Effective February 26th, 2015, Online Deposit through Ideal CU Online Banking is no longer be available.

As a current user, we encourage you to download our Mobile Banking app and utilize Mobile Check Deposit instead. To use Mobile Check Deposit you need an eligible Ideal Checking or Savings account, a supported mobile device and the most recent version of the Ideal CU Mobile Banking app.

Effective February 26th, 2015, Online Deposit through Ideal CU Online Banking is no longer be available.

As a current user, we encourage you to download our Mobile Banking app and utilize Mobile Check Deposit instead. To use Mobile Check Deposit you need an eligible Ideal Checking or Savings account, a supported mobile device and the most recent version of the Ideal CU Mobile Banking app.

Ideal Credit Union Mobile Check Deposit Contest Official Rules

  1. This Mobile Check Deposit promotion is sponsored by Ideal Credit Union, 8499 Tamarack Road, Woodbury MN 55125.
  2. The promotion will run from February 1 through February 27, 2015. Members will receive one (1) entry per week into a random weekly drawing for downloading and/or using Ideal CU’s Mobile Banking app to submit a check for deposit through Mobile Check Deposit. Acceptable check types include personal checks, business checks or cashier’s checks drawn on a financial institution located within the United States. Checks made payable to self are not allowed. Limit one (1) entry per use/deposit per week. Entries are not carried over from week to week.
  3. No purchase necessary. To enter without purchase or transaction, eligible persons may hand-print on a plain piece of 3” x 5” paper your complete name, physical mailing address (no P.O. Boxes), date of birth (MM/DD/YYYY) and daytime/evening telephone numbers. Mail your submission in an envelope no larger than a #10 (business-size envelope) with 1st-class postage affixed, to:Ideal CU Mobile Check Deposit Promotion, Ideal Credit Union, 8499 Tamarack Road, Woodbury, MN 55125. Mail-in entries must be received by February 22, 2015.
  4. All Ideal Credit Union members 18 years of age and older are eligible, except Ideal Credit Union employees, Board of Directors and Supervisory Committee members.
  5. Random drawings will be conducted each Friday during the promotional period (2/6, 2/13, 2/20 and 2/27) from all eligible entries received for each weekly drawing. Ideal CU will notify winners by telephone using the phone number(s) associated with the winners account (or hand-printed on mail-in entry). Ideal CU members willbe required to complete an Eligibility & Release Form. Such document must be completed within seven (7) calendar days from the date of telephone notification, as determined by Ideal CU. Noncompliance within these time periods will result in disqualification by Ideal CU and an alternate winner will be selected, time permitting. Must be member in good standing and have not caused a loss to Ideal Credit Union.Odds of winning will depend on the number of eligible entries received for each weekly drawing. Entries are not carried over from week to week.
  6. Prizes & Value: One (1) $100 gas card winner and four (4) $10.00 iTunes gift card winners will be chosen at random each week (on 2/6, 2/13, 2/20 and 2/27). Total value of all prizes available to be won is $560.00.
  7. Odds of winning depend on the number of entries received. Winners need not be present to win. Winners will be notified by phone. Prize winners will be featured in credit union publicity and will be asked to complete a publicity release form.
  8. Ideal Credit Union reserves the right to disqualify entries that are incomplete or do not comply with official rules. Decisions are final and not subject to appeal.
  9. Winner will be responsible for all federal, state and local income taxes and may be required to certify their Taxpayer Identification Number on IRS Form W-9 if requested. Winnings are subject to 1099 reporting. This offer is void where prohibited.

©2015 Ideal Credit Union. All rights reserved. Apple Inc. is not affiliated with this promotion.

1.      The promotion will run from February 1 through February 27, 2015.  Members will receive one (1) entry per week into a random weekly drawing for downloading and/or using Ideal CU’s Mobile Banking app to submit a check for deposit through Mobile Check Deposit. Acceptable check types include personal checks, business checks or cashier’s checks drawn on a financial institution located within the United States. Checks made payable to self are not allowed. Limit one (1) entry per use/deposit per week. Entries are not carried over from week to week.

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A New & Secure Way to Pay

Ideal CU has integrated with Apple Pay™, a new category of service that transforms mobile payments with an easy, secure and private way to pay. Apple Pay combines Apple's seamlessly integrated hardware, software and services to create a unique, incredibly intuitive and elegant experience.

Safe & Secure Payments

You can rest assured your payment information will be protected. When adding a card with Apple Pay, your actual credit and debit card numbers are not stored on the device, nor on Apple servers, and cashiers won’t see names, credit card numbers or card security codes.

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Use Apple Pay™ to pay with your phone in participating stores and apps

Make purchases using Apple Pay in the stores you love:

Once your Ideal CU personal and/or small business cash & check card is loaded into Apple Pay, you'll be able to use your phone to make purchases at participating stores. You'll know if a merchant accepts Apple Pay by looking for the two Apple Pay icons (icons ap) near the register. Then, simply place your iPhone® 6 or iPhone 6 Plus over the store's card reader and use your fingerprint to authorize your purchase using Touch ID™.

Use your fingerprint to instantly make purchases in participating merchant apps:

Additionally, you'll also be able to pay with your fingerprint in participating merchant apps. In-app purchases are available on the following devices: iPhone 6, iPhone 6 Plus, iPad Air™ 2 and iPad mini™ 3.

Activating your Ideal CU card for use with Apple Pay

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Step One: Add your card on your iPhone
using PassBook

On your iPhone, open PassBook and select "Add Another Card" under the Credit and Debit Cards section.

 

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Step Two: Input your card details

Input your card information. If your card number is embossed (raised), select the iSight® camera to take a photo of your card and your information will be automatically entered. Next, enter the three digit security code found on the back of your card.

If your card number is not embossed (flat), you will have to enter all of your card information manually.

 

Card verifiedStep Three: Verify your card for use
with Apple Pay

After your card information is submitted and verified, your Ideal CU card will be ready for use with Apple Pay.

NOTE: For security reasons, we may need additional verification to activate your card on Apple Pay. If this occurs, please call us at 800-247-0857 during our business hours and we will assist you.

Still have questions? Read the Apple Pay FAQ.

Apple Pay Frequently Asked Questions

What Ideal Credit Union cards are eligible for Apple Pay?

All Ideal CU consumer and small business debit cards are eligible for use with Apple Pay. Ideal CU credit cards and prepaid cards are not currently eligible for use with Apple Pay.

How do I add my card to Apple Pay?

Adding your card to Apple Pay is quick and easy, simply:

  1. Open Passbook on your iPhone®6, iPhone 6 Plus, iPad Air2, or iPad mini3.
  2. Select "Add a new Credit or Debit Card."
  3. Select the camera icon next to the field labeled "Card Number." This will allow you to take a photo of your card. Next, enter the security code found on the back of your card and fill in any remaining fields.

    NOTE: If your card is not embossed (the numbers are not raised), you will need to enter your card information manually.

Why am I being asked to call the credit union to verify my card?

For security reasons, we may need additional verification to activate your card on Apple Pay. If this occurs, please call us at 800-247-0857 during our business hours and we will assist you.

does Ideal Credit Union charge a fee when I use Apple Pay?

No, there is no fee for using Apple Pay.

Where can I use Apple Pay?

Apple Pay can be used in hundreds of thousands of stores, and the list just keeps getting bigger. If you're at the checkout and aren't sure whether or not the merchant accepts Apple Pay, just look around the register for one of these symbols:
Apple payment symbols

You can view the full list of participating stores on the Apple Pay website.

What does "contactless payment" mean?

A contactless payment is a transaction that doesn't require physical contact between your mode of payment (card or mobile device) and the merchant terminal.

How secure is Apple Pay?

Using Apple Pay is actually more secure than using your physical card. This is because your actual card number is never used or revealed to the merchant.
Even though Apple Pay is proven to be safe and secure, rest assured that:

  • Ideal Credit Union will continually monitor transactions to detect any fraudulent activity
  • Your purchases are STILL protected by Zero Liability*

What should I do if my physical card is stolen?

As always, if your card is lost or stolen, notify Ideal CU immediately at 651-770-7000 or 800-247-0857. In the case of a stolen card, notify the police department as well. Once you report your card lost or stolen, remove the card from Apple Pay on your device. Simply go to Passbook and select "Remove Card." You will need to add your replacement card to Apple Pay once you receive it.

What if my iPhone or iPad® is lost or stolen?

If your iPhone or iPad® is stolen, call us immediately at 651-770-7000 or 800-247-0857 so that we can deactivate your card for use with Apple Pay.

USEFUL TIP: Find My iPhone is an app that you can download to your device. Using this app, you can lock your device remotely wherever you may be. Learn more about this app on the Apple website.

If you still have questions regarding Apple Pay, please refer to the Apple Pay website.

*Certain restrictions apply. Please see www.mastercard.us/zero-liability.html for more details.