Total Protection Guarantee

We safeguard your funds, your privacy and your transactions.


MECU is committed to safeguarding your personal information. We employ the latest technology and security measures in accordance with federal law to protect your privacy and keep you from becoming a victim of fraudulent activity. Online access to your account is possible only after you have registered on and use a personal password to log in via our secure server. Please note that MECU will never ask you for account information, such as your online banking password or PINs.

Ways MECU Protects You
Online Security
Mobile Banking Security
Privacy Policy
Identity Theft Assistance
Total Protection Guarantee

Ways You Can Protect Yourself
Report Fraud
Learn About Phishing And Online Scams

Online Security
128-Bit Secure Sockets Layer (SSL) Technology

When you access your MECU accounts online, you must use a browser that supports 128-bit encryption, the strongest method of encryption available for use today.


The servers that run MECU's site are protected by firewalls, which are systems that prevent unauthorized access to our networks. Our firewalls are monitored constantly to prevent security breaches.


Your online account session will automatically time-out, or end, if there's no activity for 30 minutes. You'll have to log in again to access your accounts after a timeout.

Extra Security

Not only will you have to enter your username and password, but we have added another layer of enhanced security that includes a temporary access code that provides multi-factor authentication.

Third Party Links

For the convenience of its members, MECU offers links that provide access to other websites outside of Upon clicking one of those links, a pop-up window will appear notifying you that you are about to enter a third-party site that is owned and operated by a business other than MECU’s. Before clicking the “continue” button, we recommend that you first read and evaluate the privacy and security policies of that organization to fully understand what information may be collected with or without your knowledge.

MECU strives to provide links only to reputable companies that offer you helpful information. However, MECU is not responsible for and does not endorse, approve or guarantee the accuracy of information or recommendations on external websites. We strongly encourage MECU members to use considerable caution and common sense before accessing any website.

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Mobile Banking Security
Wireless Transport Layer Security (WTLS)

MECU mobile banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, MShift’s servers (our mobile banking vendor), and MECU’s web servers is encrypted using Secure Socket Layer (SSL) certificates.

Text Banking Security

MECU text banking will not include any sensitive information about your accounts (i.e. account number, PIN, email or personal address). What they do include is your balance and most recent transaction information.

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Identity Theft Assistance

We Help Victims Recover From Fraud

Identity theft is a growing national problem. At MECU, we will assist you through every step of recovery should you ever become a victim — even if it doesn’t involve your MECU accounts.

If you suspect you’re a victim of identity theft, please contact us immediately at 847.576.5199 or toll-free at 877.270.6392. We can help determine if identity theft has taken place and guide you in the resolution process through our partner, GreenPath Debt Solutions, an MECU and a nationwide, non-profit financial organization that assists consumers with credit card debt, housing debt and bankruptcy concerns. .

GreenPath's professional credit counselors are committed to helping you solve your financial problems and also achieving your financial goals. In addition to this free service, MECU will pay for 12 months of credit-report monitoring — a value of over $120. You’ll have access to your credit reports from all three credit bureaus on a monthly basis, so you can monitor new and/or unusual activity.

Having your identity stolen can be devastating. That’s why we’ve made it simple for you to start the resolution process as soon as you notice unauthorized or fraudulent activity.

Report Your MECU Card Lost Or Stolen

To report your card lost or stolen, please contact us immediately at 847.576.5199 (option 2) or toll-free at 877.270.6392 (option 2).

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Ways You Can Protect Yourself


  • Avoid using easily guessed or learned information, such as your birthday or your spouse's name, for your online password, Visa Debit Card PIN or your PIN for MECU’s automated telephone banking.
  • Never give out personal information online or over the phone unless you have initiated the contact.
  • Don't include information such as your driver's license or Social Security number on your pre-printed checks.

Safeguard Your Accounts

  • Store new and cancelled checks in a secure place and shred unnecessary financial documents.
  • Consider signing up for a check safekeeping service.
  • Avoid writing your account number on envelopes or other items that may be thrown away later.

Protect Your Cards

  • PIN selection — Ensure the Personal Identification Number (PIN) you select is unique and not easily identifiable (e.g., birth date, phone number). If you own multiple cards, differentiate your PINs across cards.
  • Protect your PIN — Memorize all PINs, such as your ATM or debit card PIN and online passwords. Do not keep such numbers in your wallet or purse.
  • Keep a record of card information — Keep a secure list of your card account and customer services numbers in case your cards are lost or stolen.
  • Use secure sites when shopping online — If you are shopping online, don't provide your personal or financial information through a company's Web site until you have checked for indicators that the site is secure. Example: a lock icon on the browser's status bar or a website URL that begins "https:" (the "s" stands for "secure"). Unfortunately, no indicator is foolproof; some scammers have forged security icons.
  • Check statements regularly — Monitor your card transaction activity on your bank statements. For added protection, monitor frequently online.
  • Sign cards immediately — Upon receipt of your card, ensure that you sign the back signature panel.
  • Report suspicious behavior quickly — To report suspicious card activity, or lost/stolen cards, contact us at 847.576.5199 or toll-free at 877.270.6392.

Check Your Mail

  • If you stop receiving bills, statements or other monthly mailings, or if a bill is not received when expected, contact the issuing company immediately. This may be an indication that your mail is being intercepted.
  • Promptly collect incoming mail, and use a locking mailbox if possible.
  • Send outgoing mail from a secured mailbox or a post office; avoid leaving outgoing mail in your home mailbox.
  • Shred all unwanted preapproved offers for credit cards, convenience checks or loans.
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Report Fraud
What To Do If Fraud Is Committed On Your Account

Please contact MECU immediately by calling 847.576.5199 or toll-free at 877.270.6392 if you suspect fraud has been committed on your account. Because of MECU's Total Protection Guarantee, if any unauthorized transactions occur on your MECU accounts due to usage of our online or automated phone services, or fraudulent ATM, Visa debit card, or Visa credit card signature transactions, MECU guarantees that your liability will be zero dollars ($0.00).

Click here to learn more about MECU's Total Protection Guarantee.

Report Suspicious Emails

If you believe you have received a suspicious or fraudulent email claiming to be from MECU, please forward these emails to

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Learn About Phishing And Online Scams
Avoid Phishing Scams

Phishing is a growing scam under which criminals lure in victims through spam emails, text messages or pop-up messages requesting personal and/or financial information. Learn about how you can protect yourself by visiting OnGuard Online.

10 Things To Do To Protect Sensitive Data On Your Computer

Your computer probably contains a significant amount of sensitive information about you that if used by the wrong person could cost you big. Follow the 10 steps below to protect yourself!

  1. Update your system's operating system (Windows 2000, Windows NT, Linux, Unix, etc.) and Web Browser (IE, Netscape, Mozilla, etc.) frequently. Keeping this system software updated with all the latest patches will dramatically reduce the potential that your computer can be accessed by an unauthorized user, also called hackers. If your version of the system software does not automatically check for and download software updates, be sure and do this manually! Like your system software, keep your office software products -- such as your word processing and spreadsheet software -- updated with the latest patches for the version of the software you are running. Hackers usually take advantage of known software weaknesses, so if you keep up-to-date with your patches, you'll be a much tougher target.

  2. Use and update your anti-virus software regularly. Computer viruses can have damaging effects, including deleting files or causing your computer to send out files to unauthorized users. Your anti-virus software should always be active when your computer is turned on, automatically screening new files, and you should scan all your drives (usually you just have one, your C: drive) once ever week.

  3. Back up your data regularly. Copy your personal data to some external medium: CD, Zip Disk, Floppy Disk. Do it at least weekly. Don't worry about programs or the operating system. Just your data. About once a month store a backup copy at a location away from your home, such as a safe deposit box.

  4. Don't download files from strangers or click on hyperlinks from people you don't know. Even if you know the person sending you an email, never open an attached file until you have scanned it first using your anti-virus software. Opening a file exposes your system to bad things so be diligent here!

  5. Use a firewall, especially if you have an "always on" -- such as DSL or Cable -- connection to the Internet. The firewall allows you to limit uninvited access to your computer. Without a firewall, hackers can take over your computer and access sensitive information.

  6. Use a secure browser - software that encrypts or scrambles information you send over the Internet - to guard the safety of your online transactions. When you're submitting any sensitive information, look for the "lock" icon on the status bar. It's a symbol that your information is secure during transmission.

  7. Password protect all sensitive information on your computer using a "strong" password comprised of a combination of letters (upper and lower case) and numbers. This will cause this data to be encrypted so that it will be difficult to make sense of by unauthorized individuals even if they have gained access to your data. Do not write any password in a location that can be found and associated with your computer. Can you believe that some users actually save passwords on their computers?

  8. Avoid using an automatic log-in feature that saves your user name and password; and always log off when you're finished. You certainly do not want a burglar to make off with a computer with full access to your online banking or brokerage accounts!

  9. Delete any personal information stored on your computer before you dispose of it using a utility program that overwrites the entire hard drive and makes the files unrecoverable. Files that are just deleted can easily be recovered using special utilities.

  10. Read Web site privacy policies to understand what they do with any information they capture about you . They should answer questions about the access to and accuracy, security and control of personal information the site collects, as well as how sensitive information will be used, and whether it will be provided to third parties.

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Frequently Asked Questions
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Be advised

MECU and its affiliates are not responsible for the content, security and privacy policies that you may experience once you leave