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The Harlem branch will be closed for the remainder of today and will reopen for business on Friday, November 24th. 


NYMCU Digital Banking

Control Your Accounts from Anywhere.

Bank beyond your local branch. NYMCU online and mobile banking lets you manage your money from any device—anywhere!

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Digital Banking Designed with Member Success in Mind

Almost everything you can do at a local branch can now be done from the comfort of wherever you are, with NYMCU Digital Banking.

Set up automatic bill payments, view accounts at a glance, manage your MCU debit and credit cards, and more—all right at your fingertips when you download the NYMCU Mobile App.

With more ways to manage your money, you get more bank for your buck.

Elevate Your Banking.

NYMCU Digital Banking gives you all the information a teller can provide about your accounts, transactions, transfers, etc., at a glance. Your dashboard lets you showcase certain accounts in front, color-coded so you can process your dashboard more quickly, and keep certain accounts out of view.

Your Dashboard is the main screen that displays an overview of your accounts.

Widgets are the icons along the left side of your dashboard.

How to Reorganize Your Dashboard

By default, your dashboard has certain widgets pinned already. You can add or remove widgets from being seen and then you can favorite and reorder the widgets you do want to see.

To do this, go to Settings > Select the “Widgets” tab.

A gold start [icon] indicates a favorite widget. Select or deselect to add/remove from your favorites.

To reorder widgets, click "Reorder Favorites" which will let you click down and drag widgets to the order you want.

View our guides for how to manage your NYMCU Digital Banking dashboard to discover more ways to customize your online banking experience.

Manage Your Accounts.

NYMCU Digital Banking access makes it easy to understand your money at a glance and dig deep for meaningful insights. Transfer money, schedule payments, and even categorize and search for specific transactions.

Categorize Transactions.

How much do you spend on streaming services each month? If you assign categories to your subscription payments—or any transaction—you’ll know how much you spend for that category on an ongoing basis. You don’t have to categorize all transactions, only the ones you’re interested in knowing about.

To categorize a transaction, go to “Accounts” from your dashboard. Look for the list of transactions and select “Add categories” on any transaction.

You can use the suggested categories from the list we’ve made or simply add your own category by clicking “Manage” at the bottom of the list, then “Add Category” to edit, delete, or add categories.

Some transactions will already be given a category automatically. You can reassign a new category at any time or simply remove it from that category. It can be helpful to assign transactions to a “discretionary” category to separate necessary expenses like transportation and food from going out or gifts.

NYMCU Digital Banking lets you search for transactions by category, date, keyword, and more. Learn about managing your account so you can stay on track with your financial goals.

Manage Your Debit or Credit Cards.

NYMCU Digital Banking gives you control over your debit and credit cards. Keep your banking information secure, shop worldwide, and take advantage of tools that allow you to manage your debit and credit cards.

Managing Your Credit and Debit Cards

Whether you want to get notifications for big purchases or need to initiate a balance transfer, you can manage your credit card instantly to apply those settings to future transactions.

To manage a credit card, click on the "••• More" button to expand the menu. Choose "Card Management" and select your card by the last four digits. This will open the card settings screen.

From here, you can block or unblock your card from allowing transactions, set Alert Thresholds to be notified of transactions that exceed a certain dollar amount, choose from Replacement Options in case your card is missing, and more.

To manage your debit card, download the NYMCU MyCard App.

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Adding Your Credit and Debit Cards to Your Digital Wallet

Want even more convenience at your fingertips? Add your MCU Debit or Credit Card to your digital wallet for easy access to all of your funds, even when you don’t have your card on you.

Learn more about your preferred digital wallet option:


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We want to give members the flexibility you need to bank with intention so that you can reach your financial goals with purpose. Read our full guide to learn about foreign transactions and travel notices.

Pay Your Bills.

MCU Bill Pay ensures you're always on time by paying your bills in the background. Stay ahead of payments on recurring expenses such as monthly utility costs and your phone bill.

Begin with Your Bill in Hand.

To set up a payee for the first time, start by getting your bill statement.

In the left menu, select the Bill Pay widget. On the Bill Pay screen, select "Add Payee" to create a new Business payee, then click "Next.

From there, you'll need to enter that payee's name of business, the account number of the Default Funding Account you intend to use for payment, and the payee's business information like their address and phone number.

And you're done! From there, you may be asked to verify your authorization to add a payee to your own account. This is a necessary security precaution.

We suggest you keep a list of your payees for your own records, even if it's on a piece of paper you keep in a safe place. For more on how to keep your bills in order or how to view your payment history, view our guide to using Bill Pay.


Deposit Your Checks.

Just take a photo of a check and instantly begin the process to have funds in your MCU account as soon as possible. No need to visit your local branch, and you can keep the original for your records.

Mobile Deposit Works Anywhere Your Phone Does.

Find a flat surface, fill out your check as you normally would, then open the NYMCU Digital Banking app on your phone to deposit. In addition, you need to write "For MCU Mobile Deposit Only" below the signature line.

In the app, go to Mobile Deposit.

For "Deposit Account," select where you want the funds to be deposited and write the exact amount on the check. Do not enter an approximation or a partial amount.

Note: Do not attempt to deposit beyond your daily deposit amount that may be displayed below the amount on this screen when applicable.

Tap the camera icons with “Check front” and “Check back” to take a photo of the side of your check that corresponds. You may be prompted to grant access to your phone camera - allow camera access. This is required in order to use Mobile Deposit and your camera will not be used by the app when you’re not using it.

Here are a few tips on capturing your check:

  • Place your check on a flat surface that contrasts with the color of the check. Most checks are light in color, so put your check on a solid black or dark surface.
  • Be sure that the lighting of the check and surrounding surface is the same. Angle overhead lights so they point down toward you onto the check so you don’t create a shadow.
  • Capture the entire check rather than cutting off part of it so it fits in your phone’s display. The software may require information in the margins.

Once you have good photos of the front and back of your check, tap "Deposit Check". You’ll receive confirmation of the approval via email or mobile app notification.

For more about Mobile Check Deposit and how you can rely on your smartphone for all your banking, check out Check Deposit below and other guides on this page.


Build Your Budgets.

See your accounts in one place, updated in real time, with detailed insights that matter in the moment. Categorize your transactions, find specific purchases, and review your budget to see if you're on track.

Create a Budget in a Few Minutes.

Instead of building a budget in a notebook or in a spreadsheet, you can select the Budget widget from your NYMCU Digital Banking dashboard and set one up there.

The Budgets screen will display your accounts on the left and categories of transactions on the right. Check out Manage Your Accounts to see how you can create and edit categories.

At the top left, you can enter the Budget Name. Members usually use this for their monthly budget, but this can apply to a certain period of time or be an ongoing check-in on your spending. This may reflect the accounts you want to monitor, which you'll select on the left.

Depending on your budget goals, select which budget categories you'd like to monitor. For example, if you're looking to limit spending on going out to eat, add Food & Dining to the Expenses box.

Then, put your limit or estimated spending for each category. As you spend and earn money, those categories of transactions will be recorded in your budget for the accounts you selected.

You can track your “Total Budget Progress” and discover how your actual expenses and income compare to your budget. You can also turn on alerts for when you exceed your budget.

Track your budget progress and get alerts when you’ve overspent for a certain category. Find out about other Digital Banking features and tips for staying on budget in our complete guides.

Bank However You Want, Wherever You Want.

Enjoy seamless, secure, and flexible banking options with MCU. Whether you're on the go or at your desk, you can access your accounts from your desktop browser or mobile device—so you can stay on top of your money, no matter where you are.

Not registered for NYMCU Digital Banking yet? Just choose your preferred platform, and sign up to get started.

Register for Online Banking
Download the Mobile Banking App

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Having Trouble Logging In?

If you are experiencing any issues accessing your NYMCU digital or mobile account, please contact our member support team.

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Enroll in Paperless Statements.

Want to bank on your terms while also reducing paper waste? Enroll in eStatements and unlock access to your account statements whenever you need them. No need to wait for a mail delivery to take a deeper look at your transactions and account history—eStatements are a convenient (and eco-friendly) way to level up your banking.

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Account Transfers

Move Your Money with Hassle-Free Transfers.

NYMCU Digital Banking makes it easier than ever to manage your money with seamless transfers. Move money between your MCU accounts, make payments, deposit or withdraw funds from your accounts, and transfer funds to other accounts—within MCU or externally—all done quickly and securely from the comfort of wherever you are.

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Digital Wallet

Add MCU to Your Digital Wallet.

Digital wallets offer a secure and convenient way to store your MCU Visa® debit or credit card information, allowing you to make purchases in-person or online using just your mobile device—no physical card needed.

Learn more about your preferred option:

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Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Face ID and Touch ID are trademarks of Apple Inc. Google Pay, the Google Pay word design, the Google Pay design logo, Google Pay graphics, and the Google Pay word design, either separately or in combination, are hereinafter referred to as “Google Trademarks” and are trademarks of Google Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. LTD. Use only in accordance with law. Samsung Pay is available on select Samsung devices.

Card Management

Manage Your MCU Visa® Debit and Credit Cards.

NYMCU Digital Banking gives you the ultimate control over your debit and credit cards. Keep your banking information secure, shop worldwide, and take advantage of tools that allow you to manage your debit and credit cards.

To put even more power in your pocket, our members have access to two great mobile apps to help you manage your MCU Visa® cards from anywhere: the NYMCU Mobile App, and the NYMCU MyCard App.

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NYMCU Mobile App

Our Visa® Credit Card Management tool, found in your NYMCU Mobile App, allows you to easily view your MCU Visa® credit card information (like balances and statements), pay your bill, activate or replace cards, and more.

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NYMCU MyCard App

With the NYMCU MyCard App, you can manage your debit card from anywhere—including capabilities like turning a lost card off/on, adding your card to your digital wallet, managing your PIN, setting alerts, and more.

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Bill Pay

Simplify Payments with Automatic Bill Pay.

MCU's Bill Pay service simplifies your bill payments and saves you time. With just a few taps or clicks on your device, you can easily schedule automatic payments to other accounts, businesses, or individuals.

Say goodbye to missed payments and never worry about a due date again—MCU's hassle-free Bill Pay service ensures that payments are made on time, every time.

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Mobile Deposits

Make Mobile Deposits from Anywhere.

Your next deposit is now only two steps away. With MCU’s Mobile Deposit feature, depositing a check is as easy as snapping a photo on your phone.
Step 1: Take a picture of your check.
Step 2: Upload using the NYMCU Mobile App.
Step 3: There isn’t one. You’re good to go – anywhere. After all, everyday heroes have places to be.

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Build A Budget

Access Robust Budgeting Tools.

NYMCU Digital Banking offers powerful budgeting tools to help you plan your financial future with ease. Our money management resources make it simple to spend wisely and save strategically, giving you the insights and information you need to stay on track.

Let MCU help you take control of your finances and start planning for an exceptional financial future today.

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Your Accounts Are Safe with MCU.

NYMCU Digital Banking offers best-in-class security measures to keep your accounts safe and secure. Enjoy peace of mind knowing that your account is backed by advanced fraud prevention systems, multi-factor authentication, and real-time threat assessments. You can even enable text, email, or push notifications—so you’ll be the first to know if something is amiss with your account.


Get Answers to Frequently Asked Questions.

Will I need to register for NYMCU Digital Banking?

Yes. Click on “Register” in the login box and follow the prompts to enroll in NYMCU Digital Banking.

How do I download the NYMCU Mobile App?

NYMCU Mobile Banking App

Android Users:


iPhone Users:



How do I access the digital banking platform if I forgot my username or password?

If you forgot your username or password, click on the “Forgot Username” or “Forgot Password” links in the login box and follow the instructions to complete the process to change your username or password. You’ll need your account number, social security number, birth date and email address to change your username. To change your password, you will need your username, social security number and email address.

If you have not logged in to digital banking in 12 months or more, your enrollment did not carry over to the new platform and you will need to register as a new user.

What browser and devices are supported?

We recommend that you use the latest version available for the browser for your desktop or laptop computer. Additionally, all iOS and Android devices are compatible with our online and mobile banking experience Your device should support the minimum requirements:

  • 128-bit encryption is supported
  • Cookies are supported
  • JavaScript is enabled

Desktop Browsers
In order to provide a better and more secure online banking experience to our users, the new digital banking experience will work with the following browsers:

  • Microsoft Edge: 2 most recent versions
  • Mozilla Firefox: 2 most recent versions
  • Google Chrome: 2 most recent versions
  • Safari: 2 most recent versions

Microsoft Internet Explorer is not compatible with the new digital banking experience.

Mobile Browsers
Online Banking is designed to work with touch-based operating systems commonly found on tablet devices. The following tablet-based operating systems are supported:

  • Chrome for Android
  • Mobile Safari for iOS devices

Browser Features
The following should be enabled in your devices:128-bit encryption

  • Cookies
  • JavaScript

Access MCU Member Products and Services.

All of our reliable member products and services were designed with the needs of our 600,000 (and growing) members in mind.

Log In To Online Banking
Not An MCU Member? Join Today.

* Daily deposit limits may apply.

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