Mobile App
Consumer banking
Manage your accounts, pay bills, deposit checks, transfer funds, move money and budget finances with the NEW! FCU Consumer App.
It’s Me 247
Desktop Banking

Welcome to the NEW! It’s Me 247 Online Banking (OLB) Platform. Login below from your desktop computer, tablet or smartphone. Use your standard login, password and security question to view the new banking features.

It’s Banking made
smarter
NEw! App Features
Set Favorites

Choose which accounts you want to show/hide upon login

E-Deposit

Take a photo of your check and upload for quick deposit

New Profile

Add a personal avatar to your online profile

Move Money

Quickly transfer money between accounts and other FCU members

Bill Pay

Pay and schedule your bill payments on the app

e-Alerts

New! Easy way to set up e-alerts for account activity

Pay Anyone

Easy Pay Anyone, Anytime Money Feature

Card Alerts

Get debit/credit card alerts when card is used

Budgeting

Online money management and budget tools

VIP Rewards

Track rewards for the services/products you use

Start a Journey
TUTORIALS
Consumer App-OLB Videos
OLB Overview
OLB Profile Setup
OLB Jump To
OLB Your Loans
OLB Transfer $$
OLB View Checks
App 5.0
Favorites App
Bill Pay
E-Deposit
Avatar App
ACH App
Online Banking
Self help
Frequently asked questions
Text Banking

Quick access to account balances. Text banking is free for FCU members and is available 24/7. Follow the steps below to enroll.

APP

  • Select MORE from bottom navigation menu
  • Scroll to Text Banking, click START ENROLLMENT
  • Create a Nickname for your account, Accept Terms & Conditions, Fee Account
  • Click ENROLL
  • From here you can add your phone number, manage transfer codes, and review all text banking has to offer

DESKTOP

  • On the home page, locate Favorite Features Menu (bottom of the page)
  • Select the setting wheel in the menu
  • Make sure the box next to Text Banking is Selected. Save Changes

Once text banking has been added to your Favorite Features Menu

  • Click on Text Banking, click START ENROLLMENT
  • Create a Nickname for your account, Accept Terms & Conditions, Fee Account
  • Click ENROLL
  • From here you can add your phone number, manage transfer codes, and review all text banking has to offer

IMPORTANT NOTE

During the enrollment process you will be asked to select a FEE Account and agree to the Terms and Conditions.

At this time, there are NO FEES to our members to participate in text banking.

The disclaimer can also be found by click the Text Banking Fee Schedule link.

BASIC COMMANDS

Text Banking Phone Number 1-844-776-9164

  • BAL Balance for all eligible accounts
  • BAL 000 Balance for a specific account
  • STOP Turns off all text banking
  • HELP Provides you with help for unenrollment
Phone Banking

Similar to our online banking service, our 24-hour telephone banking service allows you to check balances, transfer money and see what checks have cleared. It’s a great service to keep in touch with your accounts when online or when mobile access isn’t an option. Members need to set up a four digit PIN to use this service

ATM Search

Text to find a surcharge free ATM:
Text a street address or zip code or “City State” to 91989 (my coop) to find the closest CO-OP ATM locations

Online Search:
To find the closest CO-OP ATM locations click the button below

Quick Transfer

Transfer funds in real time between accounts, pay FCU loans or transfer money to other FCU members.

APP

Move money between accounts or make a payment on FCU loans

  • Select MOVE MONEY from bottom navigation menu
  • Choose QUICK TRANSFER in top left corner
  • Fill In – Transfer From, Transfer To and Amount
  • Click CONTINUE, review your information and finalize by clicking TRANSFER NOW 

Transfer money to another member’s account

  • Select MOVE MONEY from bottom navigation menu
  • Choose QUICK TRANSFER in top left corner
  • Fill In – Transfer From section. In Transfer To select ANOTHER MEMBER (bottom of menu)
  • Fill In- other members Account Number, Suffix, First 3 letters of their last name and Amount
  • Click CONTINUE, review your information and finalize by clicking TRANSFER NOW 

DESKTOP

Move money between accounts or make a payment on FCU loans

  • Select PAY AND TRANSFER from top navigation bar
  • Choose MOVE MONEY > QUICK TRANSFER in top left corner
  • Fill In – Transfer From, Transfer To and Amount
  • Click CONTINUE, review your information and finalize by clicking TRANSFER NOW 

Transfer money to other member’s accounts

  • Select PAY AND TRANSFER from top navigation bar
  • Choose MOVE MONEY > QUICK TRANSFER in top left corner
  • Fill In – Transfer From section. In Transfer To select ANOTHER MEMBER (bottom of menu)
  • Fill In- other members Account Number, Suffix, First 3 letters of their last name and Amount
  • Click CONTINUE, review your information and finalize by clicking TRANSFER NOW 
Schedule a Transfer

Set up reoccurring or one time transfers to move money today or for a future date.

APP

Schedule a transfer between accounts or FCU Loan payment

  • Select MOVE MONEY from bottom navigation menu
  • Choose SCHEDULE TRANSFER
  • Select the Frequency and fill in Transfer From, Transfer To, Transfer Type and Amount
  • Click CONTINUE, review your information and finalize by clicking SCHEDULE TRANSFER

Transfer money to another member’s account

  • Select MOVE MONEY from bottom navigation menu
  • Choose SCHEDULE A TRANSFER
  • Select Frequency and fill in Date and Transfer From sections. In Transfer To select ANOTHER MEMBER (bottom of menu)
  • Fill In- other members Account Number, Suffix, First 3 letters of their last name and Amount
  • Click CONTINUE, review your information and finalize by clicking SCHEDULE TRANSFER

DESKTOP

Schedule a transfer between accounts or FCU Loan payment

  • Select PAY AND TRANSFER from top navigation bar
  • Choose MOVE MONEY > SCHEDULE TRANSFER in top left corner
  • Select the Frequency and fill in Transfer From, Transfer To, Transfer Type and Amount
  • Click CONTINUE, review your information and finalize by clicking SCHEDULE TRANSFER

Transfer money to another member’s account

  • Select PAY AND TRANSFER from top navigation bar
  • Choose MOVE MONEY > SCHEDULE TRANSFER in top left corner
  • Select Frequency and fill in Date and Transfer From sections. In Transfer To select ANOTHER MEMBER (bottom of menu)
  • Fill In- other members Account Number, Suffix, First 3 letters of their last name and Amount
  • Click CONTINUE, review your information and finalize by clicking SCHEDULE TRANSFER
View/Edit Scheduled Transfers
Make changes or cancel scheduled transfers

APP

  • Select MOVE MONEY from bottom navigation menu
  • Choose VIEW/EDIT TRANSFER
  • Click on the transfer you wish to edit
  • Click CANCEL to delete transfer or click EDIT to update transfer
  • Under edit you can update the Frequency, Start Date, Ending, Transfer to, Transfer From, and Amount
  • Click UPDATE TRANSFER

DESKTOP

  • Select PAY AND TRANSFER from top navigation bar
  • Choose MOVE MONEY > VIEW/EDIT SCHEDULED TRANSFER in top left corner
  • Click on the transfer you wish to edit
  • Click CANCEL to delete transfer or click EDIT to update transfer details
  • Under edit you can update Frequency, Start Date, Ending, Transfer to, Transfer From, and Amount
  • Click UPDATE TRANSFER
View Transaction History
Members can view current account activity in transaction details or view a range of dates in download account activity

APP/DESKTOP

  • From your accounts menu click on your account
  • Click Account Details
  • View transactions. Scroll down to view previous transactions
  • Click Load More Transactions to view more
    •     You can also use the search bar to search for certain transactions by typing in a keyword or dollar amount or
    •     Click on ADVANCED to view more search options

Download Account Activity 

  • Desktop: Member Services>Download Account Activity
    Click the calendar buttons to select dates
  • App: Select Account>In Options scroll all the way down to Download Account Activity
View Pending ACH Transactions or
Update ACH Distributions
An ACH is a deposit that is sent electronically into someone’s account. This may be direct deposit or an electronic payment. To view a pending ACH or change how it is distributed into your account follow the steps below.

APP/DESKTOP

  • From your accounts menu click on your account
  • In the options menu select ACH Transactions
  • In the app you can also find this under the MORE menu, scroll to ACH Transactions
  • On your desktop visit the important links sections, left side of your accounts menu

From the ACH Transaction Menu you can also update your ACH Distributions.

For example if you would like half of your direct deposit to go into savings and the other half into checking, you can set that up by clicking on the name of the ACH and click ADD DISTRIBUTION

ACH on Demand
If you wish to have your ACH posted to your account early please contact us at 989.497.1600. For a nominal fee of $20.00 your transaction may be posted up to 3 days early.
Keep in mind: Not all ACHs are able to be posted early. It depends on the organization sending the ACH.
Stop Payment for ACH/EFT
Need to stop an automatic payment or reoccurring payment that is coming out of your account. Follow the steps below.
Stop payment fee may apply.

APP

  • Select MOVE MONEY from bottom navigation menu
  • Scroll to ACH/EFT STOP PAY
  • Fill In stop payment form, click CONTINUE
  • Agree to terms and conditions, click SUBMIT

DESKTOP

  • Select PAY AND TRANSFER from top navigation bar
  • Choose SEND MONEY>ACH/EFT STOP PAY in top right corner
  • Fill In stop payment form, click CONTINUE
  • Agree to terms and conditions, click SUBMIT
View Cleared Checks
Easily view checks that have cleared your account.

APP/DESKTOP

  • From your accounts menu click on your checking account
  • Click on Account Details
  • Scroll in transaction history to the check transaction
  • Click and view check details and front/back image

If the check is not a recent transaction, in the Account Details screen do a general search or click ADVANCED under transaction type select CLEARED CHECKS.

To view previous transactions, click LOAD MORE TRANSACTIONS.

To PRINT a check image, right click the image select SAVE IMAGE AS and save to your computer. Once the image is saved, open the file and print.

Click the button below to view the Cleared Checks video to see:
  • How to find cleared checks
  • Search for checks in previous months
  • Print your check image
Stop Payment on a Check
Use this feature if need to stop payment on a check you do not have physical possession of.
Stop Payment Fee may apply.

APP

  • Select MOVE MONEY from bottom navigation menu
  • Scroll to STOP CHECK PAYMENT
  • Fill in check information and submit form

DESKTOP

  • From your accounts menu click on your checking account
  • Click on STOP CHECK PAYMENT

or

  • Select PAY AND TRANSFER from top navigation bar
  • Choose MY CHECKING>CANCEL CHECK PAYMENTS in top right corner

Bill Pay allows you to pay who you want, when you want, and for the amount you want to pay them. You can pay everyone from your paper boy to your national cell phone carrier. FCU’s Bill Pay service is free to members VIP Rewards Silver* status or higher.

APP

  • Select MOVE MONEY from bottom navigation menu
  • Scroll to BILL PAY
  • Form here you can add payees, see pending payments, manage notifications and much more

or

  • From your accounts menu click on your checking account
  • Scroll to Bill Pay

DESKTOP

  • Select PAY AND TRANSFER from top navigation bar
  • Choose SEND MONEY>BILL PAY  second menu from the left
  • Form here you can add payees, see pending payments, manage notifications and much more.

or

  • From your accounts menu click on your checking account
  • Scroll to Bill Pay

While in the bill payment screen you can view your payment history

  • Click on MY PAYEES 
    •      From here you can search via keyword or
    •      Select the 3 dots next to a payee, click view PAYMENT HISTORY
Loan Payment

Make your loan payment in one easy menu. Make a one time payment, schedule a future payment or pay a loan via check deposit.

APP & DESKTOP

  • From your accounts menu click on the loan account you wish to make a payment on
  • In the options menu select
    •     Make a payment -for one time payment
    •     Schedule Payment- schedule a future payment and set up reoccurring payments
    •     Pay Loan Via Check Deposit- to pay with a check from another financial institution.

Make a loan payment from your other financial institution to your FCU loan. All you need is your FCU account number and loan suffix, plus the routing number and account information for the financial institution you will be withdrawing from to make your payment. Or, you can pay with your debit or credit card. But there will be a fee assessed for this.

  • Make your FCU loan payment from any other institution
  • Make your payments when you want
  • Request your payment any time of day
  • No need to wait on the phone to request a payment
  • Save yourself the check, envelope and postage costs
Payments can be made from a savings/checking account or from a debit/credit card. You can set up one-time payments or schedule your payment to be made on a recurring basis. Please note that payments made from a debit or credit card will be assessed a service charge. Payments initiated by 7:00 pm Eastern Monday through Friday on a business day will settle the next business day. “Payment amount” indicates the standard payment due – not necessarily the current amount due. “Payment Date” indicates the day the funds will be withdrawn. The payment will be applied to the loan the following business day.
NEW! FCU P2P App. Pay Anyone. Anytime. Anywhere. Contactless Payment Solution. Download Today

 

Easily transfer funds to a non-member’s account.

With just a mobile number or email address you can make Person to Person (P2P) payments through Pay Anyone. You will enter the information needed. The Question and Answer section includes a space for you to enter a security question and its answer. Only the question is sent to the recipient in the text or email. For security reasons, you must let the receiver know the answer separately.

On Website:
Login to online banking > Pay and Transfer top navigation > Pay Anyone

On Consumer App:
Select Move Money in bottom navigation > Pay Anyone

Jump-My Other Memberships-Switch Accounts

Easily jump to your other FCU accounts inside It’s Me 247-online banking and the app.

  • Go to your profile (top right corner)
  • Choose Switch Accounts
Account to Account (A2A) Transfer Authorization

Use the link below to allow transfers between another financial institution and your Frankenmuth Credit Union (FCU) account. Contact your other financial institution to ensure you have proper information before submitting this request. Note: To submit this request, a copy of a voided check or account statement to the other financial institution is required for upload.

If you forget your password, click on ‘I Forgot Password’ and enter your username. 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.

Contact support at 989-497-1600 to unlock your account and reset password and security questions. Once reset, you will need to log in right away to set up a new password.

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 at 989-497-1600.

Update Personal Information
As life changes make sure to keep your personal information up to date to ensure you receive important correspondents from FCU. To update your information follow the steps below.

APP

  • Select PROFILE ICON top left corner
  • Scroll to PERSONAL INFORMATION
  • Update address, email, phone numbers and code word.

DESKTOP

  • Select PROFILE ICON top left corner, member name appears next to the circle.
  • Click on PERSONAL INFO AND SETTINGS
  • Scroll to PERSONAL INFORMATION
  • Update address, email, phone numbers and code word.
Account Nicknames
Having troubles 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
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

  • 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
Take control of your account and put your mind at ease. Set up e-alerts to get notifications such as account alters, 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 (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 SERVICES from top navigation bar
  • Choose MY DOCUMENTS>ESTATEMENTS in 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 SERVICES from top navigation bar
  • Choose MY DOCUMENTS>ESTATEMENTS in 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.
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. Giving you the piece 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  in bottom left corner
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

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 
Money Desktop (Money Map)

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 Money Map.

To access Money Desktop follow the instructions below.

APP

  • Select MORE from bottom navigation menu
  • Scroll to MONEY DESKTOP

or

  • Select MOVE MONEY from bottom navigation menu
  • Scroll to MONEY DESKTOP

DESKTOP

  • Select PAY & TRANSFER from top navigation bar
  • Choose MY MONEY> MONEY DESKTOP in top right corner
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 MORE bottom navigation menu
  • Scroll to VIP REWARDS

DESKTOP

  • Select MEMBER SERVICES from top navigation bar
  • Choose VIP REWARDS bottom left
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

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 ACCOUNT from your favorites account menu
  • Click on BORROW $ SECURED BY CD
P2P App

Pay anyone, anytime, anywhere with the new Frankenmuth CU Peer-to-Peer (P2P) app. Forget the hassle of carrying cash. Use the FCU P2P app to easily and securely transfer money from your account to any friend’s account.

Card Nav

Get the security and control you need with the free! CardNav app. Set controls for how, where and when your cards are used. Get real-time alerts when transactions occur to help identify and stop potential fraud.

$ DESKTOP

Budget, manage your finances and monitor your spending. Import all of your accounts, across multiple institutions, so you can see your balances and transactions all in one place. You can find Money Desktop inside online banking and App.