Online Banking Registration and Instructions
You will need your account number, access to your personal email, access to your mobile device (if applicable). You will need to create a username, password, and challenge questions.
If at any time you need help during registration please contact us.
Frequently Asked Questions
Why does Missoula Federal Credit Union require security for Online Banking?
The government issued guidelines that require all financial institutions to improve their online banking security. Missoula Federal Credit Union is dedicated to protecting your identity, your money, and your personal financial information. Therefore, users of Online Banking are required to use these security features. This helps protect your account from fraudulent access or transactions. One feature uses a cookie to track the specific computers or devices you typically use to access your account. If you sign on to Online Banking from the same computer on a regular basis and then log on from a different computer, you’ll notice some additional security measures. You may be asked some questions to verify your identity before being able to login. With these extra layers of security in place, your account information will have the enhanced security that is required by the government, and more importantly make it harder for someone to impersonate you.
What are the One-Time Passwords for?
One-Time passwords provide another level of validation to your account. One-Time passwords verify that can access email or mobile numbers associated with your account. It provides an extra layer of security when performing riskier transactions on your account as well as enrolling for Online Banking.
Can I access all my accounts through one login?
All accounts that you are primary or joint on will be viewable. If they are linked, you can see them all from one login. If they are not linked but you would like them to be, please contact us. To transact or transfer funds from joint or linked accounts you need to either login for that specific account, or add these accounts to the Funds Transfer page when logged in.
What if I forget my Username?
On the login page there is a link under the login “Forgot Username.” This will walk you through a process to retrieve your username.
What if I forget my Password?
On the password page there is a link “Forgot Password.” This will walk you through setting a new password.
What if I forget my Challenge Questions?
If you can access a computer that is already registered, you can login then update your challenge Questions. Please contact us if you are unable to access a registered computer.
Can I change my security settings?
Yes, once you enroll and login, you can change them any time by simply clicking on the “Profile” tab and then “My Account Profile”. You can change your username, password, security questions, email addresses, phone numbers, mailing addresses, site markers, and one time password settings.
What are Challenge Questions for?
Once you’ve enrolled for Online Banking, the questions serve as a back-up security measure – they are used when you login from a computer browser you have not registered (meaning you have not placed the security cookie on it). For example, if you login from a computer at a public library, you would be asked to provide the answers to your Challenge Questions because that computer is not the computer you registered.
What happens when I sign in from a computer that Online Banking does not recognize?
Our system will ask if you want to register and authenticate the computer browser with a cookie. If you register the computer browser, the system will install a “cookie” and register the computer so that you won’t have to enter a security question each time you login. This is not recommended if you login from a public computer. You will have the option to not register and authenticate the computer browser.
What if my browser deletes cookies?
You will be asked to answer your security questions every time you login if the cookie is deleted by yourself, some virus protection programs, or by a spyware blocking program that may be on your computer. It is also possible that a virus would remove the cookie in order to force you to retype in information for it to track.
Why all this attention to the login process?
While the chances of identity theft or monetary loss are slim, there are those malicious entities on the Internet that look to fraudulently gain from unsuspecting individuals. One of the most popular methods of fraud is through impersonating individuals during the registration process. It is our intention to make this process as secure as possible while keeping your internet banking experience as hassle-free as possible.