Mobile Banking

Your finances at your fingertips

IC’s mobile banking is always available, no matter where you are, no matter what time. We also leverage the latest security innovations to ensure the highest level of protection for your finances. With just a few swipes and clicks, you can safely:

Access your Mobile Wallet via Apple Pay™, Samsung Pay, and Android Pay™
Send secure electronic payments to anyone using our Pay a Person service
View, transfer, and deposit checks with Touch ID for iPhone
Deposit checks from your Smartphone or iPad devices*
Pay bills and manage payees
Set up alerts

Now available in the More section of our mobile app

Digital Receipts

Capture receipts by taking a photo, email, or enter manually
Create folders to keep track of receipts
Export receipts
Create reminders for returns and warranty expirations

Navigation Links

Apply for a personal loan or credit card
Apply for a mortgage or home equity

Financial Calculators

Auto Loan Calculator
Home Loan Calculator
Credit Card Calculator
Share Certificate Calculator
Savings Calculator
Email the Calculation Results—All Calculators

Carrier SMS Terms and Conditions

*Deposits can take up to 3 business days to be available but small amounts are deposited the same day, except on holidays and weekends.

Disclosure: Funds from an item deposited through Mobile Deposit may become available as soon as the deposit posts to your account. Due to new banking regulations and for your protection and security, the following verbiage must be used to endorse all checks made using Mobile Check Deposit: “For Mobile Deposit Only at IC Credit Union”

Download our App

OVERVIEW

Banking On the Go

Bank Anytime, Anywhere

Banking in the palm of your hands

Mobile Deposit

Deposit your checks using your smartphone and get your funds the same day

Premium ATM Locator

Locate all surcharge-free ATMs—NYCE, SUM, and COOP

How to Enroll

Download from Apple Store

Download from Google Play

Or Contact Us

If you have any questions left

Main Office

Address
300 Bemis Road, Fitchburg, MA 01420

Phone
Main Office (800) 262-1001

Email
[email protected]

Get in touch with us

FAQ

Introduction and Registering

Q: Is my device compatible with IC’s Mobile Banking app?

Please call our Service Center 800-262-1001 for details.

Q: Is there a fee to use the app?

No. It is provided to you at no cost so you can have more control over your card.

Q: How many cards can I register?

There is no limit as to how many cards you can register. However, we recommend registering no more than 20 cards to a single profile. Any more than the recommended number may affect app performance. The card(s) must have been issued from your financial institution.

Q: What kind of cards can I register?

Debit and credit cards can be registered as long as they have a 3-digit CVV key. Normally, ATM cards are the ones that do not have this code, therefore are ineligible for registration.

Q: What if I am having trouble during registration?

Please use the Contact Us button at the bottom of the landing page and one of the support agents at your financial institution will be more than happy to assist you.

Q: Why do you need my email address?

Your email address is needed in case you forget your password and need to reset it using the Forgot Password link.

Controls & Alerts

Q: Once I register my cards, how do I begin managing and monitoring my payment activity?

You can begin using the service immediately following registration. When turning the card off, the little green button in the top right corner of the card image will turn red. This means that all transactions (except recurring) will be declined. When ready to make a purchase, you can turn the card back on instantly. In addition to the card on/off function, you can start selectively setting controls and alerts by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spend limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts, and much more.

Managing the APP

Q: Once I get a new, replacement smartphone how do I begin using the service again?

Simply download the app to your new smartphone and log in with your current user id and password. Your control preferences will remain in place, but your alert preferences will need to be reset.

Q: I received a new card number. Will it be automatically updated in the app?

When your card is reissued with a new card number, you will need to add the new card to the app via the standard registration process. Be sure to unmanage the old card. If your card is reissued with the existing card number, you will not need to add it to the app again.

Q: What if I need help with the app?

There is a Help function within the app, as well as a Contact Us section where you can send an email to your financial institution.

Q: How long will my transaction history display?

The last 50 transactions will display in the app for thirty calendar days.

Q: My pending purchase shows it is for more than I paid. Why?

Some merchants send pre-authorizations at higher amounts to test cards’ validity. For example, a $25 gas purchase might display as $26. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the charge is listed in the app for more, it will clear your account for the correct amount.

Q: How can I log in to the app without entering my login name and password every time?

You can log in with Touch ID on both iOS and Android devices that support this functionality. Additionally, Face ID can be used on supported devices as well. If your mobile device does not have the capability for login using Fingerprint or Face ID, you will be offered the option of setting up a numerical passcode.

Q: What if my smartphone is stolen? How secure is the app?

A password is required to log in to the app. Additionally, the app does not store personal information on your mobile device and will only ever display the last four digits of your card number.