eServices
MERCO Credit Union is Where you are, When you need us.
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Internet and Mobile Banking
Easily access your accounts online through our Internet and Mobile Banking App.
- Check Balances – Get your account balances whenever you need.
- Verify Transactions – View your activity to make sure it matches up with your expectations.
- Deposit Checks – Use our Mobile Banking App to deposit checks wherever you are.
- Loan payments – Schedule payments to your loans.
- Money Transfer – Send money using Zelle® or our External Transfers option.
- Live Chat – Message us online using our Chat feature.
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- Manage Alerts – Get alerts when and how you need them.
- Money Manager – Manage your MERCO and external accounts all in one place.
- Credit Score by Savvy Money – Get your credit score for free
- eStatements – Access your MERCO account statements online for quick reference and research.
- Bill Payment – Pay your bills conveniently and save on postage.
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Sign up Today for FREE Internet Banking
Download the MERCO CU Mobile Banking App
Choose your device’s app store and begin receiving all of the convenient benefits!
 
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Bill Pay
MERCO Credit Union makes it easy for you to pay all your bills in one place for free!
How to set up Bill Payment:
Internet Banking
- Select “Pay Bills” from the top of Internet Banking menu.
- Add a Company or Person to pay.
- Select a bill or merchant you want to pay.
- Choose how much and when to pay.
To get started, Sign On to Internet Banking on our homepage.
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With Bill Pay you can:
- Pay anyone you would normally pay online or through the mail—businesses, family, friends, or just about anyone with a U.S. address.
- Control exactly who, when, and how much you pay—make a one-time payment, schedule recurring payments, or set up automatic payments.
- Pay other people instantly with Zelle.
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Helpful Information
Check Orders
The fastest way to order checks is through Online Banking. On the “Accounts” page, locate your checking account. Tap on the three vertical dots to the right of your checking account. Tap on Order Checks.
You can also reorder checks directly through the Harland Clarke Website using the reorder coupon found in your checkbook.
Order Checks
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eStatements
Want to get your statement faster? Take a look at our eStatements.
Receive and view your statements and notices electronically. You will receive your notices and a monthly notification that your statement is available at an email address you provide.
Login to Online Banking
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Report Lost/Stolen Cards
Report Lost or Stolen Cards Immediately:
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Additional eServices
Credit Sense
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You Have a New Set of Financial Tools with Credit Sense
MERCO’s Credit Sense program, available FREE through Internet Banking, provides you with tools and resources designed to help you save money, better manage your finances and participate in money-saving offers.
With Credit Sense, you can:
- Monitor your credit score directly. Scores are updated automatically each month.
- View your credit report to see account details, payment history, inquiries and public records.
Credit Sense can help members gain control of their financial situation through:
- Explanations of the factors that most impact and can improve your credit score.
- The ability to calculate savings from consolidating, refinancing or assuming new debt.
- Email notifications and alerts of key changes to a credit report or suspicious activity to help prevent identity fraud.
Credit Sense provides you with access to financial literacy tools that can help you improve your financial management skills with:
- Answers to frequently asked questions on credit scores
- Hundreds of articles on credit, debit, spending, savings and relationships
Start now by signing up through Internet Banking.
If you are new to MERCO’s Internet Banking, start here.
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Money Manager
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Money Manager, available to you through our Mobile Banking App or Internet Banking, provides you with excellent financial tools.
Budget Wizard: Create a budget within minutes. Money Manager automatically tracks spending for each category, helping users adhere to their budget.
Financial Dashboard: Consolidated view of assets and liabilities held at all of your online financial institutions, as well as a snapshot of their net worth, income, expenses and savings goals.
Spending at a Glance: Charts, graphs and advanced search capabilities are available to create filtered reports for targeted transaction monitoring, or analyze spending habits to set better budgets and goals.
Get started with Money Manager today!
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Mortgage Servicing
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First Mortgage loans serviced by MERCO Credit Union in partnership with TruHome Solutions can be accessed here.
You have three options for paying your mortgage:
- Set up payments at merco.cu-mtg.com
- Mail your payment to: PO Box 219958, Kansas City, MO 64121-9958.
- TeleVoice Automated Payment System: (844) 458-1105
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Wire Transfers
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Need to send or receive funds fast and securely? MERCO can arrange for your convenient wire transfer from/to anywhere in the world. IF MOVING MONEY USING ELECTRONIC TRANSFERS SUCH AS BILL PAYMENT, PLEASE USE ABA/ROUTING 321173386 AND YOUR MEMBER NUMBER AS ACCOUNT NUMBER . THESE INSTRUCTIONS ARE FOR WIRES ONLY.
The information you need depends upon whether you’re sending or receiving and whether you’re sending money within the U.S. or Internationally. To limit delays and ensure that the funds reach their intended destination, contact the payee for their financial institution’s wiring instructions.
Domestic: Required Information includes Payee Name, Address, Account Number, Account Type, Transfer Amount, Additional wiring instructions (if applicable), and Bank Information (Name, Routing Number/ABA and Corresponding routing number (if applicable).
International: Required Information includes Payee Name, Address, Account Number, Account Type, International Bank Account Number (IBAN), Transfer Amount, Purpose of wire, Whether it is to a third-party or to yourself, Additional wiring instructions, Bank Information (Name, Address, SWIFT number and Corresponding/intermediary routing number (if applicable).
To send a wire from MERCO Credit Union to another bank, contact or visit us with the above information and we’ll help you with the rest.
To send a wire to MERCO Credit Union, provide the following information to the sending bank:
- Wire To: Corporate America CU, 4365 Crescent Rd, Irondale, AL 35210
- Wire Routing & Transit (ABA) Number: 262090120
- For Further Credit To: MERCO Credit Union, 1911 M Street, Account Number: 321173386
- Final Credit To: Name as titled on your account, your Account number
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