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Mobile Banking Overview

With Michigan Schools and Government Credit Union’s free Mobile Banking, you can have easy and hassle-free control of your finances from your mobile device. Mobile Banking allows you to access your MSGCU accounts in the way that is most convenient for you, from Smart Phone Apps to Text Banking.

Functionality

Smart Phone Apps

Text Banking

Free     
Secure    
Account Balances    
Transaction History    
Find a Location/ATM     
Transfers     
View Images of Cleared Checks     
Required Registration to Bank Online     

 

Mobile Deposit: Bank from anywhere.

Can't get to an MSGCU branch? Relax, we have you covered. Now, you can deposit checks from anywhere using your smartphone or tablet. Just download the Mobile Banking app, follow the easy on-screen instructions, and let us do the work for you.

Benefits of Mobile Deposit

  • Secure transactions
  • Easy to use
  • Anywhere you are becomes an MSGCU branch

How It Works

  1. Download the FREE MSGCU Mobile Banking app from the Apple App Store or Google Play for Android
  2. Open Mobile Deposit.*
  3. Select the account you are depositing into and enter the amount.
  4. Snap pictures of both sides of the check.
  5. Verify the check’s information and submit.

Click here for a step-by-step guide on how to use Mobile Deposit!

For more details about Mobile Deposit and other features of Mobile Banking, call 586.263.8800.

*Restrictions apply. Please speak with a Member Representative for more details.

Smart Phone Apps

How to Download the iPhone App  |  How to Download the Android App  |  How to Download the Kindle App

Mobile banking gives you convenient, on-the-go options for managing your bank accounts using your Android or Apple device. With our app, it's like having an MSGCU branch right in your pocket. 

Access 24/7

Manage your accounts, view copies of your cleared checks, and view transaction history. You can also make transfers within your account and find the closest ATM in MSGCU's network. The login and password for the Smart Phone Apps are the same as your Online Banking login.

Safe and secure

Michigan Schools and Government Credit Union uses TLS (Transport Layer Security) encryption to communicate securely through all mobile service providers. Security measures block unauthorized access and protect your data, no matter how you access your accounts.

Locate

With a single click, you can find the surcharge-free ATMs nearest you and locate the closest MSGCU branch.

Mobile bill pay

You can now access your Online Bill Pay account from the Mobile App. Click here to learn more. (Not available for Kindle devices.)

Mobile deposit

You can deposit checks from anywhere you are using your smartphone or tablet. (Not available for Kindle devices.)

Free

All Michigan Schools and Government Credit Union members may use our Apps for no charge. Your wireless provider’s messaging and data rates may apply.

Answers

Consult our Mobile Banking Frequently Asked Questions for additional information about Michigan Schools and Government Credit Union’s mobile App.

Download the iPhone App

MSGCU’s iPhone App can be downloaded to any device that uses the iOS operating system (with an OS version of 3.1 or higher).

  • Select the App Store
  • Select Search
  • Type MSGCU
  • Select MSGCU’s App
  • Select Install

Download the Android App

MSGCU’s Android app can be downloaded to any device that uses the Android operating system (with an OS version of 1.6 or higher).

  • Select Market/Google Play
  • Select Search
  • Type MSGCU
  • Select MSGCU
  • Select Free
  • Select OK

Download the Kindle App

MSGCU’s Kindle App can be downloaded to any device that uses the Android operating system (with an OS version of 2.3.3 or higher).

  • Select Apps
  • Select Store
  • Type in MSGCU
  • Select MSGCU App
  • Select Download

 

Text Banking

Michigan Schools and Government Credit Union's Text Banking uses simple command shortcuts that allow you to quickly and easily access your account for balance inquiries, to make transfers, and to manage your Online Banking security. The following is a list of the shortcuts available via Text Banking. Please modify your Share or Loan ID as applicable for each command shown (e.g. S0001, S00007, S00075, L00001, L0030, L0090).

  • BAL SXXXX or LXXXX – Get a balance on your share or loan
  • HIST SXXXX or LXXXX – Get transaction history on your share or loan
  • NEXT – Get the next five transactions of transaction history after receiving the first response on a history command
  • TRAN SXXXX LXXXX 200 – Transfer $200 from selected share or loan to the selected share or loan
  • LOCK – Lock Internet Account Access (login not allowed)
  • UNLOCK – Unlock Internet Account Access (login allowed) 
  • HELP – Get contact information
  • COM – Get a list of available Text Banking commands

We protect your security

  • Handsets must be registered within Online Banking prior to using the system. You have the ability to deactivate the handset at any time.
  • Account numbers are never shared through Text Banking

Consult our Mobile Banking Frequently Asked Questions for additional information.

Mobile Banking Frequently Asked Questions

With Michigan Schools and Government Credit Union’s free Mobile Banking, you can have easy and hassle-free control of your finances from your mobile device.

Mobile Banking  |  Text Banking  |  Mobile Deposit

Mobile Banking

1. What is Mobile Banking?
2. How much does it cost to use the iOS or Android App?
3. Are MSGCU’s Mobile Banking Apps secure?
4. What functionality is available for MSGCU’s Apps?
5. Do I need a username and a password?
6. What if I am not enrolled in Online Banking?
7. How do I download MSGCU's iOS or Android App?
8. What’s the process to log on to my account using the iOS and Android Apps?
9. How do the Apps help me find an ATM in MSGCU’s network?

Text Banking

1. How much does it cost to use Text Banking?
2. What is MSGCU Text Banking?
3. Which mobile service providers SUPPORT MSGCU Text Banking?
4. Which mobile service providers DO NOT SUPPORT MSGCU Text Banking?
5. How do I sign up to use Text Banking?
6. Can I access my account from more than one mobile device?
7. How do I register my mobile device?
8. Where do I text my account inquiries and transactions?
9. Are there any requirements for my first message sent to MSGCU?
10. What can I do with MSGCU Text Banking?
11. How do I unsubscribe from MSGCU Text Banking?
12. How do I format messages sent to MSGCU Text Banking?
13. Is MSGCU Text Banking case sensitive?
14. Does MSGCU Text Banking offer command shortcuts so I can access my information and make transfers more quickly?
15. What does it mean when I see “1/2” in my text received?
16. I am enrolled in MSGCU Text Banking and have text messaging capabilities on my mobile phone. Why am I unable to receive text messages from MSGCU Text Banking on my mobile device?
17. Are there any limitations by cell phone carrier for Text Banking?

Mobile Deposit

1. What is Mobile Deposit?
2. Who is eligible for Mobile Deposit?
3. Do I need to register for the service?
4. What does “held for review” mean?
5. Are there any holds on the deposit?
6. Are there deposit limits for Mobile Deposit?
7. How long should I keep a copy of the check that I deposited??

 


Mobile Banking

1. What is Mobile Banking?
MSGCU’s iOS and Android Apps are free Mobile Banking applications for the iPhone, the iPod Touch, iPad and any device using Google’s Android operating system. These Apps are optimized for use with the specific device that they are downloaded to.

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2. How much does it cost to use the iOS or Android App?
The iOS App and Android App are provided as a free service to MSGCU members.

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3. Are MSGCU’s Mobile Banking Apps secure?
Yes. MSGCU uses SSL encryption to communicate securely with all services. MSGCU always uses state-of the-art security measures to protect your data, no matter how you access your accounts.

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4. What functionality is available for MSGCU’s Apps?
You can view your balances, your transaction history, and images of cleared checks. You can make a deposit using Remote Deposit, pay a bill using Mobile Bill Pay, or transfer funds within your account. You can also use the App to find a nearby ATM or branch location.

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5. Do I need a username and a password?
Yes, you will use the same username and password you have for MSGCU's Online Banking.

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6. What if I am not enrolled in Online Banking?
Enrollment in MSGCU’s Online Banking is required to use the Apps. In order to enroll, go to our home page, and choose "New User" inside the Account Access area.

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7. How do I download MSGCU's iOS or Android Apps?

MSGCU’s iOS App can be downloaded to any device that uses the iOS operating system (with an OS version of 5.0 or higher) such as an iPhone, iPod Touch, or iPad.

  1. Select the App Store
  2. Select Search
  3. Type MSGCU Mobile Banking
  4. Select Get

MSGCU’s Android app can be downloaded to any device that uses the Android operating system (with an OS version of 4.0 or higher).

  1. Open the Play Store
  2. Type MSGCU into the search field
  3. Select MSGCU Mobile Banking
  4. Select Free
  5. Select OK

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8. What’s the process to log on to my account using the iOS and Android Apps?
The log on process for the iOS and Android Apps is similar to the Online Banking log on. On the Login screen within the App, simply enter your account number or User ID and your password. The password is the same as your Online Banking password. Click the Login button to complete the process.

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9. How do the Apps help me find an ATM in MSGCU’s network?
Select Find ATM/Branch from the Home screen. The Apps allow you to use your device’s GPS function and display the locations of the branches and ATMs closest to your location. You can then select a location and receive driving directions.

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Text Banking

1. How much does it cost to use Text Banking?
MSGCU’s Text Banking is free. Standard wireless carrier charges apply.

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2. What is MSGCU Text Banking?
Text Banking provides Online Banking users with an easy and convenient way to manage their accounts and expand Account Access account security all via SMS text messaging.

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3. Which mobile service providers SUPPORT MSGCU Text Banking?
AT&T  |  Verizon Wireless  |  Sprint  |  T-Mobile  |  Nextel  |  Boost  |  Alltel  |  US Cellular  |  Cellcom  |  Cellular South  |  Centennial Wireless  |  Cincinnati Bell  |  East Kentucky Network  |  Immix  |  nTelos  |  Rural

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4. Which mobile service providers DO NOT SUPPORT MSGCU Text Banking?
Cricket Wireless

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5. How do I sign up to use Text Banking?
To use Text Banking, login to Online Banking, then hover over Other Services and click on Text Banking. There, you can register a mobile device for use with the service.

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6. Can I access my account from more than one mobile device?
Yes, you may register multiple devices on the same account via Online Banking.

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7. How do I register my mobile device?
During the enrollment in Text Banking via Online Banking, you will be asked to enter your ten-digit mobile phone number. Next, you will receive an activation code via text message that must be entered into the Account Access Text Banking screen immediately. It is then required to text MSGCU bal S0001 to complete registration. You are then ready to start using that handset with Text Banking.

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8. Where do I text my account inquiries and transactions?
Send your text messages to 90703. Hint: Add Text Banking (90703) to your contact list on your phone for easy access.

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9. Are there any requirements for my first message sent to MSGCU?
Yes, it is required that your first message to MSGCU's code is MSGCU bal S0001. Once this has been completed, it is not required to enter MSGCU for any further texts.

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10. What can I do with MSGCU Text Banking?
You can review your account balances, look at previous transactions, and lock or unlock your Online Banking account. 

For help using the Text Banking service, you may text the word HELP then COM to code 90703, and we will send you a help message containing a list of available keywords. If you need further assistance, you can call 586.263.8800 or 586.674.2848; or you can visit one of our branches and speak with a Member Service Representative.

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11. How do I unsubscribe from MSGCU Text Banking?
You can disable any handset within Online Banking. To customize your Text Banking service, just login to Account Access, and click on the Text Banking menu option on the left. You can enable or disable certain features within Text Banking to better suit your needs.

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12. How do I format messages sent to MSGCU Text Banking?
Every message sent to Text Banking via 90703, whether the first command requesting a balance or a response letting us know which account from the account list you would like the balance on, must include the keyword or response. Examples of typical messages and responses from Text Banking are as follows…

Example 1: Retrieve an account balance

  • Enter the Command: BAL
  • Expected Response: A list of available accounts
  • Enter the Command: 3
  • Expected Response: The balance for the account labeled 3 on the list of available accounts

Example 2: Retrieve an account balance using the shortcut method

  • Enter the Command: BAL S0001
  • Expected Response: The balance for your MSGCU Share 01 account

Example 3: Transfer $250 from your MSGCU Share 01 to your Loan 01

  • Enter the Command: TRAN S0001 L0001 250
  • Expected Response: Message requesting confirmation of the transfer
  • Enter the Command: YES
  • Expected Response: Message confirming completion of transfer

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13. Is MSGCU Text Banking case sensitive?
No, Text Banking is not case sensitive. Commands typed in uppercase or lowercase letters will be recognized. For example, the service will respond to your balance inquiry whether your message sent reads “bal” or “BAL.”

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14. Does MSGCU Text Banking offer command shortcuts so I can access my information and make transfers more quickly?
Yes, we have simple command shortcuts. These shortcuts help you easily and quickly access your accounts for inquiries, to make transfers, and to manage your Online Banking security. The following is a list of the shortcuts available via Text Banking. Please modify your Share or Loan ID as applicable for each command shown (e.g. S0001, S0075, L0001, L0030).

  • HELP – Get contact information 
  • BAL S0001 – Get a balance on your share or loan
  • HIST L0001 – Get transaction history on your share or loan
  • NEXT – Get the next five transactions of transaction history after receiving the first response on a history command
  • TRAN S0001 L0001 200 – Transfer $200 from S0001 to L0001
  • LOCK – Lock your Internet Account Access account (login not allowed)
  • UNLOCK – Unlock your Internet Account Access account (login allowed)
  • COM - Get a list of available Text Banking keywords

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15. What does it mean when I see “1/2” in my text received?
All text messages are limited to 160 characters. Because some Text Banking messages exceed 160 characters, you will receive your account information in multiple messages. The label “1/2” means that you are reading the first in a series of two messages from MSGCU. To avoid confusion, always read messages in the correct order.

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16. I am enrolled in MSGCU Text Banking and have text messaging capabilities on my mobile phone. Why am I unable to receive text messages from MSGCU Text Banking on my mobile device?
If you are unable to receive Text Banking messages but can receive standard text messages on your phone, “short codes” may be blocked on your mobile phone. To use Text Banking, you must enable short codes with your mobile provider. (“Short codes” are special telephone numbers used to send text messages from mobile phones. They are often used for services such as television voting, ordering ring tones, charity donations, and mobile services such as MSGCU’s Text Banking.)

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17. Are there any limitations by cell phone carrier for Text Banking?
At this time, Cricket Wireless does not allow Text Banking transfers on its network. We will update this page if any changes are made to a cell phone carrier's requirements.

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Mobile Deposit

1. What is Mobile Deposit?
Mobile Deposit allows MSGCU members to deposit a check into their account using our smart phone app and the built-in camera on your mobile device. 

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2. Who is eligible for Mobile Deposit?

  • Members with an open checking account that has a positive balance 
  • Members who are at least 18 years of age
  • Members that have registered for online banking (You must have an active user ID and password to access the smart phone app)

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3. Do I need to register for the service?
Yes, you will need to register for the service through MSGCU’s smart phone app. You will need to read and agree to our  service agreement before you could process a mobile deposit. 

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4. What does “held for review” mean?
When this appears, an MSGCU representative will need to review the deposit before it can be processed and placed in your account. Deposits can be held for the following reasons:

  1. The App cannot read routing number
  2. The App cannot read the amount
  3. The App cannot read the payee line
  4. The App cannot verify the signature
  5. The App cannot verify the signature on the back
  6. The check deposited is valued at $1,000 or more

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5. Are there any holds on the deposit?
Yes. The first $200 from the deposit is made available immediately. A two business day hold is placed on the remainder of the check.

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6. Are there deposit limits for Mobile Deposit?
Yes. There is a daily deposit limit of $2,500.00 (per deposit or day) and a monthly deposit limit of $10,000.

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7. How long should I keep the check that I deposited?
It is recommended that you keep any checks for six months after they are initially deposited, as a record of the transaction. After six months, please destroy the check for security purposes.

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