We are excited to celebrate our newly renovated credit union branch on Sharpsville Avenue in Sharon!
Stop in and check out the larger open concept lobby and expanded drive-thru lanes with state-of-the-art video monitors. All of the new updates will allow us to continue to provide the highest quality, most efficient member service made possible through new banking technology. We hope that you enjoy the updates and that they improve your visit with us.
We are celebrating the Grand Opening the whole month of April so be sure to enter our giveaway for $1,000* towards a room renovation. Visit the credit union for entry forms, official rules and all the giveaway details.
*$1,000 to be given away as Home Depot Gift Card. **MCCFCU is not affiliated with Home Depot and they are not a sponsor of this promotion. The Home Depot is a registered trademark of Home Depot Product Authority, LLC.
Mercer County Community Federal Credit Union will present their 19th Annual Continuing Education Awards at the Annual Dinner Meeting on April 13, 2019. There are five $1,000 awards for the 2019-2020 academic year. Awards are open to any 2019 high school senior or any student between the ages of 17 and 25 who are in pursuit of an academic, professional, or vocational post-high school education at a college, university, or accredited trade school. Applicants must be a member of MCCFCU prior to submitting their application.
Click on https://www.mercomfcu.org/scholarshipmcc.pdf to obtain your application to complete. Please return the application and essay by mail or in person to either office by Monday, April 1, 2019.
The Shenango Valley Chapter of the Pennsylvania Credit Union Association will award scholarships to qualifying students, between the ages of 17-24, who are pursuing post-high school studies at a college, university, or vocational trade school. Applicants must be a credit union member or become a member prior to submitting an application.
Click on https://www.mercomfcu.org/scholarshipchp.pdf to obtain the application. Please return the application by mail to First Choice Federal Credit Union, Re: SVC Scholarship, 2209 W. State St., New Castle, PA l6l01.
Please read this message from our website administrators, MY CU Services, concerning Home Banking:
Members have been reporting an insecure website message when accessing home banking using Google Chrome on Windows 10.
Here is an article that explains what is going on.
Since this is Google initiative to dictate how the internet is governed, MY CU Services will have no choice but to make changes on our side to resolve the issue going forward. Project completion date should be close to year end.
In the mean time please advise the members who are using Chrome on Windows 10 to use Internet Explorer, Edge, Safari, or Firefox until we have an update for Google Chrome. They will not get this message on any other browser.
Sorry for the inconvenience,
The Staff at My CU Services
Major improvements are under way at our Sharon Office, located at 428 Sharpsville Avenue. Click here to see the transformation.
Please note that starting on July 1, 2018, a new Federal Regulation requires all checks using Mobile Banking and the remote deposit capture feature, to use a restrictive endorsement. All members currently using Mobile Banking have been sent a letter explaining the new endorsement.
Here is the updated endorsement language in the Mobile Banking Agreement:
ENDORSEMENT/STORAGE: You agree to properly endorse the check on the back as it appears on the “payable to” line and include an endorsement similar to: “for mobile deposit only at MCCFCU“ or “for mobile deposit only at Mercer County Community FCU” or “mobile deposit only MCCFCU”. Duplicate presentment of checks and images at the Credit Union or another depository institution is considered fraud.
For a check payable to you AND any joint owner, both must endorse. If a check is payable to you OR joint owner, either can endorse it. You agree to securely store each original check that you deposit using these services for a period of at least sixty (60) days. After sixty (60) days and not later than ninety (90) days after you transmit the original check, you may safely destroy the original check. You agree to never re-present a check for deposit. You understand that you are responsible and liable for any loss caused by your failure to secure the original checks.
At Mercer County Community Federal Credit Union, we strive to offer new and improved solutions to meet all our members’ financial needs, which is why we offer Courtesy Pay.
Most of us have found ourselves facing an occasional cash shortfall, be it the result of a checkbook error or an unexpected bill. If you have ever accidentally bounced a check, you already know that in addition to the embarrassment, you may also face merchant fees for the returned check along with the inconvenience of returning to the merchant to correct the error. And while a declined debit card does not create merchant fees, it can be an embarrassing experience.
Courtesy Pay is a non-contractual service, whereby we may honor your insufficient transactions up to your limit of $500.00, as long as you maintain your checking account in good standing. Courtesy Pay does not guarantee that Mercer County Community Federal Credit Union will pay your insufficient item. However, if you should have an overdraft, your account will be charged our standard Non-Sufficient Funds (NSF) fee.
With Courtesy Pay, our intention is to provide you with another resource to help manage your occasional cash shortfall. Our Courtesy Pay program will automatically be added to your account for checks, automatic bill payments and other debit transactions. If you would like overdraft coverage for your ATM withdrawals and everyday debit card purchases, simply ask us.
Mercer County Community Federal Credit Union believes Courtesy Pay is one more way we can help you meet your financial needs. If you would like to have Courtesy Pay coverage for ATM withdrawals and everyday debit card purchases or if you would not like Courtesy Pay coverage for checks, automatic bill payments and other debit card transactions, please notify us at 724-981-9410.
On September 15, 2017 the Federal Reserve began processing same-day ACH (Automated Clearing House) debits due to operating rules established by NACHA (National Automated Clearing House).
As a consumer, when you make a purchase or payment via ACH withdrawal, you are usually prepared for some lag-time between the transaction being made and the money actually leaving your account. With same day ACH debits this will not be the case any longer. For example, if you make an ACH payment in the morning, the payment could clear from your account the very same day.
Review the information below to better understand what to expect and how this may affect your account(s).
Same day processing of ACH debits: The new rule will allow faster transactions of ACH payments between consumers, businesses, government entities and financial institutions that use the ACH Network.
What will change? Currently credit transactions are posted multiple times a day, while debit transactions are only posted once a day. With the new rule, debit transactions will be posted multiple times a day.
What does this mean for you? Moving forward, transactions such as ACH payments and purchases will post multiple times throughout the business day. To avoid any overdraft fees, ensure that your account has sufficient funds to cover any same-day debits that you may have authorized to post to your account.
What are the benefits of same day ACH debits? Same day debits will make it easier for bill payment to be processed on time, as well as faster crediting when you are making a transfer between accounts at other financial institutions.
If you have any questions regarding same day ACH, please contact us at 724-981-9410.
Our electronic bill payment (EBP) partner, will be retiring the TLS 1.0 security protocol on all bill payment sites in order to implement more secure versions of TLS 1.1 and higher. This change will take effect on September 20, 2017, and is being made in an effort to provide the best security to bill payment clients.
Once the new versions of TLS are implemented, some older browsers may not be able to connect to the iPay bill payment sites. Below is a list browsers and versions that are compatible with TLS 1.1 and higher:
-Internet Explorer – version 11
-MS Edge – all versions
-Firefox – version 31 and above
-Safari – version 7 and above (for Mac) -Google Chrome – version 42 and above
If you do not have one of the browsers and/or versions listed above, we recommend upgrading your browser to a compatible version.
We’ve always monitored your account for fraud, but now we can quickly text you if we see something suspicious. If you receive a fraud alert message, simply respond whether the transaction was yours or not. And don’t worry — if you miss our text we’ll also try to call you or send you an email. Keeping you protected is important to us and we’re pleased to offer enhanced fraud services to you.