Digital Banking Guide

Everything you need to get started with Digital Banking

 

 

MFDB-logo-colorWelcome to a New Level of Service

We are excited to bring you our next innovation in technology and service, Mutual Federal Digital Banking. Digital Banking has a great array of options at your disposal in online banking. Many of those features you may have never seen before. In the following sections, we hope to guide you through Digital Banking and all its amazing services.

Digital Banking Login

If you are already a user of Mutual Federal's online banking, you don't need to enroll again. If you are a new Mutual Federal customer and/or have never used Mutual Federal's online banking, start with our Enroll section.

Enroll

This section is only for customers who have never used Mutual Federal online banking and are enrolling in Digital Banking for the very first time. If you've used our online banking previously, there is no need to enroll again.

  • To enroll in Mutual Federal Digital Banking from your desktop, laptop or tablet, go to MutualFederal.com/enroll
  • You can also visit one of our branches, and we’ll help you enroll.

You only need to enroll Mutual Federal Digital Banking on one device. After you enroll, you can log in to your account from any device.

 

Desktop Login

Use the following steps to log in to Digital Banking.

  1. Log in using your username and password.

  2. Select how you'd like to receive a secure access code (six digits). You can choose text, email, or call depending on the information we have on file for you. Notice incorrect information? Please call your local branch!

  3. Enter the 6-digit access code you received. 

  4. Review your profile information (if logging in the first time).

  5. Choose to register your device or not. (If you're on a shared device or shared network, we suggest not registering the device.)

  6. Lastly, you'll review the first time disclaimer (if logging in the first time), approve it and you'll be taken to your Digital Banking homepage.

Note: If you have set up your browser to clear your browser's cookies and cache, you will be required to receive a new secure access code each time you visit. (2-step verification)

Mobile App Login

Get the App!

Search for "Mutual Federal Digital Banking" in the respective store or use one of the links below (from your phone or tablet).

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From your desktop, use the camera on your phone or tablet with one of these QR codes.

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Look for the stylized Mutual Federal icon!

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Logging in to the Mutual Federal Digital Banking app works very much like logging in to the desktop. But the app will offer a few additional login options, once set up. (See Mobile Login Options section, below.)

  1. Login using your username and password.

  2. Select how you'd like to receive a secure access code (six digits). You can choose text, email, or call depending on the information we have on file for you. Notice incorrect information? Please call your local branch!

  3. Enter the 6-digit access code you received. 

  4. Review your profile information (if logging in the first time).

  5. Choose to register your device or not. (If you're on a shared device or shared network, we suggest not registering the device.)

  6. Lastly, you'll review the first time disclaimer (if logging in the first time), approve it and you'll be taken to your Digital Banking homepage.

Mobile Login Options

Fingerprint/Touch or Face ID

Depending on your device, you might see an option for "Face ID", "Touch ID", or "Fingerprint", on the mobile app login screen. Touch this link if you want to setup a biometric login option. 

Passcode

You can setup a 4-digit passcode to conveniently bypass the normal username/password login. Touch the passcode link on the mobile app login screen to set it up. *This option is only recommended if you also use the lock feature on your device. 

Digital Banking Services

We're excited to bring you the following services within Mutual Federal Digital Banking.

Bill Pay

With Mutual Federal’s Bill Pay you are able to pay your bills in just a few clicks, saving time and postage. In addition, you can set up recurring payments for monthly bills. Once your list of payees is set up, you will be able to:

  • Make online payments to companies or individuals, setting up the amount to pay and the day it must be received.
  • Set up recurring payments
  • View scheduled payments
  • View payment history

CardSwap

Apply and monitor your debit card information across all your favorite subscriptions and digital point of sale services in a single workflow. CardSwap allows you to update all your favorite digital services, like Netflix, Amazon, and more* in one convenient place, using one payment method. This makes it easier to replace lost cards, or to open and use new accounts. 

Q:  How does CardSwap work?

Enter your Mutual Federal card information once, enter login credentials for your subscription services, and the new preferred payment information is automatically tested and applied in real time. It takes only 24 hours for these updates to be made across services.

Q:  Does Select CardSwap work for both debit cards and credit cards?

Yes.

Q: What are some of the companies that you can swap payment methods?*

  • Amazon
  • Netflix
  • Hulu
  • iTunes
  • Spotify
  • HBO Now
  • Squarespace
  • Pandora
  • Adobe
  • Vivint
  • 24 Hour Fitness
  • ADT
  • Playsation Network
  • Sling
  • Dollar Shave Club
  • Macy’s
  • Birchbox
  • Crunchyroll
  • CBS
  • SoundCloud
  • Blue Apron

*None of the listed companies are associated with, sponsor, or endorse this product.

Online Account Opening

No need to stop by in-person to open your personal deposit accounts, you can now open them online in a matter of minutes.

Personal Financial Management

No need to have multiple online accounts with multiple bank and credit card relationships. Create and review unlimited budgets, view spending over time and calculate your net worth by aggregating all your financial accounts into one dashboard.

Card Control – Coming Soon!

**COMING SOON**

Card Control is a debit card management and fraud mitigation tool for Mutual Federal debit cardholders. Rest assured, you can manage your debit card usage by defining when, where, and how your card is used. You can also turn your debit card on or off at any time.

Card Control is a companion app and can be accessed through your mobile device. In addition, Card Control has features to help you control your debit card such as setting limits on a variety of activities.

Some of the key benefits include:

  • Actively manage your money
  • Set limits for merchant categories (gas stations, department stores, grocery, travel, etc.)
  • Location based security
  • Debit card activity alerts
  • Parental control of child spending
  • Business spending policy compliance

Card Control is available on Android and Apple!

Goal Setting – Coming Soon!

Saving for special projects, vacations or long term initiatives is seamless with our Goal Setting tool. Create short and long-term saving goals with the ability to fund and manage them within your online banking account. No need to open a separate account to accomplish this! Our Goal Setting tool allows you to create sub accounts within your account to easily transfer money to.

People Pay – Coming Soon!

**COMING SOON**

Paying people can be handled seamlessly by using Mutual Federal’s People Pay. Sending payment via People Pay using your mobile device is a fast, convenient, and secure method.

You Can Use People Pay to:

  • Pay your roommate back for shared rent or household expenses
  • Send cash to a niece or nephew in college
  • Pay back a friend for lunch or concert tickets
  • Make sure the soccer team dues are paid in time for next week's game

Here's How It Works:

Sending Money

You can send money to almost anyone with an email address or a mobile number. The person will receive a notification with instructions on how to claim the money.

Receiving Money

You can do this two ways:

  1. Refer to the notification that was sent to your email address or mobile number.
  2. Simply go to the "Incoming" tab in People Pay.

Transfers Happen Fast!

Certain transfers you make using People Pay can happen in real-time, instantly. If your transfer can't be processed immediately, it will generally process between one and three business days.

Using People Pay is Free!

Digital Banking How-To

There are many features and tools available in this new digital experience. Please review this helpful how-to section to help navigate through our new online banking system.

The online desktop and mobile app experiences are designed to be very similar for ease of use no matter which you're on. The instructions below pertain to both environments except where noted. 

Login Process & Device Registration

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  1. Enter your ‘Login ID’ and ‘Password’.
  2. Select ‘Log In’.
  3. Select the target to where you would like to have a secure access code delivered.
  4. Enter the secure access code in the box once it has been received.
  5. Select ‘Submit’.
  6. Enter a new password twice for validation.
  7. Select ‘Submit’.
  8. Review the ‘First Time Login Disclaimer’. Scroll to the bottom of the screen to accept.
  9. Select the appropriate registration option. Are you at a private computer that you will use regularly to access online banking? If so, we can register your browser for future access. If you are at a public computer, select 'Do Not Register Device' and this computer will not be registered.
    Note: To register your computer, we will place a Secure Token in your browser. Your PC must be configured to accept 'cookies' from this site. The next time you log on, you will only need to enter your User ID and password. The number of allowable registrations may be limited for the security of your account.

Home Page Reference Guide

  1. View a listing of accounts accessible within Digital Banking.
  2. A shortcut to transfer funds is located in the top right corner of the screen.
  3. Click the ‘Link Account’ button to pull in information from your other financial institution accounts.
  4. Select the Personal Finance Manager Tools to manage your finances.
    a. Spending
    b. Budget
    c. Trends
    d. Net Worth
    e. Debts
  5. Select the ‘Options’ icon (three ellipses) next to each account to reveal multiple available quick actions.
  6. Select and drag any account to the envelope icon which appears at the bottom right side of the screen to create a new account group.
  7. The new group created can be renamed by selecting the pencil icon. Additional accounts may be dragged into the new group or additional groups created.
  8. NOTE: Additional account(s) may be moved into the newly created group or additional group(s) may be created if needed by repeating step 6.
  9. Click on the pie graph at the bottom of the screen to view a distribution of funds across accounts accessible within Digital Banking.

Account Detail & History

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  1. On the ‘Home’ screen, click on an account to view a listing of the details and transaction history associated with the account.
    NOTE: Click the ‘Details’ tab to display the account details.
  2. Select the ‘Filters’ icon to view the various search criteria for transaction history.
  3. Select ‘Apply Filters’ once the desired options have been selected.
    NOTE: A listing of historical transactions associated with the account are listed on the screen. The newest transaction will appear on top by default.
  4. Select the ‘Export’ icon to display a listing of available formats. The export will include all transactions specified in the filter by the user.
  5. Select the ‘Quick Transfer’ icon to perform a quick transfer.
  6. Select ‘Options’ (three ellipses) next to a listed transaction to display available actions.

Transfer Funds Between Accounts

transfer-screen
  1. Select the ‘Transfer Money Now’ button from the top right corner of the screen.
  2. Select a ‘From’ account.
  3. Select a ‘To’ account.
  4. Enter a dollar amount
    NOTE: To setup a recurring transfer, follow the steps in the ‘Recurring Transfers’ section beginning on the next page.
  5. Select a ‘Transfer Date’ for the transaction
  6. Enter a Memo for the transaction. (Optional)
  7. Click ‘Transfer Funds’ to complete the transaction.

Recurring Transfers

recurring
  1. Select the desired frequency from the dropdown menu.
  2. Select the desired ‘Repeat Duration’.
    a. Forever (Until I Cancel)
    b. Until Date (Set an End Date)

Secure Messaging

secure-message

The ‘Secure Messaging’ feature is a secure messaging function which allows for two-way communication between the Digital Banking user and First Bank. The message is delivered securely within the Digital Banking system and not via email.

  1. Select ‘Secure Messaging’.
    NOTE: A number will display in red to indicate if there are any unread messages.
    NOTE: Both incoming and outgoing messages will appear in the column directly to the right of the menus in descending date order (newest on top).
  2. Click pencil icon on the right side of the screen.
  3. Select the desired ‘Message recipient’ from the drop-down menu.
  4. Enter the desired ‘Message Subject’ and ‘Message’.
  5. Click the ‘Attach a file’ link to attach a file or document if desired.
  6. Click ‘Send message’ at the bottom of the screen to submit the message to First Bank.
  7. Select the arrow icon beneath the pencil to reply to a secure message or the trash bin to delete the message.

Business Instructions

Here are some of the common processes for our Business Customers. 

ACH Instructions

ACH

  • Commercial
  • Payments
ach01
 
  • You can choose “New Payment” or the toggle action to “Pay” or “Collect”
ach02
 
  • Choose funding account, effective date and enter in the dollar amount.
  • Draft, Submit or Approve
ach03
 

If you need to approve a transaction, it will be in your Activity Center.

  • Transactions
  • Activity Center
  • Check mark box or use the toggle action
ach04

Managing Users

Manage Users (Admins only)

  • Commercial
  • Users
  • Add a user on the top right
  • Edit a user with the pencil icon to the right of their name
users01

Stop Payments

Stop Payment

  • Services
  • Stop Payment
  • Fill in required information
  • Click “Request stop payment” at the bottom to submit
stop01


(fee may be applied)

Transfers and Loan Payments

Transfer & Loan Payment

  • Transactions
  • Funds transfer
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  • Chose “from” account
  • Chose “to” account
  • Dollar amount
  • Frequency
  • Transfer date
  • Memo option
  • Click the blue “Transfer Funds” to submit
trans02

Wires

Wire

  • Commercial
  • Payments
wire01
 
  • You can choose “New Payment” or the toggle action to “Pay” or “Collect”
wire02
 
  • Input all required information
  • Draft, Submit or Approve
wire03
 

If you need to approve a transaction, it will be in your Activity Center.

  • Transactions
  • Activity Center
  • Check mark box or use the toggle action
wire04

Digital Banking System Requirements

Digital Banking is an advanced online banking technology that works with the latest and greatest technology options as well as some previous versions/operating systems. Take a look at our list for minimum system requirements.

Desktop Browsers

You should be able to use any modern browser to enjoy a full desktop banking experience with Mutual Federal Digital Banking. 

If you are using Internet Explorer, we strongly urge you to seek a new alternative. IE will soon be retired by Microsoft and does not support many of the features and functions of the modern Web. Chrome, Firefox, Edge and Safari (Mac) are all easily recommended. 

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Mobile Browsers

Although our new online banking platform will basically work in a mobile browser, we urge you to seek out our actual mobile app instead. There are some features that are specific to the app, and your experience will generally be better using the app on your mobile device. 

google-play-button app-store-button

Operating Systems

For desktop, we recommend Microsoft Windows 10 or Mac OS X 10.10, as minimums.

For mobile, ensure that you are using Android 5.x and later or iOS 12.x and later for best performance and security.

Need Help?

If you have any questions regarding your account, please call (937) 498-1195 for support.

Thank You!

We'd like to thank you for being our customer and using Mutual Federal Digital Banking.

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