Locked Account
Members are only allowed three invalid attempts before their password is disabled.This provides extra security in case someone tries to guess your password.
If your account is locked, you can use the “I forgot my password” feature (located below the sign in button) and enter your security questions to reset your password yourself.
If you can’t answer your security questions correctly, contact support at 989-497-1600 to reset your questions and password. You will need to log in right away to setup a new password.
Password Requirements
Beginning April 18, 2024, Frankenmuth Credit Union’s Online Banking (OLB) and App platforms will require a 10-character password to authenticate your login. Because protecting your information is our top priority, FCU will require you to update your login password to be at least 10 characters.
- If you already have a 10-character password, that’s great! You do not need to change or edit your current password and can continue to log in to your FCU online account with no interruption
- New password is case sensitive and must contain between 10 and 256 characters and pass 3 of the 4 rules: one uppercase letter, one lowercase letter, one number, one special character
- A new 10-character password change will not affect your App PIN, Face, Thumbprint or Voice authentication settings
Password Help
Your initial temporary password upon account opening is only good for 24 hours and must be changed within that time frame. To have your password reset, call our support team at 989-497-1600.
Once your online banking is set up, make sure to login at least ONCE every 30 days or your password will expire. If your password expires call our support team at 989-497-1600 to have it reset.
Forgot Password
If you forget your password, click on ‘I Forgot Password’ inside the login widget on App or Online Banking. Or use the button below. Enter your username. Note: you must know your user name and security questions in order to update password.
Click continue. Answer your three security questions. Click ‘Proceed to change Password’.
If you can’t answer your security questions correctly, contact support at 989-497-1600 to reset your questions and password. You will need to log in right away to setup a new password.
Update Information
Update Personal Information
As life changes make sure to keep your personal information up to date to ensure you receive important correspondence from FCU. To update your information follow the steps below or use the button below to access the online form.
NOTE-ONLINE UPDATES: Since protecting your information is our top priority, FCU will require a one-time passcode to verify your identity before any updates or edits to your personal information can be completed. You can choose to have the passcode sent to your email address or your phone number on file. Once you get the code, simply enter it to authenticate yourself and proceed with changing your personal information.
APP
- Select PROFILE ICON top right corner
- Scroll to PERSONAL INFORMATION
- Choose where to receive your passcode
- Enter Code when prompted
- Update address, email, phone numbers and code word
- Make sure the first number listed under phone number is your mobile number-the primary number where text alerts can be received. Note: The number listed in the first field must be a mobile/cell number in order to receive messages/alerts
DESKTOP
- Select PROFILE ICON top right corner, member name appears next to the circle.
- Click on PERSONAL INFO AND SETTINGS
- Scroll to PERSONAL INFORMATION
- Choose where to receive your passcode
- Enter Code when prompted
- Update address, email, phone numbers and code word
- Make sure the first number listed under phone number is your mobile number-the primary number where text alerts can be received. Note: The number listed in the first field must be a mobile/cell number in order to receive messages/alerts
If your name has legally changed call/text an FCU rep at 989.497.1600
Account Nicknames
Account Nicknames
Having trouble keeping track of which account is which? Use this awesome feature to create nicknames to easily identify your accounts.
APP/DESKTOP
- From your accounts menu click on your account
- In the options menu scroll to Edit Account Nickname
Authorized Users
Authorized Users
Quickly view who has access to your account or who is listed as a beneficiary. Each account suffix may have different signers or beneficiaries listed.
APP/DESKTOP
- From the account menu click on the account suffix you would like to view
- Click Account Details
- Click More Account Details
Add Joint Owner
Adding a joint owner to your account is easy. Simply follow the steps below.
APP
- Select MORE from bottom navigation menu
- Scroll to ADD JOINT OWNER
DESKTOP
- Select MEMBER SERVICES from top navigation bar
- Choose ADD JOINT OWNER
Add/Change Beneficiary
Add/Change Beneficiary
Naming a beneficiary helps protect your financial accounts. In the event of your passing, the person listed as beneficiary will become the owner of your account. Give yourself peace of mind knowing your financial assets are going to the person of your choosing.
APP
- Select MORE from bottom navigation menu
- Scroll to ADD/CHANGE BENEFICIARY
DESKTOP
- Select MEMBER SERVICES from top navigation bar
- Choose ADD/CHANGE BENEFICIARY
Card Controls
Card Controls
Take control of your debit and credit card. With card controls you can turn off a card, report a card lost/stolen and set up activity alerts.
App
- From the accounts menu scroll down to the debit/credit card module
- Click the drop-down arrow to select the debit/credit card
- ClickCARD CONTROLS
or
- Select MORE from bottom navigation menu
- Scroll to CARD CONTROLS
- Click on the debit card or credit card
- Update activity alerts, report a card lost/stolen or temporarily turn off the card.
E-Alerts
E-Alerts
Take control of your account and put your mind at ease. Set up e-alerts to get notifications such as transaction amounts, account balances, ACH transactions and payment reminders.
APP
- Select MORE from bottom navigation menu
- Scroll to eALERT SUBSCRIPTIONS
- Click CREATE NEW ALERT
DESKTOP
- Select PROFILE ICON top left corner, member name appears next to the circle.
- Select eALERT SUBSCRIPTIONS
- Click CREATE NEW ALERT
E-statements
E-Statements (Enroll and Print)
Save on paper that piles up and enroll in e-statements.
ENROLL – APP
- Select MORE from bottom navigation menu
- Scroll to eSTATEMENTS
- Click ENROLL
ENROLL – DESKTOP
- Select MEMBER SERVICESfrom top navigation bar
- Choose MY DOCUMENTS>ESTATEMENTSin top left corner
- Click on ENROLLMENT PREFERENCES
PRINT – APP
- Select MORE from bottom navigation menu
- Scroll to eSTATEMENTS
- Click on the type of statement you would like to view
- Click on the month you would like to view.
- Monthly statement will open in a PDF- from here you can print the statement.
PRINT – DESKTOP
- Select MEMBER SERVICESfrom top navigation bar
- Choose MY DOCUMENTS>ESTATEMENTSin top left corner
- Click on the type of statement you would like to view
- Click on the month you would like to view.
- Monthly statement will open in a PDF- from here you can print the statement.
Interest
View Dividend/Interest Summary
View dividends earn and interest paid throughout the year on all your accounts. Also view closed accounts and previous years IRS information.
APP/DESKTOP
- From your accounts menu click on your account
- In the options menu scroll to Dividend/Interest Summary
- In the app you can also find this under the MORE menu, scroll to DIVIDEND/INTEREST SUMMARY
- On your desktop got to MEMBER SERVICES>DIVIDEND/INTEREST SUMMARY
View Loan Interest Rate
View the interest rate that is on your loan or credit card in the loan details screen.
APP/DESKTOP
- From your accounts menu click on your loan or credit card account
- In the options menu click ACCOUNT DETAILS
- Select MORE ACCOUNT DETAILS
- Scroll to LOAN INFORMATION
Upload License
Sign Out
APP
- Select PROFILE ICON top left corner
- Click SIGN OUT
DESKTOP
- Select PROFILE ICON top left corner, member name appears next to the circle.
- Select SIGN OUT
MoneyMap
MoneyMap (Money Desktop)
Money Map is an online money management tool, securely integrated into online banking, that helps simplify budgeting and monitor spending.
Accounts from other financial institutions such as mortgage and investments along with your FCU accounts can be monitored all in one place empowering you to take control of your finances and simplify your life.
Before adding accounts to Money Map be sure to enable all of your external online accounts. You will be asked to enter in your credentials for those sites in order to link all of your accounts in MoneyMap.
To access MoneyMap follow the instructions below.
APP
- Select MORE from bottom navigation menu
- Scroll to MONEYMAP
or
- Select MOVE MONEY from bottom navigation menu
- Scroll to MONEYMAP
DESKTOP
- Select PAY & TRANSFER from top navigation bar
- Choose MY MONEY > MONEYMAP in top right corner
VIP Rewards
VIP Rewards
Be rewarded for being a member. The more products and services you have with FCU the more points you earn. Points can be redeemed to waive fees, purchase merchandise and FCU Services. To learn more and review your points, follow the steps below.
APP
- Select MOREbottom navigation menu
- Scroll to VIP REWARDS
DESKTOP
- Select MEMBER SERVICES from top navigation bar
- Choose VIP REWARDS bottom left
Virtual Strong Box
Virtual Strong Box
My Virtual Strong Box is the online/virtual answer to a safety deposit box. You can upload important documents and access them online when you log into your FCU account. Members receive 10MB of storage for free and can purchase additional storage with a yearly subscription. Follow the steps below to enroll.
APP
- Select MORE from bottom navigation menu
- Scroll to Virtual Strong Box, click GO TO VIRTUAL STRONGBOX
DESKTOP
- Select MEMBER SERVICES from top navigation bar
- Choose MY DOCUMENTS > VIRTUAL STRONGBOX in top right corner
- Click GO TO VIRTUAL STRONGBOX
Additional Storage Fees*
- 500 MB $8.95
- 2 GB $23.95
- 10 GB $69.95
- 30 GB $150.00
Prices are subject to change
Increase Credit Card Limit
CD Secured Loan
CD Secured Loan
Members can now use their CD (Certificate of Deposit) as security for a low rate loan! This can be done within online banking – 24/7 – for free!
- Pay back loan at the maturity of the CD or with monthly payments
- Maximum term of loan is based on the maturity date of the CD
- Interest rate for the loan is 1.5% APR* higher than rate of the CD
- Choose what account you want to deposit funds into
- Electronically sign for the loan and save for record keeping
- Borrow up to the total amount of the CD – in one or multiple loans
DESKTOP
- Select CD ACCOUNTfrom your favorites account menu
- Click on BORROW $ SECURED BY CD
Credit Score
What is your score and why does it matter?
Your credit score is one of the most important measures of your financial health. From taking out a mortgage to establishing a new line of credit, lenders look to your credit score as an indicator of your creditworthiness. The higher your score, the easier it will be to secure new loans or lines of credit. If you have a low credit score, not only can it be more difficult to secure financing, but you’ll also be stuck with much higher interest rates..
Reminder: There may be variations among other bureaus and types of score (like FICO as opposed to Vantage).
Members can view their credit score in the app and online banking. Credit Scores are updated twice a year. Viewing your credit score does not initiate a request for credit from any bureau. The credit score shown is not intended as, nor should it be construed to be, legal, financial or other professional advice. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions.
APP/DESKTOP
- From your account screen scroll to the FAVORITE FEATURES menu
- Select the SETTINGS wheel in the top right corner
- Select CREDIT SCORE
Federal Law allows you to request a free copy of your credit report every 12 months from each credit bureau. It is important to review your credit report to ensure it is correct and up to date. Your credit report can affect your mortgage and loan rates, credit card approvals and even job applications. To request a free copy of your credit report, click the link below.
Mobile Login Options
Authentication Options
Members can pick different authentication options when logging into the mobile app. These options are Voice Recognition, Pin, Password, Facial Recognition or Fingerprint.
APP
First time set up:
Select the accounts tab and click on an authentication option. From here you will be prompted to enroll. Follow the on-screen prompts.
To reset/change:
- Login
- select PROFILE Icon in upper right corner
- scroll to AUTHENTICATION OPTIONS
- scroll to RESET AUTHENTICATION OPTIONS ON ALL DEVICES
This will reset all authentication options on ALL devices. After the reset is complete, you will need to set up your new authentication option. If there are multiple users on the account, you will need to inform them of the new authentication setting.
For more information view the AUTHENTICATION FAQs tab (located under AUTHENTICATION OPTIONS in the profile setting menu)
Apply for a Loan
Apply for a Loan
FCU members can apply for a loan using the mobile app or through online banking.
APP
- Select MOREbottom navigation menu
- Scroll to GET A LOAN
DESKTOP
- Select NEW ACCOUNTS from top navigation bar
- ChooseOPEN A NEW LOAN ACCOUNT
