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Digital Banking FAQs






New Member Enrollment Video

  • New members will need to setup an account and login.
  • Select, “Register as an Individual” or "Register as a Business" on the login page. Enter the personal info. Then click, “Next.”
  • To verify your identity, select the method you would like to receive your verification code. Once received, enter that number and click “Next.”
  • Enter the preferred Username and Password and click “Register.”

Mobile App Enrollment Video

  • Once you have installed the app, if you are an existing member that has used IMCU’s digital banking before, you can login with your existing Username and Password.
  • If it is your first time using the digital banking application, please create a Login ID and Password.
  • On the Personal Information screen, enter the verifying information and click the "Continue" button.
  • In the Authenticate screen select the preferred "Delivery Method." This can include "Voice Message," "Text Message," and "Email." Based on the selected "Delivery Method," the phone number or email address will be displayed.
    • Note: Only the last few digits of the phone number or the last few letters of the email address will be displayed.
  • Click the “Request Code” button.
  • A new field will display to enter the Verification Code.
  • Enter the code, then click the “Validate” button.
  • The select New Password screen will display. Enter the preferred password using the listed requirements.
    • The system will provide feedback for any missing requirements.
  • Click the “Next” button.
  • Click the “Accept and Continue” button to accept the presented Terms and Conditions.

If you do not have the automatic updates turned on, you will need to follow the steps below:

IMCU mobile app
A secure access code is a 6-digit number initiated by the system as an additional level of security members must retrieve and enter after they type their login id and password or use biometrics to log into your account.

Forgot Password Video

  • Click/Select “Forgot your Login ID or password?” option on the login screen.
  • The Reset Password screen displays. Enter the required information.
    • Requirements include: Login ID, Date of Birth and the last 4-digits of your SSN.
  • Click "Reset Password."
  • The Multifactor Authentication screen will display. Select your preferred method of receiving the secure code or authenticating (Push Authentication/Passkey).
  • Enter the new password following the requirements displayed.
  • Re-enter the new password to confirm and "Reset Password."
  • This will be the new password going forward. If a user uses biometric authentication (face or fingerprint unlock), they will need to re-register for the service after entering the new password during log in. 
 

Change Password Video

  • Log in to your digital banking account.
  • Once logged in, click the person icon in the top right corner.
  • Select, “Security” from the drop down.
  • Once at the “Security Validation” page, select “Change Password.”
  • The program will ask to verify your identity by sending a code through text message, voice message, email, or from the call center.
  • Once you verify your account, you will need to enter your "Old Password" and enter your "New Password." You will need to "Confirm New Password."
  • Click "Save" and your password will be updated.
Yes. Online and Mobile Banking are one seamless user experience utilizing a single Username and Password.
  • If the device the member is using has facial recognition or touch ID capabilities, then the app will work using those access methods. The app will walk the member through the setup at first login.
  • You will need to make sure that the Face ID recognition option is enabled on your device before setting this up on the app!
  • Click the person icon in the top right corner of the screen.
  • Once there, select the “Log Out” button.

Multi-factor Authentication Video

  • Multi-factor authentication (MFA) is a security feature that requires members to complete a secondary verification step, such as entering a validation code when they attempt to log in to Digital Banking. Members will have several different security options within digital banking to use for authenticating their login attempts. These options are secure access codes (SAC), Passkeys, and a separate Authenticator app such as DUO, or Google Authenticator. Additionally, members will have the option to make their accounts even more secure by requiring MFA on every login regardless of whether their device/browser has been trusted.
  • To access the authentication options members must click on the profile button (person icon) in the upper right corner and select “Security”.
  • Once there, they will have the following options – multi-factor authentication (MFA) at every login, Use Passkey as Primary MFA Method, Authenticator App, and Register Passkey for MFA.
  • To activate two-factor authentication at every login, click “Set Up” and complete the steps below.
    • Click the slider next to “Require Two Factor Authentication at every login”
    • The system will display a message indicating the setting was changed
  • Authentication App: This feature enables members to verify their identity using a unique code generated by the Authenticator app of their choice, such as Microsoft Authenticator, Authy, DUO, or Google Authenticator. When using an Authenticator App, other less secure methods such as text, email, or voice are disabled.
  • To enable Authenticator App:
    • Download the Authenticator app of your choice on your IOS or Android Device.
    • Click the PLUS (+) button to add a new token to the app.
    • Click “SETUP” on the Two Factor Authentication tab under \Profile\Security.
    • Use your Authenticator app to Scan the QR Code provided on the authentication page.
    • Enter the code generated into your Digital Banking application and SUBMIT.
If you are having trouble logging in on a new phone or tablet, ensure you are accessing Digital Banking via the app or through our official website at www.imcu.com. If you continue to experience issues, for assistance with your device registration or login credentials, please contact us by chat through our website, or by calling Member Services at 800.556.9268. 












You may use the service for no cost; however, your wireless carrier may charge you fees related to this service.
Yes, our Mobile Banking service utilizes best practice security services such as HTTPS, TLS encryption, password access, biometrics, and application time-out when not in use. Only the phones that you enroll can access your bank accounts and no account data is ever stored on your phone.
Log into digital banking and click on "Bill Pay."  If Bill Pay has not been set up, you will need to enroll.  
  • You can place the request directly through Bill Pay by calling Member Services, IMCU employees can cancel the payment directly through the Admin Portal, or you can call or chat with an IMCU employee to make the request.
  • For payments sent as a check that have not cleared the account, you can use our main points of contact to request a stop to be placed.
Yes, you can deposit a check via the mobile app. Log into the app and click on the deposit icon on the bottom menu bar. 
Our Mobile Banking is supported on most iPhone®, iPad®, and Android™ devices. You can also use mobile phones with a mobile web browser that supports cookies.
Enroll today and send money to friends and family:
 
  1. Log into the Indiana Members Credit Union app.
  2. In the main menu, select "Transfers", then "Send money with Zelle®."
  3. Enroll your email address or U.S. mobile number.
  4. You’re ready to start sending and receiving money with Zelle®.















Updating Contact Information Video

  • Select the person icon in the top right corner of your screen.
  • Select “Profile” in the drop-down.
  • You can view your current contact information and update any fields as needed.
  • After you finished updating your contact information, click “Save Changes” at the bottom of the page.

Editing Dashboard/Adding Nicknames for your Accounts Video

  • On the home page click the product you want to edit under “Cash Accounts.”
  • Then under “Account Details” click on “View Account Details.”
  • To the right of the "Account Nickname" click on the pencil icon.
  • You can now nickname your accounts to whatever you prefer.

Card Controls Video

  • Select the Checking or Savings account on the left side of your dashboard.
  • Next, select "Card Services."
  • You will now see all of your card options.

Credit Score Video

  • On your dashboard, scroll down until you find “See Your Credit Score.”
  • Next, fill out your personal information before accepting the Terms and Conditions. Click "Continue."
  • You will now be able to view your credit score information.


















No, business members will now be able to create their own login information, similar to how consumers set up their online banking. In addition, they will have the ability to create user specific logins for anyone they wish to grant access to their online banking. This will eliminate the use of an Online Banking Authorization form.
 
 
  • First, enter the Username and Password.
  • If you do not know your Username, please watch the video below.
  • If you do not know your Password, please watch the video below.
  • If you are logging in from an untrusted device or browser, or the member has chosen to be authenticated for every login attempt, they will be required to verify their identity with one of the following options: Secure Access Code, Passkey, or separate Authenticator App. By default, the secure access code option will be presented. The Passkey and Authenticator App will have to be added after logging in under security.
  • After successfully completing the authentication verification, the members will log into their account.
No, Remote Deposit Capture is available through a desktop scanner or the IMCU mobile app.
Business members are able to complete this process on their own using the "Roles/Users" function located in "Settings."


















  • Secure Multi-Factor Authentication, including one-time security codes delivered by email or text message.
  • Primary account holders and joint members will have separate, unique Access IDs for enhanced security.
  • Primary account holders and joint members will be able to view all their accounts across the credit union memberships plus accounts at other institutions under one Access ID.
  • Customizable spending goals and alerts to help you track your savings and maintain your budget.
  • Touch ID is available on compatible devices, allowing you to access mobile banking in seconds without entering a password.
  • Daily balance alerts will be available.
  • Integrations with Credit Score and More to help with your credit score and more will still be available.
  • And more!

Setting up Alerts Video

  • Click on the person icon in the top right corner of your screen.
  • Click on the “What’s New” option on the drop-down menu.
  • Click the “Alerts” under digital banking.
  • Follow the instructions and set up your custom alerts.

Adding External Accounts Video

  • Select “Make a Transfer” in the top navigation menu.
  • Under "Transfers" on the left side of the screen, select “External Accounts.”
  • Select “Add Account.”
  • A disclosure will be displayed, make sure to read through and select “Accept & Continue.”
  • You will need to verify your identity.
  • Two options will be displayed, “Instant Account Verification” and “Manual Account Input.”
  • Read the options and select the most efficient option for you.
  • Follow the instructions.

Member-To-Member Transfer Video

  • From the dashboard, select “Make a Transfer.”
  • On the left hand side, select “Member to Member Accounts.”
  • If no accounts have been added, select the “Add Account Option.”
  • Enter the required information in the text boxes, select the account type, and click “Add Account.”
  • Choose the preferred verification method to receive an access code. Once received enter it and click "Next."
  • The receiving account number will be needed, as well as a hyphen and the share ID.
    • See example: 123456789-0010
  • To add a member account via code, enter the code the recipient has provided, as well as a nickname for that account, and click "Add Account." Then, enter the amount to be transferred, select "Review," and click "Confirm." 

Member-To-Member Code Video

  • Select “Make a Transfer.”
  • Select “Member to Member Accounts” and click “Create Code.”
  • Select the account you wish to create the code for receiving transfers from other members. Enter between 6-24 characters.
  • Click “Create Code.”
These can be set up by going to “Make a Transfer” > “New Transfer”. You will have the option to select One Time, Weekly, Every Two Weeks, Monthly, Quarterly, and Annually.
















Messages will be delivered from IMCU Alert. For one-time passcode messages, you will receive one message per request. For Account Alerts, message frequency varies.
Yes, by visiting the "Alerts" page in Digital Banking, and changing your settings at an individual alert level. You can stop all alert SMS messages from Digital Banking to a phone number, text "STOPALERTS" from the phone number you no longer wish to receive alerts at. Texting "STOP" will stop all SMS messages from Digital Banking to that phone. After you text "STOPALERTS" or "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed and you will no longer receive SMS messages from us to that number.
If you decide to opt in again to receive messages by SMS, visit the "Alerts" page in Digital Banking, and change your settings at an individual alert level to use the text channel. Texting "START" will also opt you back in to the SMS program, but you will still need to update your individual alert settings to use the SMS channel.
As always, message and data rates may apply for any messages sent to you from us and to us from you. The number of messages you receive will depend on the alerts you subscribe to and the frequency settings you choose. If you have any questions about your text plan or data plan, please contact your wireless provider.


















Member Services: Contact Member services at 317.248.8556 or 800.556.9268 | Email at members@imcu.com | Chat in Digital Banking. 

  • Log in to your Digital Banking.
  • On the left hand side of the dashboard, you will see “Cash Accounts” and click on the desired account.
  • You will see “Account Details” on the right hand side of the screen. Click the eye icon next to “Account Number” to reveal your account number.

Adding a Travel Notice Video

  • Click on the 3 dots in the top navigation bar. Select “Travel Notice.”
  • Select your travel dates and select the cards you will be taking with you.
  • You can also schedule future travel notices by clicking the plus icon and selecting “New Travel Notice.”



















Have questions?

Let our dedicated service team help. 
 
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