Additional Services

At MFCU we are proud to offer our members innovative accounts and products, as well as community-based loans and investments. But we also provide a number of extra services for your convenience. We want to be your one-stop place for all your financial needs!

Telephone Banking

Our iTalk telephone banking line is available 24 hours a day to provide basic account information such as account balances, cleared items, and deposits. Call 1-800-380-MFCU, 1-800-411-4772, or(406) 761-7794. You can also call us toll-free at 1-800-721-2242.

Routing Number

Montana Federal Credit Union's routing number is 292977336.

Address or Account Changes

Please note we cannot accept an address change via the phone, as your signature is required to make such a change. Online banking users may change their physical home address in cu@home online banking. Simply log in and navigate to Settings, where you'll find you can easily update your address. If you'd prefer not to update your address through cu@home, you may fill out an address change form here and either email it to us at; mail it to us at PO Box 5027, Great Falls, MT 59403; or fax it to us at (406) 454-5638. Or, stop by our nearest location to make changes on your account. Remember to include your signature on any documentation sent to us so that we may verify its authenticity.

24-Hour Depository

Drop off your deposit anytime of day or night at our safe night drop locations. The money will be credited to your account the following business day.*

Direct Deposit

Enjoy the convenience of having your paychecks electronically deposited to your account each payday! Direct deposit is secure and fast, so you get your money without having to wait for paper checks to clear*. Ask our friendly Member Services representatives to set this up for you!

Payroll Deduction

Set up automatic deductions from your payroll to be distributed electronically amongst your MFCU accounts. You can make loan payments or fund your Christmas Club Club account. It's a great way to save money, and you won't even notice it missing!

Wire Transfers

A fast, safe way to transfer money between accounts anywhere in the US. Ask about wire transfers at your local branch.

For a domestic wire transfer, please have the name of the account holder; the account number,  routing number  and name of their financial institution; and if the total amount of the wire transfer is more than $3,000, we will need the address of the financial institution as well. Effective December 2018, we will no longer process international wire transfers for members due to increased risk for our membership.

Additional Member Services

  • Corporate (cashier's) checks
  • Visa® gift cards
  • CU Money Visa Travel Cards
  • Notary service
  • Download a statement balance sheet to make reconciling your account easy!


Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a business day we are not open, we will consider that the deposit was made on the next business day we are open.

In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. Funds may not be available until the second business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in your Membership Booklet.

We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:

  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,000.00 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.