Mobile Banking is a great way to monitor your accounts, process transactions and communicate with Consumers Credit Union while on the go from your mobile phone. Within CCU’s mobile app, you can check your balances, view account history, transfer funds to share accounts or loans, use our free Bill Pay service and even make check deposits simply by taking a picture.
To use CCU’s mobile application, download the Consumers Credit Union app on your Android or iPhone device. Once you have a User ID and Password for Online Banking, you can log into your account on the app using those credentials.
Once logged in, the Main Menu will be displayed. From the Main Menu, select the option that fits your needs.
Guide images are for example only. Account balances, reward levels, dividend rates, and loan rates are shown for display purposes only, and do not reflect your account rates or balances. Your actual reward level and dividend rate earned is based on current market rates, which are subject to change at any time and without notice, and your account qualification level earned.
Main Menu Options
Accounts - View Accounts and history of transactions.
Transfers - Process and Schedule Transfers for Immediate, One Time Future-Dated or Recurring.
Scheduled Transfers - View/Edit Scheduled Transfers.
Mobile Check Deposit - Deposit a check into your CCU account by taking a picture of the check through this option.
Budgeting - View monthly Expenses and Income Totals.
Messages - Send and receive secure messages regarding your account.
Pay Bills - Schedule and manage your Bill Payments.
Manage Profile - Make changes to your Online Banking User Profile. These changes include your User ID, Password or Security Information.
eXpressPay - Make a payment to a CCU loan or Visa Credit Card with an external Financial Institution’s Routing Number and Account Number or Visa/Mastercard Debit Card for a small processing fee.
eDocuments - Access your last 18 months of statements and notices from CCU.
Direct Deposit - View all of your Account Numbers and CCU’s Routing Number
Contact Us - Call us directly, Send a Secure Message, Video Chat a representative or view our mailing address.
Open a New Account - You will be directed to our online application form. You have the option to apply for Checking and Savings Accounts, Loans, Credit Cards or a Certificates of Deposit.
To view your Deposit and Loan Account’s balances and activity, select Accounts from the Main Menu.
Your Current and Available Balances will be displayed for each Deposit Account shown. Your Current Balances, Payment Amount and Due Date are displayed under each Loan Account in black text. To access your CCU Visa Credit Card, select the gray arrow to the right of the Visa information or the Credit Card link. Your Rewards Update for your Free Rewards Checking Account can also be found on this screen.
To access the Account you would like to view, select the gray arrow to the right of the Account type.
You can view your transaction history by month. Choose the month’s transactions you would like to view in the dropdown.
Transactions processed during the month chosen will be displayed.
When done viewing the transactions, select the back arrow to return to the Accounts screen and again to return to the Main Menu.
To process or schedule a Transfer, go to the Main Menu -> Transfers
You can make an Immediate Transfer, schedule a Future-Dated (One Time) Transfer or schedule Recurring transfers by changing the Scheduling Option.
To make a transfer for immediate processing, choose your From Account in the dropdown, To Account in the dropdown, Amount, Scheduling Option- Immediate and Description, if desired. Submit.
Once submitted, you will be prompted to review your transfer. Review your From and To Accounts, the Amount and the Scheduling Option. If you would like to edit any of the information, select Edit and you will re-directed to the previous page to make your changes.
Once confirmed, you will receive a message stating “Your transfer has been successfully submitted” and a confirmation number will be given.
To schedule a transfer for Future Dated One-Time processing, follow these steps, Main Menu -> Transfers.
Choose your From Account in the dropdown, To Account in the dropdown, Amount, Scheduling Option- Future Dated, Transfer Date (the date you would like the transfer completed) and Description, if desired. You can also elect to receive an alert when your transfer is completed. By checking the box, you will receive an email to the email address on file with CCU when the transfer is processed. Submit.
Once submitted, you will be prompted to review your transfer. Review your From and To Accounts, the Amount, the Scheduling Option and the date chosen. If you would like to edit any of the information, select Edit and you will re-directed to the previous page to make your changes. If you would like to cancel the transfer, select Cancel. If you would like to proceed with this Future Dated Transfer, select Confirm.
Once confirmed, you will receive a message stating "Your transfer has been successfully scheduled" and a confirmation number will be given.
To schedule a Recurring transfer, follow these steps, go to Main Menu -> Transfers.
Choose your From Account in the dropdown, To Account in the dropdown, Amount, Scheduling Option- Recurring, Transfer Date (the date you would like the first transfer completed), Frequency (how often) and Description, if desired. When selecting the Frequency, also choose the end date, no end date or the number of transfers you want to occur. You can also elect to receive an alert when your transfer is completed. By checking the box, you will receive an email to the email address on file with CCU when the transfer is processed. Submit.
Once submitted, you will be prompted to review your transfer. Review your From and To Accounts, the Amount, the Scheduling Option, the date chosen and the Frequency. If you would like to edit any of the information, select Edit and you will re-directed to the previous page to make your changes. If you would like to cancel the transfer, select Cancel. If you would like to proceed with this Recurring Transfer, select Confirm.
If you select Confirm, you will receive a message stating “Your transfer has been successfully scheduled” and a confirmation number will be given.
To view, edit or cancel your Scheduled Transfers, go to the Main Menu -> Scheduled Transfers.
To view or edit the scheduled transfer, click on the transfer details.
Update the information you wish to change for this transfer. Submit.
Confirm your changes.
Once confirmed, you will receive a notice stating the transfer has been successfully changed and the changes shown in Scheduled Transfers.
To change the From or To Accounts, please delete the scheduled transfer and submit a new request. To delete a Scheduled Transfer, select the red X to the right of the transaction.
An alert will be prompted asking if you are sure you want to delete the transfer. Select OK to delete.
Once confirmed, you will receive an alert stating your transfer was successfully deleted.
Mobile Check Deposit
Mobile Check Deposit is a service that CCU offers to qualifying Members that allows you to deposit a check into your CCU share accounts using your smartphone via CCU’s mobile application.
The qualifications to use Mobile Check Deposit are:
- The Member must be over 18 years old.
- The Member must have accepted the eDocument Disclosure.
- The Member must have a minimum credit score of 500.
If your account has already been qualified for this service, you will see the Mobile Check Deposit option listed on the Main Menu. If you do not see this option on the Main Menu and your account meets the qualifications listed, please contact CCU at 877-275-2228.
When ready to make a Mobile Check Deposit, select Deposit a Check from the Main Menu.
Select the Share Account you would like the check to be deposited to. Enter the amount of the check. The daily limit for Mobile Check Deposit deposits is 5 checks or $5000.00, whichever limit is met first. Once the amount is entered, select the black link “Click Here to Take Picture” under Front of Check Image. Ensure the image is clear and there are no shadows covering the check. The quality of the image can be improved by propping the check up against a dark background and taking the picture standing in front of the check, rather than directly over it. Hold your hand steady when taking the picture and align the check to fit in the green outline. When you are satisfied with the quality of the picture of the front of the check, select the black link “Click Here to Take Picture” under Back of Check Image. The check must be endorsed on the back to be accepted.
Once you are satisfied with both images, select Make Deposit.
Once your image has been accepted, you will see the following message. A transaction ID will be displayed as well as what to do with the check that has been deposited. Once processed, write in pencil, "deposited via mobile" and the date of deposit. Store the check in a secure location for at least 30 days. Verify the deposit and destroy the check.
Your deposit will be sent to CCU for review and processing. All items are reviewed and are subject to CCU’s Funds Availability Policy. Deposits made during non-business hours will be posted the following business day. You will receive a series of three emails once your Mobile Check Deposit has been processed. The email will be sent to the email address we have on file for you.
If your image was not accepted, you will receive a message stating there was an error and to retake the picture of the front and back of the check.
If this error occurs, verify the lighting for the image, make sure the check is endorsed and that you have not previously deposited this check via Mobile Check Deposit. Then attempt to process the Mobile Check Deposit again. If these errors continue, contact CCU for assistance.
The Budgeting tool can be used to help you see an overview of your monthly Expenses and Incomes. This tool is best utilized by accessing the service though the desktop site first. Within the desktop version of www.myconsumers.org, you are able to assign categories to each transaction type. Once the categories are assigned, you can view your expenses and income, per category.
To view the Budgeting tool, go to the Main Menu and select Budgeting.
Initially, you will see an overview of the current month. Select the month to view in the dropdown. Once you have selected the month to view, you can expand Expenses or Income to view more information.
When expanded, you will see the amounts spent for the transactions that have been assigned to each category. Click on the category to view the transactions accounted for.
In this example, during the month of December, three transactions were categorized as Groceries. To assign more transactions to the Groceries category, log into the desktop version of your online banking.
Any transaction type that has not been assigned to a category will be displayed in the Expenses column as Uncategorized.
To assign these transactions to a particular category, log into the desktop version of your online banking.
If you have questions regarding your account, a specific transaction or would like more information on a product, you can send your inquiry to CCU staff in a secure message. A CCU representative will reply to your inquiry within 24 business hours. To contact us with a question or concern regarding your account(s) via secure message, select Messages from the Main Menu.
Then select New Message.
Complete the following fields:
Subject - Briefly state what you are inquiring about.Category - Is your inquiry in regards to a specific transaction or a general inquiry?
Account (if applicable) - In this dropdown, all of your share and loan accounts with CCU are listed. If your inquiry is directly related to one of these accounts, select that account.
Body - This is where you will type your inquiry, question or concern. Please include as much information as you have. Being as detailed as possible will assist the representative replying to your inquiry to assure they are answering all of your questions and addressing all issues. Rest assured, you can always reply to a response to provide more information if needed at a later time.
You can elect to receive a notification when the response to your inquiry has been sent back to your online banking. This notification will be sent to the email address that is on file with CCU.
Once your Secure Message has been sent successfully, you will receive a confirmation message.
Your inquiry will be responded to by the end of the next business day.
If you elected to receive a notification once your inquiry has been answered, you will receive an email from Consumers Credit Union with the subject description "You have received a response to a secure message".
To view the response, log into your online banking via your CCU mobile app -> Main Menu -> Messages.
Click on the message that states Unread: 1
Review your response. If you have more questions or if more information was requested from the representative assisting, you can reply to the response by selecting the blue Reply button at the bottom of the message.
If you are satisfied with the response and no longer want to retain the message in your online banking profile, select the white back arrow to the left of Message Details and then select the red X to the right of the message.
When selecting to delete the message thread, you will receive an alert asking if you are sure you want to delete. Select OK to delete.
A thread deleted alert will appear confirming deletion.
Non archived/deleted threads are able to be viewed at any time by selecting Main Menu -> Messages.
Members can use CCU’s Free Bill Pay service right from their mobile app. Options include adding/managing a contact, sending a contact money and viewing/editing payments. To access your Bill Pay, select Pay Bills from the Main Menu.
The options displayed in Pay Bills are:
- Send Money - Schedule a payment to be sent to a contact (new or existing)
- Manage Contacts - Add a new contact or set up an existing contact on auto pay
- Payment Activity - View recent payment activity
- To Do - Reminders set for payments
To create a contact, select Pay Bills -> Manage Contacts
Select + Add New Contact
Enter the name of the company or the person you would like to create the contact for. Next.
Select if you would like the contact added as a Company or as a Person.
Enter a nickname for the contact (optional). Next.
Enter the contact’s address and phone number. Next.
You will receive a message stating that your new contact was added. Select Pay to send the contact a payment or Done to return to the Main Menu.
Your new contact can be viewed/edited by going to Pay Bills -> Manage Contacts
To delete a contact, log into the desktop version of your online banking. Click on the contact to delete and select "Remove contact’s name".
To send money to a contact, select Pay Bills -> Send Money
Choose Select your contact.
To send money to an existing contact, select the gray arrow to the right of the contact. To send money to a new contact, select Add New Contact.
Enter the Amount to Pay and the Deliver By Date.
Once the date is chosen, select a delivery option (paper check or electronic) to continue.
Select Review to see an overview of the transaction.
Select Pay to schedule the payment. To edit the payment, select Edit.
You will receive a confirmation number and message that your payment has been scheduled. Select Done or Add Auto Pay to set up Auto Pay for this contact.
To view/edit a payment, select Pay Bills -> Payment Activity
Select the gray arrow to the right of the payment details to view/edit the payment.
To make changes to the payment, select Edit.
You can update the Amount or the Deliver By date. Save.
Once saved, you will receive a Confirmation number and message confirming the change. Select Done to return to Pay Bills or the back arrow to return to the Main Menu.
To cancel a scheduled payment, select Pay Bills -> Payment Activity. Select the payment and Cancel.
You will receive an alert asking if you are sure you want to cancel this payment. Select Yes to confirm.
Once confirmed, you will receive a message indicating the payment was canceled. In Payment Activity, the payment will also be listed as Canceled and the original Deliver By date.
Make changes to your online banking profile by selecting Manage Profile from the Main Menu
From the User Profile, you can choose:
Change Security Information- To change your Security Questions and Personal Image. You will choose 3 new security questions and answers. The answers are case sensitive. Choose a new Personal Image and Name for the Image. Continue. Submit. Enter your password. Submit. You will receive a message confirming the change.
Change Password to choose a New Password for your online banking access. Enter your current password. Then enter and confirm your new password. The password must be a minimum of 8 characters with at least one number and one capital letter. Update. You will receive a message confirming the change.
Change User ID to choose a new User ID for logging into your account online. The User ID must be between 6 and 26 characters in length and may be made up of both numbers and letters. The User ID is not case sensitive and cannot contain numbers only. Enter and confirm your new User ID. Update. You will receive a message confirming the change.
eXpressPay is a service that allows you to make a payment on any CCU loan or Visa Credit Card using an account you have at another financial institution (FI). Your CCU loan/Visa payment can be made quickly and conveniently from your mobile application for a small processing fee. You are able to make a payment using a Visa/Mastercard debit card or by using a routing and account number. eXpressPay can be used for onetime payments and you are able to schedule payments up to 45 days in advance.
Your loan account number will be required to make a payment in eXpressPay. To locate your Loan Account Number, go to Main Menu -> Accounts -> Select the loan you are paying. Take Note of the full Account Number. This will be required when logging into eXpressPay.
To make your payment, select eXpressPay from the Main Menu.
Select "Click here to access eXpressPay"
You are now accessing the eXpressPay website. You will be prompted to enter your Account Number you would like to make a payment for. The Account Number requested is the full account number you previously located. If you are paying your CCU Visa credit card, enter your current full 16 digit card number. The last 4 digits of your Social Security Number must also be entered. Select Submit.
You will be presented with a screen displaying your name, the amount due, your due date and funding options.
From the Funding Accounts, choose Bank Account (routing and account number from another Financial Institution), Debit Signature (processes the debit as a credit transaction) or Debit Pinless (processes the debit as an ATM transaction). Submit.
- Can be scheduled up to 45 days in advance. If the date is not changed, the payment will process as the date shown in Payment Date.
- The payment cannot be made for less than the amount due.
- Enter your email address before submitting your payment to receive an email confirmation.
Making a Payment with an Account Number:
If choosing to pay with a routing number and account number, please choose if the account is a Business Checking, Business Savings, Personal Checking or Personal Savings account. Enter the Routing (ABA) Number and Bank Account Number into their fields. Verify the amount to pay. Select Continue.
Making a Payment with a Visa/Mastercard Debit Card - Pinless:
If choosing to make a payment with a Visa/Mastercard debit card as a Pinless transaction, please choose the option for Debit Pinless on the Funding Account Information screen. This payment type will require your full 16 digit debit card number to make the payment. Please enter the required debit card information. The name listed on this screen must match the name on the card being used for payment. Verify the amount to pay. Select Continue.
Making a Payment with a Visa/Mastercard Debit Card - Signature:
If choosing to make a payment with a Visa/Mastercard debit card as a Signature transaction, please choose the option for Debit Signature on the Funding Account Information screen. On the next screen, choose the Card Type (Visa or Mastercard) in the Card Type dropdown menu. This payment type will require your full 16 digit debit card number, the expiration date and the 3 digit security code on the back of the card (CVV) to make the payment. Please enter the required debit card information. The name listed on this screen must match the name on the card being used for payment. Verify the amount to pay. Select Continue.
If you entered your email address prior to submitting the payment, you will receive an email notification when your payment processes.
Once enrolled in eDocuments, you can view the last 18 months of account statements and notices from CCU. From the Main Menu, select eDocuments. You will be directed to your electronic documents.
Select on the Document Type you would like to view.
To view all of your Account Numbers and CCU’s Routing Number, go to Main Menu -> Direct Deposit.
All of your accounts will be listed as well as their Direct Deposit/MICR Numbers. When using your account number for electronic deposit or withdrawal purposes, use the MICR number shown.
From the Contact Us link on the Main Menu, the following options will be displayed.
Call us directly at our toll free number
Send us a Secure Message
Video Chat with a CCU representative using the camera on your device
View the Mailing Address for Consumers Credit Union
Open a New Account
To open a New Account type with CCU, from the Main Menu, select Open a New Account. You will be directed to our online application form. You have the option to apply for Checking and Savings Accounts, Loans, Credit Cards or a Certificates of Deposit.
Read and agree to the Disclosure by checking the boxes and selecting Accept.
Choose the Account Type you are interested in. Each Account Type has a dropdown that will open with more options to choose from. Choose your option and select Next.
Complete Application. Once your application is completed, you will be contacted by a New Account Advisor within 1-2 business days.