FAQs

Certain browsers with built in or 3rd party pop-up blockers will prevent the launching of the Bill payment window when you click on the Bill Pay tab.

Instructions for bypassing or disabling pop-up blockers for several browsers can be found below

• Firefox
• Internet Explorer
• Opera
• Safari (Macintosh)
• Safari (Windows)
• Google Toolbar

Yes, there are two separate enrollments - one for home banking (MissionLink) and a seperate one for Bill Pay.

To enroll for Bill Pay, first, sign up for MissionLink. 

While you are logged on to MissionLink:
 

• Click on the Bill Payment link in the navigation area.
• A Online Bill Pay Enrollment screen will come up, click on the Continue button.
• Read the Terms and Conditions, then click on the Accept the Terms button to continue enrollment.
• Click on the Bill Payment link again. If your browser displays a pop-up blocker notification, then please  for assistance with bypassing your pop-up blocker.

A new window "Welcome to Online Bill Pay!" should pop up and you can get your bill payment setup.

Your security and account information are safe online because of the strict security measures implemented by our expert technology team.  They recommend you use a browser with 128-bit encryption, such as Netscape, Firefox, Safari, or Microsoft Internet Explorer.  

You provide one of the most important safety features by protecting your password.  Make sure no one can see your password as you sign on, and always sign off before leaving or moving on to other sites.  Never share your password with a friend or make it so obvious someone might guess it.  Avoid using birthdays, social security numbers and phone numbers. 

TREAT YOUR PASSWORD AS YOU TREAT YOUR ATM PIN.  DO NOT GIVE YOUR PASSWORD TO ANYONE UNLESS YOU WANT THEM TO HAVE ACCESS TO YOUR ACCOUNTS.  MEMORIZE YOUR PASSWORD, DON'T WRITE IT DOWN.

You will need the following information:

• The biller name
• The biller payment address as shown on their invoice
• The biller telephone number
• Your account number with the biller.

Once you sign up for the Online Bill Pay service and use the service monthly as described below there is no charge to our members.

NOTE: Starting in August of 2009, members who make three or more MissionLink Online Bill Payments during a calendar month will avoid a monthly fee of $1.95.  Mission Fed  is charged a third party fee for registered members who have signed up for the service. However, Mission Fed does not pass along the fee to our members who use the online bill pay service monthly. A charge will apply if you sign up and do not use the online bill pay service. Avoid an unnecessary monthly non-usage fee by simply using the service!

All members are encouraged to use Online Bill Payments monthly! Not only will you save money and avoid a non-usage fee but by GOING GREEN you are doing your part to help conserve paper and reduce costs.

Mission Fed's Online Bill Pay is simple and easy to set up.

• Here's how:
• Log in to MissionLink eBranch at the top right of this page
• Select the Bill Payment tab and follow the easy step-by-step instructions
• Schedule payments up to one year in advance so you don't miss any payments
• Set up repeating payments for monthly bills such as a mortgage or for other bills such as utilities
• Simply set it and forget it
   

If you forget your MissionLink password, we recommend that you first attempt to reset your password by going this page, PASSWORD RESET : 

https://missionlink.missionfcu.org/MFCU/ForgottenPassword/ForgotYourPassword.aspx

If you are not successful, please contact Membercare at 800.500.6328 during normal business hours for assistance.

Your password is not the same as your ATM or Visa Check Card PIN. If you don't know or have forgotten your password click here.

Mission Fed provides several ways to update your email address and it is important that you do so as more and more of our communication is via email.

- The easiest way to change your address is to log in to MissionLink
 Click on the Member Services tab
 Click on the Change Email Address link (Personal Information)

Yes, beginning in early December through April 15 the Federal Turbo Tax software is available at no cost to members.

As a Mission Fed  member you can file your simple return FREE with TurboTax Federal Free Edition and get your biggest tax refund possible in as few as 8 days when you e-file and use direct deposit.

To find out more go to: http://www.missionfcu.org/services/turbo-tax-software

Mission Skip-A-Pay is a loan program that provides members with the option to skip a payment for certain loan types.

The following loan types are eligible:

Please review the open positions posted in our Career Center. Applications/resumes are only accepted online. If there is interest, a Mission Fed recruiter will contact you. Career Center is located here: https://www.missionfcu.org/about-us/careers.

You can order checks online 24/7 via MissionLink by logging into your account and selecting the Member Services tab, and then selecting the Order Checks* link under the Account Service area.

You can contact Deluxe directly at 866-838-5375.  Please note that you will need to provide your checking account number and Mission Fed's routing/transit number:  322281507

Additionally, during business hours, you may contact us at 800-500-6328 or visit any branch location.

* Note: An original check order must be completed by a consultant before you can reorder checks via MissionLink.

All current Consumer and Business Rates and Fee Schedules are located in the "CURRENT RATES" widget on the homepage which also includes comparison rates from other local financial institutions for the same product. All current Consumer and Business Rates and Fee Schedules are also available for download on the "RATES" page. https://www.missionfcu.org/rates

To set up direct deposit, request the necessary form from the organization or company making the electronic deposit or debit and be sure to indicate Mission Fed’s routing number (#322281507) and your account on the form you receive.

To set up an automatic loan payment contact Mission Fed at 800.500.6328. You will need to provide the name of the institution, the routing number, your account number and type of account. If you are withdrawing from a savings account you may need to contact your financial institution prior to initiating the withdrawal. At this time, only individual payments can be made. Please see the Fee Schedule for the ACH origination fee. 

To place a stop payment on an EFT please stop by any of our branches or contact us 800.500.6328 and request a EFT stop payment form be mailed to you.

Hold times will vary depending on the type and dollar amount of the item(s) being presented for deposit.  A detailed outline of our hold policy is referenced in our Mission Federal Account Disclosures and Agreements booklet.

This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet certain criteria [including providing separate property as collateral]. If you do not want to receive prescreened offers of credit from this and other companies, call the Credit Bureau Opt-Out program toll-free 1-888-567-8688; or write:

Equifax Information Service Center
P.O. Box 740123
Atlanta, GA 30374-0123

Trans Union Name
P.O. Box 505
Woodlyn, PA 19094

Experian Consumer
Services Department
901 West Bond
Lincoln, NE 68521

MissionLink is compatible with Intuit Quicken^® and Microsoft Money^®(versions 2001 and higher). You can also download a CSV (Comma Separated Values) file if you use a different program which is capable of importing CSV files or Excel^®.

To download a file for your money management software:

• Login to MissionLink
• Click on the My Accounts link.
• Click on the Download link in the "My Accounts" submenu.
• Select the Account you want information on from the drop down list.
• Input the date range you wish to use in the "From Date:" and "To Date:" fields.
• Select a program type from the "Download To" drop down.
• Click on the Download button.

Please be advised that Mission Federal cannot offer technical assistance with Quicken or  Microsoft Money.  These questions should be referred to Intuit or Microsoft^®­­.

Mission Courtesy Pay (MCP) adds an additional level of overdraft protection to eligible accounts to ensure checks or electronic /ACH (Automatic Clearing House) items are paid even if funds are not currently available in the account.

The MFCU fee schedule can be found here.

You may opt out of MCP by calling us at 800-500-6328 or by visiting any one of our branches.

MCP is only available on consumer checking products.

MCP is only available on consumer checking accounts.

Yes, there is a fee. Please refer to our Fee Schedule for the most current fee. The fee will be reflected on your monthly statement with a description of Courtesy Pay Fee.

There is no cost to have MCP on your account. There is a minimal fee if an item is paid using the MCP program.

Yes, you may have your limit lowered. Contact us at 800-500-6328 or visit a branch for details.

The MCP limit on your account is determined based on a variety of qualifications. There are three tiers - $300, $500, and $750. Contact us at 800-500-6328 or visit a branch to find out your MCP limit.

The MFCU fee schedule can be found here.

Mission Federal Credit Union is a member of the largest credit union-only ATM network in the country. Co-Op Network membership provides surcharge-free access at 28,000 ATMs, which includes 9,000 deposit-taking and 5,500 7-Eleven locations throughout the U.S. and Canada. Co-Op Network's membership has access to over 800,000 ATMs worldwide through links to NYCE, STAR, Cirrus, Pulse, and Plus.
click here to see a list of Mission Fed's branches and ATM locations

To report a lost or stolen card Visa Check or Visa Credit Card, you may reach the Visa lost/stolen department at 800-556-5678, 24 hours a day.

To request a replacement of a damaged or captured ATM, Visa Check or Visa Credit Card, please contact our Telephone Service Express Center at 800-500-6328. Telephone consultants are available Monday - Friday 7:00 a.m. to 7:00 p.m. and on Saturdays 9:00 a.m. to 1:00 p.m. Pacific Standard Time.

A VISA card is an unsecured line of credit used for making purchases or obtaining cash advances.

Choose the card that is right for you, here.

Visa Transaction
To dispute a Visa transaction, contact the merchant in an effort to resolve the error/dispute.  If resolution can not be made, please provide Mission Fed with a signed, written notification of the error on your account.  Please include the following information:

• Name
• Account Number
• Merchant Name
• Amount of dispute
• Transaction date
• Description of the suspected error in full detail
  • include any documentation associated with the disputed transaction
  • your attempts to resolve the error with the merchant.

For your convenience you may fax your dispute to 858-524-2631 or mail it to:

Mission Federal Credit Union
Card Services Department
P.O. Box 270589
San Diego, CA 92191 

A Notification of Suspected Error form is available in our branch offices or one can be mailed to you upon request.

Electronic Funds Transfer
To place a stop payment on an electronic funds transfer, please contact us at 800-500-6328. Request that a EFT stop payment form  be mailed to you.  You may also complete this form, in person, at any of our 23 branch locations.

Mission Fed serves you with 22 branches, 44 Mission Fed ATMs, and access to 28,000 CO-OP Network ATMs throughout the U.S. and Canada. Use this handy ATM & Branch Locator page to find your nearest Mission Fed branches and ATMs.

Mission Fed serves you with 23 branches, 44 Mission Fed ATMs, and access to more than 20,271 CO-OP Network ATMs throughout the U.S. and Canada (including 500 throughout San Diego County).  Use this handy ATM & Branch Locator  page to find your nearest Mission Fed branches and ATMs. 

Visa Check Card transactions appear in the "Debit" area of your checking account history.  In MissionLink, click on your checking account in the "My Accounts" area to display processed transactions.  If you don't see a transaction, the merchant has not yet presented it for payment.  This does NOT mean the transaction is not pending or outstanding.  A Visa Check Card transaction works just like a check and might incur a "float" period of several days before it is settled against the account.  In general, it will settle immediately.

Choose the account that is right for you. Click here.

The business account fee schedule can be found here.

Business certificates allow the member to "lock" their funds in a term account with a guaranteed rate of return.

DBA is an acronym for "Doing Business As" (also known as a "Fictitious Name."). 

Most states require that sole proprietorships, partnerships and corporations that are conducting business under a name other than the owner(s) must file for a DBA certificate in the county where business is conducted.  The DBA certificate is generally obtained at the Clerk of Court of the county in which business will be conducted.  A fee is charged and most courthouses have records that may be searched to determine if your suggested name will be unique.

A Partnership account is a business account with more than one owner and is not incorporated or organized as a Limited Liability Company (LLC).  It can be a General Partnership or a Limited Partnership.

Mission Federal offers you several smart ways to save for retirement, such as the Traditional IRA (Individual Retirement Account), ROTH IRA, SEP IRA and Keogh plans, including profit sharing and money purchase plans.   

A Traditional IRA is a retirement account in which contributions may be tax deductible. Learn More  | Open an Account

A ROTH IRA is a non-deductible, dividend-earning retirement account, in which the earnings can be withdrawn tax-free if the IRS rules are followed. Learn More  | Open an Account

A SEP IRA combines the high contribution limits of a qualified plan with the simplicity of a traditional IRA.  The SEP IRA is designed for self-employed people or small businesses.

The Keogh Plan is a nice option for for self-employed. With the Keogh plan, you can contribute up to 25% of annual self-employed compensation, well beyond the $4,000 annual limit of a Traditional IRA. Contributions and earnings are tax-deferred until withdrawal at age 59 1/2 or later.

The Coverdell Education Savings Account (ESA)  account lets you contribute $2,000 a year of after-tax money to build a school account. All earnings on your contributions grow tax-free and stay tax-free, as long as the funds are used for qualified expenses, including elementary, secondary, and post-secondary education. Post secondary education includes any college, university, and vocational school expenses. Practically speaking, an eligible institution includes virtually all accredited public, non-profit, and private post-secondary institutions. Eligible elementary or secondary schools include any public, private, or religious schools. You can contribute funds until your child turns 18-years old, and your child has until age 30 to use the funds and receive the tax exemption.

The Coverdell ESA is NOT a retirement arrangement.  It is a trust or a custodial account created only for the purpose of paying the Education Expenses at a qualified institution of the Designated Beneficiary of the account.

Who is the Designated Beneficiary?
The designated beneficiary is the child on whose behalf the trust or custodial account has been established.

Qualified Education Expenses
Education expenses include qualified elementary and secondary education expenses, in addition to post-secondary higher education.

Examples:
Tuition, Fees, Books, Supplies, Academic Tutoring, Equipment, Special services in the case of a special-needs beneficiary, and Room and board if the beneficiary is at least a part-time student at an eligible
educational institution.

Contributions & Limits
Any individual may contribute to a child’s Coverdell account if their modified adjusted gross income meets the IRS guidelines which are:

• $95,000 for single persons, with a phase out up to $110,000.
• $190,000 for married couples filing jointly, with a phase out up to $220,000.
• The maximum contribution per year per child is $2000.
• Contributions are NOT permitted once the child turns 18 years of age.
• Contributions will be accepted until April 15th for the previous year.

Distributions & Penalties

• Earnings withdrawals from a Coverdell ESA are “tax-free” if funds are used for qualified educational expenses at qualified educational institutions.
• The funds in this account must be distributed to the beneficiary within 30 days after the beneficiary reaches the age 30 or upon their death.
• Non-qualified distributions will incur an IRS penalty of 10% and taxation.

The MFCU fee schedule can be found here.

A "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet certain criteria [including providing separate property as collateral]. If you do not want to receive prescreened offers of credit from this and other companies, call the Credit Bureau Opt-Out program toll-free 1-888-567-8688; or write:

• Equifax Information Service Center
  P.O. Box 740123
  Atlanta, GA 30374-0123
• Trans Union Name
  P.O. Box 505
  Woodlyn, PA 19094
• Experian Consumer
  Services Department
  901 West Bond
  Lincoln, NE 68521

If you are inquiring about an existing student loan, please contact our Student Loan Servicing department at 800-500-6328 ext. 8409.

Mechanical Breakdown Protection is a true insurance product.  MBP helps cover unexpected repair expenses similar to a dealer service contract, however it offers greater security and better coverage at a lower cost!

Eligibility Requirements

• Current model year and 11 prior model years (based on calendar year) are eligible
• No inspection required (some restrictions apply)
• Can be purchased anytime
• No more than 90k miles on the odometer

Additional Features

• Towing
• Rental car
• Trip interruption
• Road side assistance
• Lost key/Lockout
• Can be transferred

Autoland can help our members purchase any new or used vehicle and save them the hassle normally associated with a vehicle purchase.  With their volume buying power, they can help a member save money on any new make and model available.  With their huge selection of Certified Pre-owned vehicles, they can help our members find the used vehicle they want most.  

By acting as our member’s personal concierge service, Autoland will ensure the best possible service and value for our members.  Autoland has been serving credit unions and their members since 1971.  Their goal is to educate our members to help them make an informed auto buying decision.

There are no additional fees if the member pays above the price of the vehicle.

When a member chooses to purchase their vehicle through Autoland, there is a REFUNDABLE $250 deposit that goes towards the purchase price of the vehicle.  If the member is financing their vehicle 100%, the Autoland Consultant can refund the member their deposit.

Follow this link to look for your  new car

New and Used vehicle financing is available to members.  MFCU is ready to provide the financing needed for your preferred mode of transportation- Car, SUV or truck.

• Always refer to the current rate sheet.
• Auto loan details

To find our current auto loan rates, click here.

You can obtain a loan application from any of our branches or apply online now.

In MissionLink, click on the Account History tab and select the loan you would like to pay off. Payment information, including interest due, is displayed under account detail.

A loan payment is simply a transfer from one of your share accounts to the loan. By using the transfer option you can easily make payments on your loan account whenever you like. Online transfers will not be allowed to loans that are more than one payment delinquent.

A scheduled payment must be made each billing cycle. To make a principal only payment, please contact us by phone.

You can make a principal payment on your consumer loan at any time providing the loan is current. Please visit any of our branches or call us at 800.500.6328. This option is not available through Missionlink.

You are required to have a good payment history in order to request cancellation of your Private Mortgage Insurance. For most loan types, a good payment history is defined as:

• No payments 30+ days past due in the last 12 months, AND
• No payments 60+ days past due in the last 24 months, AND,
• if your loan has been refinanced, then:

• The last 12 consecutive payments must have been made within 30 days of the due date.

A loan-to-value ratio can be expressed as the current principal balance divided by either the original property value (the original appraised value or sales price, which ever is less), or value based on a new appraisal.

You may elect to pay additional to principal every month as part of your scheduled mortgage payment.  The additional funds can be withdrawn as part of your automatic payment. 

You may also make a principal payment on any real estate loan at any time providing the loan is current. Please visit any of our branches or call us at 800.500.6328. This option is not available through Missionlink.

You may contact the Real Estate Department by phone at 858-546-2039 or toll-free at 800-500-6328 ext 2039.  Our phone support hours are from Monday to Thursday 8:00 AM PST to 5:00 PM PST and Friday 8:00 AM PST to 6:00 PM PST.  To utilize our interactive mortgage selector, proceed to Loan Consultant.

In MissionLink, click on the Account History tab and select the loan you would like to pay off. Payment information, including interest due, is displayed under account detail.