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    MemberSource Credit Union

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      • e-Services – When you can’t get to the branch, bring the branch to your phone. With MSCU mobile banking you can access your account information, pay your bills, transfer funds, make a payment, schedule account alerts and so much more. And all of this is free!
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  • Electronic Services

    One of the great benefits of being a MemberSource Credit Union member is free Online Banking, Mobile Banking and BillPayer. Together, they make keeping track of your financial life simple and worry free. Go online from any computer, phone or tablet with internet connection and securely check your account balances, view cleared checks, make loan payments, transfer funds between eligible accounts, set up personal email alerts, pay bills electronically with BillPayer and so much more.

    Visit our Online Education Center to watch video tutorials on Online and Mobile Banking, e-Statements, BillPayer, Mobile Deposit and more.

     

    For first time users

    To start using Online Banking, Mobile Banking or BillPayer today, find the member login section at the top of any page and click the "Sign up" link. Enter your member number and your Social Security Number when logging in for the first time. Click Enroll. Create a Login ID (may be your member number or a user name), password and confirm password. Next you will set up five authentication questions and answers. Verify phone number and select preferred notification method of text or phone call. Review and accept the Terms and Conditions, click Save. A verification code will be sent to you based on your preference. Enter that code and click Verify. Read and accept the Terms of Service, check box and click Continue. You will only have to go through this procedure once. Afterward, you'll need only your member number and password to sign in.

     

    What is the cost? Expand

    Home Banking and BillPayer are free!

    What can I do with Home Banking? Expand

    Balance and information inquiries, transfers between deposit accounts, transfers to make loan payments, advances from your line of credit loans, review account history, export data to Quicken and/or Microsoft Money, change your password, view e-statements, make a deposit with Remote Deposit Capture as well as set up your own stock portfolio and track its performance, and more.

    How can I add to the security of my account? Expand

    In order to maximize security and to protect your account, we recommend several precautions:

    • Please be sure to completely exit your Internet access software (browser) after using Home Banking.
    • Please make sure your computer is secured and unauthorized persons don't have access to your passwords and e-mail information.
    • Never give your password to anyone or write it in a place that can be easily accessed.
    • Avoid passwords that are easily guessed (like your phone number or social security number, or consecutive numbers). Make your password truly unique and something you'll easily remember.
    • Protect this information just as you would cash in your pocket.
    What browser should I use to access MemberSource's Online Account Access feature? Expand

    You must use a browser that supports 128-bit encryption. Supported browsers and platforms: Microsoft Internet Explorer version 5.0 and higher Netscape Navigator version 6.0 and higher Mozilla version 1.4 and higher Mozilla FireFox version 0.9 and higher Opera version 7.11 and higher Safari version 1.25 and higher (Other and older browser version may work, but are not explicitly supported.) We support the use of the following platforms: Microsoft Windows 98, NT, 2000, and XP, and Macintosh OSX (other platforms may work, but are not explicitly supported).

    What if I make an incorrect transaction on my account? Expand

    If you perform a transaction by mistake, you should be able to undo the transaction since you are given a confirmation option to complete the activity or cancel it. If you have confirmed it, contact the Member Service Center at 713.627.4000.

    How much of my account history can I see online? Expand

    You can see the past 90 days of your account history. However, if you sign up for eStatements, you can view up to 24 months of past eStatements. Since our recent statement conversion, you may only see statements beginning July 2022. If you need a copy of a statement that is not showing, please contact Member Service Center at 713.627.4000 or web.msc@membersourcecu.org and we will provide it to you.

    Can I download account information into my money management software? Expand

    Yes, you can download account information into Quicken, MS Money and Managing Your Money. Simply click on the Reports tab in Home Banking. Once you have run the report for your desired account, click on the "Download to Quicken" or "Download to Money links", and you're ready to balance your checkbook, track your expenses, and much more.

    Can I change my password? Expand

    Yes, in fact we encourage you to change it periodically. Click on the Profile button from the account access page to change your password. Remember that changing your online account access password will not change your Touchtone Teller password.

    How do I change my email address?
    Expand

    We encourage you to keep your email address up to date so we make it easy for you to change your email address anytime. Just click on the Profile button from the account access page and go to "Update Member Info" to change your email address.

    BillPayer

    One of the great benefits of being a MemberSource Credit Union member is free Online Banking, Mobile Banking and BillPayer. Together, they make keeping track of your financial life simple and worry free. Go online from any computer, phone or tablet with internet connection and securely check your account balances, view cleared checks, make loan payments, transfer funds between eligible accounts, set up personal email alerts, pay bills electronically with BillPayer and so much more.

    Once signed up for BillPayer, if you have any questions regarding transactions or need help with BillPayer contact Member Support at 844.298.8452.

    Do I sign up for BillPayer or is it automatically available? Expand

    Yes, you do need to sign up. Simply sign into Home Banking and click on the Pay Bills tab on the top navigation bar and acknowledge the Terms and Conditions. Review the Privacy Policy for Bill Pay, click Accept, then Continue. It's fast, convenient and easy to use!

    How is the payment sent to my merchant? Expand

    If a merchant will accept electronic payments, your bills will be paid electronically. However merchants who cannot accept payments electronically will receive a check through the mail.

    Who can I pay with BillPayer? Expand

    You can pay any individual or entity, with the following exceptions: taxing entities such as the IRS or the state franchise tax board, and court ordered payments such as judgments or fines.

    From which account will my payments be made? Expand

    Your BillPayer payments will be deducted from a MemberSource account that you designate at the time you pay your bills. If you have more than one checking account, you may designate a bill to be paid from any eligible account.

    How does the payment post to my account and appear on my statement? Expand

    Electronic payments are deducted from your checking account on the same day as the chosen processing date for each payment. It will appear on your statement as an Internet bill payment, which will list the merchant, amount deducted, and date and time deducted. Check type payments will be deducted when the check is deposited by the payee. The payment will appear in your share draft statement as a normal check transaction. When check imaging is available you will be able to see images of your bill payment checks.

    How can I check if merchants have received payment? Expand

    You can contact your merchant or review your next month's statement to determine if payment has been received.

    Whom do I call for help on BillPayer? Expand

    Contact MemberSource at 713-627-4000.

    Is there a way for me to view payments I've made? Expand

    Yes. The Payment History feature in BillPayer allows you to view all your past activity on your BillPayer account.

    Can I add an authorized user to my BillPayer service? Expand

    Any person that you allow access to your Home Banking service will have access to your BillPayer service.

    How do I set up a payee? Expand

    Click on the Add Payee button, complete the required fields for your new merchant and click on the "Submit" button.

    What do I do with the invoice or payment coupon I normally send with my check? Expand

    You do not need to send your payment coupon to your merchant. As long as you include your account number when paying through BillPayer, your merchant will credit that account.

    Do my payees need to know that I will now pay them through BillPayer? Expand

    No. It is not necessary to notify your merchants that you will be submitting your payments through BillPayer.

    Can I schedule a payment in advance? Expand

    Yes.

    Can I set up BillPayer to send recurring payments? Expand

    Yes. Each payment can be recurring, or you can even set up a payment to recur but remind you 2 business days prior to the processing date of the payment. This feature is convenient for payments that are not the same every period, such as your phone bill.

    How do I discontinue BillPayer service? Expand

    To discontinue BillPayer, click on the "Your BillPayer Setup" link in the BillPayer area. This will give you the opportunity to change your BillPayer user information or to cancel BillPayer.

    If I change my user information within the BillPayer platform, will it automatically update the credit union's information database? Expand

    No. If you have changes to your street address, your phone numbers or e-mail address simply click on the Profile button from the account access page and go to "Update Member Info". For more information, please contact our Member Service Center at 713.627.4000.

    I get a server down error message when trying to enter Online Account Access. What does this mean? Expand

    In most cases, this means that your Internet service provider is experiencing problems. However, each service provider has their own error messages, so you will need to check with your provider for their specific message. If you see the message "Service Temporarily Unavailable," that means that we are conducting system maintenance. During this time, you will be unable to use Online Home Banking.

    Do I have to press the Exit button in order to leave Online Account Access?
    Expand

    No, but we highly recommend doing so. By properly exiting online Home Banking, you can be assured that all communication is severed and that your next login session is free of any unnecessary problems. This is why we strongly suggest that our users actually click on the Logoff button to leave Home Banking after each session. If you have any additional questions, please e-mail us or call our Member Service Center at 713.627.4000.

    Mobile Banking

    Manage your finances anytime, anywhere from the convenience of your smart phone. It's easy, convenient and free for MemberSource account holders enrolled in Home Banking.

    MemberSource Mobile Banking gives you the flexibility to stay on top of your banking needs while you're on the move. Access to your financial accounts is always in your hand. With Mobile Banking and a cell phone or tablet with Internet access, you can:

    • View up-to-the-minute account balances
    • Securely transfer funds between your eligible accounts
    • Pay bills with our Free BillPayer service
    • Set up email alerts
    • Apply for loans and much more

    Download the free MemberSource Credit Union mobile app from the App Store or Google Play to get started.

    Do I have to sign up for Mobile Banking? Expand

    Yes, you do need to sign up. Simply sign into Home Banking and click on the Mobile Banking tab and select your mobile settings. It's fast, convenient and easy to use!

    How do I access Mobile Banking? Expand

    From your mobile device, simply access your mobile Internet browser, and type www.membersourcecu.mobi
    You'll be taken directly to our MemberSource mobile banking where you can log in to manage your account

    How do I know if my mobile device can access mobile banking? Expand

    MemberSource mobile banking is accessible from most web-enabled cell phones and smart phones. If you have a mobile Internet browser and Internet access from your phone, it's most likely you can use mobile banking. To be sure, check with your service provider or simply type in www.membersourcecu.mobi in your phone's Internet browser.

    Is there a cost for mobile banking? Expand

    Mobile banking from MemberSource is free. Depending on the terms of your contract with your mobile provider/carrier, you may be charged access rates and text messaging charges. Check with your mobile service provider for details on specific fees and charges.

    What features are available within mobile banking? Expand

    Key features of mobile banking include:

    • View up-to-the-minute account balances.
    • Schedule one-time payments to your already established BillPayer payees.
    • Make one-time money transfers between your MemberSource accounts and more.
    What is a mobile transaction notification? Expand

    This is a message that notifies you of all transfers and billpay transactions that are initiated through mobile banking. The message is sent through the Secure Communications Center located in home banking. This service can be activated and deactivated by the member on the mobile banking sign-up page located in home banking.

    Is mobile banking secure? Expand

    Yes! Mobile banking uses SSL encryption (scrambled code) just like MemberSource's home banking. Mobile banking also requires your Login ID and password to access your accounts. And it uses the same high-security logon features as home banking.

    How do I clear the cache on my mobile phone? Expand

    Every mobile phone is different so please check with your mobile service provider for details on how to clear the cache on your mobile phone.

    What happens if I get locked out of mobile banking? Expand

    For your security, your account is locked if your login or answers to security questions are entered incorrectly too many times in a row. Should that happen, please contact MemberSource at 713.627-4000 for assistance.

    What is the difference between mobile banking and home banking? Expand

    MemberSource mobile banking is a variation of home banking made specifically for your mobile device. There are fewer graphics, text, and options to reduce complexity and increase load speed.

    Differences between mobile banking and home banking include:

    • Specialized features such as changing your password, reading secure messages, or viewing your statements are not available in mobile banking.
    • Some features of BillPayer Service such as setting up recurring payments or adding new payees are not available in mobile banking.
    • Scheduling of recurring money transfers is not available in mobile banking.
    • Details of your pending transfers and bill payments are not available in mobile banking.
    • You will not be able to submit applications to open an account or for new products in mobile banking.
    How do I unsubscribe from mobile banking?
    Expand

    Just log-in to your home banking account and go to the Mobile Banking tab and disable mobile access.

    eStatements

    When you sign up to receive your statements via eStatements, we'll stop sending you paper statements in the mail. Instead, you'll be able to access your eStatement when you log in to Online Banking. You can then download and save or print them at your convenience. There's nothing more secure than retrieving your credit union monthly or quarterly statement online. And eStatements make it possible with up to 12 months of past statements always available.

    Beginning January 2020, some loans will be on a quarterly statement production instead of monthly. Line of credit loans, mortgage loans, credit cards and other "open end" loan types will continue to have monthly statements. You may always get up to date information and current transaction history within your secure online banking account. Be sure to contact us if you have any questions or if you need a statement that does not appear in your list.

    Start getting eStatements today

    If you're already an Online Banking user, simply login to your account and click on the eStatements tab. If you're not an online Banking user, it's easy to sign up. Use your member number and last six digits of your Social Security number to access Online Banking directly from our home page.

    Once you're in, click on the eStatements tab and choose "I'd like to receive eStatements."Once you choose to have electronic statements your account statement, credit card statement and notices will all be received electronically.

    Mobile Deposit

    Mobile Deposit is a convenient service available for MemberSource CU members to electronically deposit a check with your smartphone allowing you to take a picture of a check and deposit it into your savings or checking account.

    Access Mobile Deposit by logging in to Mobile Banking and clicking on the Deposit icon on the bottom of the screen. Then follow the prompts and instructions displayed. Please ensure the endorsement "FOR MOBILE DEPOSIT ONLY" is written on the back of your check. Otherwise, your deposit may not be accepted causing a delay in deposit.

    NOTE: Any deposit received after 2:00pm CST will be posted the following business day. Deposit time is based upon receipt of deposit by MSCU’s system. Normal check holds apply. Once the deposit is credited to your account, you will be able to view it in Home Banking and be able to tell if a hold has been placed.

    Please review the Mobile Deposit Use Agreement.

    ABA & Wiring Info

    Sometimes you need to send money quickly, securely, or directly. If so, this is where you'll find important information to get the job done.

    ABA

    MemberSource Credit Union
    ABA # 313084904

    Wiring Information

    Credit to:
    MemberSource Credit Union
    10100 Richmond Avenue
    Houston, TX 77042
    ABA# (Routing & Transit Number): 313084904

    For Final Credit to:
    Member’s Name
    Member's account number and suffix (Example: 123450-2)

    Direct Deposit

    Direct Deposit provides the security of having your checks (paycheck, pension check, Social Security check) deposited directly into the MemberSource account of your choice. It saves you time and worry — no lines to stand in and no need for concern over a check being lost or stolen — and it's yet another free MemberSource service.

    Learn more about the full array of financial services enjoyed by MSCU members

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    MemberSource Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 713.627.4000 so we may promptly assist you and remedy any accessibility concerns.

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