Digital Banking FAQs

Accessing Your Account

How do I access Mobile Banking?

Open the Google Play store or the Apple App store and search for “IMCU” or Indiana Members Credit Union. Then, download and install the IMCU App. Once installed, open the app and login using Digital Banking credentials.

How do I access Online Banking?

To login in to online Banking, click on the red "Login" button on the upper right side of the IMCU home page.

I'm getting an error when I try to login, why?

Please confirm you are using the correct browser: a recent version (last 2 released) of Google Chrome, Mozilla Firefox, Apple Safari or the last version of Microsoft Edge. Online banking is NOT accessible through Internet Explorer. Once the login screen appears, enter your current username and password. If you are still encountering issues logging in, please contact Member Services at 800.556.9268. If you are a Commercial Cash Management member please email or call Treasury Services Department directly at TreasuryServices@imcu.com | 317.554.3179

What is a Secure Access Code (SAC)?

An Secure Access Code (SAC) is a unique, single-use 6-digit code which protects against fraud by safeguarding your online transactions and sensitive information. A SAC is another level of authentication in addition to your Login ID and password, providing you stronger online security.

How will my SAC be sent to me?

You choose how you want to receive your SAC: by text, email, or phone. We need your current contact information for you to receive your SAC.

Do I have to enter a SAC every time I log in or conduct an online transaction?

For the vast majority of member accounts, no. Once you have setup a SAC, you have the option to register your computer or device. Once your computer or device is registered, you will skip the SAC requirement when you log in again. To register your computer or device, click, "Register Device." Members who are Commercial Cash Management users are required to enter a SAC at each login.

I'm enrolled in Online Banking. Can I use my Online Banking Log in credentials for Mobile banking?

Yes. Online and Mobile Banking is one seamless user experience utilizing a single User ID and Password.

How do I change my password?

Log in to Online Banking. Select Security Preferences under the Services menu. Select Change Password. Enter your old password, create a new password, and confirm your new password following the onscreen password criteria.

Mobile Banking

How much does Mobile Banking cost?

You may use the service for no cost, however your wireless carrier may charge you fees related to this service.

Is Mobile Banking secure?

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.

Can I access Bill Pay through Mobile Banking?

Yes. You will have the ability to send payments from your mobile device.

Is your Mobile Banking app supported on my mobile phone?

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.

Can I deposit a check via the mobile app?

Yes. Once logged in, select Deposit Check at the bottom of the screen and follow the prompts.

Account Details

How do I update my contact information?

You can update your contact information in Online Banking. Log in and select the Settings tab and click on Address Change to view and edit your contact information including mobile phone number and email address. Or you can contact Member Services at 800.556.9268.

How do I nickname an account?

Once logged in, click Menu, Settings, Account Preferences and your accounts will display. You can select the account you want to update, click on the pencil under "Online Display Name", and enter the name of the account you would like to display.

Where do I find my minimum payment for my credit card?

Go to “Card Services” and then “Manage Credit Card” you will then find the minimum payment for your credit card.

Commercial Accounts

Are there tutorials available for accessing my commercial accounts?

View the step by step videos covering basic online functions such as viewing balances, transaction history, performing account transfers, Bill Payment, and more. In-depth training for outgoing Wire Transfer initiation and ACH transaction origination will be offered separately to users of those services. These can be located on the Digital Banking Landing Page.

Am I able to view my business accounts via the Mobile App?

Yes. You are able to view accounts as well as utilize many of the mobile app features.

Which 3 letters do I use when linking a business account with another account?

The first 3 letters of the business name will be used for both.

Features

What features are available?

There are many features available. Some of them include: payment and card features, transfer features providing more access and more options, “Card Swap” feature offering seamless transition with expired, reissued or lost/stolen cards, “Pay by Card” feature offering ability to pay recurring bills with your debit card, more robust financial tools allow access to your full financial portfolio, as well as the ability to nickname accounts for easy identification, send money to anyone using your IMCU debit card with just an email or mobile phone number and so much more.

What are the differences between Bill Pay, Pay by Card and Card Swap Features?

Bill Pay offers the ability to pay an external bill (non-IMCU loan) using your checking account. Pay by Card offers the ability to make payments to an IMCU loan using a non-IMCU debit or credit card. Card Swap connects your debit or credit card to an external site (streaming services) such as Netflix, Hulu and many other services and will automatically update when your card is expired or replaced.

How do I add an external account?

Once logged in, click Menu, Transfers, and Add External Account, and follow the prompts.

How do I link member to member accounts?

Once logged in, click Menu, Transfers, and Member2Member, and select Link Account. Enter the information requested and click Submit.

Additional Questions

Are there minimum browser requirements for Online Banking?

Yes. You will need to use a recent version (last 2 released) of Google Chrome, Mozilla Firefox, Apple Safari or the last version of Microsoft Edge. Online banking is NOT accessible through Internet Explorer.

Where are statements located?

You can find your statements under Menu, Statements.

What are my transfer options?

There are many transfer options available. Funds Transfer allows you to transfer funds between your IMCU accounts and any external accounts owned by you that you have linked. Member2Member allows you to transfer to an IMCU account. Send Money (P2P), allows transfers using your IMCU debit card to send money to anyone with a phone number or email address.

How do I access the Bill Payment service?

You can access the Bill Payment service by logging into Online Banking and selecting “Bill Payment” under the “Payments” tab. All your activity, payees, and payment templates will be available.

Can I send a message to IMCU through Digital Banking?

Yes. Once logged in, select Messages from the menu. All messages will be posted there, and you can select the pencil icon to start a new message. On the desktop, the icon is at the upper right of the screen. On the app, the icon is at the lower right.

Using Microsoft Edge, I'm getting the SAC every time I login. Why?

Under Settings > Privacy, review the setting pertaining to clearing cookies when the browser is closed.

How do I nickname a linked Member2Member Account?

Navigate to Settings > Account Preferences and make the change.

Can I change my Login ID?

Yes. Login and navigate to Settings > Security Settings > Change Login ID

Why can't I see all my options on my screen, when logged in?

It's possible you need to adjust your resolution. If you set it to 100% or less, you should be able to view the entire screen and all options.

Quicken Issue: I'm getting a message that says "Institution cannot be verified. What should I do?

You will need to disconnect the old account before connecting the new one.

I linked external accounts but am not able to transfer to/from.

There are two places you can link external accounts. If you entered your username/password for the external account, this is adding the account to PFM (budgeting) only. You will need to add the external account by clicking on Transfers > Add External Account and enter the routing and account number.

This will send 2 micro deposits to the external account that will need to be verified by clicking on the "Verify External Account" option. Once the account has been verified, you will be able to transfer to/from.