Activate Your Mobile Phone

To register your phone for Mobile and Text Banking, follow these steps:
  1. Log into Ideal CU Online Banking.
  2. Go to the User Services tab. Under Manage Account, select Mobile Enrollment.
  3. Select your mobile carrier and enter your phone number.
  4. A text message will be sent to your phone. Reply to this text message with the Activation Code displayed on your computer screen.
  5. You will receive another text message confirming your phone activation. To initiate Mobile Banking, click on the link provided in the text message. Enter the Activation Code again, as well as your mobile phone number. You may now continue to use our mobile banking application.
Phone requirements: Internet capability for Mobile Banking. SMS/text message capability for Text Banking. Text message and data rates may apply.

IMPORTANT NOTE - Only one (1) Ideal CU Online Banking Access ID per device; multiple Access IDs on one device are not supported.

Mobile Banking App

The Ideal CU Mobile Banking App is the best way to keep in touch with your accounts at Ideal Credit Union. Be sure to download the app today to start getting the most out of your membership. It only takes minute to download and enroll.

With this FREE app, you'll be able to:

  • View account balances
  • View account details / history
  • Transfer money between Ideal CU accounts
  • Use Mobile Bill Pay
  • Use Mobile Check Deposit
  • Find branches and ATMs

Download the Ideal CU Mobile Banking App

Download Mobile Banking App

Mobile Banking

Enroll in
Text Banking

Enroll for text and mobile banking in Ideal CU Online Banking. On the User Services tab, select Mobile Enrollment. Learn more about enrollment.
IMPORTANT NOTE - Only one (1) Ideal CU Online Banking Access ID per device; multiple Access IDs on one device are not supported.

Monitor your Ideal Credit Union accounts With Notify Me Alerts!

Receive alerts by text message or email to stay on top of your account activity to detect fraud within seconds.

Types of Notify Me Alerts

Account Activity Alerts
Opt-in to receive account alerts to monitor specific account activity, transactions and balances. Use this feature to avoid service charges, ensure transactions are cleared, and be alerted to any suspicious activity. Account Activity Alerts include:

  • overdrawn accounts
  • low balance notifications
  • cleared checks
  • direct deposits made
  • transactions for certain amounts that you decide

Security Alerts
Security alerts are delivered automatically to the email address associated with your email address in Ideal CU Online Banking. Security Alerts are sent when:

  • Changes are made to account login credentials (Access ID or passcode)
  • Online transfers from Ideal CU accounts
  • Online transfers to external accounts at other financial instiutions

Elect to have security alerts sent to a secondary email and/or your mobile device by text message.

Set Up Your Alerts

  • Log in to Ideal CU Online Banking and locate the Notify Me Alerts tab
  • Ensure your contact information is correct in the box. To update, click the "Update Email Address/Mobile Number" button
  • Select the tab of alerts you wish to customize in each category (Account Activity, Messaging or Security)
  • Subscribe to any or all of 16 alerts available from the three tabs
  • Using the edit option, customize the frequency and delivery mode for your alerts (email or text). You can enter up to two email address

Note: When entering a new mobile number, you will be required to enter a registration code that has been sent to your mobile phone. Once the registration code has been entered on the website, the phone will be enrolled.

Quicken users: here are step-by-step instructions for the Quicken One Step Update and activation.

Step 1 Open the Account List

1.Click Tools
Select Account List

Step 2 Remove/deactivate all Ideal CU accounts from One Step Update

**If the account is not currently activated, skip this step**

1. Click Edit
2. Online Services tab, click Remove from One-Step Update or Deactivate
3. Click Yes to deactivate this service
4. Click Ok
5. Repeat these steps for all Ideal CU accounts

Quicken 2011Quicken 2012
 Quicken 1 Download Ideal CU transaction data

Quicken 2 Download Ideal CU transaction data

Step 3 Activate One Step Update

1.In the Account List, Click Edit on one of the Ideal CU accounts

2.Under the Online Services tab, click Activate One Step Update or Set up now… for Download transactions directly from your Financial Institution.

3.If prompted for a Financial Institution, type Ideal and select Ideal Credit Union from the Financial Institution list

4.Type your Online Banking Access ID in the Ideal Credit Union User ID / User Name field

5.Type your Online Banking password in the password field

6.Click Connect

NOTE: One Step Update works per access ID. Therefore, all Ideal CU accounts (including joint accounts) listed under the same Access ID in Online Banking will Activate and Update at the same time.

Quicken 2011Quicken 2012
Quicken 3 Ideal CU Account DetailsQuicken 4 Ideal CU Account Details

Step 4 Link the accounts to existing Quicken accounts

1. Select the account type from the first drop-down: Checking, Savings or Credit Card
Select Link – to existing Quicken account and click the corresponding account
3. After all the accounts are linked, click Next

Quicken 5 Ideal CU Account Details

Alternative way to download transactions

1.Select a Ideal CU Account, click Account Actions > Update Now or Ctrl + Alt + U

Type the account password

Click Update Now
Quicken 6 Ideal CU Account Details


You may need to validate your Quicken file

1. Click File
Click File Operations… > Validate and Repair
Check the Validate file box
4. Click OK

Close the notepad and try downloading transactions again

Quicken 7 Validate Quicken File


4 Reasons to love eStatements!
Stay Organized

Keep all statements in one place with access to your financial records when its convenient for you!

Reduce Clutter

Less paper to store and manage.


Receive your eStatements more quickly.


eStatements are safer and more secure than paper.

Sign up today!
Login to Ideal CU Online Banking and click the eStatements tab. Enrollment is a snap.