Mid Carolina Credit Union Facebook
Online Banking and Bill Pay
Order Checks
MCCU News

Holiday Office Closing

  

Our offices will be closed Monday, September 5th for the Labor Day holiday.


Mobile Banking gets New Features

In late August we will be rolling out the sixth major feature pack update to users of our mobile banking app. Among other updates, Feature Pack 6 adds a new feature called Instant Balance that allows users to view balance information for up to six accounts from the app’s login screen without needing to log in. Checking an account balance is one of the most popular functions for mobile banking users – Instant Balance helps make this process even easier.

Instant Balance

This is an optional feature that allows users to view their chosen account balances without needing to login. This reduces the amount of effort it takes for users to do their most common activity, checking balances. Up to six balances can be shown per user. Users must first opt in to use Instant Balance; by default, they are opted out until activation is complete.

Instant Balance is a secure, read-only feature that uses the same pre-authenticated balance inquiry used for delivering balances via text message (SMS). It cannot be used to complete transactions, and account numbers are always masked. Since no login occurs, no sensitive authentication or account information is transmitted during the interaction.

Instant Balance uses the existing multi-user login functionality in Mobiliti to remember usernames and associated accounts. Activation requires that the “Saved ID” button on the login screen be selected. Activating “Saved ID” will cause the last username entered to be automatically pre-filled into the username field each time the app is used—even if it is closed and reopened. The button label will then read “Change.”

What’s New?

What’s New is a feature designed to boost engagement by introducing new app functionality after an update. The first time users log in to the app after updating, they may be presented with a What’s New? message if one is available. This message is solely informational and will only be shown one time per user.

What’s New consists of short, explanatory text and graphics displayed in a short series of screens that users can swipe through. This introduction is designed to familiarize users with the feature and announce that new functionality is available.

 

How do I get Feature Pack 6?

If you’ve already downloaded our mobile banking app, you’ll simply download the latest update from the iOS App Store or Google Play Store, as you would with any other app update; Feature Pack 6 will be included in the update. If you are downloading the app for the first time, you will automatically receive the latest version, complete with Feature Pack 6.

How do I enable Instant Balance?

After downloading the latest version of our mobile banking app, tap the new Instant Balance button on the app’s login screen. Follow the on-screen prompts to enable the new Instant Balance feature. Once Instant Balance is enabled, you will be able to view balance information for up to six accounts at any time by tapping the Instant Balance button on the login screen.


EMV Debit Cards Are Here

Mid Carolina Credit Union is putting you FIRST, by keeping your money and your financial information as secure as possible.

We now offer debit cards with chip technology. The embedded computer chip provides more security and wider international acceptance.
 
A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.
 
These cards are already in wide use around the world and are now becoming the standard in the U.S.
 
Follow these steps to use your card at a chip-enabled terminal:
If the terminal is chip-enabled, you will be instructed to insert your card.
  1. Insert your card, face up and chip end into the chip-enabled terminal.
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

     To see a video with instructions, click here.

If a merchant isn't using a new chip-enabled terminal yet
Your payment will process as it normally does from your initial ‘swipe’. Chip cards will continue to have the magnetic stripe on the back.
 
Online or phone purchases
Provide your card information as you have done in the past. Chip cards will not change the way payments are made online or by telephone.
 
At an ATM
The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts on the screen. Depending on the type of ATM, you may be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card. A PIN is needed for ATM transactions.
 
When will the change happen?
 
Even though chip cards are being issued in the U.S. and some merchants have already installed chip-enabled card terminals for payment, the entire conversion process is expected to take a few years to complete. That's why chip cards will continue to have a magnetic stripe on the back. That way, if a merchant's terminal or an ATM is not yet chip-enabled, your transaction can still be processed using the magnetic stripe as it is today.
 
When will I get my chip card?
 
To ensure that all of our cardholders have the additional protections offered by chip cards as soon as possible, we will be replacing all debit cards starting late-August. Once your new card arrives, be sure to activate it for use and then destroy your old card. There is no need to request a new card. You’ll automatically receive your chip card in the mail. There is no charge for the new chip card.
 
How am I protected?
 
With Zero Liability–All debit and credit cards that we issue come with 'zero liability protection,' so you are not held liable for unauthorized transactions if a card is lost, stolen, or fraudulently used at a merchant or online. It is important that you promptly report a lost or stolen card or any suspicious transactions. See the applicable agreement for your account on liability and reporting requirements for unauthorized transactions.
 
 
Frequently Asked Questions
 
What are chip cards?
A chip card - also called a smart card or an EMV card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions. These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as a way to fight card fraud resulting from theft, skimming and counterfeiting. The EMV technology has been adopted by the other major card brands and issuers.
 
Is a chip card more secure than my current card?
Yes. Chip cards add an additional layer of security to the safeguards that already protect your card. Each time you use your chip card, it generates a code that is unique to that transaction. This makes it harder to counterfeit your card or to use it fraudulently for in-store purchases.
 
Can I use my chip card anywhere?
Yes. Your chip card can be used virtually anywhere Visa is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction. In the U.S., you will still be able to 'swipe' your card to make your payment if a merchant has a regular terminal. You will need a PIN to be able to make a transaction at an ATM.
 
When will I get my chip card?
 
We will be replacing all cards starting late-August. Once your new card arrives in the mail be sure to activate it for use and then destroy your old card.
 
Can I still use my current card?
You can use your current card until you get your chip card. At that time, activate your new chip card and start using it. Be sure to destroy your old card by cutting it up or shredding it.
 
Do I need to sign the back of the card?
Yes. You still need to sign the back of your card.
 
Can I use it to make purchases online or by phone?
Yes. You can use your chip card to make these purchases as you do today.
 
Can I use my card at an ATM?
Yes. For ATM transactions, insert your card into terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card and any money you might have withdrawn.
 
When I used my chip card at an ATM, I was asked to select between “Debit” and “Visa Debit”. Which one should I choose?
It is fine to select either one – your transaction will work either way.
 
What is the difference between chip and signature and chip and PIN?
You may be asked to provide your signature or enter your PIN to complete a transaction when you use your card. You will need to use your PIN at ATMs and it may be required at some unattended terminals such as fuel pumps and payment kiosks. Please note that some merchants are now requiring you to use your PIN for debit card transactions (previously you could select “credit” to sign instead). This is why it is important to select and remember your PIN. You are always protected against fraud no matter if you sign or enter your PIN.
 
What if my card is lost or stolen?
It's important to report a lost or stolen card immediately. Keep a record of the telephone number on the back of your card and call it if necessary.
 
Will chip cards prevent data breaches?
While chip cards won't prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.
 
Does a chip card contain more information about me that could be stolen?
No, a chip card does not contain any information about you that isn’t in your magnetic stripe cards – just your name, account number, and expiration date.
 
Can someone steal the information in my chip card remotely using radio waves or a “contactless reader?”
No, your chip card must be inserted into a POS terminal or ATM in order to read the chip.
Contact us for more information

Call us at 803-432-8521 or stop in if you have additional questions about chip cards, or if you are interested in opening an account.


Carowinds Discount Ticket Program

With our Online Any Day Ticket program with Carowinds, you receive Good-Any-Day discount ticket prices just for being a member of Mid Carolina Credit Union!

We provide you with a customized login and password, found below, that instantly gives you the discount ticket price, once you make your selections, payments are made directly to Carowinds online via credit/debit card and tickets are printed instantly at home! IT'S THAT SIMPLE!

Discount Ticket Prices:

  • 2016 Early Saver Ticket valid thru 6/19/16 - $38.50 (ticket must be used by 6/19/16)
  • 2016 Single Day Admission - $40.00
  • 2-Day Admission - $62.99

*Please note - this is an online discount program, we do not have tickets for sale within our branches.


Photo Contest - MY MCCU MOMENT

 

CLICK PROMOTION OR  CLICK HERE,  TO BE TAKEN TO FACEBOOK ENTRY.

 

Please note: This is a Facebook contest, find the contest link on our Facebook page or click the contest promotion above to be taken to entry.

TERMS & CONDITIONS

Contest Rules

  • Entering The Contest & Submission Requirements 
- Online Submissions Only
  • Enter your submissions via the entry form through Facebook.
  • Register by entering your first and last name, and email address.
  • Upload Image (image format should be a high resolution JPEG at 150 DPI or higher. Please keep photos “clean” and appropriate.
  • Enter a short description of the image, “My MCCU Moment”, captured and how Mid Carolina Credit Union helped you.
  • Submit your entry., Once the registration process has been completed, you will be directed to a page confirming your entry.
  • Only one image and story can be submitted per person. 

Contest Dates and Deadlines

The MY MCCU MOMENT Photo Contest begins April 1st, 2016 at 8:30 am Eastern Standard Time (EST) and ends December 30th, 2016 at 5:00 pm (EST). Winners will be announced monthly on/around 1st of each month (on business day) starting in May 2016.

Who May Enter

Mid Carolina Credit Union Members…anyone who has been helped by Mid Carolina Credit Union!

Entry Fees

 There is no cost to enter.

Judging

Winners will be picked at random from entries.

Consent Agreement

Submission of an entry to the contest automatically constitutes the contestant’s acceptance of all conditions set forth in the above rules. By submitting images you grant Mid Carolina Credit Union (MCCU) the right to use the entry in exhibitions and promotions in print and online, (including, but not limited to contest and seasonal promotions), as well as the right to re-size images for these purposes. MCCU will not exploit your image for any form of direct compensation. You also grant MCCU permission to put you on our e-mail list to receive credit union updates (you can opt out at anytime). Entries not complying with the rules set forth above will be disqualified.

Prizes

$55 cash (total of 9 winners, 1 per April-Dec. 2016)




Access Visa
Go Mobile
Videos
Latest News & Events
Holiday Office Closing
Our offices will be closed Monday, September 5th for the Labor Day holiday. ...(more)

Mobile Banking gets New Features
In late August we will be rolling out the sixth major feature pack update to u ...(more)

EMV Debit Cards Are Here
Mid Carolina Credit Union is putting you FIRST, by keeping your money and your ...(more)

Carowinds Discount Ticket Program
With our Online Any Day Ticket program with Carowinds, you receive Good-Any-Da ...(more)

Photo Contest - MY MCCU MOMENT
CLICK PROMOTION OR CLICK HERE, TO BE TAKEN TO FACEBOOK ENTRY. Please note: ...(more)


Report Lost/Stolen Card
Quick Links & Applications
Apply For Loan
Online Banking
Home & Family Finance
Copyright © 2013 by Mid Carolina Credit Union | Site Design by JSS Enterprises, Inc.
719 Highway 1 South, Lugoff, SC 29078
803-432-8521 or 1-800-433-5226
Verified by Visa