Mobile Banking

With Mountain America’s Mobile Banking, you can check balances, view transaction history, transfer funds, locate nearby branches and ATMs, make mobile deposits and pay loans anytime, anywhere using your smartphone or tablet.

The Wonders of Mobile Banking—Available on Smartphones Anywhere

Boy, do we have a convenient app for you—the latest, greatest Mountain America Mobile Banking App, totally FREE and oh-so-convenient. Here are a few of the handy things you can do with it:
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Make Mobile Deposits

Now you can use your smartphone or tablet to snap pictures of your checks and have them deposited into your Mountain America checking or savings account without having to visit a branch. That’s called convenience, with a capital C.
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Pay Bills, Transfer Funds and More

Manage your accounts on the go—no matter how fast you go, or where you’re going. Use our app to check balances, transfer money between accounts, make bill payments, view spending habits and more.
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Locate Branches and ATMs

The Branch and ATM Locator gives you the ability to quickly locate a surcharge-free ATM, Mountain America branch or shared branch, wherever you happen to be. Handy is an understatement.
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View Pending Transactions

Account summaries now show pending transactions, so there is no guesswork involved. You'll know exactly what transactions have cleared, or are about to clear, your Mountain America account. That kind of instant knowledge can bring considerable peace of mind.

Why Delay? Go Mobile Today!

Let the good times roll. Download the app today and start enjoying the conveniences of Mobile Banking.1 It’s easy. We promise. Simply visit the Google Play Store or iTunes.

Scan to download appappstore.png
Scan to download appDownload at Google Play Store
Scan to download appDownload at Amazon.com
 

If you’d like additional help, we’re here for you. Just view the iPhone tutorial or Android tutorial to get started2, or review our Frequently Asked Questions page. 

Not an iOS or Android user? Check out our Mobile Website! 

Need additional help? Visit your local branch or call a Service Representative at 801-325-6228 or 1-800-748-4302.

 

Mobile Deposit

If you can take a picture, you can deposit your check. Seriously. Deposit checks anytime, anywhere, simply by snapping a photo with your smartphone or tablet.

Mobile Deposit Makes Depositing Your Check as Easy as Tying Slip-On Shoes

We love to see you in the branch, but we’re happy to save you a trip. Using your iPhone® or Android® smartphone, iPod Touch® (Gen 4) or iPad 2 or 3, you can deposit checks from wherever you are, whenever you want.

Allow us to list all the benefits and features of Mountain America’s FREE Mobile Deposit service:

  • Deposit checks from wherever you are.
  • Have your deposit instantly credited to your account.
  • App is free.
  • Deposit transmissions are protected through login credentials, layered security, data encryption and other controls.
  • $5000 daily limit automatically given to all members.1
  • Daily limit can be increased if you qualify.

How to Use Mobile Deposit, in 5 Easy Steps

  1. Open Mountain America’s Mobile Banking App.
  2. Select Mobile Deposit from the menu.
  3. Enter the deposit amount and choose your account.
  4. Take photos (of the front and back) of your endorsed check.
  5. Get confirmation of your deposit.

Download it today!


Scan to download appappstore.png
Scan to download appDownload at Google Play Store
Scan to download appDownload at Amazon.com
 

If you’d like additional help, we’re here for you. Just view the iPhone tutorial or Android tutorial to get you started,2 or review our Frequently Asked Questions page. 

Not an iOS or Android user? Check out our Mobile Website! 

Need additional help? Visit your local branch or call a Service Representative at 801-325-6228 or 1-800-748-4302.

 

Mobile Banking FAQs


Mobile Deposit FAQs


How do I access Mobile Banking?

In order to access Mobile Banking you need the following:
  • Mountain America Online Branch Access (valid Login ID and Password)
  • A wireless device with an internet connection (see Question #3 for supported devices)
Simply enter the Mobile Banking URL: https://m.macu.com/ into the browser of your internet-enabled wireless device and then login using your Mountain America Online Branch Login ID and Password.

Which mobile devices are supported for Mobile Banking?

You can access Mobile Banking from any internet-enabled mobile phone including:
  • iOS Devices (iPad, iPhone, iTouch)
  • Android Devices
  • Windows Mobile Devices
  • Blackberry Devices
Note: devices must have an internet connection/data plan.

How does Mobile Banking handle security?

Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, mobile banking provider Servers and Mountain America's web servers is encrypted using the Secure Socket Layer (SSL).

Is there a fee to use Mobile Banking?

No. Mobile Banking is FREE! However, data and other fees may apply per your contract with your carrier

What Mountain America Online Branch services does Mobile Banking include?

Mobile Banking includes the following Online Branch services:
  • Account Summary
  • Account Transaction History
  • Transfers
  • Bill Pay
  • View Due Bills (eBills)
  • View Pending Bill Payments
  • Cancel Pending Bill Payments
  • View Bill Payment Histories
  • Mobile Deposit (iOS & Android only)
  • Spending Graphs
  • And much more!

What happens if I get locked out of Mobile Banking?

As with Mountain America Online Branch, you must call Mountain America's Service Center at 1-800-748-4302 to reset your password. Once your password is reset, you must first set a new password through Mountain America's Online Branch via your personal computer. For security reasons, you may not set your new password on Mobile Banking. Once you've set your password through Online Branch, you may use your Login ID and new password to immediately login to Mobile Banking.

Can I use Mobile Banking if I don't have access to my Mountain America account through Online Branch?

No. You must have a Mountain America Online Branch Login ID and Password in order to use Mobile Banking.

I keep getting locked out of my account when I try to login on my mobile phone. Why doesn't it accept my login information?

Using your mobile phone to enter data takes a little practice. Passwords are case sensitive; make sure you are entering your password exactly as it is set up. If your password begins with a lower case letter, you may need to use your phone's shift key to change the default from upper case. In addition, some phones require extra 'shift' key presses to enter numbers instead of letters.

Why can't I see the first few transactions of my account history?

Due to the screen size on the mobile phone, only a limited amount of information can be displayed. Some mobile phones take you to the middle or bottom of a new page instead of the top. To make sure you are at the top of the page, use the up arrow key on the phone to scroll all the way to the top of the page. If you want to view more information below, use the down arrow key to scroll down until you come to a "More" link. When you click on "More" it will take you to the next page of information.

How do I know if my phone is web-enabled?

If you have a browser of any kind or wireless web on your phone's main menu, then it is web-enabled. Contact your mobile phone carrier to confirm that your phone is web-enabled and that the service is activated.


Mobile Deposit FAQs

How long should I retain my check once I deposit it?

It is recommended you retain any check deposited for 20 days. After the 20 days, you should securely destroy the check.

What do I do with the check after depositing it?

It is recommended you retain any check deposited for 20 days. After the 20 days, you should securely destroy the check.

Will there be a hold placed on the funds?

Amounts over $2,500 will be held for 2 business days.

What if I'm not eligible to use Mobile Deposit?

Call our Service Center at 1-800-748-4302 to review your account.

Can I increase my mobile deposit limit?

Please call our Service Center at 1-800-748-4302 to review your account for a possible increase.

Is there a limit on the deposit amount or number of deposits I can make?

Each member is allowed 10 deposits per day up to $5000 total.

What apps support the mobile deposit feature?

Currently, the downloadable apps for iOS (excluding the iPad2) & Android devices are supported.

Is the money available immediately?

Yes, funds deposited (up to $500) are available immediately. Please refer to the Funds Availability policy in the Membership Agreement for more information.

Mobile Banking FAQs


Mobile Deposit FAQs


How do I access Mobile Banking?

In order to access Mobile Banking you need the following:
Mountain America Online Branch Access (valid Login ID and Password)
A wireless device with an internet connection (see Question #3 for supported devices)

Simply enter the Mobile Banking URL: https://m.macu.com/ into the browser of your internet-enabled wireless device and then login using your Mountain America Online Branch Login ID and Password.

Which mobile devices are supported for Mobile Banking?

You can access Mobile Banking from any internet-enabled mobile phone including:
  • iOS Devices (iPad, iPhone, iTouch)
  • Android Devices
  • Windows Mobile Devices
  • Blackberry Devices
  • The devices must have an internet connection/data plan.

How does Mobile Banking handle Security?

Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, mobile banking provider Servers and Mountain America's web servers is encrypted using the Secure Socket Layer (SSL).

Is there a fee to use Mobile Banking?

No. Mobile Banking is FREE!
Though data and other fees may apply per your contract with your carrier

What Mountain America Online Branch services does Mobile Banking include?

  • Mobile Banking includes the following Online Branch services:
  • Account Summary
  • Account Transaction History
  • Transfers
  • Bill Pay
  • View due bills (eBills)
  • View Pending Bill Payments
  • Cancel Pending Bill Payments
  • View Bill Payment Histories
  • Mobile Deposit (iOS & Android only)
  • Spending Graphs
  • And much more!

What happens if I get locked out of Mobile Banking?

As with Mountain America Online Branch, you must call Mountain America's Customer Service Center at 1-800-748-4302 to reset your password. Once your password is reset, you must first set a new password through Mountain America's Online Branch via your personal computer. For security reasons, you may not set your new password on Mobile Banking. Once you've set your password through Online Branch, you may use your Login ID and new password to immediately to login to Mobile Banking.

Can I use Mobile Banking if I don't have a access to my Mountain America account through Online Branch?

No. You must have a Mountain America Online Branch Login ID and Password in order to use Mobile Banking.

I keep getting locked out of my account when I try and login on my mobile phone. Why doesn't it accept my login information?

Using your mobile phone to enter data takes a little practice. Passwords are case sensitive; make sure you are entering your password exactly as it is set up. If your password begins with a lower case letter, you may need to use your phone's shift key to change the default from upper case. In addition, some phones require extra 'shift' key presses to enter numbers instead of letters.

Why can't I see the first few transactions of my account history?

Due to the screen size on the mobile phone, only a limited amount of information can be displayed. Some mobile phones take you to the middle or bottom of a new page instead of the top. To make sure you are at the top of the page, use the up arrow key on the phone to scroll all the way to the top of the page. If you want to view more information below, use the down arrow key to scroll down until you come to a "More" link. When you click on "More" it will take you to the next page of information.

How do I know if my phone is web-enabled?

If you have a Browser of any kind or Wireless Web on your phone's main menu, then it is web-enabled. Contact your mobile phone carrier to confirm that your phone is web-enabled and that the service is activated.


Mobile Deposit FAQs

How long should I retain my check once I deposit it?

It is recommended you retain any check deposited for 20 days. After the 20 days, you should securely destroy the check.

What do I do with the check after depositing it?

It is recommended you retain any check deposited for 20 days. After the 20 days, you should securely destroy the check.

Will there be a hold placed on the funds?

Amounts over $500 will be held for 2 business days.

What if I'm not eligible to use mobile deposit?

Call our Service Center at 1-800-748-4302 to review your account.

Can I increase my mobile deposit limit?

Please call our Service Center at 1-800-748-4302 to review your account for a possible increase.

Is there a limit on the amount of deposits or number of deposits I can make?

Each member is allowed 10 deposits per day up to $5000.

What apps support the mobile deposit feature?

Currently the downloadable apps for iOS (excluding the iPad2) & Android devices are supported.

Is the money available immediately?

Yes, funds deposited up to $500 are available immediately. Please refer to the Funds Availability policy in the Membership Agreement for more information.

Open an account today to enjoy the benefits of Mobile Banking!

1. New Accounts (90 days), anything over $500 will be held—all other accounts, anything over $2500 will be held.
2. Troubleshooting note: If you receive an HTTP error, please check if there is an apostrophe in your device name. To do this, go to settings>general>about>name. After removing the apostrophe, please try again.
Standard data plan rates apply and vary depending on individual calling plans. See carrier for specific rates and terms.

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