Frequently Asked Questions

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. See the below FAQ for how to find your account number.

In Office or Drive-up

Staff at your local branch will be able to order 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.

Locations

If you live, work, worship or attend school in the geographic areas listed below, or are an immediate family member of someone who lives, works, worships, or attends school in these areas, you are eligible for membership. Immediate family includes spouse, parent, step-parent, child, step-child, grandparents, grandchild, brother, step-brother, sister or step-sister.

Mid Minnesota Federal Credit Union serves all of Becker, Cass, Crow Wing, Douglas, Morrison, Norman, Otter Tail, Todd, and Wadena Counties as well as the cities of Aitkin, McGregor, and Palisade, in addition to various townships in Aitkin County. Aitkin County Townships eligible for membership are: Aitkin, Farm Island, Fleming, Glen, Hazelton, Jeven, Kimberly, Lakeside, Logan, Malmo, McGregor, Morrison, Nordland, Shamrock, Spencer, Turner, Wealthwood, and Workman Townships.

You can become a member if you meet any of the above guidelines. A simple $5 deposit will make you a member owner of MMFCU – allowing you to apply for any of our free and low-cost services.

Become a member

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 banking or the mobile app.

Setting 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 going to set up automatic payments to another financial institution or company. See the above FAQ for what your routing number is.

In Office or Drive-up

Visit your local branch, let them know that your address has changed, and they will verify some pieces of information before updating your address.

Locations

Over the phone

Call us at (218) 829-0371 to request your address be changed. Staff will verify a few pieces of personal information before updating your address.

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 an office, through the drive-up or request a change of address form over the phone.

If you are enrolled in Online Banking or the Mobile App and signed up for eDocuments, your tax documents will be provided conveniently and securely as digital document(s). You will receive an email notification when these are available. Starting in January 2025, a paper copy is not being mailed for an additional layer of security.

• If you are not signed up for eDocuments, we encourage you to sign up for them in Online Banking or the Mobile App for your convenience and security. Tax documents will be mailed to the address we have on file for you if you choose not to sign up for eDocuments.

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.

Open an Account

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.

Make a Loan Payment

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. You are also able to set up a direct pay in your local office.

Set Up Direct Pay

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 banking or the mobile app. 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.

In Office or Drive-Up

Make your payment with the tellers.

Locations

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 746

Brainerd, MN 56401

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).

Night Deposit Box

Use the night deposit box at your local branch.

Night Deposit Box

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 the MMFCU Mobile App on your mobile phone (it is under ‘Transfer & Pay’ when logged in to Online Banking). 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.

Make a Loan Payment in Online or Mobile Banking

You can even link an account at another Financial Institution in Online or Mobile Banking. Learn how.

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.

Make a Loan Payment

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. You are also able to set up a direct pay in your local office.

Set Up Direct Pay

In Office or Drive-Up

Request a cashier’s check from the teller line.

Locations

Over the Phone

Call us at (218) 829-0371 and request a 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.

(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.

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.

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.

It’s easy, just log into Online Banking at the top of this webpage and under the “Transfer & Pay” menu select 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.

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.

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.

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.

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.

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.

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.

Download the MMFCU Mobile App today from iTunes or Google Play.

No, you will access Bill Pay from Mid Minnesota’s Online Banking Mobile App.

Download the MMFCU Mobile App today from iTunes or Google Play.

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 the limit, the payment will automatically remit as a check

You have multiple options to pay your Credit Card bill from another financial institution, check with your other financial institution if they have a Bill Pay option that you will be able to use or call MMFCU (218) 829-0371 to set up an automatic payment. There is also an option to make a payment to your MMFCU Credit Card in Online Banking or the Mobile App. Learn more on how to set this up here.

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 for your debit card and 1-866-820-3862 for your credit card, after hours and on weekends. You can also use Online Banking and the Mobile App 24/7 to report your card as lost or stolen. You can even lock and unlock your card.

There are a few ways to report fraud or fraudulent charges on your debit or credit card.

If you notice fraudulent charges on your debit card you can:

Submit a dispute for the charge(s) that are fraudulent in Online Banking or the Mobile App. Instructions on how do this can be found here.

• Contact us at (218) 829-0371 during business hours.
• Stop into your local office.
• Call 1-866-820-8776, after hours or on weekends.

To report fraud on your credit card please:

• Contact us at (218) 829-0371 during business hours.
• Call 1-866-820-8776, after hours or on weekends.

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.

To reset your PIN on your credit card, please call 1-888-886-0083. You will need to have your credit card handy as well as answer a few security questions.

To receive a replacement debit card, you can contact us at (218) 829-0371, make an appointment with staff, or go in Online Banking or the Mobile App 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.

If your debit or credit card is lost, you can protect yourself by locking and unlocking your card in Online Banking or the Mobile App under “Accounts” and then “Credit and Debit Card.” By doing so you can temporarily block new transactions from going through. You can also order a replacement card, post a travel notice, manage other alerts and controls, and do a balance transfer.

Download MMFCU Mobile App from iTunes or Google Play.

You can also use the MMFCU Cards App to lock and unlock your card. Download the MMFCU Cards App today from iTunes or Google Play.

If you do not see your debit or credit card, please hit refresh. You may need to do this a few times in order to see all of your active debit and credit cards. If your debit card or Health Savings debit card do not have an image showing, but you see other information, you can still manage those cards even if the image isn’t showing.

After logging into MMFCU’s Online Banking or Mobile App, go to the “Accounts” menu and select “Credit and Debit Card.” Then move the arrow over the card image to “Manage” each card that you would like to set up travel notifications for. Click on “Travel Notices” and enter in your Start Date and End Date, select whether your travel will be domestic (within the United States) or international and then list the areas you will be traveling to, these can be specific cities (ex: Las Vegas) or states (Michigan, Wisconsin, Iowa). Once finished click ‘Save’. If you will be using multiple cards while on your travels, you have the option in a drop down when setting the travel notice on your first card to add it to other cards.

Please note, if you are going on one trip from say June 19-25 to Michigan and then will be back home for a few days, followed by another trip on June 30-July 5, you will need to do two separate Travel Notices for each trip.

If you see an old Travel Notice on your debit or credit card, do not worry. This will not cause any issues at the time. If you need to change or update your Travel Notice, click Edit on the right side and enter in your Start Date and End Date, select whether your travel will be domestic (within the United States) or international and then list the areas you will be traveling to, these can be specific cities (ex: Las Vegas) or states (Michigan, Wisconsin, Iowa). Once finished click Save.

If there are old travel dates on Mobile App, you will need to click on the dates and then you will get the option to ‘Edit’ or ‘Delete’. You can also delete old Travel Notices in Online Banking by selecting ‘Delete’ on the right-hand side.

To view your credit card statements in Online Banking or Mobile App, you will need to be subscribed to view them in eDocuments. After logging into MMFCU’s Online Banking or Mobile App, go to the “Accounts” menu and select “eDocuments.” This will bring you to the Overview area of “Statements and Notices.” In the “Subscription Settings” find “Credit Card Statements” and go to the right of that row and click on the gear icon. This will pop up a box where you can select to receive your credit card statement by paper (in the mail) or online (in Online Banking or the Mobile App). Once you have chosen which method you would like to receive your statements, click “Continue.” There will be another pop-up making sure that you want to receive your statements by that method. Once you are ready to continue click “Save.” It may take a few moments to process, but you will get a notification on your screen that it was now set up in your eDocuments.

Fraud alerts are automated phone calls, text messages and emails that are sent when potentially fraudulent purchase activity has been detected on a credit/debit card account. Messages are triggered by the Mid Minnesota Federal Credit Union (MMFCU) fraud detection system.

Text messages will be sent to cardholders in the 50 United States at no charge.

Customers with international telephone numbers will only receive emails. They will not receive text messages or phone calls.

Fraud alerts are sent to cardholders when potentially fraudulent transactions are detected on their accounts. We want to ensure that any questionable transactions were authorized by the cardholder.

If you are traveling within the US, you will receive phone calls, text messages and emails. You will only receive text messages if your mobile phone plan allows you to receive them while traveling outside of the United States.

You can update your contact information by updating your account profile in MMFCU’s Online Banking or Mobile App, by calling the number on the back of your card, or by visiting a branch.

1. You can opt out of text alerts by replying “STOP” to the text message.
2. You can opt out of phone calls when the alert system calls you.
3. Click on the Unsubscribe link in the email to stop the emails.
4. Contact our Call Center to ask to stop receiving fraud alerts.
5. Visit a branch to ask to stop receiving fraud alerts.

If you accidentally opted out of text alerts from a mobile phone, when the digital system calls to verify activity, the system will provide the opportunity to opt back into text alerts for the mobile phone. For all fraud alert types, please call the number on the back of your card to re-enable fraud alerts to an email address, a mobile phone or landline phone number. you can also visit a branch for assistance.

Fraud alerts are transmitted to the phone number(s) and/or email address associated with the card used at the time of the transaction. If a joint cardholder is receiving alerts it is because that cardholder’s phone number and/or email address is associated with the card transacting. If the fraud alerts should have gone to another cardholder on your account, we ask that you update the contact information for that cardholder.

Upon confirming that a transaction is valid, you may retry the transaction immediately.

When you mark a transaction as fraudulent, the response message you receive will include our fraud detection department’s toll-free number and it asks that you call to review the card activity, or you will receive a call from a fraud detection agent to review. The agent will be able to review the activity with you and clear the card for use.

Please report the unauthorized transaction immediately by calling the phone number provided in the alerts or the number on the back of your card. The agent will then take care of marking the transaction as fraud and close the card.

Please monitor your transactions regularly and review your statements very carefully and immediately report any fraudulent activity to us. Responsibility may depend on the type of card you have and should be verified with us immediately.

You may report unauthorized transactions to us in one of two ways:

1. Calling us at (218) 829-0371.
2. Mailing a written notification to: Mid Minnesota Federal Credit Union, PO Box 746, Brainerd, MN 56401.

Your card may be blocked for use and future transactions would be declined until the fraud alert is cleared.

You may call our Customer Service phone number on the back of the card.

If your card is lost or stolen, when you are issued a new number, your card account is automatically updated, and you automatically retain the ability to continue receiving fraud alerts.

Yes. Our priority is to protect your personal information. When you return a fraud alert message, we will ask for the unique case # (number) to your specific fraud alert.

No – they both describe a touch-free way to pay. “Tap to pay” refers to the consumer experience of buying something using a contactless-enabled card or mobile device (phone, watch, etc.). “Contactless payments” refers to the technology that’s built-in to the cards and terminals.

No, they do not have to physically tap the card to the terminal. However, their card should be close to the Contactless Symbol (within 2 inches).

The checkout terminal works best when the contactless card is flat over the Contactless Symbol, not at an angle.

They should hold their contactless card to the terminal for 1-2 seconds.

Yes. Here’s why:

• Each Visa contactless card carries the same trusted security as a Visa chip card.
• The one-time code generated every time a contactless card or device is used at an in-store contactless-enabled terminal protects your payment information, making it extremely effective in reducing counterfeit fraud.
• You can’t pay accidentally—your card or device must be within 1-2 inches of the terminal for the sale to take place. And you won’t be billed twice, even if you accidentally tap twice.

Visa contactless technology generates a one-time, transaction-specific code. Due to the nature of the code and additional fraud protection processes built into the Visa network, it is difficult to use skimmed cardholder information for fraudulent purchases. As a result, fraud from skimming is very unlikely and limited in scope. Your cardholders can also rest assured that Visa cards offer protection from any unauthorized use with Visa’s Zero Liability Policy.*

*Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

Digital investing means having the power to shape your financial future right at your fingertips. Because the InvestiFi digital investing platform is available within your Online Banking experience, it’s never been more accessible to secure your place in the markets. Whether you’re using a desktop, laptop, or mobile device, the user-friendly tools for trading the coins or securities of your choice are waiting for you.

No. The new investing portal is included as a benefit of membership for access to self-guided personal, online investments for MMFCU members. For the rest of your investing needs, please continue to work with our Mid Minnesota Investment and Retirement Services financial advisors.

InvestiFi Inc. has achieved SOC 2 Compliance, an enterprise-grade best practices standard for protecting customers’ data.

Measures taken to achieve this designation include:

• Network and application layer penetration tests performed by industry leading security firms
• Continuous security control monitoring using the highest possible standards
• Data encryption for in-transit--using TLS--and at rest
• Secure software development through a variety of manual and automatic data security and vulnerability
• Employee training for all staff on employing best practices when handling customer data

Digital Wallets securely store your credit and debit cards as digital versions on your mobile device. There are many different apps that you can use to house this information. Each app will help protect your security by not storing your card number or personal information.

Digital Wallets often provide enhanced security through information encryption, making them a safer form of payment.

No- it’s FREE. Simply set it up and start using it.

It’s simple. Load your eligible credit or debit card into the digital wallet mobile app of your choosing. To make things easier, if you have MMFCU’s Mobile App, you can ‘push’ your debit or credit card information into your digital wallet, saving time. Then use your phone to pay on the go, in app or online.

Watch this video to learn how.

You can use your digital wallet to pay wherever you see the contactless symbol at a store or merchant. Or use it when you shop online and have the option to select the digital wallet as your payment option when you check out. A digital wallet can also be used for some other services like ride shares, morning coffee or even food delivery services.

If there are changes to your card such as a different expiration date and/or CVV number, you will want to remove the card in your digital wallet (in the card details section for the card) and add it as a new card with the new information. If your billing address changes, you can update that information for your card in the Card Details Section.

our submission will be sent to our team to review and research. If our team has any questions, they will reach out by the phone number or email address you provided with the submission.

If your dispute was debit card fraud, please close your debit card to prevent any further fraud from occurring. To do this:

• Log into Online Banking or the Mobile App.
• Go to Accounts in the menu. Select Credit and Debit Card.
• Next click on the debit card that you submitted the dispute for.
• Select the gear icon for Replacement Options, then for your reason select either lost or stolen, click Continue.
• Follow the process to continue to close your debit card and request a replacement card.

If you do not close your debit card, MMFCU staff will close your debit card and reach out to you to see if you’d like a replacement card as the dispute is processed. However, doing it now, yourself, provides the greatest protection.

*If an MMFCU staff submitted your dispute for you, they closed your card.

Any forms or notifications will be sent to your email address that was included in the submission. Our staff may also call the phone number on the form if they have further questions.

A provisional credit may be given within 10 business days (20 business days if the suspected error occurred during the first 30 days from account opening). If the disputed transaction is a valid transaction, no money will be returned.

If you filed a dispute on a debit card or ATM card transaction, to protect you further, your card will be closed and no longer useable, and you will need to request a replacement card.

A replacement card can be requested:

• By calling us at (218) 829-0371 during business hours.
• By stopping into a branch where our staff will be able to print you a new card.
• Within Online Banking or the Mobile App.
• Log into Online Banking or the Mobile App.
• Go to Accounts in the menu. Select Credit and Debit Card.
• Next click on the debit card that you submitted the dispute for.
• Select the gear icon for Replacement Options, then for your reason select either lost or stolen, click Continue.
• Follow the process to continue to close your debit card and request a replacement card.

There are a few ways to report fraud or fraudulent charges on your debit or credit card.

If you notice fraudulent charges on your debit card you can:

Submit a dispute for the charge(s) that are fraudulent in Online Banking or the Mobile App. Instructions on how do this can be found here.

• Contact us at (218) 829-0371 during business hours.
• Stop into your local office.
• Call 1-866-820-8776, after hours or on weekends.

To report fraud on your credit card please:

• Contact us at (218) 829-0371 during business hours.
• Call 1-866-820-8776, after hours or on weekends.

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.

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.

We know that time is important to you, so by providing your cell phone number we can use a partnered software to pull public records and prefill as much information in your loan application as we can. Then all you have to do is review or edit it and add a few missing items.

For a loan application to be approved, a soft pull of your credit needs to take place. The last four digits of your social security number confirms that the credit pull is happening for the correct person. Allowing for faster loan approval and the opportunity for you to see other possible savings by refinancing existing loans with MMFCU.

You’re not alone.

When you apply for a mortgage through any financial institution or mortgage company, your lender will pull a credit report from the three major credit bureaus: TransUnion, Equifax and Experian. Under the Fair Credit Reporting Act, the credit bureaus can legally sell your contact information within 24 hours of your mortgage application to anyone who wants a list of people currently applying for mortgages. The collective contact information from applicants is often referred to as “trigger leads.” Please note Mid Minnesota Federal Credit Union never sells or shares your contact information.

The good news – you can opt out of being solicited!

The website www.OptOutPrescreen.com is the official Consumer Credit Reporting Industry website for consumers to opt-in or opt-out of offers for credit and insurance products. In addition, you may go to www.donotcall.gov and sign up for the Do Not Call Registry to protect against unwanted phone calls.

Start with getting pre-approved first. That way you know what price range you should be looking in. Most realtors don’t want to show a property unless you have a pre-approval letter.

Get pre-approved with our expert Mortgage Loan Officers by filling out an application today.

Don’t take out new debt for vehicles, credit cards or toys. Pay down any credit card balances to 30% of your limit. Save money so you’ve got funds in your savings in case there is a need for assets or reserves.

Determine a monthly payment that is comfortable for your budget. What you can be approved for and what you are comfortable with can be two different numbers. Then from there, determine the estimated purchase price you can afford based on your budget. We’ll discuss an estimated monthly payment in the current market using a rough estimate for property taxes and home insurance. The payment can fluctuate as the home insurance and property taxes can vary depending on home location. Most realtors will help with finding out how much utilities are for a property. Having at least 3 months of savings for “just in case” maintenance (think water heater going out) is a good rule of thumb.

When you get pre-approved, we will go over the different loans you qualify for and the pros and cons of each so you can make an informed decision.

There is a list of requirements the manufactured home must meet to be financed. Talk to your lender to make sure it meets the requirements and that there are no concerns. A modular home is considered to be like a traditional home.

You don’t have to use a realtor. However, they do put together the purchase agreement for you and work on your behalf. If you choose not to use a realtor, you’re responsible for putting together the purchase agreement on your own. If a home is listed by a realtor, you will need to work with a realtor to get you access to view the property.

Not necessarily. But, retirement and asset accounts can be helpful. Reserves (funds in an account) may be needed to show that you have money set aside for a certain time frame. Like 6 months worth of house payments, for example.

We pull from all three credit bureaus and take the median credit score. Minimum requirements are a 620 for Conventional/Federal Housing Administration (FHA) loans and 600 for Veterans Administration (VA) loans. USDA (United States Department of Agriculture) and Rural Development (RD) loans require a minimum of 640.

Not necessarily, unless you are looking to build on that property in the next few years.

Yes, there are programs and grants that can be applied for. Some are first come first serve once you have signed and accepted the purchase agreement, you can apply. They have income guidelines for approval which can differ based on the program or grant.

You will need the following documents:

1. Personal tax returns including all schedules, W2’s and 1099’s (if applicable) for the past 2 years.
2. 30 days most recent/consecutive paystubs (3-5 paystubs depending on how often you’re paid).
3. If you are self-employed, you’ll need your previous 2 years business returns (all pages)
4. You will also need to provide current profit and loss statement, signed and dated, along with 3 months bank statements for business account(s).
5. 2 months of bank statements for checking/savings and asset accounts. If you have MMFCU accounts, we are able to pull these for you.
6. For all properties owned, a copy of homeowner’s insurance declaration page, property tax statement, and mortgage statement.
7. Any retirement/Veterans Administration (VA) income will require an award letter or monthly statement if you receive it.

Minimum down payments start as low as 0% to 5% of the purchase price depending on the type of loan you’re doing. 20% isn’t the standard, but it allows you to avoid PMI.

Depending on the loan program, your income and in what county you are purchasing in, there may be options for no down payment. Otherwise, we have low down payment options that start as low as 3% of the home’s purchase price.

Yes, the United States Department of Agriculture (USDA) /Rural Development (RD) program allows for a $0 down payment if you meet the requirements. You may still need money to cover your closing costs.

If you escrow your house payment includes property taxes, home insurance and possibly private mortgage insurance (PMI). If you escrow, we pay property taxes and home insurance from your escrow account on your behalf. If you choose not to escrow, you have to pay them on your own. Depending on the type of financing you’re doing, you may have the option to either escrow or pay your own property taxes and home insurance.

Private mortgage insurance or PMI, is a typed of insurance that most mortgage lenders require when homebuyers put down less than 20% of the home’s purchase price. PMI is designed to protect the lender if the homeowner defaults on the loan. Your mortgage loan servicer must automatically terminate PMI on the date when your principal balance is scheduled to reach 78% of the original value of your home.

Earnest money, sometimes called a “good faith deposit,” is a sum of money that is included with your offer to purchase a home. The purpose of earnest money is to tell the seller that you’re serious about purchasing the home.

Not necessarily. It depends on the type of job you have and how far your job is from the home. If you’re job allows you to work remotely, there should be no concerns.

It could. Especially if income goes down from what you were previously making. Generally, we need to show two years of employment history.

No, you just need to show a two-year consecutive work history. If there is a gap in employment, an explanation as to why there was a gap is needed.

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.

Request an Appointment

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

To report a debit or credit card lost or stolen, or that there has been fraudulent activity after hours, please call 1-866-820-8776, 24/7 and they will be able to help you.

To access your account online, you must register for online banking or the mobile app.

In general, Online Banking and Mobile App supports the latest two versions of supported browsers and computing platforms. For more information check below.

Online Banking

Google Chrome: Latest 2 Versions

Firefox: Latest 2 Versions

Microsoft Edge: Latest 2 Versions

Safari: Last 2 Major Versions, or 1 Major Version if over 1 year old

iOS: iOS and iPadOS 17 or higher

Android v12.0 and above

Mac Operating System macOS: 26(Tahoe), 15(Sequoia) or 14 (Sonoma).

Windows Operating System: Windows 11.

Mobile App

Supported versions of the Mobile App are defined as the current version back through the previous major version, including minor and patch versions.

For example, if the current app version is 4014.0.0 the supported versions are:

4014.0.0 (current version)

4013.2.0

4013.1.0

4013.0.0 (last major version)

Our Online Banking and Mobile App supports Microsoft Windows and Apple macOS computing platforms as well as Android and iOS mobile platforms. You can use the Mobile App on platforms with current and supported OS versions, as described in the tables above. End users without a supported device and OS version can access Online Banking through their browser. To help keep your information secure and provide the latest features and fixes, Our Online Banking and Mobile App follows platform and security best practices. Online Banking and Mobile App do not support operating systems, apps, or third-party components that don’t receive full security updates or ongoing maintenance.

Please note:

Browser Support Alert:

A dialog automatically opens if the end user is attempting to access Online Banking or the mobile app through an unsupported browser. This Browser Support Alert accommodates multiple browser versions and doesn’t alert end users based on earlier lists of official supported browsers. The supported browser alert logic is more lenient than the official supported browser list because:

• Some browsers release a new version every other month. Online Banking acknowledges that some end users might not automatically update their browsers every month and don’t want to be alerted every time they log in. As a compromise, the unsupported browser alert only appears for end users who have not updated their browsers in over three months.
• The alert is meant to warn end users using an unsafe or completely unsupported browser. Although Online Banking doesn’t test against unsupported versions, the application functions properly for 99% of end users who have updated their browsers in the last 18 months.

Multi-Factor Authentication (MFA) adds an extra layer of security to your online accounts by requiring two or more forms of verification before granting access.

It is important because it adds security protection beyond just a password. Even if someone obtains your password, they will still need the second factor to gain access.

MMFCU Online Banking and Mobile App has enabled and may require MFA verification codes through your mobile phone for various types of transactions reducing the risk of unauthorized access to your accounts.

To begin, we suggest that you verify your mobile phone number listed in your “Contact” information in Online Banking or Mobile App.

– While on a PC or using a browser (setting up MFA is not available in the Mobile App currently):

1. Go to “Settings.”
2. Then “Contact” and verify your mobile phone number is listed.

– To set up Two-Factor Authentication while in the “Settings” screen:

1. Click “Security” tab.
2. Then toggle “Two Factor Authentication” button to show blue.

– To set as a preferred Authentication Method:

1. Edit contact settings, where you will confirm your phone number.
2. Click the pencil to the right of your mobile number and check “I would like to receive SMS Text Messages.”
3. Click “Save.”

– You will receive a verification code to your mobile number to enter.

There are a few options on how to receive verification codes to log into, change or add information in Online Banking and/or the Mobile App. You can choose:

• SMS, which will send a text message to you with the verification code.
• 2FA, which will require an authenticator app, like Google Authenticator to be used.
• Call, where an automated voice will call and give you the verification code.

For SMS, you should receive the text from 67669.

For Call, you should receive the call from (580) 448-9159.

If you have unknown callers or unknown message numbers blocked, you may need to add the number as a contact to your phone in order to receive.

Once you are logged into your Online Banking, click on Settings in the banner at the top right of the screen.

Once you are on the Settings screen, click Accounts.

On the Accounts screen locate the account that you would like to hide. Once you have found the account, click on the pencil icon to open the details for the account. Check the box for Hide This Account and choose Save.

If you decide in the future that you would like to see the account again, navigate back to the Account details for that account and uncheck the box for Hide This Account.

Once you have logged into the Mobil App, click on More from the menu at the bottom of the screen.

On the next screen under Utilities, select Settings.

On the Accounts screen, locate the account that you would like to hide. Click on the arrow on the right-hand side to open the details for the account. Slide the radial button to ‘On’ for Hide This Account and choose Save at the top of the screen.

In the future, if you decide that you would like to see the account again, navigate back to the Account details for that account and slide the radial button to ‘Off’ for Hide This Account.

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).

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 eDocuments. Once you sign up for eDocuments, you will receive all notices electronically for statements, tax forms, late notices, etc.

eDocuments Sign Up

If you are looking to do a stop payment, there are multiple ways to do so:

• Over the phone at (218) 829-0371
• In-person at your local office
• In Online Banking

Log into online banking. In the navigation bar at the top hover over Transfer & Pay and select Draft Services. There will be two tabs in the top center of the page, make sure the Stop Payment tab is clicked. Then click the green New Stop Pay Request button to the right.

In the top drop down, select the account that the check was written off of. In the second box, put your full check number, this is located in the upper right corner of your checks and should be located on the carbon copy (if you don’t have a carbon copy, please look at your check register for the check number). If you have one check, you will just enter your number in the box. Enter the exact amount of the check.

If you have a range of checks that need to be stopped, you will put the 1^st check you would like to stop (lowest number), then click the range box and enter the last check you would like to stop (largest number). In the Amount field, enter the exact amount (total) of the range of checks.

You are also able to search to see if the check you want to stop has cleared by searching matching transactions. In the Payee Name enter the name on the first check that you paid. Read the Stop Payment Policy, before clicking the “I agree” check box and submitting the request.

**You will be charged $25 service fee per each stop payment.

To limit the storage of personal data, transactions for both member and business accounts will be available going back 24 months for all members.

You may retain transaction history on your accounts by downloading from online banking or a history of all account statements is available in eDocuments in Online Banking or the Mobile App.

For Example:

As of April 1, 2022 I will see transactions dating back to: April 1, 2020

As of March 1, 2022 I will see transactions dating back to: March 1, 2020

As of February 15, 2022 I will see transactions dating back to: February 15, 2020

After logging into MMFCU’s Online Banking or Mobile App, go to the “Accounts” menu and select “Credit and Debit Card.” Then move the arrow over the card image to “Manage” each card that you would like to set up travel notifications for. Click on “Travel Notices” and enter in your Start Date and End Date, select whether your travel will be domestic (within the United States) or international and then list the areas you will be traveling to, these can be specific cities (ex: Las Vegas) or states (Michigan, Wisconsin, Iowa). Once finished click ‘Save’. If you will be using multiple cards while on your travels, you have the option in a drop down when setting the travel notice on your first card to add it to other cards.

Please note, if you are going on one trip from say June 19-25 to Michigan and then will be back home for a few days, followed by another trip on June 30-July 5, you will need to do two separate Travel Notices for each trip.

If you see an old Travel Notice on your debit or credit card, do not worry. This will not cause any issues at the time. If you need to change or update your Travel Notice, click Edit on the right side and enter in your Start Date and End Date, select whether your travel will be domestic (within the United States) or international and then list the areas you will be traveling to, these can be specific cities (ex: Las Vegas) or states (Michigan, Wisconsin, Iowa). Once finished click Save.

If there are old travel dates on Mobile App, you will need to click on the dates and then you will get the option to ‘Edit’ or ‘Delete’. You can also delete old Travel Notices in Online Banking by selecting ‘Delete’ on the right-hand side.

To view your credit card statements in Online Banking or Mobile App, you will need to be subscribed to view them in eDocuments. After logging into MMFCU’s Online Banking or Mobile App, go to the “Accounts” menu and select “eDocuments.” This will bring you to the Overview area of “Statements and Notices.” In the “Subscription Settings” find “Credit Card Statements” and go to the right of that row and click on the gear icon. This will pop up a box where you can select to receive your credit card statement by paper (in the mail) or online (in Online Banking or the Mobile App). Once you have chosen which method you would like to receive your statements, click “Continue.” There will be another pop-up making sure that you want to receive your statements by that method. Once you are ready to continue click “Save.” It may take a few moments to process, but you will get a notification on your screen that it was now set up in your eDocuments.

You will need to subscribe to receiving your credit card statement in the eDocuments area of Online Banking and Mobile App. See ‘How do I view my statements for my credit card in Online Banking or Mobile App?’

You have multiple options to pay your Credit Card bill from another financial institution, check with your other financial institution if they have a Bill Pay option that you will be able to use or call MMFCU (218) 829-0371 to set up an automatic payment. There is also an option to make a payment to your MMFCU Credit Card in Online Banking or the Mobile App. Learn more on how to set this up here.

If you are not receiving text messages with Online Banking or Mobile App verification codes or alerts that you have set up, you may have opted out of receiving those messages. If you believe this may have happened text the word “start” to number 67669 to opt back in to receive messages.

You may have blocked the number 67669 and will not receive those messages. Unblocking the number should allow messages and alerts to be seen again.

Yes. You can set up an external account within Online Banking or the Mobile App with a few easy steps. This account can then be used to transfer funds from your other financial institution to MMFCU for a loan payment or a deposit to an MMFCU account.

How to Link an External Account in Online Banking or the Mobile App Tutorial Video

• Log into MMFCU’s Online Banking or Mobile App.
• From the Navigation select ‘Accounts.’
• Next choose ‘Add an External Account.’
• Click ‘Add Account,’ from the slider on the right click on ‘Add an External Account.’
• A Terms and Conditions screen will pop up. Please read through and click ‘Agree and continue.’
• Next click on the image/logo for your other financial institution. If it is not displayed use the search bar above.
• You will then need to enter your username and password for that financial institution’s Online or Mobile Banking. Click ‘Submit.’
• On the next screen you will be able to choose which accounts you would like to link to your MMFCU Online Banking or Mobile App. Click ‘Save & Finish.’

As long as everything is correct, your name matches on both accounts and is verified, you will get a Success message. It may take a few seconds for the account to show under your accounts in the transfer screen. Once you see the account you can now transfer funds from this financial institution to your MMFCU accounts or loans.

You will need your Online or Mobile Banking log in information for your other financial institution, along with which accounts you would like to link.

Some financial institutions do not allow for an external account to be linked to another financial institutions Online Banking or the Mobile App. In this case, until they do allow it, there are other ways to make a loan payment or transfer funds to a deposit account.

To make a loan payment:

1. Write a check and mail it to PO Box 746, Brainerd, MN 56401.
2. Make a loan payment at your local MMFCU office or Shared Branch.
3. Set up an automatic payment using a Direct Pay Form.
4. Make a payment using your debit card, checking or savings account from another financial institution using our Guest User log in.

You can find instructions to request deletion of your digital banking information from Online Banking or Mobile App. You can find instructions on how to request the deletion here.

Your external account can be used instantly since the process validates and verifies your account at your other financial institution. It should only take seconds for you to be able to use your external account for transfers to your MMFCU savings, checking or loan accounts.

Setting up your external account is a secure way to verify your account ownership and identity because it’s encrypted and requires the account owner’s consent and authentication.

You’ll need to endorse the back of your check before you deposit it through Remote Deposit in the Mobile App. You’ll need to do the following:

1. Write ‘For Mobile Deposit’ or check the “For Mobile Deposit Only” box on the back of the check.
2. Write your MMFCU Account Number, Member Number or ‘For MMFCU’

Learn how to use Remote Deposit

Some of the typical reasons checks are not accepted with Remote Deposit are:

1. Missing one of the endorsements noted above.
2. Depositing a check made payable to two people, but the account is only for one of those individuals.
3. Check is made out to someone other than who is on the account.
4. The check is made payable to a business, yet the account selected for deposit is a personal account.
5. The check amount entered in the Remote Deposit form is a different amount than on the check.
6. The check needs to have a darker background for the image to work.

Yes. You will receive a message in Online Banking notifying you that your check was not accepted and the reason.

Remote Deposit is in real-time. That means your funds should be deposited within minutes, if not, seconds of submission. If your deposit is being held for review there may be a delay while our system/staff review the deposit for acceptance.

SavvyMoney® pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

No, MMFCU uses its own lending criteria for making loans.

Yes, SavvyMoney® will share your credit score with MMFCU to help you and MMFCU understand your credit health, how to make improvements to your score and ways you can save money on your loans with MMFCU.

However, during the loan process MMFCU uses its own lending criteria for making loans.

SavvyMoney® Credit Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with MMFCU.

If you would like to opt out of the Monitor Your Credit Score tool, please use the directions below. Unfortunately the tool cannot be hidden at this time.

On a PC or Desktop:

1. Go into the Monitor Your Credit Score tool and click “Show Full Report”
2. Click the Resources tab in the upper left corner
3. Click on “View Now” button in Profile Settings
4. Then navigate to the bottom of the page and click “Deactivate Credit Score Account” button
5. Last step is to click YES

On a Mobile Phone:

1. Click the “More” icon in the bottom right corner of the screen
2. Go to “Financial Tools” and click “Credit Score and Report”
3. Click the Resources tab in the upper left corner
4. Navigate down the page and click on the “View Now” button in Profile Settings
5. Navigate to the bottom of the page and click “Deactivate Credit Score Account” button
6. Last step is to click YES

Shared Branching allows MMFCU members the ability to transact at any Co-op connected shared branch credit unions across the nation as if they were at their local MMFCU branch. There are extra security steps to be able to utilize this service, like IDCheck when you are out-of-state, but it gives you the freedom to bank at over 5,600 shared branches.

Make deposits and withdrawals, make loan payments, receive loan advances and even access Visa funds. Many shared branches also offer transfers, statement histories, money orders and notary services. Since services vary from one location to another, check with individual branches before your visit for a complete menu of available services and any fees associated with that service.

There are no fees for basic services such as deposits, transfers and withdrawals. Please call ahead to the shared branch you will be using for additional services and any fees associated with that service.

That depends on your Credit Union’s check hold policies. MMFCU recommends that you check with your Credit Union to determine whether or not you will be able to cash your check through Shared Branching.

There are a few ways to find a Shared Branch near you:

1. Go to co-opcreditunions.org/ and click on the ‘Find an ATM or Branch’ button int he upper right corner. You can then search for ATMs or Shared Branches near you by using zip codes, address, city or state.
2. Download the Co-op ATM and Shared Branch Locator App to your phone. iPhone or Android.
3. Text a zip code to 91989 to find a nearby ATM and Shared Branch Locations. (SB = Shared Branch, SBX = Shared Branch Express).

By using a Coop ATM, you will not be charged a surcharge fee, unlike using other ATMs.

IDCheck is a new tool designed to enhance security and streamline identity verification for Shared Branching transactions when visiting another state. This helps credit unions combat fraud and secure members accounts by validating members identities more effectively.

Starting May 1, 2025, Shared Branching users that utilize services at credit unions in another state must upload their state-issued driver’s license or ID into the IDCheck application before visiting and transacting at a Shared Branch location.

To get set up for a hassle-free experience, you’ll need to visit the Co-op site for IDCheck.

Setup Steps:

1. Enter your Credit Union’s name or choose from the dropdown list.
2. Enter your Member Number and the last 4 digits of your Social Security Number.
3. Upload a photo of the front of your government issued ID. (Your ID is securely stored and can be reused for future transactions.)
4. Upload a photo of the back of your government issued ID. (Your ID is securely stored and can be reused for future transactions.)
5. Take a selfie for identity verification. (Your selfie is also stored securely for future use.)
6. Receive a unique verification code. The code is valid for 20 minutes.
7. Present this verification code to the Teller to proceed with your transaction as normal.

If you are unable to receive a verification code, the transaction can still be processed. The Teller or staff member may use alternative methods to verify your identity to complete your transaction.

No, Skip-A-Payment is a convenient, self-serve option offered securely within our Online Banking and Mobile App. MMFCU is happy to discuss the program with you and answer any questions.

If applicable, the terms of any credit union benefits or GAP coverage on loans may be affected by skipping payments. If you purchase GAP through another party, contact your provider or refer to your credit insurance or GAP policy for coverage exclusions or more information on how participating in a Skip-A-Payment program may affect you.

If you have eligible loans you will see them available to skip within Online Banking or the Mobile App. You must be in good standing with the credit union and current (not including any grace period) on all MMFCU obligations at the time the payment is skipped.

There is no limit to the number of eligible loans you may request Skip-A-Payment on.

You will need to adjust your autopayment to reflect the months you are skipping, by pausing your electronic payment from that account or the other financial institution.

If you need help pausing your automatic payment from an MMFCU account call or text us at (218) 829-0371 or stop by your local MMFCU office. For automatic payments from another financial institution, you will want to reach out to them to pause your payment(s).

No. If you make your payment(s) automatically using MMFCU Online Banking transfer or bill payment service, or bill pay from another financial institution, it is your responsibility to cancel/postpone your payment(s) and then re-establish them yourself after the skipped month(s). If you use the online external loan payment service, you will need to stop any incoming payments for your skipped month(s) as well. Please check your loan's payment method carefully and ask us if you have questions at (218) 829-0371.

Now is a great time to enroll in Online Banking. It's free and gives you access to a wide range of account functionality like transfers and bill pay.

Loans not eligible for skip a payments include: loans with terms above 180 months, first mortgage loans, modified loans, home equity loans, student loans, commercial/business loans, lines of credit, HELOCs (Home Equity Lines of Credit), VISA cards, any other loans not in good standing or delinquent.

You will find your eligible loans when you are in Online Banking or the Mobile App under Skip-A-Payment.

Mid Minnesota uses text as a way to keep you informed of your account(s) and services. You can set-up text message alerts on your accounts within Online Banking and the Mobile App in the “Alerts” widget. This tool allows you to be notified for a variety of reasons including when a deposit or withdrawal occurs, if your account reaches a specific balance, as well as indicate if you want the alerts sent to you via text or email. Mid Minnesota will also text you if there is a service disruption, like an office closed for an extended period of time, or if you need to contact us for a specific question or concern about your account. Text messages from Mid Minnesota Federal Credit Union could come from the three following 5-digit numbers: 21454, 26499, 49447, 67669 or 483-74 or the following 10-digit numbers: (218) 607-9646 or (866) 597-2025.

In Online Banking or the Mobile App, if you choose to receive your Multi-Factor Authentication verification code by voice call, the phone number is (580) 448-9159.

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.

Wire Instructions

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