ALWAYS IMPROVING
Major System Updates Are Coming Soon
In the coming weeks, we are making strategic improvements to enhance our technology, services and security. These updates will provide every member with a customizable digital banking profile, advanced fraud detection and more benefits for joint accountholders.
One member, one login
After the updates, you'll enjoy these key benefits:
- More services for joint accountholders—Joint users will be able to register for their own digital banking profile, which will allow them to access services such as card manager, Credit Score Plus and My Home Value. Explore all the perks!
- Customized profiles—Every member can tailor their profile to their preferences. Create account alerts, set up your own bill pay payees and view your credit score as often as you like.
- Improved service—Branch visits and service center calls will be more efficient and personalized to each member.
- Advanced fraud detection—With only one person per login, our systems will be able to more accurately utilize behavioral biometrics to detect unauthorized users and transactions.
- Consolidated account view—After the updates, members with multiple Mountain America accounts will be able to access all accounts on the same profile with one login.
What is changing on my personal account?
Digital banking profiles
Beginning in June, your consolidated login will display all Mountain America accounts connected to your SSN or TIN. If your login credentials are shared, anyone using them will be able to view this information. For your privacy and security, update your username and/or password to ensure only you have access. To reset your credentials in online banking, go to Security & Settings and select Security.
Joint accountholders
After the updates, joint accountholders should register for their own digital banking profile. Your unique login will ensure you have continued access to all your accounts and allow you to take advantage of the online and mobile banking services listed below.
More services for joint accountholders
With separate digital banking profiles for each member, joint accountholders will unlock access to the following services:
Utilize our app to send money to people you know and trust using their email or U.S. mobile number.*
See full card details, lock and unlock your card, request a replacement, update your PIN and set travel notices.
View your credit score, see credit alerts and explore how financial choices could change your score.
Manually pay bills or schedule automatic, recurring payments to save time.
Deposit checks by simply taking a photo with your phone.
Easily lock and unlock your Experian credit report.
Monitor your property value, view available equity and get personalized home financing recommendations.
View your statement sent directly inside digital banking.
Zelle®
Card manager
Credit Score Plus
Bill pay
Mobile deposit
CreditLock
My Home Value
eStatements
More services for joint accountholders
Once joint accountholders have registered for their own digital banking profile, they will unlock access to the following services:
Card ManagerSee full card details, lock and unlock your card, request a replacement, update your PIN and set travel notices.
View your credit score, see credit alerts and explore how financial choices could change your score.
Manually pay bills or schedule automatic, recurring payments to save time.
Deposit checks by simply taking a photo with your phone.
Easily lock and unlock your Experian credit report.
Monitor your property value, view available equity and get personalized home financing recommendations.
View your statement sent directly inside digital banking.
What is changing on my business account?
For businesses, the upcoming changes vary based on account type. Select the account you have to learn more.Business essential and nonprofit checking—direct billing
In the past, fee-based services have been paid in a lump sum at the end of the month. Starting in June, these services will be charged and processed as relevant transactions are completed. Costs for transactions will remain the same, and you will continue to receive your statement on the first day of the month.
Starting in June, you will be billed between the 10th and 15th days of the month instead of between the 1st and 5th of the month. We are also improving the format of your monthly statement to make it easier for you to find essential information.
If you have a business essential account and currently use our cash management services, such as ACH transactions, wires and business remote deposits, your account will automatically be upgraded to a business growth checking account starting June 1. This upgrade will also change your billing dates to between the 10th and 15th day of the month.
If you opened your business account with a Social Security number (SSN) instead of an employer identification number (EIN)—and registered a personal and business login—then all accounts tied to your SSN, including any personal accounts, will be consolidated under your business account profile on June 1.
Temporary loss of access to Zelle®—If your personal and business accounts are both tied to the same SSN, you will experience a temporary disruption in Zelle® access on your personal account on June 1. We estimate that access will be restored by the end of the year. If your business account was opened with an EIN, access to Zelle® for your personal accounts will continue without interruption.
Other ways to send money
Alternatives for moving personal funds include an ACH transfer or account-to-account transfer. For your business, explore our merchant services for secure payment processing and cash management tools.
Contact business services
If you have any questions about these changes, please call the business service team at 801-325-6504, option 4. They are available to assist you and provide any additional information you need.
Learn how to protect your account
See the strategies we use to keep your data secure and get tips to guard your personal information and finances.
Protect yourself online
Follow these tips to take preventative measures and keep your data secure.
Learn phishing red flags
Understanding the warning signs of a scam can protect you.
