We have a coin counting at some of our branch locations. A coin icon indicates at which branch you can bring your coins.
We accept all rolled coin and small amounts of loose coin. For large amounts of loose coin, please call the Member Support Team at 800-356-0067 to schedule an appointment with a branch team member.
Please find a convenient branch or surcharge-free ATM near you by referring to our ATM & Branch Location page.
Yes! You can print out statements through Online Banking if you subscribed for eStatements.
Simply login to your Online Banking account and select "Statements" from the Accounts dropdown. You will need PDF reading software to view your eStatement. Locate the print option after opening the PDF.
Still receiving paper statements? The benefits of enrolling in eStatements:
Yes. Please use our mailing address listed below:
Merrimack Valley Credit Union
P.O. Box 909
North Andover, MA 01845
When mailing a check, please endorse the check and include your account/member number and your first & last name.
Did you know you can deposit checks electronically?
Depositing checks online or from your smartphone is easy!
Download the App
Download the MVCU mobile app on the App Store or via Google Play. Follow the prompts to get set up in the application and log in from your smartphone!
Yes! You can join the credit union without leaving the comfort of your home. Review our eligibility requirements and click here to get started on your account application.
Discover our convenient accounts!
Explore our convenient options designed to meet your needs day-to-day:
Keep tabs on your account balances through our eService options!
With eServices, you have convenient 24/7 access to your account everywhere you go!
You can get your statements electronically by signing up for eStatements.
Sign up for eStatements today! Click on the Statements Widget in Online Banking to subscribe.
Here are some reasons you should consider enrolling:
Did you know that you can access your account 24/7 using Online Banking?
Bank easier with 24/7 access to all of your accounts! Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more! Register today!
Access your accounts on-the-go!
Download the MVCU mobile app on the App Store or via Google Play. Follow the prompts to get set up in the application and log in from your smartphone!
We do not offer Health Savings Account at this time.
Looking to open a savings account?
We offer several other savings account options with competitive rates!
Click here to learn about account benefits and apply today!
Not a member?
Becoming a member is your next step toward financial success! Experience the following benefits:
Click here to learn more and open your account today!
If your employer offers direct deposit, they will be responsible for establishing direct deposit on your behalf. Give the payroll department the following information, and they’ll do the rest:
If you would like to have your direct deposit amount split between your accounts, you can call a member service representative at (800) 356-0067 and let them know how you'd like it distributed.
Learn more about Direct Deposit!
Open a savings account for your direct deposits today!
We offer several savings account options with competitive rates:
Click here to learn about account benefits and apply today.
Keep track of your direct deposits through our eService options
With eServices, you have convenient 24/7 access to your account everywhere you go:
To add a joint owner to your account, a new signature card will be required with all joint owners’ signatures. This can be done at any of our branch locations!
To remove a joint owner from your account, a removal card needs to be signed by the joint owner before we can remove the name. This would require a notary witness if it is not performed at one of our branch locations.
In the event of a death, a death certificate must be presented to the credit union and the name will be removed.
You can deposit checks anywhere from your smartphone! Download our mobile app via the Apple App Store or Google Play.
Download the app today!
Get started! Download the MVCU mobile app in just minutes on the App Store or via Google Play. Follow the prompts to get set up in the application and log in with your Online Banking credentials.
To transfer money between your own accounts, follow these steps:
To transfer money to an MVCU member, follow these steps:
To transfer money to a non-MVCU member, follow these steps:
If the recipient’s bank account information is not available, enter the recipient’s full name and their e-mail address or mobile phone number.
If the recipient’s bank account information is available:
Haven't signed up for online banking yet?
Bank easier with 24/7 access to all of your accounts! Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more! Register today!
Deposit times vary depending on when and where you make them:
Keep track of your deposits easily by signing up for Online & Mobile Banking!
Haven't signed up for Online Banking yet?
Bank easier with 24/7 access to all of your accounts! Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more! Register today.
Access your accounts on-the-go!
Download the MVCU mobile app on the App Store or via Google Play. Follow the prompts to get set up in the application and log in from your smartphone!
There is no limit to the number of accounts you may have with the credit union. Many members maintain several checking and or savings accounts. Provided that you qualify for membership, then you can open an account with us!
Opening an account with us has never been easier!
Once you are a member, you can open a new or secondary account online or at a branch location. For more on our account offerings, please refer to our Checking and Savings pages.
Not a member yet?
Joining is easy! You can open an account with as little as $5. First determine whether you’re eligible for membership and then open your account today!
No. The account holders and your financial institution are the only ones who can view your account balances.
If you suspect your accounts have been compromised, contact us immediately at the Toll-free Member Service Center Telephone Number: 800.356.0067 so that we can assist you in safeguarding your information.
All of your accounts can be viewed with the Mobile Banking app.
Haven't downloaded the app?
Download the MVCU mobile app in just minutes on the App Store or via Google Play. Follow the prompts to get set up in the application and log in with your Online Banking credentials.
An overdraft fee is assessed when you withdraw more money than you have available in your account. All fees are subject to change. Refer to the Schedule of Fees for more information.
Overdrawn account? Make a deposit today!
Avoid overdraft fees with overdraft protection
We know that mistakes can happen, and our goal is to save you from the embarrassment of a bounced check or declined payment. We have programs that can help you protect your accounts from overdraft:
Contact us at 800-356-0067 for more information!
Rates may change frequently but are always accessible online. Please select one of the links below for a current listing of our competitive rates:
View our current service charges on our Schedule of Fees.
Find a convenient branch or surcharge-free ATM near you! Refer to our ATM & Branch Location page!
Not a member?
Becoming a member is your next step toward financial success! Experience the following benefits:
Click here to learn more and open your account today!
If you write a check and do not have enough money in your account by the time the check clears, the check will be returned to the payee (i.e. “bounce”). The credit union assesses a fee in these instances.
Please see our up-to-date Fee Schedule for more information.
Here are some best practices you can follow to ensure that your checks always clear:
Monitor your available balances via Online Banking.
Interest rates on Share Certificates vary and are based on the term of the certificate and on the opening balance of the certificate. Find our current Deposit Rates for our competitive certificate (CD) rates. Learn more about our CDs.
Ready to open your certificate? Open your account today!
Not what you're looking for?
We offer several other savings account options with competitive rates:
Click here to learn about account benefits and apply today.
You can always find our current rates on the Deposit Rates page! We offer fantastic and secure savings accounts that you can open with as little as $5.00. Our savings accounts feature:
Learn more about our savings offerings, or open an account online today!
Not a member?
Becoming a member is your next step toward financial success! Experience the following benefits:
Click here to learn more and open your account today!
An insufficient funds fee (sometimes referred to as a nonsufficient funds fee or NSF fee) can occur when a member simply does not have the available funds in their checking account to cover the entirety of the transaction they are trying to make, and as a result the credit union denies the transaction.
An uncollected funds fee can occur when there are pending credits to an account (like a personal check that has yet to clear), and a member tries to make a purchase that is larger than the member’s available balance. If the purchase amount is larger than their available funds the fee will be assessed, even if there are funds on deposit (which, when cleared would cause the account balance to exceed the purchase amount).
As the check has not cleared, the credit union cannot guarantee those funds. As a best practice, use your available funds as a guideline for writing checks and making purchases.
Our Courtesy Pay and Overdraft Line of Credit can help safeguard against any overdraft fees. Check your available balances on the go with online and mobile banking.
Haven’t signed up for Online Banking yet?
Bank easier with 24/7 access to all of your accounts! Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more! Register today!
Your account balance is the total amount of money that is currently in your account, including any pending transactions.
Your available balance is the total amount of money in your account that is accessible for purchases and withdrawals, as it includes the subtraction of pending transactions and holds from your account balance. However, the available balance does not include checks which have not been cashed or any deposits which have yet to post.
Overdraft fees are determined using your available balance.
Our Courtesy Pay and Overdraft Line of Credit can help safeguard against any overdraft fees. Check your available balances on the go with online and mobile banking.
Haven't downloaded the app?
Download the MVCU mobile app on the App Store or via Google Play. Follow the prompts to get set up in the application and log in from your smartphone!
To clear up a negative balance, you must make a deposit to your account. To make a deposit:
If you have any questions pertaining to the balance on the account, please call one of our member service representatives at the Toll-free Member Service Center Telephone Number: 800.356.0067.
Keep tabs on your account balances through our eService options!
With eServices, you have convenient 24/7 access to your account everywhere you go:
There are many possible reasons why this is happening. During business hours, please call a member service representative at 800.356.0067 or reach out via our secure contact form to resolve the issue.
Traveling?
One common reason for declined cards is a security card block due to unexpected transactions occurring outside the geographic region in which your card generally operates. Please notify us before traveling internationally with your Visa debit and credit card. Fill out our Travel Authorization Form to ensure your funds remain accessible while traveling.
Bon voyage!
Keep track of your account activity through our eService options!
With eServices, you have convenient 24/7 access to your account everywhere you go:
Funds from electronic direct deposits to your account and cash deposits will be available on the day we receive the deposit. For more information, review our Funds Availability disclosure.
Split Direct Deposit
If you would like to have your direct deposit amount split between your MVCU accounts, you can call a member service representative at (800) 356-0067 and let them know how you'd like it distributed.
Stay up-to-date with your account balances 24/7
With eServices, you have convenient access to your account everywhere you go:
View and manage all of your accounts in one place with MVCU online banking. Log in or register today!
Interested in opening a new type of account?
Explore our convenient options designed to meet your needs day-to-day and open your new account now.
Not registered for Online Banking? Bank easier with 24/7 access to all of your accounts! Make online transfers, access Bill Pay & eStatements, check and monitor your FICO score, set savings goals, manage your budget, and much more! Register today!
Your account number can be located:
If you have misplaced or forgotten your account number, please contact one of our member service representatives at (800) 356-0067, or visit any of our branch locations. For security purposes, we will not provide account numbers via email.
Please call 800.356.0067 to reach one of our member service representatives. You can also use our secure contact form to resolve your issue. Visit one of our convenient branch locations if you would like to receive in-person assistance.
Traveling?
One common reason for restricted cards is a security block due to unexpected transactions occurring outside the geographic region in which your card generally operates. Please notify us before traveling internationally with your Visa debit and credit card. Fill out our Travel Authorization Form to ensure your funds remain accessible throughout your travel.
Bon voyage!
Keep track of your account activity through our eService options!
With eServices, you have convenient 24/7 access to your account everywhere you go:
There are many possible reasons your card might be denied.
For security reasons, the specifics of your situation must be dealt with in confidence. During business hours, please call a member service representative at 800.356.0067 or visit a branch location to go over your transaction history.
Do you suspect you've been a victim of identity theft?
Keep track of your debit activity through our eService options!
With eServices, you have convenient 24/7 access to your account everywhere you go:
You may have received a call from our fraud prevention center due to suspicious activity on your Card. If they suspect your card security has been breached, they may suspend the usage of your card until you validate the questionable purchases.
Always remember to notify us prior to traveling so your card(s) can be approved for use in the area you're traveling to. This includes both international and domestic travel.
Do you suspect you've been a victim of identity theft?
There may be a hold on funds in the account that caused the funds to be unavailable at the time the check was presented. Please call one of our member service representatives at 800.356.0067 or visit a branch location to review your transaction history.
Keep track of your account activity through our eService options!
With up-to-date account information and enhanced visibility, keep your accounts more secure! Our eServices provide 24/7 access to your accounts everywhere you go:
Under the requirements of the Patriot Act, all banks must run an identity check on any new customer. They use "customer identification programs" (CIP) that compare your name, address, date of birth, and other facts to the information contained on your credit report. Your credit score will not be affected by that step.
The CIP regulations require institutions to implement reasonable procedures for:
Banks also review ChexSystems, as well as credit report data during the process of determining whether a customer qualifies to open a new account. Under FCRA regulations, the bank has to have a permissible purpose such as "intend[ing] to use the information in connection with a credit transaction involving the consumer" in order to pull a credit report and must obtain the consumer’s consent first. A hard inquiry like this could cause a small credit score ding.
Check Your Credit Score
Keep track of your financial health by checking your credit score for free once annually by visiting www.annualcreditreport.com. The federal government requires that each of the three national credit-reporting agencies - Experian, Equifax, and TransUnion - give you a free credit report every year. Consider staggering the receipt of each of your credit reports to get a better picture of your credit as a whole.
Struggling to manage your credit? Explore our Credit Counseling options for professional assistance. Take control of your financial security today!