Skip to main content
Online Banking

Mobile Banking User Guide

Mobile Banking is a great way to monitor your accounts, process transactions and communicate with Consumers Credit Union while on the go from your mobile phone. Within CCU’s mobile app, you can check your balances, view account history, transfer funds to share accounts or loans, use our free Bill Pay service and even make check deposits simply by taking a picture.

To use CCU’s mobile application, download the Consumers Credit Union app on your Android or iPhone device. Once you have a User ID and Password for Online Banking, you can log into your account on the app using those credentials.

Once logged in, the Main Menu will be displayed. From the Main Menu, select the option that fits your needs.

Screen Capture showing mobile menu options

Main Menu Options

Accounts - View Accounts and history of transactions.

Transfers - Process and Schedule Transfers for Immediate, One Time Future-Dated or Recurring.

Scheduled Transfers - View/Edit Scheduled Transfers.

Mobile Check Deposit - Deposit a check into your CCU account by taking a picture of the check through this option.

Budgeting - View monthly Expenses and Income Totals.

Messages - Send and receive secure messages regarding your account.

Pay Bills - Schedule and manage your Bill Payments.

Manage Profile - Make changes to your Online Banking User Profile. These changes include your User ID, Password or Security Information.

eXpressPay - Make a payment to a CCU loan or Visa Credit Card with an external Financial Institution’s Routing Number and Account Number or Visa/Mastercard Debit Card for a small processing fee.

eDocuments - Access your last 18 months of statements and notices from CCU.

Direct Deposit - View all of your Account Numbers and CCU’s Routing Number

Contact Us - Call us directly, Send a Secure Message, Video Chat a representative or view our mailing address.

Open a New Account - You will be directed to our online application form. You have the option to apply for Checking and Savings Accounts, Loans, Credit Cards or a Certificates of Deposit.

Accounts

To view your Deposit and Loan Account’s balances and activity, select Accounts from the Main Menu.

Mobile Menu Showing Accounts highlighted

Your Current and Available Balances will be displayed for each Deposit Account shown. Your Current Balances, Payment Amount and Due Date are displayed under each Loan Account in black text. To access your CCU Visa Credit Card, select the gray arrow to the right of the Visa information or the Credit Card link. Your Rewards Update for your Free Rewards Checking Account can also be found on this screen.

Screen Capture shows Rewards Update highlighted area.

To access the Account you would like to view, select the gray arrow to the right of the Account type.

Screen Capture shows Membership Savings area highlighted in Deposits menu.

You can view your transaction history by month. Choose the month’s transactions you would like to view in the dropdown.

Screen Capture shows Dropdown arrow in Account Details menu.

Transactions processed during the month chosen will be displayed.

Screen Capture shows Transactions menu in Account Details.

When done viewing the transactions, select the back arrow to return to the Accounts screen and again to return to the Main Menu.

Screen Capture shows Accounts Back button arrow.

Transfers

To process or schedule a Transfer, go to the Main Menu -> Transfers

Transfers

You can make an Immediate Transfer, schedule a Future-Dated (One Time) Transfer or schedule Recurring transfers by changing the Scheduling Option.

Screen Capture shows Transfer Options

To make a transfer for immediate processing, choose your From Account in the dropdown, To Account in the dropdown, Amount, Scheduling Option- Immediate and Description, if desired. Submit.

Screen Capture shows Transfer Details

Once submitted, you will be prompted to review your transfer. Review your From and To Accounts, the Amount and the Scheduling Option. If you would like to edit any of the information, select Edit and you will re-directed to the previous page to make your changes.

Screen Capture shows Transfer Review

Once confirmed, you will receive a message stating “Your transfer has been successfully submitted” and a confirmation number will be given.

Screen Capture shows Transfer Confirmation message and number.

To schedule a transfer for Future Dated One-Time processing, follow these steps, Main Menu -> Transfers.

Screen capture showing main navigation and transfers highlighted

Choose your From Account in the dropdown, To Account in the dropdown, Amount, Scheduling Option- Future Dated, Transfer Date (the date you would like the transfer completed) and Description, if desired. You can also elect to receive an alert when your transfer is completed. By checking the box, you will receive an email to the email address on file with CCU when the transfer is processed. Submit.

Screen Capture shows transfer information to complete.

Once submitted, you will be prompted to review your transfer. Review your From and To Accounts, the Amount, the Scheduling Option and the date chosen. If you would like to edit any of the information, select Edit and you will re-directed to the previous page to make your changes. If you would like to cancel the transfer, select Cancel. If you would like to proceed with this Future Dated Transfer, select Confirm.

Screen capture shows transfer details to be reviewed

Once confirmed, you will receive a message stating "Your transfer has been successfully scheduled" and a confirmation number will be given.

Screen Capture shows successful transfer message.

To schedule a Recurring transfer, follow these steps, go to Main Menu -> Transfers.

Screen capture showing main navigation and transfers highlighted

Choose your From Account in the dropdown, To Account in the dropdown, Amount, Scheduling Option- Recurring, Transfer Date (the date you would like the first transfer completed), Frequency (how often) and Description, if desired. When selecting the Frequency, also choose the end date, no end date or the number of transfers you want to occur. You can also elect to receive an alert when your transfer is completed. By checking the box, you will receive an email to the email address on file with CCU when the transfer is processed. Submit.

Screen Capture shows Transfer Options to complete.

Once submitted, you will be prompted to review your transfer. Review your From and To Accounts, the Amount, the Scheduling Option, the date chosen and the Frequency. If you would like to edit any of the information, select Edit and you will re-directed to the previous page to make your changes. If you would like to cancel the transfer, select Cancel. If you would like to proceed with this Recurring Transfer, select Confirm.

Screen Capture shows Transfer Review message.

If you select Confirm, you will receive a message stating “Your transfer has been successfully scheduled” and a confirmation number will be given.

Screen Capture shows successful transfer message.

Scheduled Transfers

To view, edit or cancel your Scheduled Transfers, go to the Main Menu -> Scheduled Transfers.

Scheduled Transfers

To view or edit the scheduled transfer, click on the transfer details.

Screen Capture shows area to review or edit the transfer.

Update the information you wish to change for this transfer. Submit.

Screen Capture shows area to update the information you wish to change for this transfer

Confirm your changes.

Screen Capture shows transfer details and Confirm button highlighted.

Once confirmed, you will receive a notice stating the transfer has been successfully changed and the changes shown in Scheduled Transfers.

Screen Capture shows a notice stating the transfer has been successfully changed

To change the From or To Accounts, please delete the scheduled transfer and submit a new request. To delete a Scheduled Transfer, select the red X to the right of the transaction.

To change the From or To Accounts, please delete the scheduled transfer and submit a new request. To delete a Scheduled Transfer, select the red X to the right of the transaction.

An alert will be prompted asking if you are sure you want to delete the transfer. Select OK to delete.

Screen Capture shows prompt to delete transfer.

Once confirmed, you will receive an alert stating your transfer was successfully deleted.

Screen Capture shows alert stating your transfer was successfully deleted.

Mobile Check Deposit

Mobile Check Deposit is a service that CCU offers to qualifying Members that allows you to deposit a check into your CCU share accounts using your smartphone via CCU’s mobile application.

The qualifications to use Mobile Check Deposit are:

  • The Member must be over 18 years old.
  • The Member must have accepted the eDocument Disclosure.
  • The Member must have a minimum credit score of 500.

If your account has already been qualified for this service, you will see the Mobile Check Deposit option listed on the Main Menu. If you do not see this option on the Main Menu and your account meets the qualifications listed, please contact CCU at 877-275-2228.

When ready to make a Mobile Check Deposit, select Deposit a Check from the Main Menu.

Screen Capture of Mobile Menu with Deposit a check highlighted

Select the Share Account you would like the check to be deposited to. Enter the amount of the check. The daily limit for Mobile Check Deposit deposits is 5 checks or $5000.00, whichever limit is met first. Once the amount is entered, select the black link “Click Here to Take Picture” under Front of Check Image. Ensure the image is clear and there are no shadows covering the check. The quality of the image can be improved by propping the check up against a dark background and taking the picture standing in front of the check, rather than directly over it. Hold your hand steady when taking the picture and align the check to fit in the green outline. When you are satisfied with the quality of the picture of the front of the check, select the black link “Click Here to Take Picture” under Back of Check Image. The check must be endorsed on the back to be accepted.

Once you are satisfied with both images, select Make Deposit.

Screen capture showing the review of the front and back of the checks and the details of the deposit

Once your image has been accepted, you will see the following message. A transaction ID will be displayed as well as what to do with the check that has been deposited. Once processed, write in pencil, "deposited via mobile" and the date of deposit. Store the check in a secure location for at least 30 days. Verify the deposit and destroy the check.

Screen capture showing the confirmation of the check being deposited

Your deposit will be sent to CCU for review and processing. All items are reviewed and are subject to CCU’s Funds Availability Policy. Deposits made during non-business hours will be posted the following business day. You will receive a series of three emails once your Mobile Check Deposit has been processed. The email will be sent to the email address we have on file for you.

If your image was not accepted, you will receive a message stating there was an error and to retake the picture of the front and back of the check.

Screen capture showing an error with mobile check deposit images

If this error occurs, verify the lighting for the image, make sure the check is endorsed and that you have not previously deposited this check via Mobile Check Deposit. Then attempt to process the Mobile Check Deposit again. If these errors continue, contact CCU for assistance.

Budgeting

The Budgeting tool can be used to help you see an overview of your monthly Expenses and Incomes. This tool is best utilized by accessing the service though the desktop site first. Within the desktop version of www.myconsumers.org, you are able to assign categories to each transaction type. Once the categories are assigned, you can view your expenses and income, per category.

To view the Budgeting tool, go to the Main Menu and select Budgeting.

Screen capture shows Budgeting tool under Main Menu.

Initially, you will see an overview of the current month. Select the month to view in the dropdown. Once you have selected the month to view, you can expand Expenses or Income to view more information.

Screen capture shows Budgeting Options to view

When expanded, you will see the amounts spent for the transactions that have been assigned to each category. Click on the category to view the transactions accounted for.

Screen capture shows transactions that have been assigned to each category.

In this example, during the month of December, three transactions were categorized as Groceries. To assign more transactions to the Groceries category, log into the desktop version of your online banking.

Screen capture shows assigned transactions.

Any transaction type that has not been assigned to a category will be displayed in the Expenses column as Uncategorized.

Screen capture shows uncategorized transactions.

 

To assign these transactions to a particular category, log into the desktop version of your online banking.

Messages

If you have questions regarding your account, a specific transaction or would like more information on a product, you can send your inquiry to CCU staff in a secure message. A CCU representative will reply to your inquiry within 24 business hours. To contact us with a question or concern regarding your account(s) via secure message, select Messages from the Main Menu.

Screen Capture of main navigation showing messages highlighted

Then select New Message.

Screen capture shows select New Message.

Complete the following fields:

Subject - Briefly state what you are inquiring about.Category - Is your inquiry in regards to a specific transaction or a general inquiry?

Account (if applicable) - In this dropdown, all of your share and loan accounts with CCU are listed. If your inquiry is directly related to one of these accounts, select that account.

Body - This is where you will type your inquiry, question or concern. Please include as much information as you have. Being as detailed as possible will assist the representative replying to your inquiry to assure they are answering all of your questions and addressing all issues. Rest assured, you can always reply to a response to provide more information if needed at a later time.

You can elect to receive a notification when the response to your inquiry has been sent back to your online banking. This notification will be sent to the email address that is on file with CCU.

Send.

Screen capture shows sections that need to be filled in for the new message

Once your Secure Message has been sent successfully, you will receive a confirmation message.

Screen capture shows confirmation message.

Your inquiry will be responded to by the end of the next business day.

If you elected to receive a notification once your inquiry has been answered, you will receive an email from Consumers Credit Union with the subject description "You have received a response to a secure message".

Screen capture shows you have a response from Consumers Credit Union

To view the response, log into your online banking via your CCU mobile app -> Main Menu -> Messages.

Screen Capture of main navigation showing messages highlighted

Click on the message that states Unread: 1

Screen capture shows area to click on the message that states Unread: 1

Review your response. If you have more questions or if more information was requested from the representative assisting, you can reply to the response by selecting the blue Reply button at the bottom of the message.

Screen capture shows message details and reply button.

If you are satisfied with the response and no longer want to retain the message in your online banking profile, select the white back arrow to the left of Message Details and then select the red X to the right of the message.

Screen Capture shows Message Details back arrow button.

Screen capture shows x to delete message

When selecting to delete the message thread, you will receive an alert asking if you are sure you want to delete. Select OK to delete.

Screen Capture shows prompt confirming it is ok to delete.

A thread deleted alert will appear confirming deletion.

Screen capture shows thread successfully deleted confirmation message.

Non archived/deleted threads are able to be viewed at any time by selecting Main Menu -> Messages.

Pay Bills

Members can use CCU’s Free Bill Pay service right from their mobile app. Options include adding/managing a contact, sending a contact money and viewing/editing payments. To access your Bill Pay, select Pay Bills from the Main Menu.

Screen capture showing mobile menu with Pay Bills highlighted

The options displayed in Pay Bills are:

  • Send Money - Schedule a payment to be sent to a contact (new or existing)
  • Manage Contacts - Add a new contact or set up an existing contact on auto pay
  • Payment Activity - View recent payment activity
  • To Do - Reminders set for payments
Screen capture shows Bill Pay button options.

To create a contact, select Pay Bills -> Manage Contacts

Screen capture shows Manage Contact option.

Select + Add New Contact

Screen capture shows plus button to add new contact.

Enter the name of the company or the person you would like to create the contact for. Next.

Screen capture shows area to input contact name.

Select if you would like the contact added as a Company or as a Person.

Screen capture shows option to add contact as a company or a person.

Enter a nickname for the contact (optional). Next.

Screen capture shows option to add nickname to contact.

Enter the contact’s address and phone number. Next.

Screen capture shows address fields for recipient.

You will receive a message stating that your new contact was added. Select Pay to send the contact a payment or Done to return to the Main Menu.

Screen capture shows new contact added

Your new contact can be viewed/edited by going to Pay Bills -> Manage Contacts

Screen capture shows option to manage contacts.

To delete a contact, log into the desktop version of your online banking. Click on the contact to delete and select "Remove contact’s name".

To send money to a contact, select Pay Bills -> Send Money

Screen capture highlights button to send money.

Choose Select your contact.

Screen capture shows area to select contact.

To send money to an existing contact, select the gray arrow to the right of the contact. To send money to a new contact, select Add New Contact.

Screen capture shows plus button to add new contact.

Enter the Amount to Pay and the Deliver By Date.

Screen capture shows where to enter the Amount to Pay and the Deliver By Date.

Once the date is chosen, select a delivery option (paper check or electronic) to continue.

Screen capture shows how to select delivery option.

Select Review to see an overview of the transaction.

Screen capture shows button to review options.

Select Pay to schedule the payment. To edit the payment, select Edit.

Screen capture shows pay button to schedule payment

You will receive a confirmation number and message that your payment has been scheduled. Select Done or Add Auto Pay to set up Auto Pay for this contact.

Screen capture shows scheduled payment confirmation.

To view/edit a payment, select Pay Bills -> Payment Activity

Screen capture shows Payment Activity button.

Select the gray arrow to the right of the payment details to view/edit the payment.

Screen capture shows view or edit button.

To make changes to the payment, select Edit.

Screen capture shows edit button to change payment.

 

You can update the Amount or the Deliver By date. Save.

Screen capture shows update options.

Once saved, you will receive a Confirmation number and message confirming the change. Select Done to return to Pay Bills or the back arrow to return to the Main Menu.

Screen capture shows payment scheduled confirmation.

To cancel a scheduled payment, select Pay Bills -> Payment Activity. Select the payment and Cancel.

Screen capture shows button to cancel a payment.

You will receive an alert asking if you are sure you want to cancel this payment. Select Yes to confirm.

Screen capture shows the message to confirm the payment cancellation

Once confirmed, you will receive a message indicating the payment was canceled. In Payment Activity, the payment will also be listed as Canceled and the original Deliver By date.

Screen capture shows payment was successfully cancelled.

Screen capture shows cancelled payment.

Manage Profile

Make changes to your online banking profile by selecting Manage Profile from the Main Menu

Main navigation showing manage profile highlighted

From the User Profile, you can choose:

Change Security Information- To change your Security Questions and Personal Image. You will choose 3 new security questions and answers. The answers are case sensitive. Choose a new Personal Image and Name for the Image. Continue. Submit. Enter your password. Submit. You will receive a message confirming the change.

Change Password to choose a New Password for your online banking access. Enter your current password. Then enter and confirm your new password. The password must be a minimum of 8 characters with at least one number and one capital letter. Update. You will receive a message confirming the change.

Change User ID to choose a new User ID for logging into your account online. The User ID must be between 6 and 26 characters in length and may be made up of both numbers and letters. The User ID is not case sensitive and cannot contain numbers only. Enter and confirm your new User ID. Update. You will receive a message confirming the change.

Screen capture shows options to change User Profile.

eXpressPay

eXpressPay is a service that allows you to make a payment on any CCU loan or Visa Credit Card using an account you have at another financial institution (FI). Your CCU loan/Visa payment can be made quickly and conveniently from your mobile application for a small processing fee. You are able to make a payment using a Visa/Mastercard debit card or by using a routing and account number. eXpressPay can be used for onetime payments and you are able to schedule payments up to 45 days in advance.

Your loan account number will be required to make a payment in eXpressPay. To locate your Loan Account Number, go to Main Menu -> Accounts -> Select the loan you are paying. Take Note of the full Account Number. This will be required when logging into eXpressPay.

Screen capture shows Account Details.

To make your payment, select eXpressPay from the Main Menu.

Screen capture of main navigation showing expresspay highlighted

Select "Click here to access eXpressPay"

Screen capture shows eXpress Pay access.

Screen capture shows to Click to access eXpress Pay.

 

You are now accessing the eXpressPay website. You will be prompted to enter your Account Number you would like to make a payment for. The Account Number requested is the full account number you previously located. If you are paying your CCU Visa credit card, enter your current full 16 digit card number. The last 4 digits of your Social Security Number must also be entered. Select Submit.

Screen capture shows login for expresspay

You will be presented with a screen displaying your name, the amount due, your due date and funding options.

From the Funding Accounts, choose Bank Account (routing and account number from another Financial Institution), Debit Signature (processes the debit as a credit transaction) or Debit Pinless (processes the debit as an ATM transaction). Submit.

Screen capture shows Funding Account Information.

eXpressPay payments:

  • Can be scheduled up to 45 days in advance. If the date is not changed, the payment will process as the date shown in Payment Date.
  • The payment cannot be made for less than the amount due.
  • Enter your email address before submitting your payment to receive an email confirmation.

Making a Payment with an Account Number:

If choosing to pay with a routing number and account number, please choose if the account is a Business Checking, Business Savings, Personal Checking or Personal Savings account. Enter the Routing (ABA) Number and Bank Account Number into their fields. Verify the amount to pay. Select Continue.

Making a Payment with a Visa/Mastercard Debit Card - Pinless:

If choosing to make a payment with a Visa/Mastercard debit card as a Pinless transaction, please choose the option for Debit Pinless on the Funding Account Information screen. This payment type will require your full 16 digit debit card number to make the payment. Please enter the required debit card information. The name listed on this screen must match the name on the card being used for payment. Verify the amount to pay. Select Continue.

Making a Payment with a Visa/Mastercard Debit Card - Signature:

If choosing to make a payment with a Visa/Mastercard debit card as a Signature transaction, please choose the option for Debit Signature on the Funding Account Information screen. On the next screen, choose the Card Type (Visa or Mastercard) in the Card Type dropdown menu. This payment type will require your full 16 digit debit card number, the expiration date and the 3 digit security code on the back of the card (CVV) to make the payment. Please enter the required debit card information. The name listed on this screen must match the name on the card being used for payment. Verify the amount to pay. Select Continue.

If you entered your email address prior to submitting the payment, you will receive an email notification when your payment processes.

eDocuments

Once enrolled in eDocuments, you can view the last 18 months of account statements and notices from CCU. From the Main Menu, select eDocuments. You will be directed to your electronic documents.

Screen capture of main navigation showing edocs highlighted

Select on the Document Type you would like to view.

edocuments user guide

Direct Deposit

To view all of your Account Numbers and CCU’s Routing Number, go to Main Menu -> Direct Deposit.

Screen capture of main navigation showing direct deposit highlighted

All of your accounts will be listed as well as their Direct Deposit/MICR Numbers. When using your account number for electronic deposit or withdrawal purposes, use the MICR number shown.

Screen capture shows list of sample direct deposit options

Contact Us

From the Contact Us link on the Main Menu, the following options will be displayed.

Call us directly at our toll free number

Send us a Secure Message

Video Chat with a CCU representative using the camera on your devise

View the Mailing Address for Consumers Credit Union

Screen capture shows options to contact Consumers Credit Union

Open a New Account

To open a New Account type with CCU, from the Main Menu, select Open a New Account. You will be directed to our online application form. You have the option to apply for Checking and Savings Accounts, Loans, Credit Cards or a Certificates of Deposit.

Open an account

Read and agree to the Disclosure by checking the boxes and selecting Accept.

Screen capture shows Disclosure information menu

Choose the Account Type you are interested in. Each Account Type has a dropdown that will open with more options to choose from. Choose your option and select Next.

Screen capture shows options to Select Accounts and Services

Complete Application. Once your application is completed, you will be contacted by a New Account Advisor within 1-2 business days.