Frequently Asked Questions
for Mobile Banking
What devices are supported
All iPhones and iPads running iOS 8 or newer are supported as well as most Android devices.
I received a USERPASS lockout error
If you enter your password invalid three times you will be locked out of Mobile Banking and receive a USERPASS lockout error. To be unlocked you must call our Contact Center at 734-662-8200.
How many devices can I use to access Mobile Banking?
You can register up to five devices per account on Mobile Banking. If you uninstall the app from a device, it will not be used against this number. If you receive an error or exceed five devices, please call our Contact Center at 734-662-8200.
What type of transactions can I see?
Transactions will be displayed in real time as they are made. Charges being held are displayed in grey and prepended with PENDING. All transactions that can display on Online Banking will display in Mobile Banking.
How long does it take for a transfer to complete?
All transfers performed within Mobile Banking take place immediately. You may transfer to another of your shares or to an account of which you are a joint member.
Can I transfer to another member’s account?
You must know the other member’s 5 or 6-digit account number, the first three letters of the account holder’s last name and the account to which you are transferring. Fill out the form completely to perform the transfer.
How do I log in?
Log into Mobile Banking using your Online Banking username and password. The first login to Mobile Banking will require an additional security step which will be explained upon login. Please call our Contact Center at 734-662-8200 or visit Online Banking for reset instructions.
How do I enable Fingerprint Authentication for login?
To enable the new Fingerprint Authentication feature, you must first log into the app using your username and password. Select “Settings” from the main menu, slide the button next to the Touch ID option to enable and follow the directions provided.
How do I unlock my account?
If you have entered your username or password incorrectly multiple times, you will be locked out of your account.
How do I use mobile check deposit?
Mobile check deposit allows you to deposit checks to your account from your mobile device. Simply select “Make a Deposit” from the main menu, choose the account you to which you are depositing, and enter the amount. After you have taken a picture of the front and back of your properly endorsed check, tap submit. For your convenience, up to $1,000 of the deposit is available immediately. The remainder will be held for two business days. Please call our Contact Center at 734-662-8200 if you have any questions.
How do I use Bill Pay?
Payments may be sent to existing payees using the Bill Pay link within Mobile Banking. You cannot add payees from Mobile Banking for security reasons. To add a payee, you must use Online Banking. Once the payee has been added you will be able to send to that payee using Mobile Banking.
What is the Quick Balance button?
The Quick Balance button on the app login screen allows you to view your account balances without having to log in completely. To enable this feature, you must first log into the app using your username and password, go to the menu on the top left corner, and select Settings. Once in Settings, swipe the button next to “Quick Balance” to enable the feature. You then can choose which accounts you would like to add to Quick Balance. After you sign out and return to the login screen, select the Quick Balance button and your account balances will appear at the bottom.
What is the messages button for?
You can send secure messages to member services using the Mobile Banking app. After EMUCU has responded to your message, a notification will alert you the next time you log into the app. EMUCU also will use this communications method to notify of possible upgrades and/or maintenance times for Mobile Banking.
I have forgotten my username
Your Mobile Banking username is the same as your Online Banking username. If you experience further issues, please call our Contact Center at 734-662-8200 at 734-662-8200 or visit Online Banking for reset instructions.
I have forgotten my password
Your Mobile Banking password is the same as your Online Banking password. If you experience further issues, please use the reset password link from within Online Banking or call our Contact Center at 734-662-8200.
I have lost my temporary PIN
Please call our Contact Center at 734-662-8200 for reset instructions.
I am using the temporary PIN but it is not working
Please make sure that you are typing the number correctly and after the last character of your password. If you are registering after 48 hours of receiving the temporary PIN email, Please call our Contact Center at 734-662-8200.
How do I change my mobile banking password?
If you wish to change your password for Mobile Banking you must change your Online Banking password. This will automatically change your Mobile Banking password.