Online Web Pay
Save Time. Save Money. Pay your
Click and Pay with WebPay.
USERS!! IF YOU HAD PREVIOUSLY ENROLLED IN
BILL PAY YOU DO NOT NEED TO RE-ENROLL.
YOUR EXISTING USER NAME AND PASSWORD WILL
ALLOW YOU ACCESS TO THE NEW BILL PAY SITE.
Existing users, see note to left.
Web Pay is an electronic bill payment service that
allows you to pay bills using an Internet connection.
What should I know about Web Pay?
Members requesting MCU’s Web Pay service must
complete an application and provide an email address. All terms and
conditions listed on the website must be agreed to before you will
be able to use the service. Web Pay service is available 24 hours a
day, 7 days a week, except during maintenance periods. Payments may
be scheduled only on Business days ( Monday through Friday, except
Federal Reserve holidays and any additional day the Credit Union is
You will create your own user ID and you agree not to
share your User ID, password, or account number(s) with any
individual not authorized to access your Web pay account. Payments
may be set up as a one time occurrence or as monthly recurring
payments. Payments can be made through the Web Pay service to any
business, merchant or professional that generates a bill or invoice
for services or products provided on your behalf. You must provide a
valid address, account number and phone number for all payees.
How do I get started?
A Web Pay application is available from the credit
union. You must enroll yourself by going to
www.municu.org and use the Web
Pay Link. Once you are enrolled a notice is sent to the credit union
and your account information will be verified. It may take 1 to 4
days to complete the enrollment process.
When you login into Web Pay the first time you
will be required to set up a security key (alpha numeric
combination). This security key will appear each time you are logged
into our Web Pay website. (This will not appear on an invalid
website.) You will also need to answer challenge questions. They
will be used to verify your identity with future transactions.
Once you have logged into Web Pay you will need to
set up all payees with a valid account number, address and phone
number. Schedule the first payment to a payee at least 10 business
days prior to the payment due date. After the initial payment you
must instruct us to process subsequent payments at least 5 business
days prior to the payment due date.
Are there any transaction fees?
There are no transaction fees associated with the
Web Pay service at this time. In the event MCU feels the need to
charge an access fee for the Web Pay service, you will receive
Any scheduled payment that overdraws your checking
account will be dishonored and the normal overdraft fee will apply.
If your Web Pay account is not used for 3
consecutive months a fee of $5.00 per month will be charged until
the account is either closed or reactivated.
Frequently Asked Questions
What if I change my mind about a payment?
You may modify or cancel any scheduled payments
via the web site at any time prior to 4:00 a.m. Central Time USA
on the account process date.
How are my bills paid through Web Pay?
Your payments may be remitted by mailing your
payee a check, by electronic funds transfer or by other means. All
checks are sent through the United States mail and we are not
responsible for postal delays or processing delays by the payees.
Occasionally, a payee may choose not to participate in the service
or may be unable to process the payments in a timely manner. If
this should happen we may decline to make future payments to these
payees and you will receive written notification of this.
Will I be able to see what payment I have
made in the past or what I have scheduled to be paid?
Past payments and future scheduled payments may
be viewed on the website. The number of records stored will depend
on the amount of available space on the system.
What if I forget my password?
Contact the credit union to have your password
What if I believe my User ID and Password
has been lost or stolen?
You must notify Municipal Credit Union by phone
immediately if you believe your User ID and/or Password has been
lost or stolen. We will require written notification if someone
whom you granted authority to use your User ID has exceeded such
authority. In both cases we will change your User Id and Password.
How is the Web Pay service terminated?
You must notify the Credit Union at least 10
days prior to the date on which you want to have your Web Pay
service terminated. You must also cancel any future scheduled
The Web Pay service may be terminated due to
overdraft or non-sufficient fund activity.
The Credit Union may also terminate Web Pay
services for any member who has not used the service for more than
We will disclose information to third parties
about your accounts or the transfers you make:
Where it is necessary for completing transfers and
bill payments, or In order to verify the existence and condition of
your account for the third party, such as a credit bureau or
merchant, or In order to comply with government agency, court orders
or applicable law, or To protect the interests of the credit union
or of the public, such as to prevent fraud or a crime, or To protect
the interests of the credit union, such as collection of a debt, or
If we have your express or implied consent
Privacy advisory- We ask for
this information so that Municipal Credit Union can provide the
information you requested and it will be destroyed after the
information has been forwarded to you.