Electronic & Digital Services

Mountain Credit Union offers a variety of electronic services FREE of charge to our members. All information is secured with your personal User ID and password.

  • Signing up for our electronic services can often save you money on fees that are charged if you submit an over-the-counter request for the service
  • Access your account on weekends of holidays when your credit union's lobby is closed. 
  • Convenience for those who prefer to transact business remotely with Mountain Credit Union.

Submit Your Contact Information Here - A Representative Will Contact You To Assist You In Signing Up For Our Free Electronic Services


MCU Mobile Digital Online Banking

Our goal is to make your financial experience smooth, secure and the same on all your devices.  That’s why Mountain Credit Union has upgraded our digital banking suite which is offered to our members free of charge.

You can access your account no matter where you are or what device you want to use.  You can:

  • VIEW your balances
  • VIEW your statements
  • TRANSFER funds
  • DEPOSIT checks remotely, and more
  • GET ALERTS
  • ASK FOR HELP by having a digital conversation with support staff

And it’s all in one convenient place.  Whether you’re on your laptop, smartphone or tablet, you can stay connected to your account.

Here is what you need to know to log in to your MCU Online and MCU Mobile:

  • Your username and password for online and mobile banking.  You will need to log in with this information before you can use features like Touch ID or Face ID.  If you don’t remember your login credentials, contact your Member Service Representative.
  • When using the new MCU Mobile for the first time you will be automatically asked to download the new version.
  • If you use bill pay, your existing bill payments and payees will automatically copy to the new system.

MCU Mobile

Today’s smartphones have more processing power than the computers NASA used to put a man on the moon.  And, now you can put that power to work for you.

Download the MCU Mobile app today by searching for MountainCU Mobile in the app store.

Using the MCU Mobile app you can:

  • Check recent transactions
  • Transfer money
  • Pay bills or pay a loan
  • Get alerts when payments and deposits are made
  • Get notified when your balance is low

You can even deposit checks while you’re out and about and get account alerts sent right to your mobile device.  It’s a powerful and portable way to bank.

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Mobile Banking Advanced Card Controls Email

When it comes to security, the MCU Mobile app has you covered.  That’s because this powerful, portable app has Advanced Card Controls that put you in charge of who uses your Mountain Credit Union Mastercard credit and debit card and how they use it.  And it’s as easy as a tap on your phone.

With Advanced Card Controls, you can:

  • Turn your Mountain Credit Union Mastercard credit or debit on and off it it’s lost, stolen or being misused
  • Get instant alerts when your Mountain Credit Union Mastercard credit or debit is used
  • Set dollar limits to keep spending in check
  • Prevent transactions that don’t match your settings
  • Use geolocation to limit where your Mountain Credit Union credit or debit card can be used

It’s just another way the MCU Mobile app helps you safely and securely manage your money.

Get Live Member Support When You Need It

Available 8:30 am until 4:30 pm Monday - Friday

Now you can get live customer support from MCU Digital Banking Suite no matter where you are. That’s because your account has a useful new chat feature — it’s called Conversations.

Here’s how it works: If you see a transaction that doesn’t seem right, just click on the “Ask Us About This Transaction” button. Type in your question and Conversations will connect you directly with our support staff.

They can see exactly which transaction you’re asking about, so you get answers fast. You can even ask about a previous Conversation if you need to follow up. That way, you can put your mind at ease — without a phone call or trip to the bank.

It’s safe, it’s secure, and you can chat with a real person.

Best of all, Conversations is already built into your account. You can access it on your phone, tablet, or computer. You can log in and give it a try today.

Log into MCU Online or open your MountainCU Mobile App to get started.


What is MCU Mobile Digital Wallet?

MCU Mobile Digital Wallet is a way to carry your credit card or debit card information in digital form on your mobile device. You can pay with your smartphone or tablet instead of using the plastic debit or credit card. Your transactions are quick, secure, and convenient. 

Click For More Information


MCU Money Manager

MCU Money Manager is your free online money management platform.  YOu can view all of your financial accounts in one place, even if the accounts are from other financial institutions.  Create custom budgets, set up account alerts with email or text messages, track spending, and set financial goals.  Money Manager is accessed through MCU Online or MCU Mobile App.


MCU ON-CALL Audio Response System

Mountain Credit Union’s audio response service allows members to access account information by calling toll free 877.699.6328 or in Haywood County 828.456.6474. This is a voice response or touch tone system that is menu driven. To ensure security of your account information a personal identification number [PIN] is required for access. Ask your Member Service Representative to sign you up for MCU On-Call.

Click here for the Audio Response Instructions


MCU BillPayer

SAFE, SECURE, FAST, FREE! Paying bills just got easier with MCU BillPayer. You can pay all of your bills from the comfort of your home or office. Imagine, at the touch of a button all your bills can be paid without buying a stamp or mailing an envelope. Once you’ve used BillPayer, you will never want to go back to writing checks to pay your bills. BillPayer allows you to pay your bills through your personal computer. You can schedule onetime or recurring payments. Payments can be made to any payee, and you can view the payment history on your personal computer. Best of all – it’s FREE!  BillPayer is available through MCU Online and MCU Mobile App.

To use MCU BillPayer, you must:

  • Have a personal computer with Internet access
  • Enroll in MCU Online Access*
  • Have a checking account with Mountain Credit Union

To enroll, contact a Member Service Representative at your local branch office. If you’re already signed up for MCU Online, you can sign up for MCU BillPayer automatically by signing on to MCU Online, clicking BillPayer and following instructions to auto enroll.

Bill Pay Support Line:
1-800-238-4401


MCU Mastercard Debit Card

MCU Mastercard Debit Card allows you to withdraw funds from an ATM or use to purchase items at any merchant that accepts Mastercard.  The funds will be debited directly from your checking account.  MCU Mastercard Debit Card can be instantly issued at all of our Mountain Credit Union offices.  There's no need to wait for a card to be mailed to you.


MCU Mastercard Credit Card

MCU Mastercard Credit Card allows you to make purchases or cash advances anywhere Mastercard is accepted (within the US).  Monthly payback terms apply.


Snap-A-Check

Snap-A-Check allows you to take a photo of a check and submit to Mountain Credit Union for deposit.  Snap-a-Check is available through MCU Online and MCU Mobile App.                 Click For More Information


Automated Teller Machines (ATMs)

ATMs are located at each of our Mountain Credit Union offices.  ATMs at all offices will dispense cash.  The ATM located at our Waynesville facility not only dispenses cash, but also accepts deposits.


Drop Boxes

Drop boxes are available at all of our offices with the exception of Waynesville.  The drop-box is in the drive-thru window area and documents or payments can be left in the drop box 24 hours a day/7 days a week.


Direct Deposit

How To Locate Routing Numbers and MICR Numbers On Your Printed Checks to help you in setting up Direct Deposit or Preauthorized Drafts.

Direct Deposit is the electronic transfer of your paycheck, Social Security benefit, pension, annuity check, or other payment into your account. Your entire paycheck can be automatically credited toward any combination of your Mountain Credit Union accounts each pay period. Direct Deposit increases the safety and convenience of processing your check, eliminates waiting in payday lines, and makes your funds instantly available. With Direct Deposit, your money is protected. Government agencies have rules in place to protect you in case of error. Direct Deposit is also more confidential because fewer people are involved in processing your payment.

To sign up for Direct Deposit you should notify your Human Resources or Payroll Department. They will provide you with a form to complete or you can click here access the Mountain Credit Union Payroll Deduction/Direct Deposit Authorization Form. Your employer will determine your direct deposit start date based on its payroll processing.

Your employer will need the following information:

  • Your Mountain Credit Union routing number/ABA – 253174576
  • Your savings account number as it appears on your statement for deposits to savings
  • Your 9 or 13 digit checking account number printed at the bottom of your checks for deposits to checking. Your employer may request a voided check.  (Please note:  checking accounts opened prior to July 18, 2016 will have a 9 digit MICR number - checking accounts opened after July 18, 2016 will have a 13 digit MICR number) 

How To Locate Routing Numbers and MICR Numbers On Your Printed Checks to help you in setting up Direct Deposit or Preauthorized Drafts   

To have funds go to a combination of accounts at Mountain Credit Union you will need to complete a Payroll Deduction/Direct Deposit Authorization Form and return it to a Mountain Credit Union Member Service Representative. You can specify amounts to go to Savings, Checking, Christmas Club, and other savings accounts and you can automatically make loan payments.


Automatic Transfers

You can schedule recurring transfers between deposit accounts or create an automatic loan payment. You can transfer between accounts with proper authorization and set up. This could be beneficial if you have a child attending college or wish to segregate funds for any reason. Click here to access the Mountain Credit Union Automatic Transfer Authorization form. You should complete this form and return it to a Mountain Credit Union Member Service Representative.


Wire Transfer Instructions

Wire To:

Vizo Financial Corporate Credit Union

7900 Triad Center Dr., Ste 410

Greensboro, NC 27409

ABA/Routing Number - 231387550

Beneficiary:

Mountain Credit Union

1700 Russ Avenue

Waynesville, NC 28786

Account Number - 253174576

Final Credit:

Member's Name & Account Number

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