Whatever your financial needs may be, Miami Firefighters FCU is ready to assist wherever you may be you with a variety of convenient electronic delivery options to choose from.
Online Banking
Online Banking
Access your accounts and (authorized) cross accounts using our FREE Online Banking service from any computer with an Internet connection or from your mobile phone*.
With Online Banking you can:
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- Check account balances
- Apply for a loan
- View loan information
- View/print cleared check images
- Obtain account history
- See your statements
- Transfer funds to your other MFFCU accounts
- Transfer Funds to and From other financial institution accounts
- Make loan payments
- Send secured e-mails to MFFCU staff
- Easily download your transactions to Quicken
- Setup account alerts
- And much more!
Online Banking Security
Your credit union takes online banking security seriously. That’s why we implemented a security feature called Enhanced Authentication. It adds an extra layer of protection to your online banking experience that:
- Defends against identity theft and fraud.
- Offers you security from any computer, wherever you are.
- Makes it easy for you with onetime sign-up.
When you log onto online banking, in addition to your Logon ID and Security Code, you will be asked to choose an image and secret phrase combination that is known only to you (do not use your Security Code as your secret phrase).
You will then have to answer three Challenge Questions which are now used to verify your identity when the system detects a questionable logon attempt. Once you have selected an image, secret phrase and answered the challenge questions, you and your computer will be enrolled in Enhanced Authentication.
If you want to access your accounts from another computer, you will have to answer one of your challenge questions. If a questionable logon attempt is detected, the system will require additional identity verification before allowing access. Whether you’re at home or on the go, with Enhanced Authentication your identity is protected.
*Message and data rates may apply from your wireless carrier.
Mobile Banking
Mobile Money
Everything you love is on your mobile devices, and so is your Miami Firefighters FCU Mobile Banking! When was the last time you needed to check your balance, make a quick transfer or pay a bill while you were out and about? Now all you need is a web or text-enabled mobile device and you can do all that and more and best of all it is FREE!*
Make Deposits with Your Smartphone!
Depositing checks is as simple as taking a snapshot. Use your iPhone or Android phone to take a picture of the front and back of the check – we’ll deposit the check amount directly into your account. With mobile check deposits, you can take us with you wherever you go – on the job, at home, or on vacation.
Enjoy the benefits of mobile deposits:
- Save time and gas – no visits to our office or ATM to make a deposit
- Deposits can be made 24 hours a day, 7 days a week
- It’s easy to use and secure
Now you can make your check deposits anytime, anywhere with a simple snap of your camera phone.
Deposits made before 3:00pm EST will be available after 7:30pm of the same night
Deposits made after 3:00pm EST, holidays or weekends will be available the next business day after 7:30pm.
As of June 8, 2023, we have launched a new Mobile app called “MFFCU” on both the Apple Store and Google Play.
When visiting our office to make a deposit just isn’t as convenient as you’d like, visit your computer for a fast, safe way to get your money into your account.
*Message and data rates may apply from your wireless carrier.
Mobile Check Deposit
Make Deposits with Your Smartphone!
Depositing checks is as simple as taking a snapshot. Use your iPhone or Android phone to take a picture of the front and back of the check – we’ll deposit the check amount directly into your account. With mobile check deposits, you can take us with you wherever you go – on the job, at home, or on vacation.
Enjoy the benefits of mobile deposits:
- Save time and gas – no visits to our office or ATM to make a deposit
- Deposits can be made 24 hours a day, 7 days a week
- It’s easy to use and secure
Now you can make your check deposits anytime, anywhere with a simple snap of your camera phone.
Deposits made before 4:00pm EST will be available after 7:30pm of the same night
Deposits made after 4:00pm EST, holidays or weekends will be available the next business day after 7:30pm.
When visiting our office to make a deposit just isn’t as convenient as you’d like, visit your computer for a fast, safe way to get your money into your account.
Applications
Applying for your loan is easy!
There are several fast and simple ways to apply for a loan.
You must be a member or qualify for membership to apply for loans
- Best option with Enhanced Security and information automatically loaded from your Miami Firefighters FCU account
- Logon to Online Banking; click on the “Self Service” tab, then under the “Member Requests” section click on “Loan Application”
- Secured Online Application – If you are not registered for online banking, apply online for a loan
- Phone – You may also call us at your convenience at 305.324.4004
- In Person – Stop by our office and visit our loan department
Membership Application
Employment Application
Trouble loading the application? If you are unable to use the links on this page successfully, it may be because you are using a pop-up blocker that is blocking the application. You can correct this by allowing pop-ups on this page or by adding your financial institution’s web address and https://webadmin.professionalmanagedhosting.com to your pop-up blocker’s list of allowed sites. Be advised that you may have more than one pop-up blocker program enabled, particularly if you have installed additional toolbars to your browser.
Quicken/Quickbooks
Many of our members have told us they use Quicken to keep track of their personal finances or have a business where they use QuickBooks. It’s like having a personal finance management helper. You can manage your money on the go across desktop + web + mobile. It can even help you manage your investments and – in a new feature – track the value of your home.
Our members asked us to make the transaction import process easier. We heard you! We are pleased to announce that we have implemented “Direct Connect” for both Quicken and QuickBooks.
Direct connect allows you to set up your on-line banking accounts to download transactions from our on-line banking system with “one click” to Quicken or QuickBooks. This makes reconciling your checkbook a breeze! It also allows you to categorize every transaction the first time you see it and then it will remember the correct budget category when the transaction re-occurs. This makes your tax preparation quick and easy at the end of the year.
If you have more than one MFFCU account you want to track, one click downloads will automatically take place for each account you have set up. To set up the account in Quicken highlight the account and right click. Choose Edit/Delete Account, select the online services tab. Click on the activate account and follow the instructions. In QuickBooks follow the instructions to add a bank feed.
Bill Payment
Save Time and Money with Bill Pay!
Online bill payment is convenient, secure and easier than writing and mailing paper checks. It will simplify your life because it works on your schedule 24/7!
Bill Pay Benefits
Our FREE online bill payment allows you to:
- Pay all your bills in one place
- Save money on stamps, envelopes, and paper.
- Schedule, change or cancel payments whenever you want
- Setup automatic recurring payments
- Review status and history of payments
Make paying your bills one less thing you worry about each month! Start using Bill Pay now through Miami Firefighters FCU Online Banking.
You must have an Online Banking account to have access to bill payment.
e-Statements
GO GREEN!
Go Paperless with Miami Firefighters FCU e-Statements. It’s quick, easy, secure and best of all it’s FREE!
e-Statements provide cost and resource savings to the credit union that are passed on to our members in the form of better rates, lower fees and improved services. Plus, when you sign up to receive your account statements online you save time, paper, trees and the environment.
- Benefits of receiving e-Statements include:
- Get your statement at the beginning of each month – much sooner than waiting for it to arrive by mail. (You’ll be notified via email when your statement is ready to view.)
- Protect yourself from identity theft by eliminating statements from your mailbox.
- View last 12 months of statements on-line
- Get rid of the paper clutter – save your statements right on your computer for quick access whenever you need them.
Enroll today, it’s easy and remember it’s FREE. Just visit us online, sign in to Online Banking; select Self Service; then select e-Statements.
Account to Account
Account to Account (A2A) with another financial institution
A2A allows members to transfer funds to or from their Miami Firefighters FCU savings or checking account* to or from their accounts at different financial institutions.
- It is free.
- Avoid having to make a trip to a branch.
- The total time frame for each transfer is approximately 4-6 days.
- Members can perform 1 time or reoccurring transfers.
- Up to 18 months of A2A transfer history is retained on-line.
- View status of pending, in process and completed transfers.
Transferring funds is easy, simply:
- Add the accounts you want to transfer funds to/from by selecting “Bill Pay” and clicking on “Account to Account.” Go to “Add New Account.”
- Enter information about the account including the account number, type and the name on the account.
- To confirm ownership of the account, we will send three trial transactions via ACH. You will see two small deposits and one small withdrawal approximately 2 business days after you add the account.
- To finalize account confirmation, return to “A2A Accounts” and select the Confirm link to the right of the account. Enter the amount of the transactions and the account will be confirmed.
When you are ready to schedule a transfer, simply go to A2A transfers, choose the accounts, date and amount you wish to transfer and you’re done! The transfer will be done in two steps – first the money will be withdrawn from the funding account and then the money will be deposited in the receiving account. Transfers will be complete 4 – 6 business days after the scheduled date. You will receive notification when an external account is added and when a transfer fails.
*Members can only deposit/withdrawal from their lowest savings or checking account suffixes. Example: if you have a Regular Savings Account – Suffix 01 and a Money Market Savings – Suffix 05 you will only be able to transfers funds to/from Savings Account – Suffix 01 even if Money Market Savings – Suffix 05 shows up in the account drop down. The same applies if you have a Regular Checking Account – Suffix 75 and a Interest Checking – Suffix 70.
Shred-Branching
Shared Branching
As part of the National Shared Branch Network, you can perform your MFFCU banking transactions at any participating Credit Union nationwide. Just click on this like and add you location to find a Shared Branch near you! SHARED BRANCH
Member Rewards
Build your relationship with Miami Firefighters FCU. With our Member Rewards program the more you use your credit union for loans, checking and savings accounts, the more your credit union prospers and grows and this means more and better services and pricing for you.
