Skip to main content
Routing: #304083147
online banking

Online Banking

Online & Mobile Banking

New Look, Enhanced Features

  • Spend less time thinking about your money and more time putting what matters 1st.
  • We're always trying to improve the way you access your financial information.
  • The features you already enjoy are still available to you, and we've added a few more enhancements.
  • You can pay your bills, deposit checks, transfer funds, pay loans and credit cards, and turn your debit cards on and off easily from your phone, tablet or computer.
  • The updated system now allows for additional transfer options, including external (to-and-from) and person-to-person transfers. You can organize your Account page by dragging the widgets where you like them. All of your loan accounts, scheduled payments, bill pay, and contacts are under the My Finance tab - a hub to handle all of your payments and transfers!
  • As always, you'll be able to locate our branches, contact us, and find nearby ATMs.

Frequently Asked Questions

Accessing My Account

Can I review and pay my credit card(s) within online banking?

Yes, you are able to pay your Mutual 1st Visa within online banking. Transaction history will not be available; however, you can click on Manage Card to check your balance and pay your bill. You can make your payment in numerous ways: use the Transfer Funds function to transfer funds from your Mutual 1st account, use an external account set up under My Finances, or you can click Manage Card and pay from that site. Note: when you click on Manage Cards, you will see your transactions in real-time, but that may not be reflected on the online/mobile banking site due to a short lag.

How do I update my password?

On the Android and iPhone apps, tap More > App Settings > Change Password.
On the desktop site, click More > Profile Settings > Change Password.

I forgot my password. How do I reset it?

Click the Forgot Password link on the online banking homepage or on the mobile banking app. Complete the information based on the primary account holder’s details.

Can I log into the mobile app using Touch ID/Fingerprint or facial recognition?

Yes. On the Android or iPhone app, make sure fingerprint access and/or facial recognition is enabled on your device. Then tap the More > App Settings > Enable fingerprint, Enable Face ID, or Enable PIN.

Will I have to download a new mobile app?

No, an update should be pushed to your existing app.

How will I access my account?

You will continue to log in your online banking account through the www.mutualfirst.com website or the updated mobile app.

How do I enroll in online and mobile banking?

For first time users, click the enroll link or button. Once you log in from one platform, use the same username and password for both online and mobile banking.

What are the criteria for a username and password in the system?

Your username can be any combination of numbers and letters but cannot contain special characters ($%!@).

Your password must be at least four characters, including at least one upper letter, one lower letter and one number.

Your password may include special characters ($%!@).

Transfers & Payments

How can I set up an ACH transfer / Payment?

You can schedule one-time and reoccurring ACH transfers TO OR FROM your checking or savings accounts at Mutual 1st. There are multiple ways to process transfers within online and mobile banking, but the following steps begin from the My Finance tab (desktop or mobile).

Click on My Recipients (Recipients from the mobile app). There are options of External Accounts and Contacts.

External Accounts

To add an external account, add it as a Recipient from the My Finance tab. Follow the prompts to add your external account.

Contacts

Click Invite and enter the recipient's email address or phone number. They will receive an email or a text indicating that you would like to send them money and a link will be included. The link will take them to a secure site where they can enter their routing and account information. If your contact is a Mutual 1st member, the system will identify them as such and also ask them to enter their 4-digit Share ID.

Once the recipient has been added as a contact, you can follow the steps to send them money by first choosing the source of the funds and then choosing them as the recipient.

How do I pay my loan online?

There are multiple ways to schedule a loan payment in the updated online and mobile banking platform. You can click the Pay Loan button in your loan account details and pay from one of your Mutual 1st accounts. You can process a Transfer from a Mutual 1st account to your loan account. You can process a Transfer from an external account to your loan. To add an external account, add it as a Recipient from the My Finance tab. Follow the prompts to add your external account.

Can I transfer funds to an existing member of Mutual 1st Federal?

Yes. With the updated online and mobile banking, your previous member recipients must be re-established.

There are multiple ways to access your contacts within online and mobile banking, but the following steps begin from the My Finance tab (desktop or mobile).

Click on My Recipients (Recipients from the mobile app), and choose Contacts. Click Invite and enter the recipient's email address or phone number. They will receive an email or a text indicating that you would like to send them money and a link will be included. The link will take them to a secure site where they can enter their routing and account information. The system will identify them as a Mutual 1st member and also ask them to enter their 4-digit Share ID.

Once the recipient has been added as a contact, you can follow the steps to send them money by first choosing the source of the funds and then choosing them as the recipient.

How can I view my full member (account) number?

From your checking account information, review the Account Info. Your member number will be listed under MICR number.

Multi-Factor Authentication

What is Multi-Factor Authentication?

We're constantly reviewing and enhancing our online security measures to ensure that your money is safe and secure. We have added Multi-Factor Authentication (MFA) to our online and mobile banking to add an extra security layer to your accounts across the internet and within our mobile. MFA means your accounts require information beyond username and password to confirm you are who you say you are before you can get into your accounts. This multi-step process ensures that you are the only person that can access your account, even if someone has your password.

How does Multi-Factor Authentication work?

Multi-Factor Authentication (MFA) requires you to identify yourself with not one, but two factors. Your user ID and password count as one form of authentication. If you have already used your computer and browser to login to online banking, the computer serves as your second factor because it has a stored cookie file. Similarly once you log in to your mobile app with MFA, your app will serve as the second factor of authorization for logins moving forward. However If you visit online banking using a machine without this cookie file, have your browser set to automatically clear cookies or login to your mobile app on a new device, it generates a Verification Code and sends it to you via a method that only you would have access to read, such as your mobile phone (via text) or personal email.

Do I need to enroll in Multi-Factor Authentication?

No, this is an automatic security measure that will be added to your account to ensure you're the only person that can access it.

Why does my info have to be updated?

Once Multi-Factor Authentication is live, whenever you sign in on a new browser, computer or mobile device, you will be asked to verify your identity via a code that will be sent to via either email or text. If you do not have these items updated, you will not receive your verification code and therefore be unable to access your account. While you may opt to have the verification code sent to EITHER your email or mobile device, we recommend having all information updated in case there is an issue with spam filters on your email provider.

Mobile Deposit

How do I make a check deposit?

On the Android and iPhone apps, tap the plus (+) sign at the bottom of the screen and choose Remote Deposit. Use your device’s camera to take a photo of both sides of the check.

How do I endorse the check for mobile deposit?

Write for remote deposit only and sign your name on the back of the check.

Debit Cards

What should I do if I think I have lost my Visa debit card?

Our online and mobile banking app both allow you to block your debit card. If you locate your card, you can log back in to unblock your card to start using it again. If you do not locate it, please contact the credit union to permanently restrict the card and order a new card number.

How do I set up alerts for my debit card?

For extra control over your cards, you can download the CardValet® app for your smartphone from Google Play or the App store. CardValet® allows you to control family spending, set GPS location limits and more. Enroll your Mutual 1st Federal debit card(s) to manage your debit card alerts and preferences.

Contact & Messaging

Is someone available to speak with if I have additional questions or need technical support?

Yes! Simply call 402.697.8200 to reach our Call Center Service Representatives, during business hours. We are also available via email at: info@mutualfirst.com

How do Messages work in the system?

You can send the credit union a message via online or mobile banking. Our customer service monitors the messages feature during business hours and reply within 24 hours. Please do not send personal information via Messages.

More FAQs

What functions does the Chatbot perform?

The Chatbot can perform simple functions such as providing your current balance or your last deposit. All you have to do is type the question in the chat window. This chat is not monitored by Mutual 1st.

Can I use online banking to change my address and phone number?

Yes, you can go into account profile and submit the changes. You will receive a secure access code via email or text message to complete the request.

How do I set up alerts?

Under the More menu, choose Alerts and follow the instructions to set them up. The system will use the cell phone number or email address on your account profile to send you secure access codes.

Can I view my estatements on the mobile app?

You cannot view estatements on your mobile app. However, you can view estatements in the online banking section. Login to online banking, click on More and then select E-Documents.

Where can I order checks?

Order checks from the More menu on the desktop site or your mobile app. It will take you straight to the Deluxe checking website. 

Can I view check images on my phone?

Yes! Our desktop site and mobile banking app will give you access to the check images within the past 24 weeks just the same as online banking.

Personalized Telephone Teller 

A simple alternative to online banking or our mobile app, Telephone Teller is an automated phone banking system. Customize your settings, opt-in to text updates and take advantage of these features:

  • 24/7 access - anytime, anywhere
  • Check account balances
  • Verify deposits and withdrawals
  • Confirm cleared checks
  • Make transfers between accounts
  • Make loan payments
  • Get loan payoff amount
  • Check certificate of deposit maturity date
  • Order checks

Get started:

  1. Dial 402.330.0104 or toll free 800.697.9247
  2. Enroll by selecting a 4-digit pin number

Funds Availability Policy

*Bill Payer is a free service as long as one bill is paid through Bill Payer per calendar month. Fees may change after the account is opened. Fees may reduce earnings. Mobile banking is free; data and other wireless carrier charges may apply.

*We recommend you retain check copies for 30 days to verify deposits. Deposit items are subject to review prior to posting to your account. Reference details for check endorsement upon signup. We reserve the right to reject any check not properly endorsed, any illegible or previously negotiated items. Mobile banking is free; data and other wireless carrier charges may apply.

Our Members, Their Stories

I know of Mutual 1st Federal's service, integrity & commitment as I get that every time I do business with the credit union!