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More Online Services Information

More About First@HOME Online Banking

How do I activate my account for First@HOME?
Call a member service representative at 989-835-5100 or 1-888-835-5151; or come into either of our branch offices and tell us that you want to activate your account for First@HOME. After we verify your identification it will take us less than one minute to set you up.
Who can activate an account?
The primary member of the account must be the one to activate it for First@HOME. A legal guardian and joint owner may activate an account for a minor.
Does First@HOME cost anything?
No! First@HOME is yet another benefit of credit union membership.
What can I do with First@HOME?
Currently, Members First online banking package allows you to:
How much of my account history is available through First@HOME?
You will be able to access 45 days worth of history on your account.
Is my account information secure through First@HOME?
Yes. First@HOME provides secure financial services through a protocol known as the Secure Sockets Layer (SSL). The SSL prevents other computers along the route from eavesdropping by encrypting all data transmitted between you and our site.
Our website and First@HOME products are also secured through separate VeriSign security certificates. Click wherever you see the VeriSign logo to gain information about our certificates.
What do I need on my computer to access First@HOME?
You will need access to the internet through a browser such as Internet Explorer or Netscape Navigator. The browser should have a minimum 40 bit encryption and ability to accept cookies. The most current versions of Internet Explorer and Netscape will be able to support a 40 bit encryption, SSL protocol, and cookies.
To download an updated version of Microsoft's Internet Explorer click here. To download an updated version on Netscape Navigator click here.
Who should I contact if I have problems?

If you have any questions, comments, or concerns related to First@HOME you can email Members First at mail@mfcu.net or call us at 989-835-5100. We're happy to help you.


 

More About Bill Pay

How do I activate my account for Bill Pay?
Call a member service representative at 989-835-5100 or 1-888-835-5151; or come into either of our branch offices and tell us that you want to activate your account for Bill Pay. We’ll place Bill Pay privileges on your account and within 24-hours you will be online paying bills instead of in line at the post office.
How do I access Bill Pay?
Through First@HOME Online Banking. You will easily find the Bill Pay option under the eServices menu. Click the link and a separate Bill Pay window will be opened. Because this service uses pop-ups as an alert mechanism, it is recommended that you permit pop-ups for the Bill Pay website. If you would like to see a demonstration, click here.
Does Bill Pay cost anything?
No! Bill Pay services through First@HOME is yet another benefit of credit union membership.
What can I do with Bill Pay?
Currently, Members First Bill Pay package allows you to:
What Browsers do you recommend?
Windows Users:

MacIntosh Users:

This service does not currently support interactive TV because TV browsers may not conform to generally accepted Web standards, resulting in inconsistent online sessions. A modem speed of 28.8 or higher is recommended.
Who should I contact if I have problems?

If you have any questions, comments, or concerns related to Bill Pay we recommend that you contact our 24-hour customer service department at 1-877-542-0176 for the quickest service. You are also welcome to email Members First at mail@mfcu.net or call us at 989-835-5100.
For additional information on Bill Pay, Quick Reference cards are available at either office. We also recommend using the Help menu within the Bill Pay system.



 

More About Multi-Factor Authentication Security

At Members First Credit Union, we take our obligation to protect your financial information seriously. In order to meet FFIEC guidelines for stronger authentication, we have added an additional layer of security to First@HOME Online Banking and Bill Pay. This security feature will combat identity theft by monitoring your account access for any uncharacteristic or unusual activity.
1. What is Multi-Factor Authentication (MFA) and why must I use it?
Multi-factor authentication is an authentication protocol that requires multiple methods of establishing identity such as 'something you know' and 'something you have' or 'something you are'.
Example: A common example is a bank card (credit card, debit card), the card itself is the physical item (something you have), and the personal identification number (PIN) is the data that goes with it (something you know).
We use characteristics of the computers you use to access First@HOME and your access habits as a form of ‘something you have’.
Financial institution regulations have mandated that we employ some form of MFA for First@HOME.
2. How does the MFA enrollment process work?

Description of the Enrollment Process:
As a new user to First@HOME, you will automatically begin the enrollment process the first time you access First@HOME. You will be prompted to enter a Username and access code. On this page there will be a link for those that have not already selected a unique username to do so. By clicking on this link you are beginning the Username Registration process. You will be asked to supply several pieces of information.


Step-by-Step of the Enrollment Process:

Once you’ve entered the required information and clicked ‘Continue”, assuming you’ve met all the Username and Password rules, you can proceed on to First@HOME.  After you’ve successfully completed the Username Registration process the system will begin to profile your First@HOME usage. The amount of time required to complete your profile will vary depending on your First@HOME usage habits (generally several weeks).

Once the system has collected enough information to complete your profile you will be prompted to complete the “Challenge Question Collection” process the next time you access First@HOME. You will be asked to select and answer three different security questions which will be used to verify your identity as needed in the future. You must provide answers to all three security questions that you select. You may continue on to First@HOME up to two times without submitting answers, but on the third time you will not be able to continue until you answer the three security questions.

Once you complete the three security questions you are completely enrolled in Members First Credit Union’s enhanced authentication system.
Once you are completely enrolled you will only be asked to answer any of these security questions if your First@HOME access attempt appears to be unusual or uncharacteristic of your typical behavior.

3. Who is impacted by MFA?
All Members First Credit Union members that utilize our First@HOME Online Banking service.
4. How much will it cost?
There is absolutely no cost to members associated with the security system.
5. Is my personal information safe?
Yes. In fact, your personal information is safer than ever before because we are making sure it is really you and not an unauthorized user trying to access your information.
6. Other than during enrollment, when will I be asked for more information?
You will only be prompted to enter additional information when access to your online account appears to be unusual or uncharacteristic of your typical behavior.

7. What additional information will I be asked?
If any unusual or uncharacteristic behavior is detected you will be asked to answer several of the security questions you chose previously.
8. What is unusual or uncharacteristic behavior?
Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to where and when you normally would bank online. If the action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.
9. How are you able to detect unusual or uncharacteristic behavior?
The security system takes into account factors such as the computers you typically use to access your account or the typical security settings for your computer. Hundreds of factors, such as these, create a profile that is unique to you that allows us to make decisions about whether the person attempting to access your account appears to really be you.
10. Will I be asked for more information all the time now?
No, you will only be asked for more information when unusual or uncharacteristic behavior is detected. This will most likely be a very rare occurrence.
11. How closely do the challenge question responses have to match the original answers I supplied during collection of the challenge questions and answers?

We recognize that you might not always remember the exact spelling, spacing and letter case (upper and lower case letter usage) that you originally entered when answering the security questions. For that reason, our system does make attempts to anticipate common English language typographical errors and ignores spaces, separators and case sensitivity.

 

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