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Courtesy Pay

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.

Same Day ACH: Moving Payments Faster

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.

Bill Pay Upgrade.

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.

SecurLOCK Fraud Protection

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.

Bill Pay System Upgrade

We have recently upgraded our online bill pay with new features and options that make paying your bills online even easier to do. If you have any questions about the new features, feel free to call our bill pay specialists toll free at 1-877-261-5793.

Mobile Banking and Mobile Deposit

Be sure to take advantage of the convenience of mobile banking and mobile deposit.

You must be signed up for home banking before you can activate mobile banking from your smartphone. To start the process, log on to home banking through your home computer. Go to MANAGE ACCOUNTS and click on ACTIVATE MOBILE DEVICE. Scroll down to CREATE NEW ACTIVATION CODE.

You must then search the App Store or Google Play on your smartphone to download the mobile banking app for Mercer County Community FCU. Once you’ve downloaded the app, you can log in to home banking using your mobile phone with your account number, password and activation code. From here follow the step by step instructions to start using the app.

With our mobile banking app you can access your account from your smartphone – 24 hours a day, 7 days a week!

Check out AutoSMART – Tools for Online Car Buying. It’s as easy as 1, 2, 3!

Looking for a new car? We want to help our members save time and money when searching for their next vehicle. To get started, simply click on the link below to start shopping for your next car and get pre-approved for your loan.

Mercer County Community Federal Credit Union will be working with the following local auto dealers:

  • Apostolakis Honda
  • Bill McCandless Ford
  • Diehl Automotive Group
  • Gordons Auto Sales, Inc.
  • Greenwood Hubbard Chevrolet
  • Lakeland Chrysler Dodge
  • Montrose Buick GMC Cadillac
  • Shenango Honda
  • Taylor Chevrolet Toyota of Hermitage
  • Team Lake Auto Sales – Conneaut Lake



Virus Alert

Information-Stealing Virus.

The Credit Union is aware of a possible software virus that could affect the computers of members using home banking. Mercer County Community FCU servers are not the source of this virus.

The virus can be difficult to track and detect. It targets financial institutions in order to try and steal their customers’ information. It mimics secure sites and directs home banking users to enter their personal information.

Your computer may be affected if you see a screen like the one below. At the top of the window is a paragraph that typically reads “We do not recognize the computer you are using. To continue with Online Banking, please provide the information requested below.” Here is what this virus may look like on your screen:

Remember, the Credit Union will never ask for account information to verify your identity, such as:

•Credit Card Number
•Debit Card Number or security code
•Expiration Dates
•Card PIN
•Social Security Number
•Date of Birth

What you should do if you see this (or similar) page:

If you see a page requesting such information, do not proceed, do not enter information, do not click any links or buttons. If you see such a page then you potentially have a virus on your computer and it is recommended that you consult a computer specialist and/or use anti-virus software to remove the virus before attempting to access home banking.

If you have encountered this or any fraudulent page described above, please notify us by contacting us at 724-342-2246 or 724-981-9410.

MCCFCU Home Banking and Bill Pay saves you time.

Access your Credit Union account  from the convenience of your home and personal computer. You may access your account using our Internet Home Banking Service at any time, 7 days a week, and 24 hours a day using standard PC internet access.

Once you complete the application for enrollment at one of our convenient offices, just use the link from our web  page to get to the login page. You login with your personal identification number (PIN) which ensures that your transactions are safe and secure.


  • Transfer within your account.
  • Transfer to or from a linked account.
  • Request a withdrawal.
  • View your share and loan account balances.
  • Access the transaction history on your account.
  • Pay your bills.


Sign up for eStatements for your Credit Union accounts!

In today’s busy world, somtimes you don’t have time to wait for the mail to receive your Credit Union  account statement. Now,  you can have your statement electronically sent to you.

It’s fast and easy….they  are available 24 hours a day, 7 days  a week, anytime!  You will receive an email telling you that your statement is ready to be picked up. SIGN UP TODAY!

It’s safe and secure when you use your PIN (personal identification number) to access your statement. If you elect to receive an eStatement, you will no longer receive  your statement in the mail.

Applications for eStatements are available at both Credit Union offices.

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