Online Services

Transfer funds and manage your account from almost anywhere!

Online Banking & Bill Pay

Make banking easier by utilizing Online Banking!

The Basics

Access your accounts from your computer or electronic device! Log in to view account balances, review transaction history, make loan payments, and more.

Use bill pay to save time and money. This service lets you set up alerts and reminders, so you can feel confident about paying your bills on time.

• Manage accounts from your computer

• Log in to check account balances

• Review transaction history

• Transfer funds between accounts

• Make loan payments

• Save time and money with Bill Pay

• Set up alerts when bills are due

• Set up reminders to avoid late payment fees

• Encrypted for your security

And, all of our members who sign up for e-statements get to use the Bill Pay service for free!

Steps to Enroll in Online Banking

1.  Visit our homepage.

2.  Select "Enroll Now" in the Member Log-in box, located in the middle of the page.

3.  Enter Member Number (Account Number).

4. Enter the Primary Accountholder's Social Security Number.

5. Enter Primary Accountholder's e-mail Address.

6. Enter Primary Accountholder's Date of Birth.

7. Check the Agreement Box.

8.  Click on "Sign up".

9. Your temporary password will be e-mailed to the Primary Member's e-mail address.

10. Use the temporary password as your current password for your initial log-in.

11.  Once you have successfully logged in, follow the prompts to change/update your password.

Mobile Banking

Access the features of online banking from the convenience of your mobile phone or device.

"Bank" from almost anywhere – manage your accounts from your mobile phone or device.

The Basics

Access the features of online banking from the convenience of your mobile phone or tablet device. Checking your account balances, reviewing transaction history, and making loan payments is as easy as logging on.

Visit our website on your smartphone's Internet browser for easy access. And rest assured, the website is not the full version, but a mobile-friendly version, and we use encrypted software so your information remains secure – even if your phone is lost or stolen.

• Manage your accounts from your mobile phone or tablet

• The mobile version of our website is user-friendly

• Sign on to view account balances

• Review recent transactions

• Freeze your debit card

• Remote Deposits

• Make payments

• Find the nearest branch or ATM

• Secure even when your phone is lost or stolen

• Encrypted to keep your financial information safe

Remote Deposit

Remote deposit allows you to conveniently make deposits using your mobile device.

Qualifications

• Your accounts must be active for at least 90 days

• Loans and credit cards must be current

• No outstanding Courtesy Pay

• No outstanding return items

• Correct address on file

Endorsement Requirements:

• Your endorsement must include your signature, account number and “For Mobile Deposit Only CommonCents CU.”  Any check without this verbiage will be subject to refusal.

• A check payable to two payees must be endorsed by both payees. 

Receipt of Deposit:

• When we receive an image, we will confirm receipt via email.  We will not be deemed to have received the image for deposit until we have confirmed receipt to the member.

•  Confirmation does not mean that the image contains no errors.  We are not responsible for any image that is rejected, or the fees incurred from a rejected image.

• We reserve the right, at our sole discretion, to reject any image for remote deposit into a member’s account.  We will notify the member of any such rejected images.

Deposit Availability:

• Remote Deposit Times are: Monday – Friday; 9:00 am, 11:00 am and 4:00 pm (CST)

• Mobile Deposits confirmed as received before 2:00 p.m. on a business day will be credited to the member’s account the same day.

• Deposits confirmed received after 2:00 p.m. will be credited to the member’s account on the following business day.

• Deposits confirmed received on holidays or days that are not our business days will be credited on the following business day.

• Remote deposit check limit is $2,500.00.

• Deposits that require a hold on the image will receive a notification email with the details of the hold.

•  All checks will be treated with the same respect like a typical over-the-counter deposit as far as holds are concerned. 

•  Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider

  and Internet software.  CommonCents Credit Union is not responsible for any fees incurred during this time period.

SecurLOCK Equip App

Monitor spending, prevent fraud, and have more control. Download the app from your app store!

Propay

The obvious perk of having a credit card with competitive rates is the flexibility to buy what you need when you need it.

E-Statements

Trade the paper statements for electronic statements and do your part for the environment

The verdict is here: E-statements are safer and accrue less clutter than regular paper statements.

Trade the paper statements for electronic statements and do your part for the environment. Going digital will also rid your office or workspace of unnecessary paper clutter.

More importantly, losing the paper statements means losing the paper trail that leads to your financial information. E-statements provide more security and fewer chances for fraud.

• Reduces clutter and the wasting of resources

• Get rid of the paper trail to cut down on chances for fraud

• Easy to read

• Access past statements up to 12 months

• Ability to download and save for future reference

• Receive e-statements quicker than paper statements

• Encrypted for your security

eZCard

Managing your Mastercard® credit card is as easy as signing in online

Managing your Mastercard® credit card is as easy as signing in online. Visit eZCard to view your account, make payments, receive billing statements, and more. 

The Basics

Avoid late payment fees and overdraft charges by knowing exactly how much you have in your account at all times. This website is also encrypted, so you can feel confident your financial information stays private.

• Manage your credit card online at eZCard

• Free, easy registration

• Analyze your spending

• Review your statements

• Pay bills online

If you are unable to access your information on the eZCard site, please call 1.866.604.0380.

Payment address for mail-in payments:

PO BOX 4521
Carol Stream, IL 60197-4521

*Please use your new Mastercard number when remitting payment. 

Surcharge-Free ATMs

Enjoy surcharge-free access to any ATM in the CO-OP network

As a member of our credit union, you can enjoy surcharge-free access to any ATM in the CO-OP network. Ask a Member Service Rep for a list of ATMs in our network. Remember, all Ultimate Checking accounts get ATM fees refunded nationwide.

If our members have a qualifying Ultimate account, nationwide ATM fees will be refunded to them at the end of every month.

Report a Lost or Stolen Card

Members can call 800.528.2273 after hours to report a lost or stolen debit card.

Credit Report

Texas residents can get a free copy of their credit report

Get your free yearly credit report! Residents of Texas can request a free copy of their credit report from the three credit bureaus. This is a good way to verify information on your credit report to make sure it is accurate. Requests can be made online or by calling 877.322.8228.

The service is available through each of the three (3) national credit bureaus:

Reorder Checks

Access your accounts 24/7 from anywhere using our online banking service

Reorder checks online from Harland Clarke.

TurboTax

Access your accounts 24/7 from anywhere using our online banking service

Visit Turbo Tax for a simple and convenient way to file your annual taxes.