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CEFCU On-Line & Mobile Banking

On the go? On the couch? No matter where you are, your money is just a touch or click away.

Use any device — phone, tablet, laptop, or desktop — to connect whenever and wherever it’s convenient for you!

Get access to your CEFCU accounts anytime, anywhere, and on any device.

What can you do with CEFCU On-Line & Mobile Banking?

  • Manage accounts
  • Move money
  • Deposit a check (app only)
  • Send secure messages
  • Make Loan and Credit Card Payments
  • Pay bills
  • View eStatements
  • And so much more!

Almost everything!

CEFCU On-Line & CEFCU Mobile Banking were designed to let you easily manage nearly all of your finances. Whether you access your accounts from your computer, tablet, or smartphone, everything looks and functions the same.

The modern, intuitive design makes it smooth and easy to go from one device to another.

Online & Mobile Banking Features

  • Online Budgeting Tools

    Use the Online Budgeting Tools to understand your spending, categorize transactions, set budgets, and meet your financial goals! Access the Online Budgeting Tools when you log in to CEFCU On-Line.

  • CEFCU My Pay

    Send money to friends and family with free, secure CEFCU My Pay. Grab your CEFCU Debit Mastercard® and log in to CEFCU On-Line or Mobile Banking. Go to Transactions in the menu and select CEFCU My Pay.

  • Apple Watch®

    Access CEFCU Mobile Banking with the Apple Watch app. View your top 10 accounts, including account balances and the 10 most recent transactions.

  • Debit Card Alerts

    Coming Soon: Watch for your chance to sign up for CEFCU Debit Mastercard alerts. Choose from seven alert types, including dollar amount and ATM withdrawals, and have them delivered by email, text, or secure message.

  • Mobile Check Deposit

    Deposit checks without leaving the house! Use the Mobile Banking app to take a picture of the front and back of an endorsed check to deposit it.

Online & Mobile Banking also allow you to:

  • Make it personal.

    Choose your theme, set your preferences, select personal alerts, and more. Prefer to view in Spanish? There's a theme for that!

  • Manage your account anytime/anywhere.

    Transfer money from your account or another's and pay or apply for a loan.

  • Practice secure banking.

    Choose from fingerprint, face, or passcode authentication — depending on the device — when you use our app. Secure Access codes help protect your account, which is a priority.

  • Keep track 24/7.

    Access account information and history on your desktop or device. Sign up for fast, secure eStatements, too.

Get Started

Enrolling in CEFCU On-Line and CEFCU Mobile Banking is easy!

Download CEFCU’s app, or connect from your web browser.

If you're already a CEFCU On-Line Banking user, you can use your login ID and password to access Mobile Banking. If you haven't registered for On-Line Banking, get started here.

Tips & Information

Help

  • Have questions about CEFCU On-Line or Mobile Banking? Stop by or give us a call. We'd love to talk with you!

Online & Mobile Banking - FAQs

Online Banking FAQs

Mobile Banking FAQs

  • What is CEFCU's Mobile Check Deposit?

    Mobile Check Deposit allows you to deposit a check using a smartphone or tablet that's supported by CEFCU Mobile Banking.

    Photograph the front and back of your check, enter the deposit details, and you're done!

  • What types of transactions can I do through Mobile Banking?

    You can perform the following transactions and use these features through Mobile Banking:

    • View your account information and history
    • Deposit checks with Mobile Check Deposit
    • Make transfers between CEFCU accounts and from member to member
    • Pay bills using Quick Access or Advance Bill Pay
    • Use the location search to find Member Centers and ATMs
    • Reorder checks
    • Apply for a loan
    • Set account alerts
    • View eStatements
  • How do I enroll in CEFCU Mobile Banking?

    If you haven't enrolled in CEFCU On-Line and Mobile Banking, go to the Account Login box on the CEFCU homepage from a web browser or download the CEFCU Mobile Banking App from the Apple App Store or Google Play Store and click "Sign Up" and follow the appropriate steps.  Your login credentials (Login ID and Password) are the same for both web browser and mobile app access.

Security

What is a “Secure Access Code?”

Secure Access Codes are part of CEFCU On-Line’s enhanced safety system, called multi-factor authentication. With MFA, you prove your identity (and therefore your right to access your CEFCU account) with two or more “factors.”

Factors can be:
• Something you KNOW (like your account number, user ID, date of
birth, or password)
• Something you HAVE (like a phone or email account)

With a Secure Access Code, the CEFCU On-Line server sends a randomly generated six-digit number to a phone number or email that’s already on file — so it can’t be faked on the spot by a fraudster. The Secure Access Code expires after a single use or a few minutes; whichever comes first.

Secure Access Codes can be sent via text, email, or even by an automated voice call — however you prefer. And, if you choose, you can “register” your device, which writes a browser cookie, so you won’t have to re-enter the Secure Access Code every time you log in (unless you delete your cookies).

Need help getting started or want to learn more about Secure Access Codes? Check out our CEFCU On-Line User Guide and video tutorials.

CEFCU On-Line Safety Tips

• Ensure your web browser, operating system, anti-virus software, and other applications are current and support 256-bit encryption.

• Memorize your passwords and change them regularly.

• Log off your CEFCU On-Line session when finished.

• Do not leave your computer unattended when logged in to CEFCU On-Line.

• Do not use public computers or unsecured WiFi when accessing CEFCU On-Line.

• If you receive an error when logging in to your account, report the error to 1.800.633.7077.

*Please note: During CEFCU's nightly processing hours, typically the hours of 8 pm (CT) and 3 am (CT) Monday - Friday and 5 pm (CT) to 12 am (CT) Sunday, transaction history displayed within CEFCU On-Line and Mobile Banking may not show all transactions for that business date and may not display an accurate calculated running balance.  However, the Current Balance displayed on the account is accurate at the time it is presented.