"Shout Outs!"
“I love your mobile stuff!”
JJ
I down loaded the app and
I think I will like it a lot!
James M.
“This new App is ingenious! I love it!
Today is my Birthday and it’s a great Birthday present! Thank you for providing this App!”
Happy Member
GO MOBILE - I love it!! I have been checking it out this morning. This is going to be great!!!
Robin C.
Members literally singing praises
for our
new Mobile App.
| Download Our Apps! |  |
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For other devices, access Mobile Banking by typing http://m.cwcu.org in your phone’s browser. If an app is available for your device other than Android or iPhone, you will be offered to download it when selecting Mobile Banking from the landing page.
Online Banking From Your Cell Phone!
- Web-based mobile banking
- Safe & Secure
- Free Service
- Available to all our Online Banking users
*Commonwealth Credit Union Mobile Banking is a free service. However, because it uses your phone's data transfer service, there may be a charge from your cell phone provider. Consult your cell phone service plan for details.
Allpoint ATM Locator App for your iPhone, Android or Blackberry:
Mobile Banking FAQ
Mobile Banking gives you instant connectivity to your accounts any time, anywhere on your mobile device.
- Login with online banking account number, username and password
- View account list with available balance
- View combined transaction history for all accounts
- View transaction history for individual account
- Make immediate transfers
- Link to Mobile Locator site for ATM and Branch locations
- View graphs
We provide Go Mobile apps for Iphone, Ipad, and Android devices as well as many other mobile devices. The App is available for the Iphone, Ipad, and Ipod touch in the ITunes store or for Droid powered devices at the Android market. If no App for your device is available we provide a browser based path to access your accounts. This can be accessed by typing http://m.cwcu.org into your phone’s browser. If an app is available for your device other than Android or Iphone, you will be offered to download it when selecting Mobile banking from the landing page.
Will Mobile Banking Work On All Cell Phones?
Supported Devices
The MFM Application is generally supported on the following types of phones from any operator:
- Iphone, Ipod Touch, Ipad
- Android
- Windows Mobile Smart Phone and PocketPC phones (versions 6.x, 5.0, and 2003) [Note, Windows Phone 7 is not supported by an application.]
- BlackBerry phones
- PalmOS phones
- Phones that support installing Java applications
The phone needs a data plan with internet access.
Detailed requirements
BlackBerry devices require the RIM API and CLDC-1.1. This is supported on all modern BlackBerry devices. Some very old devices might require a firmware upgrade.
Java devices must support MIDP-2.0 for the necessary security (https support). They must also have a minimum of 800KB heap size and support downloadable applications up to 300KB in size.
PalmOS devices require an aftermarket Java Virtual Machine. The IBM WebSphere Java VM is now hard to find.
Supported Device List
A list of supported devices is available at https://www.mfmnow.com/Supported.aspx
Note that a device may support the MFM application even if it is not on the list .
How Do I Access Mobile Banking?
It's easy! Just browse to http://m.cwcu.org and select Mobile Banking on the landing page. Log in using your online banking credentials. Alternate Ids will not work. You must use you member number. If an APP for your device is available you can select download for a more enjoyable experience.
Do I Need To Enroll For Mobile Banking?
No! Mobile Banking is available to all our Online Banking users. If you are not enrolled in Online Banking, you will need to do so to access Mobile Banking. You must have a valid e-mail address.
What Accounts Can I Access With Mobile Banking?
You can access any of your accounts that are currently available for access with Online Banking. Currently bill payments can be sent from the full website at www.ccuky.org.
How Do I View My Account Information?
Once you access the site http://m.cwcu.org or launch your Go Mobile App you will see a listing of all your online accounts and their available balance. Simply click on the account you would like to access to view more information.
Can Transfers Be Made Using Mobile Banking?
Sure. Immediate transfers between your Commonwealth Credit Union accounts can be made using Mobile Banking. The transfers will be made the same way they are completed online using Online Banking.
Is Mobile Banking Secure?
All standard Online Banking security features are applied at login including multifactor authentication. 128 bit SSL encryption is used to secure the session.
What You Can Do to Protect Your Information
Using your mobile device to check the balances of your accounts or to process a simple transaction is convenient and can save you time, but how do you make sure it is also secure?
Ways to protect your information while using your mobile device:
- Treat your mobile device with the same level of care as you would a credit card. If it is lost or stolen and you have not protected it adequately, you may be at risk.
- Password-protect your mobile device.
- Store your mobile device in a safe place.
- Do not send confidential information in e-mail or text messages (e.g., account numbers). It is important to understand that text messages are not encrypted the same way your mobile device information is. If someone gains access to your phone, they will be able to view any text messages sent or received that have not yet been deleted.
- Delete messages that contain account information, including account balances, and any alerts you receive on a regular basis.
- Only download information (photos, ring tones, video clips, etc.) from trusted sources.
- Follow the same rules you use on your computer with respect to opening e-mail and attachments. Similar to phishing attacks on your computer, SMiShing attacks involve fraudsters using text messages with links in them on your mobile device. The fraudsters will use these text messages in an attempt to: Get you to download unsuspecting software containing viruses. Never open or respond to a text message from someone you do not know, and proceed with caution even if it comes from someone you do know. Take you to a "spoofed" or fake Web site that is masquerading as a Commonwealth Credit Union site and request your account credentials (e.g. password, user ID, etc.)
- Install antivirus software on your mobile device. Contact your carrier for specific information on available antivirus software for your device.
- If you are concerned about the sites you are accessing from your mobile device, turn on the "show URL" or "show address bar" option so that you can see the actual site addresses to ensure they start with "https." Check the information that came with your device for specific instructions.
Is Mobile The Same As Wireless?
No! An example of wireless is using your laptop to do Online Banking through a wireless network (WEP, WPA, etc.). Like at cafes and restaurants or hotels. Most times these wireless portals are not encrypted from your device to the wireless point you are connected to. We do not recommend doing any online transactions over wireless if you are not sure it is secure in some way.
The mobile phone or devices carrier, ATT, Verizon, Sprint etc employee private networks to establish your link.
How Does SSL Protect You?
Secure Socket Layer (SSL) protects data in three key ways:
- Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating Commonwealth Credit Union
- Encryption scrambles transferred data.
- Data integrity verifies that the information sent by you to Commonwealth Credit Union was not altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.
How Much Does Mobile Banking Cost?
Commonwealth Credit Union does not charge for Mobile Banking. However, depending on the rate plan with your mobile service provider, you may incur charges when accessing the Internet. Please consult your mobile device's service plan for details.
Mobile Banking Disclosure
This requires Online Banking enrollment. In order to use this service, you require an Internet browser enabled cell phone or smart phone. You will be responsible for data charges on your device (please check with your mobile provider).
Commonwealth Credit Union does not support the cell phone device. We are not responsible for any errors or failures from any malfunction of your mobile device, the browser or software. You are responsible for the security and security settings of your device. Commonwealth Credit Union also is not responsible for any virus or related problems that may be associated with the use of an online system.