You have questions…we have answers.  We have noted the most common member questions we receive.

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What is the difference between a bank and a credit union?
A bank is owned by shareholders and is tasked with maximizing the shareholders’ investments. A credit union is a not-for-profit organization owned by its members. It exists to offer excellent service and affordable financial products to its membership.

How do credit unions operate?
Policies and procedures are set and monitored by a volunteer Board of Directors. Each credit union member has one vote and an equal voice in the management and direction of the credit union. The Board of Directors, elected for three-year staggered terms, sets policies under which the credit union management carries out its duties.

What are the benefits of MidUSA Credit Union membership?
As a MidUSA member, you have access to the full array of financial products and services that MidUSA CU offers as well as the MidUSA Credit Union Best Value Guarantee . This guarantee means that our members always receive the best local value on MidUSA products and services, including the best local loan rates, the best checking account value and some of the best everyday savings and certificate rates in town – we guarantee it! Additionally, as partial owners of the Credit Union, members have the opportunity to vote for the MidUSA CU Board of Directors. MidUSA CU members receive the best in service and better rates on loans and deposits than traditional banks. Lastly, you are eligible to enjoy special Member Rewards, too!

How do I know if I’m eligible for MidUSA Credit Union membership?
MidUSA Credit Union membership is open to all persons and their immediate family members who meet one or both of the following criteria:

  • Live, work, worship, or attend school in Butler, Warren, Montgomery or Miami Counties in Ohio
  • Are employed with a MidUSA Select Employer Group (SEG).

Please help us deliver the news to your friends and family. They can stop by any MidUSA Credit Union branch to join and receive the same great service and benefits you receive!

How do I become a member?
Stop by any credit union branch or join online to open a Share (Savings) Account. The $5 minimum balance in your savings account establishes your membership and gives you access to all MidUSA CU membership benefits. It also enables you to vote for our Board of Directors. Please bring a photo ID with you when you open your account. Learn more about becoming a member.



How are my deposits insured?
Funds on deposit at MidUSA Credit Union are privately insured by American Share Insurance (ASI) up to $250,000 per account. You can have as many accounts as you would like to own. Most banks are insured up to only $100,000 per depositor. ASI insures accounts, not individuals, which allows for an unparalleled level of protection for MidUSA CU members’ deposits.

Can I access my accounts without going to a branch office?
You bet!

  • Our automated phone service, CU*Talk, is available 24 hours a day, seven days a week, allowing you to transfer funds between accounts, make payments to your MidUSA Credit Union loan, check your account balances, review account history, and more!
  • You may also sign up for It’s Me 247 Online Banking and Mobile Banking to access your accounts free of charge.
  • Lastly, we also offer Mobile Check Deposit to enable you to deposit a check from anywhere you have internet access and your smart phone.  Learn more

How do I notify MidUSA Credit Union of a change of address?
There are several ways you can notify MidUSA of an address change:

  • Update contact information through It’s Me 247 Online Banking.
  • Print Change of Address form and mail.
  • Call Member Support at 513-420-8640. or 800-633-8905 and request a Change of Address form.
  • Visit any MidUSA branch.

What is MidUSA Credit Union’s routing number?
If you have a checking account at MidUSA Credit Union, this number is located on the bottom of your check. MidUSA CU’s routing number is 242278742. The routing number is also referred to as a routing and transit number.

How do I establish Direct Deposit?
To establish Direct Deposit, you must contact your employer for the appropriate forms. MidUSA Credit Union’s routing number is 242278742. For more information, call MidUSA at 513-420-8640 or 800-633-8905.


Online, Mobile, and Telephone Banking

How do I sign up for It’s Me 247 Online Banking?
To connect to It’s Me 247:

  • Click here and select first time user
  • You will be prompted to create a username, password and 3 security questions.
  • The page you go to tells you to put your account number in and use the last 4 of your social as your password for first time users.

Need more help? Check out these It’s Me 247 how-to videos.

How do I access It’s Me 247 Mobile Web Banking?
To log in to It’s Me 247 Mobile Web Banking, type www.midusacu.org into your mobile phone browser and click on the It’s Me 247 icon. Your phone will automatically switch to the mobile version after a few seconds.

You can also download the MidUSA mobile app for an easy way to do mobile banking.

How do I sign up for Text Banking?
You can enroll in Text Banking by clicking on Go Mobile on the It’s Me 247 toolbar. Then select Text Banking Home to access the enrollment screens. After enrollment, text commands to IM247 (46247).

What are the Text Banking commands?
The following are Text Banking commands and their responses. Commands can be sent to IM247 (46247).

BALBalance for all eligible accounts
BAL {nick}Balance for up to three savings or checking accounts ({nick} is a custom 1-6 character nickname assigned within online banking to identify a specific membership)
BAL 000Balance for a specific account (000 represents the 3-digit account suffix specific to your account)
BAL {nick} 000Balance for a specific membership and account combination
TRANS MYCODE 100.00Executes the configured transfer with the specified amount (MYCODE is a 1-8 character code you make in online banking to identify specific preset transactions)
TRANS {nick} MYCODE 100.00Executes the configured transfer with the specified amount for the specific membership and account combination
STOPTurns off all text banking
STOP {nick}Turns off all text banking for a specific account
HELPProvides you with help for unenrollment

How do I access CU*Talk?
Step-by-step instructions make it easy to use CU*Talk:

  • Using your touch-tone phone, call: 800-238-1969 or 513-420-5855
  • You will be asked to enter your member number. Then press the # key. Next, you will be prompted to punch in your PIN. Enter your PIN and press the # key. Be careful – if you enter your PIN incorrectly three times, your PIN will be disabled. You must contact the credit union for reactivation.
  • First-time users: Your PIN will be the last four digits of your Social Security number. For security purposes, you will be prompted to change your PIN after logging in.
  • From this point on, the CU*Talk procedure will vary depending on the transactions you wish to complete. CU*Talk will guide you through each step.
  • Hint: This first set of options includes a brief tutorial (press “0”) with tips and hints for using the system. From within this menu, if you have questions or need to speak with a MidUSA representative press 1 when prompted. You can press * to return to the main menu at any time.
  • When you have finished your last transactions, simply hang up the phone.


Identity Theft

What should I do if I think I may be a victim of identity theft?
If you are a member of MidUSA Credit Union, you should contact us, and we will close affected accounts or place a notification on accounts that have not been directly affected. It is important that you notify all of your credit card issuers and other creditors. File a police report and keep copies of the report to prove that unauthorized charges do not belong to you.

The Federal Trade Commission has an ID theft affidavit, a form for victims to provide to creditors and credit-reporting agencies. It can be downloaded at http://www.ftc.gov/bcp/edu/microsites/idtheft/ or you can receive the form by mail after calling 1.877.IDTHEFT. Trained counselors are available to speak with you and assess your situation.

To further protect yourself, you should contact one of the three major credit-reporting agencies to place a message on your credit bureau report at no charge to you. Each fraud unit will share this information with the other two agencies. Here is the contact information for the three credit-reporting agencies:

P.O. Box 740241
Atlanta, GA 30374

P.O. Box 9530
Allen, TX 75013

Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92634



Does MidUSA Credit Union have a Privacy Policy?
Yes, we have a member Privacy Policy that regulates and protects all member data.

Privacy Policy Page

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