Mobile App + Online Banking | MyUSA Credit Union

Available When You Need Us Most

We’re here when you need us most, providing affordable, trusted, local financial solutions designed to help you reach your goals. Whether you’re exploring Southwest Ohio, cheering on our local teams, or enjoying time with the people who matter most, MyUSA Credit Union is here to support you every step of the way. With secure Online and Mobile Banking¹, you can conveniently manage your finances anytime, anywhere, giving you greater confidence and peace of mind.

Log into Online Banking

1. Online Banking and our Mobile App employ industry-leading features to ensure all your transactions are conducted with the highest possible privacy and protection. All data is encrypted using 128-bit encryption, the strongest form available, and transferred via the Secure Sockets Layer (SSL) protocol.

Mobile App

With the MyUSA Credit Union Mobile App, you can:

Access the app quickly and securely using facial recognition, voice recognition, fingerprint authentication, or a 4-digit PIN
Manage your debit and credit cards with Card Controls, including locking and unlocking your cards
Deposit checks using Mobile Check Deposit² and get access to your funds in real time
Access your free credit score
Pay bills with Mobile Bill Pay
The MyUSA Credit Union Mobile App is available for iPhone and Android³
Download the MyUSA Credit Union Mobile App for your iPhone or Android device

2. First-time users will be required to register. Mobile Check Deposit is available for members in good standing that meet certain criteria. Not all members will be eligible. See a MyUSA representative for details. 3. Google Play and the Google Play logo are trademarks of Google LLC. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc.

Mobile App Frequently Asked Questions

If you’re not seeing the latest navigation or features in the MyUSA Credit Union Mobile App, you may need to update the app. Visit the App Store or Google Play and check for an available update for the MyUSA Credit Union Mobile App.

Don’t worry. You will not need to change your username, password, or security questions when you update the app.

Yes! Simply click the customizable profile icon in the top right-hand corner to switch accounts.

Yes! Simply select Accounts in the footer and log in when prompted. Once you’re logged in, you can select the gear icon to choose which accounts you want to display and arrange them in the order you prefer.

Download on the App Store — for iPhone/iPad

Get it on Google Play — for Android

The MyUSA Credit Union Mobile App makes managing your finances easy and convenient. View your account balances and transaction history, make transfers, deposit checks, pay bills, apply for a loan, find a Shared Branch, and more.

Yes! You can use your fingerprint, Face ID, or other biometric security features supported by your device to quickly and securely access the MyUSA Credit Union Mobile App. You can also choose to use a 4-digit PIN. To set up this convenient security feature, open the app, select My Accounts, and follow the prompts.

Yes! You can easily pay your bills through the MyUSA Credit Union Mobile App. Simply log in, select Move Money, and then choose Bill Pay to get started.

Yes! You can deposit checks right from the MyUSA Credit Union Mobile App. Log in to the app, select Deposit from the button in the footer, and follow the instructions on the screen to complete your mobile check deposit.

Online Banking

With MyUSA Credit Union Online Banking, you can:

Check account balances and view transactions in real time
Access your free credit score
Personalize your accounts and assign nicknames
Access your joint account(s) without logging out of your primary accountTransfer funds between accounts and make loan payments
Transfer funds between your MyUSA Credit Union account and accounts at other financial institutions with Account-to-Account (A2A) Transfers⁴
Set up or change automatic transfersPay bills with Bill Pay
Send Person-to-Person (P2P) Payments⁵
Open additional accounts or apply for a loan
View check images or place stop-payment requests
Set up eAlerts and enroll in eNotices
Update your address or phone number
View annual dividend and interest information

4. Contact MyUSA Credit Union to set up this services. 5. Set up service in online banking, mobile app, or contact MyUSA Credit Union to manually set up this service. Transfers do not happen on weekends or general holidays. Allow 72 hours for transfer requests to be completed. MyUSA Credit Union cannot cancel or reverse transfers

Online Banking and More Mobile App Frequently Asked Questions

When entering your password and/or security question to access the new Online Banking, you may encounter a message. Please note: this does not mean that your account or password have been compromised. This message is also not originating from MyUSA Credit Union’s Online Banking. Instead, it is originating from Chrome, as the browser now features built in functionality where it can intercept password fields and compare them against lists of compromised passwords from the dark web.

This security feature is part of Online Banking and the Mobile App and is designed to help protect your account and personal information.

Click on the Gear Icon next to Favorite Accounts
Click on the Three Horizontal Bar Icons next to the account you want to move and Drag and Drop it where you would like it in the order
Click Save
Click Home in the navigation bar next to the MyUSA logo

If you are the owner of multiple accounts, contact MyUSA Credit Union to activate Jump features.

Click on the Down Arrow next to your name in the right-hand corner
Select the Account you want to view

Online Banking > Pay & Transfer in the Navigation Bar > Quick Transfer. Contact MyUSA Credit Union to set up the ability to switch memberships or transfer to/from another financial institution (known as A2A transfer).

Yes! Once logged in, select Member Services from the navigation bar, then choose Download Account History. Select the account, date range, and file format you want, then click Download Activity.

An e-mail is sent to Members usually on the 1st, no later than the 2nd or 3rd of the month with a link to Online or Mobile Banking so you may view your current and past eStatements. If you have not received this e-mail:

Have you looked in your email junk or trash bin?
Has your email address recently changed? To check / fix this, log in to Online / Mobile Banking > click the down arrow next to your name > click Personal Info & Settings > click Personal Information.

Yes! In Online Banking or the App click Member Services in the Navigation Bar > ACH Transactions.

Absolutely! You can transfer money to and from MyUSA Credit Union and other financial institutions using A2A (Account to Account). To set up, log in to Online Banking and either:

under Shortcuts > click Account to Account Set Up Form.
click Member Services > Helpful Links > complete the Account to Account Transfer.

Once set up, the other financial institution will be another option for you under Quick Transfer.

Absolutely! You can use Pay Anyone to send money through both Online Banking and the Mobile App.

In Online Banking: Select Pay & Transfer, then choose Pay Anyone.

In the Mobile App: Select Move Money, then choose Pay Anyone.

After logging into Online Banking, go to your checking account and click Account Details – then:

In Transaction History, the cleared draft # will be shown > click View Check.
Or enter the check # in the Search Transactions fields.

In Online Banking: Click the arrow next to your name in the top right-hand corner > Click on Personal Info and Settings > Click on Message Center

In the Mobile App: Click the customizable profile icon in the top right-hand corner > Click Message Center

Your credit card will appear as a loan in Online Banking and the Mobile App, where you can view your current balance and transaction history.

SavvyMoney

Your credit score can play an important role in your financial life. It may affect your ability to qualify for a loan and the interest rate you receive. That’s why MyUSA Credit Union offers SavvyMoney through Online and Mobile Banking to help you better understand, manage, and improve your credit.

With SavvyMoney, you can check your credit score and access your credit information anytime, right from your phone or computer. It’s a free benefit for MyUSA Credit Union Members and provides personalized insights and resources to help you take control of your credit.

You can refresh your credit report daily without negatively affecting your credit score. Plus, SavvyMoney provides:

Your credit score and complete credit report
A detailed breakdown of the factors affecting your credit score
Personalized recommendations to help improve your credit
Money-saving offers tailored to your financial profile
Helpful financial education and credit tips
Credit monitoring alerts to help you stay informed
The ability to easily dispute inaccurate information on your credit report

SavvyMoney Frequently Asked Questions

The program is a free service for Members and is a great resource to help you improve your credit score. Plus, we’ll provide you personalized tips on improving your score and send you special offers! You can refresh your report daily without any negative affects to your score.

SavvyMoney also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

You can find SavvyMoney in both our Online Banking and Mobile App.

If you access SavvyMoney through Online Banking or the Mobile App, your email address will automatically update in SavvyMoney when you update it through Online Banking. However, we always recommend keeping your contact information up to date with MyUSA Credit Union.

SavvyMoney provides a detailed view of your credit report, including your open loans and credit accounts, recent credit inquiries, payment history, credit utilization, and any public records appearing on your credit file. Checking your credit report through SavvyMoney is a soft inquiry and will not negatively impact your credit score.

No. SavvyMoney is entirely free and no credit card information is required to register. The best part-since is, it is part of Online Banking and the Mobile App there are no additional username or passwords needed.

As long as you are a regular user, your credit score will update every month. You can click “refresh score” as frequently as every day by navigating to the detailed SavvyMoney site from within Online Banking or the Mobile App.

No. Checking SavvyMoney is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Yes. SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile.

SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660,
Unfavorable 501-600, Bad Below 500.

No. MyUSA Credit Union uses its own lending criteria for making loans.

No. SavvyMoney is a free service to help you understand your credit health, how you can make improvements in your score and ways you can save money on your loans with MyUSA Credit Union.

SavvyMoney can help you manage your credit so when it comes time to borrow for a big-ticket purchase, like buying a home, car or paying for college. You have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with MyUSA Credit Union.

SavvyMoney makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their Credit Sense Credit Report.

Based on your SavvyMoney information, you may receive MyUSA Credit Union offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely.

Bill Pay

With Bill Pay, you can:

Easily set up and manage your payments
Schedule one-time or recurring payments, reminders, and alerts
Set up eBills with select vendors and keep copies of your bills in one convenient place
Monitor your payment status and view your payment history

Bill Pay Frequently Asked Questions

There are two types of payees: electronic and check. Depending on the payment arrangement we have with your vendor, your payment is sent electronically or by check. For electronic payments, the funds to cover a bill payment are withdrawn from the funding account on the selected payment date. For check payments, the funds are withdrawn when the check clears, after the payee deposits the check.

Mobile App – click Move Money in the footer > click Bill Pay > click Payments

Online Banking – click Pay & Transfer > click Bill Pay > click Payments

When setting up a payment, be sure to pay special attention to the “Estimated Delivery” date to the left of the calendar. Make sure this date is on, or prior to, your due date. Payments set up after 5:00 pm ET will be processed on the next business day. When you click Submit Payment, be sure to click the OK button on the next screen to complete the payment process.

Mobile App – click Move Money in the footer > click Bill Pay > click Account & Settings > click Unenroll

Online Banking – click Pay & Transfer > click Bill Pay > click Accounts & Settings > click Unenroll

Note: Be sure you cancel any pending payments first and make other payment arrangements with your vendors.

Have more questions? Visit our Frequently Asked Questions page for answers to more common questions about MyUSA Credit Union.