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Below you will find information on the most frequently asked questions to help you whether you are managing your money from the comfort of your own home or if you are looking to learn more about Mid Minnesota. Please call us if you need more information, our staff is ready to help! 

Select one of the categories below to see questions. 
Need Help
Account/Personal Information
Online Banking/Mobile App
Debit/Credit Card
Account Related
Fraud
Wires
Bill Pay 


Need Help

Q: I would like to talk to someone at MMFCU, how do I reach them?

To contact staff during business hours, you can call (218) 829-0371 and have one of our staff transfer you to the employee you are looking to speak with, or you can enter an extension. Some staff have direct lines, which you can call during business hours to speak with them directly.

Currently our lobbies are open by appointment only for the protection of our members and staff. To make an appointment fill out the form here

Q: What if I need help after hours?

When our staff is not available, you can still manage your money through online and mobile banking services.

To report a lost/stolen card or fraud on your debit or credit card after hours please call 1-866-820-8776, 24/7 and they will be able to help you. 

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Account/Personal Information

 Q: What is my routing number?

 MMFCU's routing number is 291973360.

 Looking to set up direct deposit? You'll need your account number that you want the funds to     go to. The same can be said if you are looking to set up automatic payments to another   financial institution or company. 
 

Q: What is my account number?

Each account that you have with us has its own unique account number. Again, our staff can help you get this information, but only after you verify a few pieces of information about yourself. You can also find your account numbers in online or mobile banking. Looking to set up direct deposit? You will also need your routing number for the financial institution you want the funds to go to. The same can be said if you are looking to set up automatic payments to another financial institution or company. 

Q: What is my member number?

Your member number is essentially another form of ID for our staff to be able to pull up your information. Your member number will be given to you at the time of opening your account. However, your member number is not used in any other way than to find you in our system. It is not necessary to know your member number as there are multiple ways to find your accounts in our system, but if you should request it, staff can let you know after verifying a few pieces of information about you. 

Q: How do I update my address?

  • In Office or Drive-up

Visit your local branch, fill out and sign a change of address form. All members whose address is changing must sign the form. 

  • Over the Phone

Call us at (218) 829-0371 to request a change of address form to be sent to you, fill out for all members whose address is changing, all members must sign and mail back. 

  • In Online Banking
Log into your online banking account and click on settings. In the upper right corner at the top click the contact tab across the top. To update your address, click the little pencil to the right it will open up an option for you to enter your new updated address. Click Save. You will have to enter a verification code that will be sent either by text or email to verify your identity. Once you have completed this, your address will update in our system automatically. If you have a PO Box for a mailing address, you will need to change your address in office, through the drive-up or request a change of address form over the phone. 

Q: How do I order more checks?

  • In Office or Drive-up
Staff at your local branch will be able to order your checks for you. They will need to know which account you need them for and any updates on what you want included on the checks. 
  • Over the Phone
Call us at (218) 829-0371 and request to order checks. They will verify that the information on the checks is correct and order them for you. 

Online Banking/Mobile App

Q: How do I access my account online?

To access your account online, register for online or mobile banking. To learn how to do that, please use our Online Banking Tutorial webpage.

Q: How do I transfer funds in the mobile app?

To transfer between your own accounts, you can use the transfer tool which is on the bottom of your screen on your mobile phone or android.

You can also use this tool to transfer funds from your account to another MMFCU member, you will need to know the business name or first and last name of who you would like to transfer funds to, as well as the account number that the funds need to go into. To transfer to another member, you would need to click the add account button when you get the deposit account (or the account you want the funds to go to).

Q: How do I sign up for electronic statements?

To sign up to receive your statements electronically every month, you will need to be registered and use Online Banking to view your statements. Then, sign up for E-DOCS by following the directions here. Once you sign up for E-DOCS, you will receive all notices electronically for statements, tax forms, late notices, etc. 

Q: How do I stop a payment using Online Banking?

Stop payments on checks are able to be done in online banking in the draft services widget. For instructions on how to stop a payment click here

You are also able to stop a payment:
  • Over the Phone
Call us at (218) 829-0371 and our staff will be able to help you. You will need to sign a document within two weeks stating that you want to proceed with the stop payment. 
  • In-Office
One our expert staff at your local office will be able to help you process a stop payment. 
 

Debit/Credit Card

Q: How do I report my debit or credit card as stolen or lost?

To report your card as lost or stolen, please contact our staff during business hours at (218) 829-0371 and use 1-866-820-8776 after hours and on weekends. 

Q: How do I report fraud on my debit or credit card?

To report fraud on your debit or credit card please contact us at (218) 829-0371. We can start the process for you. Or you can call 1-866-820-8776, 24/7 and they will be able to help you. 

Q: How do I reset my PIN number on my debit card?

To reset your PIN number on your debit card, please call 1-866-985-2273. You will need to have your debit card handy as well as answer a few security questions. 

Q: How do I get a replacement debit card?

To receive a replacement debit card, you can contact us at (218) 829-0371 or make an appointment with staff to get a new card. Staff are able to get you a replacement debit card the same day in an office, or they can order you a new card that you will receive in 7 to 14 business days. 


Account Related

Q: How do I open an account online?

To open an account online, complete an online application. If you are new to MMFCU, we welcome you! As a part of the application process you will be asked to verify that you meet the criteria for being a member owner: live, work, worship, or attend school in any of the 10 counties in central MN that we serve, or are an immediate family member of someone who does. Immediate family includes spouse, parent, step-parent, child, step-child, grandparents, grandchild, brother, step-brother, sister or step-sister. For more information on the counties we serve see our About Us webpage

If you need help with opening your account, please contact us at (218) 829-0371 or request assistance by using this form

Q: How do I transfer money to/from my account at another financial institution?

  • Make a Loan Payment Tool
To make a payment on a loan with MMFCU using funds from another financial institution, you can utilize our Make a Loan Payment Tool with a debit card or routing and account number from another financial institution. 

  • Direct Pay
To send funds automatically from another financial institution to MMFCU, you can set up a direct pay. This works for loan payments as well. To set up a direct pay these instructions will help you. You are also able to set up direct pays in your local office

Q: How do I know what is pending on my account?

To know what is pending on your account you can either call us at (218) 829-0371 or log into online or mobile banking. To see pending purchases or debits on your account, click on one of your accounts in online or mobile banking. Pending transactions will be listed at the top and marked as pending. 

For pending deposits, you can contact us and our staff will be glad to help you. 

Q: How do I make a loan payment?

  • In Office or Drive-Up
Make your payment with the tellers.

  • Over the Phone
Call us at (218) 829-0371 and make the payment over the phone.

  • Mail
Write out a check for the payment amount and mail to us: 
MMFCU
PO Box 2907
Baxter, MN 56425

Make sure that your name is on the check along with either the account number in the memo line or the type of collateral the loan is for (i.e: 2007 Dodge Ram, Mortgage Payment, HELOC payment, etc).

Use the night drop box at your local branch. 

  • Transfer Funds in Online or Mobile Banking
To transfer between your own accounts, you can use the transfer tool which is on the bottom of your screen on your mobile phone or android. Select the account you want the funds to come from and then select the loan you want to make a payment on. Finally, you will need to select the type of payment you'd like to make. 
  
To make a payment on a loan with MMFCU using funds from another financial institution, you can utilize our Make a Loan Payment Tool with a debit card or routing and account number from another financial institution. 

  • Direct Pay
To send funds automatically from another financial institution to MMFCU, you can set up a direct pay. This works for loan payments as well. To set up a direct pay these instructions will help you. You are also able to set up direct pays in your local office

Q: How do I get a cashier's check from my account?

  • In Office or Drive-Up 

Request a cashier's check from the teller line. 

  • Over the Phone
Call us at (218) 829-0371 and request cashier's check. Please note that not all cashier's checks can be mailed out, they may request that you come into your local office to pick it up. 

Q: How/When are charges processed on my account?

(Overdraft Fees, Direct Deposit and Automatic Payments)
 
We receive and process automated transactions three times per day: first deposits (like payroll or SSN), then automated payments (like a monthly phone or utility bill paid with your account number). Debit card transactions hit your account any time throughout the day based on the merchant’s processing (store or website), which we do not have control over the timing.

Fraud

Q: I received a suspicious email from MMFCU, what should I do?

Mid Minnesota will never send you an email asking you to confirm your account number and/or password. If you receive an email asking you to confirm this information, do not reply. If you replied to the email and provided personal information, contact us immediately by calling (218) 829-0371.

Q: I received a suspicious text from MMFCU, what should I do?

MMFCU will never send you a text asking you to confirm your account number and/or password. If you receive a text asking you to confirm this information, do not reply. If you replied and provided personal information, contact us immediately by calling (218) 829-0371.

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Wires

Q: What instructions do I need to receive a wire into my account at MMFCU?

To receive a wire into your account at MMFCU, please give the financial institution sending the wire the following information:
1. Mid Minnesota Federal Credit Union's Routing Number: 291973360
2. The account number that you would like the funds deposited into when received.
 
All incoming wires must match the account holders name and account number. Any incoming wires with account name or number not matching MMFCU account holders will be returned to the sender. 

The wiring instructions are the same for International Wires. MMFCU does not have a swift code, so if that is being requested, the wire may need to be routed through a larger financial institution such as US Bank, Wells Fargo, etc. and then onto MMFCU. 
 
For a printable pdf with these instructions click here. 
 

Q: Are there any special wiring instructions needed to receive a wire internationally?

The wiring instructions are the same for an international wires as they are for a domestic wires. Please see the above instructions or print the instructions here

 
 
 

Bill Pay

Q: What is Bill Pay?

Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make a payment and which account you want the payment to come from. It's safe, secure and easy to use. 

Q: Who can I pay with Bill Pay?

You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. Examples: utilities, cable, cell phone, credit cards, or individuals such as a landlord or a babysitter...just to name a few. 

Q: How do I enroll in Bill Pay?

It's easy, just log into Online Banking and click the "Bill Pay" widget. 

Q: How do I start using Bill Pay?

You start by entering a payee or company's billing information found on a bill, then enter payment amount and click the date you would like the payment to be made and click SUBMIT. 

Q: How are online payments delivered?

Payments are sent one of two ways- electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. Paper checks are mailed via the Postal Service.

Q: Is Bill Pay secure?

Paying bills online is one of the safest ways to pay bills. It helps guard against identity theft from lost or stolen checkbooks, bills and statements. You maintain tighter control of your accounts with real-time access to your payment activity. 

Q: How long does it take for a payment to be received?

When you are scheduling your payment date, you will see the available dates on the calendar that payments can be made. It is typically within 2 to 7 days. 

Q: When do funds come out of my account for bills?

Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date. If your payment is made by paper check, the funds will be withdrawn from your account when the payee deposits the check. 

Q: Can I pay bills same day?

Some larger companies accept same day payments. When scheduling your payment date, you will see if there is a same day option for that payee and any cost associated with the same day processing.

Q: Can I pay bills with my phone?

Mid Minnesota's Bill Pay system allows you more flexibility when and where you want to use it. You can access Bill Pay via a mobile device with the same access and abilities as using Bill Pay on your PC. 

Q: Do I need to download a new app to use Bill Pay from my phone?

No, you will access Bill Pay from Mid Minnesota's Online Banking Mobile App.
Q: Are there any payment limits when a payment is sent electronically?
Yes, there are limits on the amount you can send for an electronic payment to both a business and an individual. 

The following limits apply to payments being sent electronically to a business:
For individuals:
Daily limit - $7,000
Monthly limit - $20,000

For businesses:
Daily limit - $10,000
Monthly limit - $30,000

The following limits apply to payments being sent electronically to an individual:
Maximum limit daily of $1,000 per transaction
Daily limit - $2,000 

These are the monthly electronic payment thresholds. Once the sum of payments exceeds limit, the payment will automatically remit as a check. 
 
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