Mobile Banking Should Follow You Anywhere

Let's help you manage your money on the go

Google Play Link to Mutual Federal Mobile BankingApp Store Link to Mutual Federal Mobile Banking


Feel free to call (937) 498-1195

In The Palm Of Your Hand.

Secure Card

Manage your Mutual Federal debit card with SecurLOCKTM.


Log in instantly with Touch/Face ID or a passcode.

People Pay

Send and receive money with My People Pay.


Find a surcharge-free ATM anywhere with the Allpoint Network.

Alert Bell

Get account alerts and notifications on your phone.

Mobile Wallet

Make secure purchases without your debit card with Mobile Wallet.

Magnifying Glass

Check balances, account activity, and make transfers.

Mobile Deposit

Deposit checks anywhere, at any time with Mobile Xpress Deposit.


"Mutual Federal is just your small home town bank.  It is kind of like “Cheers” where everyone knows your name!"

-Sarah K.


"Easy access. helpful, less stress, nice to check balances... I like that if I need help, I can go to Mutual and they can help me."

-Mandy & Chad H.

Woman in coffee shop on tablet

Mobile Banking Overview

With the Mutual Federal mobile banking app, you can see an overview of your accounts, view account activity, find branch locations and much more.


Hands holding bank card and cell phone

Control Your Card

Protect yourself against fraud and control your spending through your Mutual Federal mobile banking app.

Some features of SecurLOCKTM Equip include the ability to turn your card off and on, set controls and alerts by channel (in-store, online, mobile, ATM, etc.),  specify spending limits, and determine geographic locations where your card can be used.


friends sharing pizza

Send and Receive Money

Whether you're splitting the pizza, paying the neighbor to mow your lawn, or tipping the babysitter, My People Pay makes sending and receiving money both easy and secure. 


Woman in coffee shop

Deposit Checks

Turn your checks into money in the bank with your phone camera and our mobile banking app. You'll never have to worry about getting to the bank on time again.


Frequently Asked Questions

How do I sign up for mobile banking?

To enroll in mobile banking, you must first register for online banking through a computer or the browser app on your mobile device. 

Once successfully enrolled, download the Mutual Federal mobile banking app to your device and use your user ID and password to log in.

What controls can I set on my debit card?

SecurLOCKTM Equip allows you to:

  • Turn your Mutual Federal debit card on and off completely or by channel (such as in-store, online, mobile, ATM, etc.);
  • Set spending limits on your debit card to help you manage your spending, or as a parental control;
  • Control which merchant types your card can be used at (such as department stores, gas stations, restaurants, etc.);
  • Receive alerts and transaction history;
  • And elect to receive a notification every time your debit card is used. 

How does Mobile Xpress Deposit work? Are there limits?

In order to use mobile check deposit, your account must be open for at least 30 days, and you cannot have more than two overdrafts in the current statement cycle or six overdrafts within the prior 12 months. Checks to be deposited into Mutual Federal accounts must be made payable to the account owner. 

Above your signature endorsement on the back of your check, write "For Mobile Deposit Only, Mutual Federal". Next, log into your mobile banking app, click the "+" to navigate to Deposits, and follow the on-screen instructions. 

Mobile deposits are limited to $2,500 for one day, or $3,500 over a period of five consecutive business days. Any items presented in excess of the limits will be returned at the bank's discretion. 

We advise customers to retain the paper copy of the check for at least 30 days after making the mobile deposit.

Is mobile banking secure? What if my phone is lost or stolen?

Yes, the mobile banking service utilizes best practices such as HTTPS, 128-bit SSL encryption, device profiling, biometric or password access and application time-out when your mobile device is not in use. Only the devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your device.

In the event your mobile device is lost or stolen, the service can be immediately disabled by either signing in to online banking and accessing the manage mobile banking settings under the customer service tab or by calling us.