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Online Banking Questions

Do I have to be an MCS Bank customer to use Online Banking?

Yes, you must have at least one MCS Bank account to use our online banking services. 

How do I sign up for Online Banking?

First-time users, click here.

The easy on-screen directions will walk you step-by-step through the sign-up process and provide you with access to your account(s) with MCS Bank, immediately after online forms are complete.

Once I finish enrolling for Online Banking, how long before I can begin using the service?

Your accounts will be activated immediately after all the sign-up steps are complete and you may begin using Online Banking. Simply enter your Access ID and password to access your accounts — if you are unable to access your account(s) online please contact us at 717-248-3000 or 844-245-9495 during normal business hours for assistance.

What are the system and browser requirements to access Online Banking? 

There are just a few requirements. You need Internet access by PC, Mac, Smartphone or other means. To use Online Banking features, your Web browser needs to be Microsoft® Internet Explorer® 6.0 (or greater) or Mozilla® Firefox 2.0 (or greater). The bank uses 128-bit encryption to help ensure your security, so your Web browser needs to support that encryption as well. The versions we specify above already support the appropriate level of encryption.

What type of transactions can I complete using Online Banking?

Just about every basic banking transaction short of making a physical deposit or cash withdrawal can be done online. For example, you can review and print transaction statements or monthly account statements, pay your bills and transfer funds between accounts. You can also select, sort and export transactions to personal financial management applications such as Microsoft® Money and Quicken®.

If you have MCS BANK CDs and/or loans, you can even check your statements, balances and make loan payments via Online Banking (although you cannot transfer funds directly to CD accounts).

Can I download transactions to my software such as Microsoft Money™ or Microsoft Excel™?

It's easy to download transactions using the Export Feature in your Online Banking Account. Enter the account you wish to Export transactions from, use the transactions button to download up to 2 months of past transaction history. If you require more than 2 months of transaction history, please use the All Transactions button. This will allow you to pull up to 16 months of transaction history. You will be prompted to select the format you wish to use.

  • .CSV - Comma Separated - Microsoft Excel
  • .OFX - Microsoft Money

What is the charge for using Online Banking?

Online Banking is a free service provided to MCS Bank customers. Online Bill Pay service is also free including Popmoney to personal checking account holders, however it is not available to business accounts at this time.

Where can I get help with understanding and using Online Banking?

We have a very handy Online Help section, available by clicking "Help" on the main menu bar inside online banking at any time. But if you'd like to speak to a real person, contact MCS BANK by phone or e-mail at your convenience.

How do I enlarge the size of the text as it appears on my screen?

You may change the size of the text by selecting View in the main header bar, then Text Size and selecting the size you prefer. Note: Changing the viewing screen size of your monitor will also enlarge the text appearance.

For a new account, what do I enter in the Access ID and Password box (on the login screen)?

When you set up online access, you will set up an Access ID and password for your account login. 

Your ID must be at least six characters, and your password must have eight to twelve alphanumeric characters — at least one letter and at least one number. Both ID and password are case sensitive, which means that upper- and lower-case characters should be typed exactly as they appear.

How do I change my password?

Once you're in Online Banking, select the Option button on the main menu bar, navigate to the Edit Password area. Choose Edit, enter your current password, then enter your new password twice. Your password may be eight to twelve alphanumeric characters. For optimum security, we require you to use at least one letter and at least one number.  We recommend that you change your password at least once every 90 days.

What do I do if I forget my password?

You'll need to set up a new password — but don't worry, we can help. Use the "Forgot Password" link in the Account login area or just contact MCS BANK by phone or during your next bank visit.

What happens if I incorrectly enter my password?

If you enter your Access ID or Password incorrectly three consecutive times, you will be locked out of Online Banking. This is one part of our comprehensive security to ensure confidentiality. To gain access again or to receive a new password, contact us by phone or during your next bank visit. At this point "Forgot Password" will not unlock your account you must contact us or visit the nearest branch location.

Which accounts will I be able to view through Online Banking?

You may view any MCS BANK checking, savings, CD or loan account on which you are an authorized signer. 

Can I find out CD information (such as the maturity date) via Online Banking?

Yes, you can use Online Banking to find out the following information on any MCS BANK CDs you own:

  • Maturity date
  • Balance
  • Interest received
  • Interest rate
  • Transaction activity

Can I find out loan information (such as the loan rate) via Online Banking?

Yes, you can use Online Banking to find out the following information on any of your MCS BANK loans:

  • Loan rate
  • Payment amounts
  • Due dates
  • Interest paid
  • Principal balance
  • Estimated Payoff information
  • Escrow disbursements
  • Taxes paid
  • Loan and maturity date

How do I add accounts for viewing on Online Banking? 

When you open a new MCS BANK account, our Online Banking system will automatically add your account to your online profile. If you are not able to view all of your accounts on Online Banking, please contact us by phone or visit the nearest branch location. 

How do I view my account balances?

Select Accounts from the main menu near the top of the screen.

What screens can I print from Online Banking? 

You may print any screen that appears within the MCS Bank website. To print, click on the Print option under File at the top left of your screen, or click on the Print icon in your toolbar near the top of the page.

Does the balance shown on the Accounts Summary page include all transactions that have posted to my account?

For Checking and Savings information, all transactions that have been presented to the account (including those presented today) are included in the balance. This includes Online Banking Transfers and any ACH (Automated Clearing House) transactions made during the day. ACH Transactions include direct deposits, direct payments of bills, etc.

Will Online Banking display transactions that will overdraw the account and/or be considered NSF (non-sufficient funds) transactions?

Yes, the transactions will be displayed on Online Banking.

Can I transfer funds between any of my accounts? 

Yes, you may complete transfers to and from checking and savings accounts and make payments to loans, provided you have a checking or savings account at MCS Bank.

How do I request a transfer of funds between accounts?

For Express Transfers:

  1. Start on the Accounts Summary page and select Express Transfers from the main menu bar.
  2. Next, select the starting account for the transfer (where you want the money to come from).
  3. Then select the destination account (where you want the funds to go) and type in the amount of the transfer.

To make a transfer while working within an account:

  1. Start on the Accounts Summary page and select the starting account for the transfer (where you want the money to come from).
  2. Then select Transfers from the main menu bar.
  3. Type in the amount and date of the transfer, then select the destination account (where you want the funds to go). 

Mobile Banking Questions

Do I have to be an MCS BANK customer to use Mobile Banking?

Yes, you must have at least one MCS Bank personal account to use our Mobile Banking service and you must be enrolled in Consumer Online Baking as well.

How do I set up Mobile Banking from my computer?

  1. Log into MCS BANK Online Banking and navigate to the My Settings link at the top of the page.
  2. Scroll down to the Mobile Banking Profile section and click Enroll Now.
  3. Review and accept the terms of condition to continue.
  4. Select the Mobile Services you would like to have.
  5. Set your time zone and Nickname your accounts.
  6. Enter your 10-digit mobile phone number with no dashes or spaces.
  7. Submit activation code sent through text to receive links to the mobile services you selected.

How do I set up Mobile Banking on my phone?

  1. Click on the link from #3 above or Go to the app store.
  2. Search "MCS BANK Mobile" and download the free app.
  3. Enter your username.
  4. Answer one security question.
  5. Enter your password.

Once I request to be signed up, how long before I can begin using the service? 

You can get started immediately.

Which phones/mobile devices are currently supported?

You should be able to access MCS BANK Mobile Banking with any mobile device (phone, or PDA) that has Internet capability. If you are unsure of your phone’s capabilities, please contact your wireless provider. Please note: Although MCS BANK does not charge for Mobile Banking, your wireless carrier's standard Web access rates do apply.

What can I do if my phone is not Internet-ready?

Unfortunately, Mobile Banking cannot be used if your phone cannot access the Internet. Talk to your wireless provider about upgrading to a newer phone that has Internet capabilities. 

What type of transactions can I complete?

Check balances, check account activity and transfer money between your MCS BANK accounts.

Can I transfer funds between any of my accounts?

You can complete transfers to and from your MCS BANK checking and savings accounts.

Can I pay bills using Mobile Banking?

Yes! You can pay bills from absolutely anywhere with mobile banking.

Can I deposit a check using Mobile Banking?

With Mobile Deposit you can deposit checks using your Mobile Banking App.

What is the charge for using Mobile Banking? 

MCS BANK does not charge for mobile banking access; however, your wireless provider may charge for its Web service. Please check with your wireless carrier for Web access rates and plans. 

How do I know my personal information is secure with Mobile Banking?

Your personal information is protected by advanced encryption technology to prevent unauthorized access.

We use your phone number to automatically verify your identity along with a password and authentication image. 

Mobile Security Questions

It wasn’t that long ago that an account deposit or withdrawal required a visit to your bank to complete the transaction. Banking was inconvenient and time consuming. Today, we have lots of options when it comes to financial transactions. Mobile banking is an increasingly popular way to monitor and manage your money.

But how secure is mobile banking?

The good news is that mobile banking is somewhat secure just because there are so many variations of banking apps and methods in the market. A thief has no way of predicting which method a potential victim might use. If there were only one standardized method the story might be different. Even so, there are certain rules you should follow to make sure your banking information remains safe. 

MCS Bank will never contact you via text asking you to respond with account or other personally identifying info. Please do not fall victim to a text purporting to be from us and requesting your account number(s), Social Security number, or other personal information. The best policy is to immediately delete the text. 

How do I secure my device?

Create a strong password for your mobile device that is easy to remember, but hard to guess. Don’t use common words, names, birthdays, or any personal info in your password.  Use your device’s auto-lock feature to secure your device after five minutes of inactivity.  Turn off any "remember password" feature of your mobile device.  Don’t share your device. Since these devices only accommodate one log on, it’s best to keep them to yourself to protect your personal info.

Do I need to install anti-malware and anti-virus software?

Yes, download anti-malware and anti-virus protection for your phone, tablet, e-reader or any other device that has mobile access to the Internet. This software should be able to scan the device, identify and remove malware, plus check applications for malware before downloading from application stores. 

What if I lose my device?

First, call us at 1-844-245-9495 and we will deactivate your mobile access.  We also recommend you change your passwords for financial and personal accounts to prevent identity theft or fraud.   Report the loss to your carrier (personal devices) or your company (if your company owns it).  They may be able to deactivate the device, so it no longer can be used.  

Should I always use official bank apps?

MCS Bank offers an application in smartphone and tablet app stores. In general, these apps tend to be more secure than sending information by SMS message or e-mail. We go to great lengths to make sure any information sent across a network by an app is encrypted.

Should I avoid banking while on public networks?

Yes. Many mobile devices allow you to connect to different types of networks, including Wi-Fi networks. You might be tempted to check your balance or make some transfers while you grab a quick drink at a coffee shop. But before you log into your account, make sure you’re not connected to the public network.

Public connections aren’t very secure — most places that offer a public Wi-Fi hotspot warn users not to share sensitive information over the network. If you need to access your account information, you may want to switch to another network. If you’re using a smartphone or other cellular device, disabling the Wi-Fi and switching to a cellular network is a good solution. You never know who might be listening in over the public network.

Is it safe to click on a link that comes in a text message or email?

No. Avoid following these links at all costs.

You may have heard the term phishing. Phishing refers to the practice of tricking someone into revealing private information. Fishing and phishing are similar concepts — there’s bait involved with both. With a phishing scheme, that bait might be as simple as a text message or e-mail. It may be as complex as a fake Web site designed to mimic your bank’s official site, which is called spoofing.

You should never follow a banking link sent to you in a text message or e-mail. These links could potentially lead you to a spoofed Web site. If you enter your information into such a site, you’ve just handed that data over to thieves. It’s always a good idea to navigate to a Web site directly. Enter your bank’s Web address into your phone and bookmark it. This will help you avoid bogus Web sites.

On a related note, you should never send your account information or password via text message or e-mail. It’s a common phishing scheme to send out bogus requests for such information. Don’t fall for it!

Can I download any app?

While there aren’t as many examples of malware out in the mobile device market as there are on traditional PCs, the fact remains that mobile devices are just specialized computers. That means it’s possible for someone to design an app that could try to access your information. One way this could happen is if the app hides a keylogger.

A keylogger is a program that records — or logs — keystrokes. Every letter or number you enter into your phone could be recorded. If a hacker pairs a keylogger with some code that either sends off an e-mail or text message at certain times of the day, you might be sending all your keystrokes to someone anywhere on the globe.

For the moment, mobile devices are less prone to malware attacks than computers. But you should still be careful when downloading apps — not just your banking app, but all apps. Do a little research before you download that next widget or game to make sure the app developer has a good reputation. And if you’ve jail-broken an iPhone or you’ve side-loaded unapproved apps, be aware that your data could be vulnerable.

What are some tips for keeping track of my mobile device?

Perhaps the biggest risk is also the reason why mobile banking is so popular — mobile devices are easy to carry around everywhere we go. They can contain everything from passwords to contact lists to our calendar appointments. Information like that can be dangerous if your mobile device falls into the wrong hands.

Apart from tethering all your gadgets to your body or scrapping all electronics and turning into a luddite, there are a few things you can do to minimize your risk. If your device has a digital locking mechanism you should use it. Some devices require you to trace a pattern or insert a PIN. While it might slow you down to have to enter a PIN each time you want to use your phone, that layer of security might be enough to keep a thief from accessing your bank account before you can report your phone as missing. 

Don’t be scared off from using your mobile device to access your bank accounts. Just be sure to practice good, safe behaviors and keep track of your gadgets. With a little common sense and attention, mobile banking can be both convenient and secure.

Banking Basics

How old do I need to be to open a savings or checking account? At what age can someone open an account?

Our Young Saver account can be opened at any age: a checking account may be opened at age 14, with a parent or guardian as a joint account owner. 

How old do I need to be to receive an ATM/Debit Card? At what age can someone get an ATM/Debit Card?

At age 14, with an Adult, or at age 18.

How do I activate my ATM/Debit card? 

Using the personal PIN number, you receive in the mail, or at the branch, you can activate your ATM/Debit card at any ATM machines.  Simply make a balance inquiry using the PIN number. For security reason, your ATM/Debit Card and Pin Number will arrive by mail in separate secure envelopes.  Your card will likely arrive in the mail a few days prior to your PIN Number.  

How do I reorder checks?

Check reorders can be either by calling and talking with any of our friendly Customer Service Representatives, or online, using the link at the bottom of the page.

I need to replace my ATM/Debit Card and cannot wait to receive it in the mail; How quickly can I get a replacement card?

In most cases, a replacement card can be issued and ready to use the same day you contact us.  Call us at 717-248-3000 and speak with any of our friendly Customer Service Representatives 

How can I do I open a Deposit Account?

Simply stop in any of our convenient locations or select the account button on our home page, and then the link for ‘Open in Minutes’. 

How can I transfer money between my MCS Bank accounts? 

Online Banking is a quick and convenient way to transfer funds between your accounts.  Our customer Service Representatives are available by phone, or in the branch, to assist you.

What is the SECURE Act?

The new SECURE Act has increased the Required Minimum Distribution age for IRA owners to 72, as well as removed the age restriction for contributions to an IRA.  Please call 717-248-3000 for more information on these and other changes included in the SECURE Act and how they may affect you.

What are Age Milestones? 

14:  Able to Open a Checking account and Receive a Debit Card, with a parent or guardian as a joint account owner.

18:  Start to Build some Credit, contact one of our convenient branches and one of our experienced Loan Officers can start the process. 

25:  Time to Start Planning for your future, and we can customize a plan to achieve your goals.

59½:  Eligible to start taking IRA and Retirement Distributions without incurring a penalty.

65:  Start on the Medicare Health Plan.

72:  Age that one must begin to take distribution from a qualified retirement plan.

How do I raise my Debit Card limit for a day? 

Call the Milroy Office at 717-248-3000 and talk to any Representative. 

What is Overdraft Protection? 

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account, or line of credit you may have at MCS Bank for fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.

I have another question.

[email protected]

Loan Basics

How do I schedule an appointment or a phone call with a Loan Officer?

Simply call our Milroy Office at 717-248-3000. 

How can I apply for a loan?

On the middle of the Home page is a blue button to Apply Online or you can simply call any of our convenient locations.

What are Personal Loans usually used for? 

Customers often use them for vacations, car or home repairs or improvements, larger purchases, and often to Consolidate some bills.  Contact any of our Loan Officers who can explain the details. 

How does a Consolidation Loan work? 

In many cases, a monthly savings can be found by consolidating bills into one easy payment. 

How long does the loan process take?

As a community bank, we process our own loans and being local, it is very easy for us to communicate with you throughout the process. 

Does the Bank charge an Application Fee? 

No, we do not.

Does the Bank charge points?

No, we do not charge points.  However, on certain loan programs we allow you to pay for a lower interest rate if you wish.

What is Escrow? 

As a simple explanation, escrow is adding together the annual cost of Property Insurance and Property Taxes and then dividing that amount by 12 months.  Then we add that 1/12th amount to your principal and interest payment.

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