How To Use Online Banking
Online Banking allows you to:
- Check account balances
- Pay bills with free online Bill Payer, administered by iPay
- Review savings, checking and loan account history
- See if individual checks have cleared
- Review loan and VISA account history
- Make payments on Mid American loans and VISA accounts
- Transfer funds within your own account (for example, from savings to checking)
- Transfer funds between member accounts
- Transfer funds to another financial institution
- Communicate securely with Mid American
Secure Account Access
For your protection, Online Banking employs two forms of security to protect confidential data: password and 128-bit data encryption. Encrypting transactions provides security by ensuring that no portion of a transaction is readable except by the parties at each end of the transmission who have the ability to decrypt the information being sent. Mid American also uses your unique user ID, along with a picture and security question verification for security. Encryption reduces the likelihood that a transaction or information is tampered with as it travels from point to point. You can rest assured that your accounts are safe with Mid American's OnlineBanking.
Logging In to Your Account
In order to use Online Banking, you may specify a login ID and a password in writing using our Authorization Form. Once you have your login ID and password you can log in by clicking the Member Login button located in the upper right corner of all of our site's pages.
Online Banking may be accessed through current and prior major releases of Internet Explore and Firefox and the current release of Safari and Google Chrome
Current rules, regulations, and disclosures relating to the MACU Online Banking program are located on this page. You agree to abide by changes or modifications to the rules and regulations as posted on the website from time to time.
Mid American Credit Union is not responsible for late payment fees or other charges resulting from the late application or misapplication of funds transferred or paid to an account or third party payee.
Online Banking is provided solely as a convenience to Mid American Credit Union members and we cannot be responsible for any actual, direct or consequential losses or damages that are or may be related to your participation in the program.
Authentication: After a secure connection is established, the initiating party must prove their identity prior to conducting the transaction. This is typically handled with user IDs along with passwords. Additionally, certificates can be used to validate the authenticity of both servers and users. The credit union shall ensure that all methods of authentication meet or exceed the requirements issued by the Federal Financial Institutions Examination Council (FFIEC).
Authorization: The credit union shall reconfigure member accounts to ensure that members have appropriate levels of access. In most cases, all users shall be authorized at the same level, which allows members access to their own information only.
Firewalls: A firewall is a device that stands between two networks and determines what information is allowed to pass between them. Through inspection, firewalls analyze all traffic passed in either direction and can deny connections that have the potential to compromise systems.