Manage your money safely using simple shortcuts

To register your device and start using Text Banking, log in to Online Banking, hover over "Other Services," and click on "Text Banking." You'll then be able to manage your account simply by texting these prompts to 90703.

  • BAL SXXXX or LXXXX: Get the balance on your share or loan
  • HIST SXXXX or LXXXX: Get transaction history on your share or loan
  • NEXT: Get an additional five transactions of your transaction history
  • TRAN SXXXX LXXXX 200: Transfer $200 from selected share or loan to the selected share or loan
  • LOCK: Lock your Online Banking access (login not allowed)
  • UNLOCK: Unlock your Online Banking access (login allowed)
  • HELP: Get contact information
  • COM: Get a list of available Text Banking commands

At Michigan Schools and Government Credit Union, we're always concerned about protecting personal information for our members. With Text Banking, you'll never need to share your full account number. You have the ability to deactivate any phone at any time.

Text Banking Frequently Asked Questions

  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. How do I sign up to use Text Banking?
  5. Can I access my account from more than one mobile device?
  6. How do I register my mobile device?
  7. Where do I text my account inquiries and transactions?
  8. Are there any requirements for my first message sent to MSGCU?
  9. What can I do with MSGCU Text Banking?
  10. How do I unsubscribe from MSGCU Text Banking?
  11. How do I format messages sent to MSGCU Text Banking?
  12. Is MSGCU Text Banking case sensitive?
  13. Does MSGCU Text Banking offer command shortcuts so I can access my information and make transfers more quickly?
  14. What does it mean when I see “1/2” in my text received?
  15. 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?

 

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 control Online Banking account access all via SMS text messaging.

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3. Which mobile service providers SUPPORT MSGCU Text Banking?
We currently support all major cellular service providers. If you have any issues opting in and using Text Banking, please contact our Call Center at 866.674.2848 during regular business hours.

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4. 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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5. 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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6. 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 mobile device for Text Banking.

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7. 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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8. 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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9. 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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10. How do I unsubscribe from MSGCU Text Banking?
You can disable any mobile device within Online Banking. To customize your Text Banking service, just login to Online Banking, 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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11. 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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12. 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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13. 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 to make inquiries and transfers, as well as manage your Online Banking login 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 Online Banking account access (login not allowed)
  • UNLOCK – Unlock your Online Banking account access (login allowed)
  • COM - Get a list of available Text Banking keywords

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14. 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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15. 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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READY TO GET STARTED?