Online/Mobile Banking Instruction Guide - Franklin Mint Federal Credit Union
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Online/Mobile Banking Instruction Guide

    Starting Your Online Banking with FMFCU

  • New User Guide Step by Step

    Follow these steps to login:

     

    1. At FMFCU.org or on the Mobile Banking app, click on the “New User” link.Online Banking Official Login - Only login from FMFCU's Home Page for your security
    2. Complete the Online Enrollment form.
      Online Banking Enrollment
    3. Choose a password.
    4. Elect where you would like to receive your Secure Access Code.Get your Secure Access Code by selecting a number on file
    5. Once you receive the code, enter it on the next screen.Enter your Secure Access Code
    6. Register your device if on a network you trust. We recommend that you do not register if on a shared public wifi.Register Your Device if on a private computer. You may not want to register when using public wifi.

– VIDEO TUTORIALS –

    Navigation and Layout

  • Main Screen

    Online Banking Navigation

    1. For account transaction history, click the account name to view the Account Details screen. From here you can view transaction details by clicking the transaction.
    2. You can scroll through Account Summary by clicking Next or Previous at the bottom of the summary box.
    3. Click the Edit button, and you will be directed to Account Preferences where you can modify the nicknames of accounts and the order in which they appear. The Print button will print a quick summary of your current available funds in all accounts.
    4. If you are in a hurry, there is an option for easy access tools in the top right corner. These Quick Link options allow you to swiftly transfer money or apply for a loan.
  • Account Details

    From your Home Page, click on an account for more information.

     

    Account Detail

     

    1. For account transaction history, click the account name to view the Account Details screen. You can view transaction details by clicking that transaction.
    2. If you click on the icon associated with the transaction, it will allow you to view the image of a check or deposit slip.
    3. Click the icon to print the transaction you are viewing.
    4. If you choose to Show Filters, you can sort particular transactions to view, export, or print.
    5. Once you’ve made your selections, click Apply Filters.
    6. Click the icon to print your filtered transactions.
    7. When working from your computer, you can also Export a list of transactions.
  • Money$mart - Budgets, Spending, Trends and more!

    With our new Online Banking and Mobile Banking platform, you now have a built in personal financial management tool integrated on your home screen.

     

    When you link in all of your external accounts from other financial institutions like credit cards, investments, and retirement accounts, a clearer and more complete financial picture become apparent to you with these tools.

     

    Get your net worth, generate a budget to help you stay on track, understand what you’re are spending your money on, view trends, and get control of your debts. Please note more tools are available on the desktop version than mobile.

     

    Money$mart Navigation

     

    These are awesome free tools we hope you take advantage.

     

  • Secure Messaging

    Messages allows you to communicate securely with FMFCU. Check here for alerts, replies to your inquiries, and Credit Union communications.

     

    To View Messages:

     

    1. Messages are listed on the left side of the screen. Click the message that you would like to read, and the entire message will appear on the right.
    2. If you would like to delete a message, click the icon, or you can reply to a message by clicking the icon. Both icons are located in the upper right corner of a message.
    3. Create a new message by selecting New Message.
    4. Messages automatically expire after a certain period of time. A message can be saved indefinitely by clicking the check box by “This message should never expire.”

     

    Secure Messages

    • Transactions

  • Funds Transfer

    In the Transactions tab, click on Funds Transfer.

     

    1. Select the accounts that you wish to transfer funds From and To using the drop-down menus.
    2. Enter the dollar Amount and Date to process the transaction.
    3. If you wish to set up a recurring transaction, click the check box “Make this a recurring transaction.” New input fields will appear, and you will need to specify the Frequency and Date range for this transaction. You can choose to make this transaction Repeat Forever by checking the box under Frequency.
    4. When you have finished entering all of the needed information, select
      Transfer Funds.
    5. If successful, a screen with an overview of your transaction appears. All funds transfers appear in Online Activities, whether dated immediately or for the future. You can view them at this time, or you can click Close and review them at your convenience.

     

     

    Note: You can view or cancel unprocessed transactions by accessing the Recurring Transfer tab within Online Activities.

  • Member-to-Member Transfer

    With the Member-to-Member Transfer feature, you can send money to any member of FMFCU who has Online Banking. If this is someone that you regularly send money to, you can link their account for deposit purposes.

     

    Member to Member Transfer

    To Send Money to a Member of FMFCU:

     

    1. In the Transactions tab, click on Member to Member.
    2. Choose whether you are making a Single Transfer or if you would like to
      Link Account for future use.
    3. For a Single Transfer, use the drop-down to choose the From Account where funds will be taken out of. Enter a Description of the transfer in the provided box.
    4. Enter the required information for the person you wish to receive the funds.
    5. Click Submit.
    6. If you would like to link this account for future use, click Link Account on the first window. Fill out the requested information, then click Submit.
  • Online Activities

    The Online Activities shows transaction activity initiated through Online Banking with FMFCU. Depending on the type of account and your accessibility, you can review, approve, and cancel unprocessed transactions. You can view the status, type, amount, date of activity, and account of debits and credits from single and recurring transactions.

     

    Online Activities

     

    In the Transactions tab, click on Online Activities.

    1. You can choose to view Single Transactions, Recurring Transactions, or Deposit Checks by clicking on the appropriate tab at the top.
    2. Click on a transaction to view more details.
    3. Click Show Filters for additional search options.
    4. Click Apply Filters when you are satisfied with your filter criteria.
    5. Select Actions to perform additional functions, such as choosing to Copy a transaction.
  • Quicken/Quickbooks Instructions

    To download transactions into a money manager, click on the Export icon (arrow facing down) on the transaction page one of your accounts.  Online Banking supports Spreadsheets (.xls, .csv), Microsoft OFX, Quicken, and Quickbooks.

     

    Export to Money Managers like Quicken

     

    Quicken and Quickbooks users can also utilize Express Web Connect to download transactions automatically. Simply add Franklin Mint Federal Credit Union when setting up your account and follow the prompts*.

     

    *Please note that due to security updates and for your protection, any new external transfers you set up require Online Banking to verify. These transfers use microdeposits to validate, and will not show correctly in the register in your software for your protection. However, they are correct in FMFCU’s official Online/Mobile Banking platforms and you should validate them there. 

  • Add an External Account

    In order to transfer funds to an account outside FMFCU, you can use the External Accounts feature. This ensures your ability to make fund transfers to the outside account by integrating it into one, simple location.

     

    To Add an External Account

    In the Transactions tab, click on Add External Account.

     

    Adding External Accounts

     

    1. Enter the Account Number and the financial institution’s Routing Number
      in the spaces provided. These numbers are located at the bottom of a paper
      check or deposit slip from your check book.
    2. From the drop-down menu, choose the Account Type.
    3. Click Continue. In two to three business days, you will receive two microdeposits in the external account to show that the process has been initialized. Once you receive those deposits, go to the Verify External Account tab to enter the amounts and activate your external account.
  • Verify an External Account

    Once you request to add an external account, check the history of that account
    and locate the two micro-deposits that have been made. You will then be asked to
    provide those amounts, which verifies your ability to make transfers and proves
    your ownership of the outside account.

     

    To Verify an External Account:

    In the Transactions tab, click on Verify External Account.

     

    Verify External Accounts

     

    1. To begin, select the Account you would like to verify.
    2. Enter the amounts of the micro-deposits that have been made in your external account.
    3. Click Continue.

    Services

  • Address Change

    It is important to maintain current contact information. Address changes are intended to only change the address of the registered online banking user. Any other household members must complete their own address change form by logging in with their own credentials or by visiting a branch.

     

    In the Settings tab, click on Update Contact Info.

     

    1. Update your contact information.
    2. Click Submit when you are finished.

     

  • Deposit Checks via AnytimeDeposit

    AnytimeDeposit is easier and more convenient than making a trip to a branch, and frees you up to manage your busy life.

     

    AnytimeDeposit is secure, easy to use and convenient.

     

    • Under Transactions, click on Deposit Checks.
    • Deposit eligible checks directly into your account using your Android or Apple mobile device.
    • Take photos of the front and back of your check and submit. It’s that easy.
    • Get confirmation on your phone for each successful deposit.
    • You can save time and money with fewer trips to an ATM or branch.
    • $4000 daily check limit.

     

    IMPORTANT NOTE:

     

    Please endorse your check like this:

    Mobile Deposit Endorsement - Please write For Remote Deposit with FMFCU

     

    Failure to do so will void the transaction.

  • Online Statements

    FMFCU statements will look similar after the System Enhancement. However, your account detail may appear different. Look for easy to read account summaries, transactions and balances.

     

    If you have multiple member numbers, they will be stacked under each individual number.

  • Send Money with Zelle

    FMFCU’s Send Money with Zelle®, allows you to send funds to another person from within Online Banking and Mobile Banking. All you need is the person’s email address or mobile number, access to Online or Mobile Banking.

    More Info and FAQs

     

    How to start using Zelle®

    1. Enroll or log in to Online or Mobile Banking
    2. Select “Send Money with Zelle®“ under the Menu
    3. Accept Terms and Conditions
    4. Select your U.S. mobile number or email address and deposit account

     

    That’s it! You’re ready to start sending and receiving money with Zelle®.

  • Stop Check Payment

    Using Online Banking with FMFCU you can initiate a Stop Check Payment request from any device. You can review the status of your request in the Activity Center. The stop payment, once confirmed, will remain in effect for six months. The current fee for a stop payment is listed on our Fee Schedule.

     

    To Initiate a Stop Payment Request:

     

    Stop Payments

     

    In the Services tab, click on Stop Payment.

     

    1. Choose Request type, either single or multiple checks.
    2. Click on each category header on the left to select an Account, enter a Check Number, Amount, and choose the Date of the check.
    3. Be sure to click Save when changes are made.
    4. When complete, click Send Request.

    Settings

  • Alerts

    You can create and manage alerts to remind you of important dates, warn you about the status of your accounts, and tell you when certain transactions occur. When you create an alert, you specify the conditions that trigger the alert as well as the delivery option to receive that alert. All alerts will automatically be sent to your Online Banking account via Secure Messages, regardless of the additional delivery preferences you have chosen.

     

    You can create specific Date, Account, History, Insufficient Funds, Transaction,
    and Security Alerts and edit their delivery methods.

     

    Delivery methods include:

    • Secure Message within Online Banking
    • Email
    • Phone Call
    • SMS Text Message

     

    To Set Up A New Alert:

     

    In the Settings tab on the left menu, click Alerts.

     

    1. To create a new alert, click the New Alert drop-down. Choose the kind of alert that you wish to create from the drop-down. A new screen will appear where you can enter the necessary information. Be sure to click Save when you are finished.
    2. To view the alerts for each category, click the category header.
    3. You can easily turn an alert On/Off without deleting it by toggling the Enabled button.
    4. To view or change details of an already-existing alert, choose the Edit link on the right end of the one you would like to edit. Be sure to click Save after you change any alert details.

     

    Alerts - Date, Account, History, Online Transaction

     

    For example, to CREATE A TRANSACTION ALERT, do the following:

     

    Step 1 – Select Alerts under Settings (left hand navigation)

    Settings - Alerts

    Step 2 – Select History Alert from the New Alert menu

    Step 3 – Choose an account from list of accounts (attached to the card)

    Step 4 – Choose Debit Transaction from list

    Step 5 – Choose “greater than” from list

    Step 6 – Set a tolerance amount (member selects threshold – can be $.01)

    Step 7 – Select a method for delivery (email, phone, text or secure message)

     

    Results will appear similar to this:

    History Alert Example

     

  • Themes - English and Spanish versions available

    FMFCU Online Banking includes some great themes to choose as your background. We’ve even created our very own “Philly Proud”, an awesome later afternoon panoramic view of the city behind the Schuylkill River.

     

    Plus, members have the option to view Online and Mobile Banking in Spanish!

     

    CHANGING THE THEME 

    1. To change the theme, select “Settings” from the left sidebar menu and then “Themes.”

     

    Settings - Themes

     

    2. Themes are defaulted to English. Simply choose a Theme from the library and your theme will change.

    3. If you would like the Spanish version* of a theme, just select a Theme and then from the drop-down menu, click “Spanish.”

     

    *Please note: Not all sections are translated to Spanish

  • Security Alerts

    Security Alerts let you enable specific alerts to keep you informed of changes to your account and Online Banking profile. Alerts can be delivered via Secure Message within Online Banking, email, SMS text message, or phone call.

     

    To edit Security Alerts and their delivery preferences:

     

    1. In the Settings tab, click on the Alerts tab, then click Security Alerts.
    2. To activate or deactivate an alert, click the On/Off button that corresponds
      with the appropriate one.
    3. To edit delivery preferences, click the Edit Delivery Preferences link at the
      top. These changes will apply to all Security Alerts.
    4. Enter the information for your preferred delivery method.
    5. Click Save when you are finished.
    6. If an alert is grayed-out, you cannot edit or disable it.
  • Security

    User Identification and Password

     

    Security starts at your computer. Never share your Login ID or password with anyone, and always keep your login information in a safe place. To make your passwords hard to guess, avoid using your pet’s name, hometown, or other personally identifiable choices and combine random numbers instead of using your birth date.

     

     

    Online Banking Safety Tips:

     

    • Ensure your web browser, operating system, anti-virus software, and other
      applications are current and support 128-bit encryption.
    • Memorize your passwords and change them regularly.
    • Exit your Online Banking session when finished.
    • Do not leave your computer unattended when logged in to Online Banking.
    • Do not access Online Banking on public computers or unsecured Wifi networks.
    • If you receive an error when logged in to your account, report the error to a Member Relationship Advisor at 610.325.5100.
  • Text Banking

    Need a quick balance, transfer or history? Text Banking is lightning fast for those simple banking needs.

     

    For example, if you need a balance, just text BAL to 226563. Instant balance is texted right back to you within seconds. It’s very convenient without ever having to login to the Mobile App.

     

    ENROLL

    In Online or Mobile Banking, just enroll under Settings. Enter your mobile phone number, agree to the terms and you’re all set. You’ll receive a welcome text to start.

     

    Text commands are:

    BAL – provides balances for all accounts that are enabled for Text Banking
    BAL account nickname – provides the balance for the specified account. Example: BAL acct1
    HIST account nickname – provides account history for the specified account. Example: HIST acct1
    XFER account nickname1 account nickname2 amount – transfer the specified amount from account 1 to account 2. Example: XFER acct1 acct2 100.00
    LIST – sends a list of text banking commands
    HELP – sends a list of contact points for the Credit Union
    STOP – stops all further text message communications