Ways to Bank at Motor City

Motor City Community Credit Union offers a full range of service delivery options, in addition to our Branch locations. Whether your preference is Online, Mobile Banking or ATM access, Motor City Community Credit Union delivers!

Download the Motor City App for your phone!

Apple App Store LinkAndroid App Store Link

In Branch Expand/Collapse

For our members that prefer to do their banking in person, we offer three retail banking locations and a commercial lending centre. Please visit us at one of the branches.

Click Here for all of our locations and stop by a branch today!

Online Banking Expand/Collapse

You’ll be amazed to experience the ease and convenience of Motor City Community Credit Union’s online banking. Online banking is accessible from every Motor City website page. You will need a Flex Card Debit Card or an Online Banking Access Number plus your Personal Access Code (PAC) to get started. Receive your PAC by visiting your local branch and start using online banking today!

Benefits of banking online:


  • 24-hour secure access to your accounts from any location with internet service
  • Check balances, transfer funds, pay bills, send e-transfers and view e-statements
  • “Memorized Account” feature for a convenient and quick way to login by saving your Flex Card number to trusted devices. Click here for instructions for adding and deleting memorized accounts.
  • Personal Financial Management: a tool that allows to keep track of budgets and see you to see your finances in a whole new way. Learn more by clicking here.
  • Business and Small Business specific platforms (ask your branch for more details)

Privacy and Security


Motor City wants to protect your information at all cost. Here are some security features of our Online Banking platform:

  • Personal Access Code (PAC): provides safe access and guarantees that your accounts and transactions remain private.
  • Enhanced Login Security questions to keep your information even safer. Click here to find out more information.

NOTE: It is recommended that Your Personal Access Code (PAC) should be different from your Personal Identification Number (PIN) used for your Flex Card debit card and kept confidential (memorize it), as it is your ‘virtual’ signature and authorization for transactions. Looking to stay safe on the internet? Click here for some tips on how to stay safe on the World Wide Web.

Flex Card Debit Card Expand/Collapse

Your Flex Card debit card provides safe and secure access to your account(s) through a worldwide network of ATMs and most retail merchants in Canada and the US. It gives you the freedom to access your funds instantly, and the control to spend only what you can afford. All you need is your own Personal Identification Number (PIN) which you can obtain and/or change any time at your local MCCCU branch.

Features and Benefits:

  • Minimizes the need to carry cash.
  • Our Interac Flash® enabled Flex Card allows you to pay for everyday purchases quickly, securely and conveniently by simply holding your Flex Card in front of the reader at checkout. To read more about Interac Flash security click here.
  • THE EXCHANGE® Network: A shared network of full-service ATMs from National Bank, HSBC Bank, Mac’s/Circle K convenient stores, and the majority of all credit unions in Canada in all 10 provinces across the country. These ATMs allow members both withdrawal and deposit functions on a surcharge-free basis. Free is always good.
  • Use our ATM Search to see where you can use your Flex Card.

  • U.S. Accel ATM Network: Visiting the USA? You also have access to 500,000 Accel ATMs in the United States1Click here for more information.
  • Worldwide ATM Networks: Can’t find an EXCHANGE® Network or Accel ATM? Check the back of your card for other ATM networks your Flex Card will work with1.
  • Easy PIN Changes: you can change your PIN at most Credit Union ATMs, including Motor City’s ATMs. Looking to change your PIN and not close to a Motor City location? You can visit other Credit Union Branches across Canada to do so. Click here to find a participating Credit Union near your location.
Please note: Parental consent is required to obtain a Flex Card if you are under the age of 16.

Interac ® Flash Security Highlights

Interac has measures in place to ensure Flash is one of the most secure methods of payment. This includes:

  • Zero Liability Policy – if you have you card stolen or misplace it and unauthorized Flash transactions take place you will be reimbursed 100% of your loss. Read the policy here.
  • Single Transaction Spend Limit – single transactions cannot exceed $100, if they do the transaction will require the card to be inserted with the chip and authorized by your PIN. Note: Some merchants may have set different single transaction limits than $100.
  • Cumulative Transaction Spend Limit – Cumulative transactions under $100 can be made up to a limit of $200. Once the $200 limit is reached the transaction will require the card to be inserted with the chip and authorized by your PIN.
  • Specially design technology to protect it from electronic pick pocketing attacks
To find out more about Interac Flash Security, click here



Mobile App Expand/Collapse

Motor City Mobile App has a host of convenient features; it's a fast and secure way to handle everyday banking wherever and whenever it suits you.

With the Motor City Mobile App you can:

  • Check your account balances and account activity
  • Pay bills
  • Transfer money between accounts
  • Manage scheduled payments and transfers
  • Send or receive INTERAC e-Transfers, or add an e-Transfer recipient
  • Find your closest branch or ATM

Benefits

  • There are no new passwords to remember. All account log-in information is the same as your online banking information
  • “Remember Me” feature for a convenient and quick way to login by saving your Flex Card number to your trusted device. Click here for instructions for adding and deleting accounts.
  • Fast and easy to navigate
  • Compatible with iOS and Android devices.

Check balances in a flash with QuickView

Now you can browse selected account balances on the go, even before you've logged in. Just activate the QuickView feature in the app and a single tap of the screen will keep you in the know.

Privacy and Security

It's our priority to keep your information safe, which is why our mobile app uses the same high level of security as our online banking website.

Any questions?

Visit our Frequently Asked Questions page.


iPhone, iPod touch, and iPad are trademarks of Apple Inc. registered in the United States and other countries.® Trade-mark of Interac Inc. Used under license.

Download the Motor City App for your phone!

Apple App Store LinkAndroid App Store Link

 

ATMs and THE EXCHANGE® Network Expand/Collapse

Motor City Members have access to THE EXCHANGE® Network, a shared network of over 3,700 full-service ATMs in all 10 provinces across the country that allows members both withdrawal and deposit functions on a surcharge-free basis.

National Bank, HSBC Bank, Mac’s/Circle K convenient stores, and the majority of all credit unions in Canada participate in THE EXCHANGE® Network, meaning you can use all these ATMs at no additional cost! Free is always good.

Use our ATM Search or visit theexchangenetwork.ca to see where you can use your Flex Card.

Exchange Network Image

Visiting the USA? You also have access to 500,000 Accel ATMs in the United States1Click here for more information.

Can’t find an EXCHANGE® Network or Accel ATM? Check the back of your card for other ATM networks your Flex Card will work with1.


Interac® e-Transfer Expand/Collapse

The simple, secure way to transfer money from anywhere to anyone.

Send or receive money in a snap with Interac e-Transfer. All you need is an email and/or mobile phone number and an account at a Canadian financial institution. As a sender, you don't need to worry about figuring out where the person banks and they won't know where you do your banking, because all account details and financial institutions are kept confidential.

Whether you owe a friend for pizza, need to pay your share of the rent or expect to receive a payment from a customer, we've got you covered.

It's easy. There's no need to set up any new accounts, user IDs or passwords. As long as both parties have online banking accounts, all you need to send or receive money is the recipient's mobile phone number or email address.

It's secure. When you send an Interac e-Transfer by text or email, the money never travels with the message. Instead, recipients receive an encrypted link to deposit the funds using their own banking credentials.

It's convenient. With Interac e-Transfer, you can use any computer or mobile phone to send or receive money instantly by text or by email. Whether you owe your friend, he owes you or they just don't take plastic, you'll never need to worry about carrying cash again.

It's quick. Recipients are notified by email and/or text that they have received a payment within approximately 30 minutes from when the sender initiates the transfer.

Ways to use it

To start using Interac® e-transfer, visit your nearest Motor City branch to have a Member Representative activate this feature on your account.

Interac e-Transfer is a quick and convenient way to transfer money for almost anything, such as:

  • Repaying money you borrowed from a friend
  • Sending cash to children at college or university
  • Transferring your share of rent to your roommate
  • Sending money in place of a gift
  • Paying the invoices of suppliers (on single and dual-signature business accounts)

    Ready to get started?

    See our section for more information on how we keep your financial information safe.

    ® Trademark of Interac Inc. Used under license.

    Deposit Anywhere Expand/Collapse


    Depositing cheques is a snap.

    With Deposit Anywhere, you can quickly and securely deposit cheques with your smartphone or tablet, from anywhere, day or night.

    So whether you’re at coffee with friends, at work, or staying up late to get your banking done—any time is the right time to deposit cheques.

    Here’s how it works:

    1. Open the app on your smartphone
    2. Select your account and enter the amount
    3. Snap a photo of the front and back of your cheque
    4. Confirm the details and tap “submit”. That’s it.

    It's so easy. Watch this video on how to Deposit Anywhere.

    DEPOSIT ANYWHERE is a trademark of Central 1 Credit Union, used under license.

    Free, Fast & Secure.

    Deposit Anywhere is a free service and just as secure as depositing your cheque at a branch. Plus, it’s fast. Most people complete their deposit in less than a minute and can do it from anywhere and at any time.

    Any questions?

    Mobile Banking Expand/Collapse

    Web Browser Enabled

    Motor City's Mobile Web Service allows users to perform banking functions on mobile devices that have browser capabilities. Our Mobile Web Service supports a wide number of devices, but Smartphone users will have the best experience in using this service.

    With Mobile Web Banking you can:

    • View account balance and activity
    • Perform immediate and post-dated transfers
    • View scheduled transfers
    • Perform immediate and post-dated payments
    • View scheduled bill payments
    • Delete scheduled bill payments

    How do I register for Mobile Web Banking?

    If you are registered for Online Banking, no additional registration is required. You will simply need your account number and Online Banking password to login to your accounts through the Motor City’s Mobile Web Service at https://www.mcccu.com/m.

    What are the benefits of Mobile Web?

    • You can access banking information anywhere at any time
    • You can pay bills and transfer funds at any time which helps avoid late fees
    • You can manage budgets by being able to check account balances before making a purchase
    • You can find a Motor City branch or ATM at any time

    Is there a cost for Mobile Web?

    Motor City Credit Union's Mobile Web Service is free. Regular transaction fees associated with your bank account will apply. There may be additional costs related to accessing the internet using your mobile device. Please check your wireless plan or verify with your wireless carrier.

    What is Memorized Accounts?

    Motor City's Mobile Web Members can use memorized accounts to speed up the login process. The Memorized Accounts function can be used with mobile devices that have desktop level browsers to "memorize" the branch account numbers for those who access Mobile Web Services. The benefit is that Members do not have to enter them each time they log in.

     

    1. Accel and other ATM networks such as Interac carry additional service charges and fees.
    The INTERAC™ Association provides valuable security tips on how to protect your PIN.
    ®MEMBER CARD is a registered certification mark owned by Credit Union Central of Canada and is used under license.
    ®EXCHANGE is a registered trademark licensed for use in Canada by Ficanex Service Limited Partnership.
    Please note that Flex Card's (Debit Card) that connect to individual consumer or a proprietary business account must access a Deposit Account, credit line, overdraft account, or a savings account. Multi-signature business accounts are not permitted on the Exchange Network.
     

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