Online Banking Should Be Easy

Let's get you signed up



Feel free to call (937) 498-1195

Simple and Secure.

Secure Computer

Rest easy knowing your money is safe and secure.

Alert Bell

Stay on top of your money with email and text alerts.


Pay bills with a simple click and get on with your day.

Magnifying Glass

Review and search your transaction history.

Transfer Arrows

Transfer money between your accounts with ease.


Go green and protect your identity with eStatements.


"Although Mutual Federal offers the same products as the big banks; they are your small town bank that gets to know you personally."

-Judy V.

Overview MF

Online Banking Dashboard

Get a quick overview of your accounts, see recent account activity, download banking transactions, view eStatements, and more with your online banking dashboard.

Transfer MF

Transfer Funds


Make loan payments, schedule transfers, or move money immediately between your accounts at Mutual Federal. It's your money, put it where you want it.

Make Payments MF

Make Payments

We know you're busy, use the bill pay option to pay all of your bills in one place at one time. You can even set e-mail reminders to ensure you schedule payments on time.

With My People Pay, you can send money to individuals right from your computer, so don't forget about the babysitter or the friend who paid for lunch.

Customer Service MF

Manage Your Account

The customer service tab allows you to take care of your account. From here, you can update your password, change your address, select your statement delivery method, and so much more. 

Frequently Asked Questions

What do I need to sign up for online banking?

Click "Enroll in Online Banking" at the top of the Online Banking page and complete the enrollment form. 

You will be asked to provide the following information depending on your account type:

  • ATM or Debit Card - your card number and personal identification number (PIN)
  • Checking, Savings, Money Market, CD or HSA - your account number and last statement balance
  • Loan Account or Line of Credit - account number, last payment amount and original principal amount

Upon completion, you may receive instant online access. If you have more than one account, you will also get access to your other accounts. If additional processing time is required, you will receive a notification from us by e-mail before you can access your account(s). 

What security features are in place to protect my information online?

Multi-Factor Identification increases your level of protection online. Not only will your password and user ID be recognized, but your computer will be recognized as well. If we don't recognize your computer - you've logged in from a public computer, one you haven't used before, or you have cleared your browser history/cookies - you will be prompted to enter a code that is sent to the phone number associated with your account. This step acts as an additional line of defense against unauthorized access to your accounts.

I'm having trouble logging into my online banking.

Usernames and passwords are case sensitive. Double-check that you are entering your information exactly as you created it. 

For your security, online and mobile accounts are locked if the wrong password is entered three times. If you have accidentally entered the wrong information or forgotten your username/password, contact a branch or customer service to have one of our team members unlock your account. 

How can I view/confirm bill payments?

From the Make Payments screen, you can see pending payments and the last 5 processed payments at a glance. 

If you need to investigate further, follow these steps:

  1. From your navigation links click View Bill Payment Reports.
  2. From the Reports title list box, select the appropriate report.
  3. Click Generate Report.

You can also create a new report or edit an existing report. 

Should you need further assistance, give us a call and we will help navigate your bill pay inquiries.