FAQs

You did not select any security questions when first signing up for Online Banking. You will need to contact the credit union to reset your Online Banking user profile.

You will need to add and register your external account by logging into Online Banking, select "Bill Pay" and setup account to account transfers to other financial institutions. A checking account is needed in order to use Bill Pay.

You may have incorrectly entered your password at least three times and therefore are locked out of Online Banking. Please contact the credit union to unlock your user profile and/or to reset your password.

You can reset your password by either selecting the “Forget Security Code” feature on the login page or by contacting the credit union.

You will need to enroll in e-Statements via Online Banking. Log in and select Self Service, then select e-Statements.

Mobile Deposit is a service on the Maui County FCU mobile banking app that allows you to use your iPhone or Android phone to make a deposit into your MCFCU account by taking a picture of the front and back of your endorsed check.

First, make sure that you signed up for online banking, you will need to have online banking to sign into mobile banking.

Endorse the check(s) using BLUE or BLACK ink to sign your name (indicated by "Your Signature" in the example to the right). Below your signature, print "For MCFCU Mobile Deposit Only". 

Open the Maui County FCU mobile app and login using your username and password. Then follow these steps:

1. Tap the "Deposit" icon at the bottom of the screen.
2. Tap "Deposit a check" to initiate the deposit.
3. Tap "Select to account" and choose the savings or checking accounts that you'd like to make the deposit to.
4. Enter the dollar amount of the check that will be deposited.
5. Tap the "Take photos" button. You must allow the app to take photos in order to complete the deposit.
6. Take a photo of the front of the check and tap the "Use" button, making sure the check is the largest size that it can be within the frame that is shown.
7. Turn the check over, take a photo of the back of the check, and then tap the "Use" button. 
8. Tap the "Make Deposit" button to submit your transaction.

After the deposit is done, we recommend keeping the check on-hand until the deposit has gone into "Accepted" status. If a check was rejected, you may need to bring the check into one of our branches.

Tap "View mobile deposit history" to see the the history of all, accepted, pending, and failed mobile check deposits. Tapping the ''Accepted", "Pending", and "Failed" options will provide a status on deposits and tapping on any individual item will show you the details for that particular item. 

The service is absolutely free to members. However, wireless carriers may charge fees for data usage. Please check with your wireless carrier for more information.

You must be 18 years or older. Mobile Deposit is available to members in good standing. Eligibility can be revoked at any time and without notice. To get started you will need to be enrolled in Online Banking and have our Mobile App downloaded on your mobile device.

Apple IOS and Google Android support mobile services.

You can deposit checks into your MCFCU Savings or Checking Accounts.

We will accept original checks payable solely to you. You should not use MDC to deposit third-party checks, substitute checks, copies of checks, travelers checks, money orders, checks drawn on a foreign bank, post-dated checks, or checks older than 6 months old. For more information on ineligible check items please refer to the Mobile Deposit Capture Agreement.

You can view the status of your check deposit by accessing the 'Deposit History' feature in the Mobile App. Alternatively, you can view your account history to check your account balance to confirm the check deposit and to confirm when the funds will be available.

Mobile Deposits submitted prior to 3 p.m. Pacific Standard Time each business day , will generally be processed on the same day. Checks submitted after 3 p.m. PST, on weekends, or holidays will be processed on the next business day. A business day is considered every calendar day except Saturdays, Sundays, and federal holidays.

You can deposit a total of $5,000 on any single business day or a single deposit. For the purposes of these limits, Saturdays, Sundays, and federal holidays are considered part of the next business day.

Funds made through Mobile Deposit will generally be available the first business day after receipt. However, the deposit may be delayed up to three (3) business days after receipt depending on the circumstances. Please refer to the MCFCU Funds Availability Policy Disclosure for more information.

If we are unable to process your deposit or a correction is required, we will send a message to you via Online Banking. You can also view the status of your deposit in the Mobile Deposit section of our Mobile App under "View mobile deposit history". NOTE: the status information provided by the app is subject to change.

Check deposits made with Mobile Deposit Capture are identified as 'FiservIP Check DEP' on your account statement and Online Banking history.

Yes, we require proper endorsement on the back of the check. You must sign your name and write 'For MCFCU Mobile Deposit Only' in the endorsement section.

Please contact the credit union to file a dispute.

You can log into Online Banking to view your pending deposits or withdrawals.

Maui County FCU doesn’t participate in shared branching.

Please contact the credit union for more information.

The credit union does not keep your PIN on file. You can call 1-800-757-9848 to select a new debit card PIN.

You can either call or stop by the credit union to reorder checks.

Your debit card will expire on the last day of your expiration date month.

Your replacement debit card will be mailed out approximately 45 days prior to the last day of your expiration date month.

You can access or redeem your UChoose Rewards by logging into www.UChooseRewards.com.

The normal processing time for Consumer loans is 2-3 business days and possibly longer depending on several factors. Please let us know if your situation requires a quicker response. Mortgage loan processing is discussed with borrowers for their specific situations.

Many people try to get the lowest payment or the highest loan amount they can qualify for, but that is usually not the best loan for you. The way to select the best loan for your situation is to discuss what you’re trying to accomplish with one of our loan officers.

Lenders primarily look at your income compared to the monthly debts you have, your credit history, and any collateral in determining how much you can qualify for.

Income documentation such as paystubs as well as documentation on any collateral. Your loan officer will let you know the specific requirements for your loan type.

Your interest rate is dependent on your credit score, loan type, term, and collateral. Other factors may impact your interest rate as well.

Please contact one of our branches as the process is different depending on where the funds are coming from.

Please call (808) 244-7968.

Ask our branch staff on how to sign up for our free credit monitoring service via our Home Banking App which will also have helpful hints to improve your credit. You may also make an appointment with one of our loan officers to discuss your specific situation.

Ask our branch staff on how to sign up for our free credit monitoring service via our Home Banking App which will also have helpful hints to improve your credit.

For consumer loans, please email [email protected]. For mortgage and home equity lines of credit, please email [email protected].

No, we do not offer student loans at this time, however, we have other products that may be able to help with your educational needs such as personal loans and home equity lines of credit.

No, we do not have personal lines of credit, but we do offer competitive credit cards with limited costs for cash advances and convenience checks.

Your interest rate is dependent on your credit score, loan type, term, and collateral. Other factors may impact your interest rate as well. Please see our rates page for more information.

Yes, we would love to see if it will be beneficial for you to refinance your auto loan.

Yes, we can help you decide what loan best fits your budget and needs before you select your specific vehicle.

Get our current rates here.

Apply online on our website or come into any of our branches.

Our credit cards are accepted worldwide and are a great way earn reward points. Our cards have a low fixed rate and low fees.

Please call the number on the back of your card or email [email protected].

Please call the number on the back of your card or email [email protected].

Please call the number on the back of your card or email [email protected].

Please call the number on the back of your card or email [email protected].

Please call the number on the back of your card or email [email protected].

Please email [email protected] or visit one of our branches.

Please call the number on the back of your card or email [email protected].

Please go to midwestloanservices.com for Online services available, call customer service at 800-262-6574, or email [email protected]

We require a minimum of 10% down payment of the purchase price. Certain loan types and collateral types require a higher down payment amount.

Yes, we offer jumbo loans on a limited basis.

Yes, we offer both land and construction loans.

No, we do not offer mortgages on leasehold properties.

Email us at [email protected] or call us at 808-244-7968 and ask to speak to our Mortgage Department to talk about your refinancing options.

Applying online on our website will allow you to upload documents and get emailed updates or you may call 808-244-7968 and set up an appointment with one of our mortgage department staff.

The specific amount of your closing costs vary by your loan type, loan amount, and other factors. After we receive a completed application, you will receive an estimate of closing costs for your situation. Closing costs may be categorized as:

• Lender fees: (Loan processing fee, Loan origination fee, Document preparation fee)
• Third-party fees: (Appraisal, Credit report, Title and Escrow, Flood certification)
• Taxes and other costs: (Recording fees, County/State/Federal taxes)

A Home Equity Line of Credit is a form of revolving credit in which your home serves as collateral. It is a flexible lending solution where you can draw against your credit limit conveniently for different things that are important to you. You are able to re-borrow any part of your credit line again once you have repaid it as long as your draw period has not ended. Please see the HELOC product description for more information.

To request a mortgage or home equity payoff please email us at [email protected].

Although we do not offer deals for first time home buyers, we have helped many first-time homebuyers buy their homes with our existing mortgage options.