Frequently Asked Questions

Did the member deposit it with MSCU?
If so, depending on the amount, if the check is out of state, if it’s a personal check. These can all be factors of why a check was placed on a hold.

Did the member deposit it with a Shared Branch?
If so, all holds are placed on checks deposited through the Shared Branch system unless a payroll check is presented with a paystub.

Account Number
If you have online banking and are enrolled in e-statements, then you can find your account number there. Otherwise, you do have to come to a branch to verify your information and then we will be able to give the account number.

Routing Number
To get the routing number, go to ms-cu.com and scroll to the bottom of the home page. There you will find the routing number.

If there is unusual activity on your account, the best thing to do first is view all your transactions. You can do this by calling us at 219-756-4141 or viewing your online banking. You can then give us a call so we can help you figure out the best way to go from there.

Yes, the minimum deposit to open an account for a savings is $10.00. For savings and a checking, it’s $25.00.

To open a CD, you will need to speak with one of our MSR’s either in person or over the phone. It is a minimum of $1,000.00 to open a CD.

Yes, you do have to be a member to open a safe deposit box.

MSCU does not offer Zelle, but you can go through the Zelle app and hook up your MSCU debit card.

MSCU offers something like Zelle called Person 2 Person or P2P. This service you can access through your online banking.

You can transfer money to another person who is not an MSCU member by sending them a person 2 person or P2P through the MSCU online banking.

Yes, MSCU has multiple financial advisors/counselors. The best way to get in contact with them is to call 219-756-4141 and schedule an appointment.

If you are traveling outside the states, you should always let us know so we can complete a travel notice. Otherwise, your card will get locked once you attempt to use it.

If you are traveling within the states, you should always let us know so we can complete a travel notice. Otherwise, your card will get locked once you attempt to use it.

Yes, you can use Apple Pay/Samsung Pay using your card. You will initiate the activation of Apple Pay/Samsung Pay in your settings on your phone. You will then call us at 219-756-4141 and we will take care of the rest.

If your debit/credit card is stolen or lost, you can turn the card off using your online banking. You can also give us a call at 219-756-4141 to deactivate the card and go over transactions that may have occurred.

It takes about 7-10 business days to receive a new card.

You can always choose to pay a $35 fee to expedite the card. If you do this, the signer must be home at the time of the delivery.

If you forget your online banking, please give us a call at 219-756-4141 and we can reset your information.

You qualify for membership by living or working in Lake, Porter, Jasper, or Laporte County. You can also qualify by having an immediate family member who has an account with us.

To become a member, you can apply at ms-cu.com or stop into one of our branches.

To apply for a loan, you do not need to be a member. If you move forward with the loan, you will need to have an account open with MSCU.

There are quite a few benefits of being a credit union member. The credit union’s goal is to give back to its members. With that being said, the credit union usually has some of the lowest loan rates and highest CD rates.

There are other ways you may qualify for membership. If you live or work in Lake, Porter, Jasper, or Laporte County you qualify for membership. You can also qualify by having an immediate family member who has an account with us.

If you don’t qualify for membership with MSCU, there are many other credit unions that you qualify for in your area.

To open an account for a minor, you need a social security card, birth certificate, and a parent/guardian over the age of 18 to be joint on the account.

You can find all our rates at ms-cu.com.

MSCU does offer mortgages. You can call 219-756-4141 to get in contact with a loan officer.

MSCU does offer personal loans. You can call 219-756-4141 to get in contact with a loan officer.

To apply for a loan, you can call 219-756-4141 and schedule an appointment or apply online at ms-cu.com.

To find the monthly payment of your loan, you can call 219-756-4141, view your loan through the online banking, or view the loan documents you received when completing the loan.

The best way to make your monthly loan payment is to set up an ACH (automatic clearing house) which is an automatic payment. You can also set up an AFT (automatic funds transfer) which can be pulled from your savings or checking. Another option is to mail in a check or come into the branch and pay by cash or check.

Our loan officers are very busy. The best way is to schedule an appointment, occasionally they may take a walk in depending on their schedule.