "Next"
  4. Input all of the recipient's information including routing and account number, then click "Next"
  5. Select a phone number or email to receive an activation code, then check your phone or email for the code
  6. Enter the code into the "Activation Code" field and click "Next"
  7. The new payee should now appear in your payments list

Check - Use this method if you wish to send a physical check to the recipient

  1. Click on "Options" then "Visit Bill Pay Site"
  2. In the new window or tab that is opened, click on the "Pay a Person" tab at the top
  3. Select the "Check" option and click "Next"
  4. Input all of the recipient's information, then click "Next"
  5. Select a phone number or email to receive an activation code, then check your phone or email for the code
  6. Enter the code into the "Activation Code" field and click "Next"
  7. The new payee should now appear in your payments list

There are several methods to view payment history:

  • On CMCU Internet Banking: Click on the "Payment Activity" tab at the top of the Bill Pay page to view pending and paid bills.
  • Bill Pay Site: Click on "Options" then "Visit Bill Pay Site." Your pending and paid bills will appear in the feed on the right side of the page.

To set up a new recurring payment:

  • Click on "Options" then "Visit Bill Pay Site"
  • Next to the payee/bill you would like to make recurring, click on the link "Make it recurring"
  • Fill out all required information then click "Submit"

To view recurring payments:

  • Click on "Options" then "Visit Bill Pay Site"
  • View your upcoming pending payments by clicking on the "View more" link in the Pending Payments window on the right side of the screen. You can also scroll to the bottom of the webpage and click on "View pending transactions."

Payments that have been processed cannot be cancelled. But, if the item has not been cashed, you may be able to do a stop payment (see below).

  • Click on "Options" then "Visit Bill Pay Site"
  • Click on the pending transaction in the pending transaction window on the right side of the page
  • If the "Cancel Payment" button is available, click it now to cancel the upcoming payment

Through Bill Pay, you may do a stop payment on a check. There is a $25 fee that will be applied for the stop payment.

  • Option One: In the full Bill Pay site (click on "Options" then "Visit Bill Pay Site"), find the transaction you need to stop, click on "View." In the next screen, you should see an option for "Stop payment request."
  • Option Two: Call the Bill Pay providers directly at (855) 242-7665.
  • After 90 days of the check not being reconciled, Bill Pay will automatically put a stop payment on the check free of charge.
  • If the check has been paid out, you would need to reach out to the payee for a refund.
  1. Click on "Options" then "Visit Bill Pay Site"
  2. Click on the "My Account" tab
  3. Locate the "Pay from accounts" box and select "Add Account"
  4. Enter the requested information and click "Next"
  5. Review the information, if correct click "Submit"
  6. Once submitted, pay "From Accounts" may take up to three business days to be approved
  7. You will receive a message in the Bill Pay site when the account is approved
Bill Pay

 

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

 

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