Online Banking FAQs


Signing up for CU@Home is easy! The first time you log in, you will use your member number as your CU@Home username or ID. If this is your first time logging in to CU@Home, you will have a temporary password, which is MFCU plus the last 4 digits of the primary account holder's social security number. Please make sure the MFCU is in all capital letters. Once you successfully log in, you will be prompted to change your CU@Home username or ID to something of your choosing. Your username or ID must be between 8-20 characters, and can be a mix of letters and numbers. You will then be asked to change your password to something of your choosing which, again, must be between 8-20 characters, and can contain letters, numbers, and symbols.

If you still experience difficulty logging in, please give us a call at (406) 727-2210 or stop by one of our branches, and we would be happy to help you enroll.

Please note, if you are accessing CU@Home on a tablet, you will need to have cookies enabled in your browser. You can check this in your tablet's internet settings!


Montana Federal Credit Union is concerned about your online security. As a result, we are implementing an added security feature to our online banking. When signing in to home banking, you will be asked to select a security image and to select and answer a series of security questions. These changes are designed to help give you peace of mind - knowing that additional security is in place to protect your information.

These new security measures will become mandatory in order to access your account online after February 1st. Please see member services with any questions. And remember, you will only be asked to supply this confidential information upon logging into your account via online banking. Only provide this information when you are initiating a transaction. There are already a number of scam artists working to try to gain access to your accounts.

Montana FCU will NEVER ask for personal banking information via an email.

Please ignore any such requests and notify us immediately if you are targeted. And remember - Never log in to PC Banking via a link through an email. Only do so by typing in the web address and logging in via our website.


Montana Federal Credit Union would like to stress the importance of using strong PINs/passwords. We require using PINs/passwords which are at least eight characters in length, alphanumeric, case sensitive, and require the use of at least one special character (such as ! # $ % &, etc.).


Montana Federal Credit Union recommends that all members install antivirus, anti-spyware, and anti-malware programs on their home computers. It is also important to keep signature files updated by downloading and installing updates on a daily basis.


Be aware of the risks associated with using a publicly accessible computer to access your Credit Union accounts. Computers accessible to the public may be infected with viruses and/or malicious software, such as Trojans and keyloggers.


Login to Online Banking.



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We have a 24/7 help desk available for assistance at 1-888-276-8127.

We apologize for any inconvenience you may experience with the website. Please feel free to contact us with your concerns.