MPO Online FAQ

MPO Federal Credit Union takes fraud and fraud related activities very seriously.

In an effort to keep ahead of fraudsters and scam artists, MPO Federal Credit Union is pleased to announce that we are taking our online banking product to the next security level. This will be accomplished via implementation of a technology often referred to as Enhanced Authentication.

Click on the below link to find out how MPO is proactively addressing your online security needs.

                            YES - PLEASE TELL ME MORE ABOUT ENHANCED AUTHENTICATION!!

As usual, if you should have ANY questions or concerns, you may address them with credit union staff in the branch, via telephone, by email to admin@mpofederal.org (do not send account information via email) or via Online Banking Bank Mail (secured messaging system housed by MPO Online Services).

What is MPO Online?

MPO Online is a financial service that lets you manage your finances right online. It provides you access to your account, 24 hours a day from anywhere in the US, via the internet. Through MPO Online you can access your accounts online to check balances, review transactions, transfer funds, obtain loan balances, and with our MPO Online/Bill Payment Service, you can pay bills - now or schedule them for the future.

*Loan advances must be requested by contacting the credit union directly.

Is there a fee associated with MPO Online?

MPO Online is FREE to all members.

MPO Online Bill Payment Service is a free service provided to all MPO share draft account holders*.

What are the eligibility requirements to use MPO Online and MPO Online/Bill Payment Service?

Anyone who currently has an account with MPO Federal Credit Union can view their account information through MPO Online via the internet.

MPO Online/Bill Payment Service is available to those members that have a MPO Federal Credit Union Share Draft account.

How do I enroll in MPO Online?

Simply contact any office of MPO Federal Credit Union to request your User ID and your Security Code. Once you have access to MPO Online, you may request authorization for MPO Online Bill Payment Service. Please allow 2 full business days for authorization of any MPO Online Bill Payment Service.

Are there any specific requirements needed in order to use MPO Online?

Virtually any MPO Federal Credit Union account balance can be viewed online. These include share (savings), share draft (checking), Christmas club, vacation club, loans, IRA's and CD's. Transfers between your share and share-draft, loan and vacation club accounts can be made online. Should you require transfers between any of your other accounts, please contact MPO Federal Credit Union directly. Loan advances must be requested by contacting the credit union directly.

Is MPO Online Safe? Are my accounts secure?

MPO Online uses a Secure Socket Layer (SSL). SSL provides authentication to ensure that you are always in communication with a MPO Online server. It also provides encryption that scrambles the data transmissions to prevent them from being read by others. Additionally, SSL is used to ensure data integrity, confirming that any data transmitted to you by MPO Online has reached you without being altered or tampered with. If SSL Detects any alterations or tampering to data, the connection is broken.

When you are in an encrypted portion of MPO Online, and using Netscape, an image of a key appears solid with a blue background in the lower right hand corner of the browser window. This means that the browser is secure.

With Microsoft Explorer, you will see a padlock in the lower right corner of the browser window. When you are on an encrypted portion of MPO Online, the padlock appears in yellow.

How current is the information I obtain from MPO Online?

The account balances and information that you see online are the same balances and information that we see here at the credit union. When viewing your accounts, in particular those members who are viewing their share/draft balances, keep in mind any outstanding checks or check card transactions that may not have cleared your account. Any purchases that have been paid for with your check card are deducted from your account balance immediately but may not be posted to your account for several days. While MPO Online is a useful tool, keeping a check register, logging your ATM or check card purchases, and balancing your account regularly is the only sure way to keep an accurate account balance.

If you are using MPO Online Bill Payment Service please note that payment transactions entered after 2:00 pm EST will not be processed until the following business day. Funds must be available in your share draft account. OVERDRAFT LINES OF CREDIT AND SHARE PROTECTION ACCOUNTS ARE NOT ACCESSIBLE THROUGH BILL PAY. If you require an advance on your LOC, please contact your branch for assistance. Please note - Merchants periodically change their payment addresses. Before making payment, please verify that the address printed on your bill matches the merchant address listed on MPO Federal Credit Union Online. PAYMENTS MAILED TO INCORRECT ADDRESSES MAY RESULT IN DELAYED PAYMENTS AND ADDITIONAL FEES CHARGED TO YOUR ACCOUNT.

Can I import the information from MPO Online into Microsoft Money or Quicken programs?

Yes, you can download your Account History into Microsoft Money or Quicken programs. The downloaded file can be initiated from the Account Summary/Account History screen.

• Note: Microsoft Money and Quicken programs are NOT a supported product of MPO Online. Any questions or problems pertaining to these specific applications should be directed to the manufacturers of these products.

Does MPO Online allow me to transfer funds between accounts?

Transfers can be made to and from share, share-draft and vacation club accounts. Payments/transfers may also be made to your loan accounts.

For Christmas club, CD's, IRA's and loan advances, please contact MPO Federal Credit Union directly.

If I subscribe to MPO Online/Bill Payment Service, how much time is needed to send payments?

Initially, payments made to first time payees should be made 7 business days prior to their due date. Once the payee is established and identified as either accepting electronic payments or non-electronic payments, subsequent payments can follow the standard MPO Online schedule.

Once payees have been set up to receive payments through MPO Online Bill Payment Service, you should allow ample time for the payee to receive payment prior to due date.

• Electronic Payments
  Payees who accept payments electronically should be scheduled for payment at least four business days prior to the due date.
• Non - Electronic Payments
  Payees who receive check payments should be scheduled for payment at least seven business days prior to due date.

What is the MPO Online Message Service?

The MPO Online Message Service allows you to send and receive messages to/from MPO Federal Credit Union. All messages are secure using 128-bit encryption. MPO Online Message Service is available 24 hours a day/7days a week. Should you have a question or need to send information concerning your account, you should always try to use the Message Service. That way - your information remains secure. Standard e-mail is NOT secure and you should never send account information via e-mail.

How do I know when I have a message?

Once you have logged onto MPO Online, a message link will appear notifying you of any new messages. When you click on the message link, you will see a list of messages with status marks of either New (unread messages) or Old (previously viewed messages).

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the US Government
NCUA National Credit Union Administration, a US Government Agency

Send mail to admin@mpofederal.org with questions or comments about this web site.
**MPO Federal Credit Union is strongly committed to protecting the security and confidentiality of our member account information. The addresses provided above are meant for general information sharing. NEVER indicate any account information (member number, social security, debit or credit card numbers and the like) when contacting the credit union via email. This is NOT a secure environment for that type of information. We strongly encourage you to call into the credit union if you have a specific account problem that needs to be addressed. If you utilize MPO Online, you can send a secure message thru that system to the credit union.**
Copyright © 2008 MPO Federal Credit Union
Last modified: 01/05/09