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Using a mobile device to manage your finances provides a lot of convenience, but can increase your risk for identity theft. Luckily, there are some best practices to greatly reduce these risks.

General mobile banking best practices

  • Password-protect your mobile device and lock your device when it's not in use. Keep your mobile device in a safe location.
  • Frequently delete text messages from Ideal Credit Union on your mobile device, especially if they contain sensitive information (i.e. text banking sessions). SMS Text Banking messages are similar to ATM receipts, offering masked account numbers and no account details.
  • Never disclose personal information about your accounts via text message, i.e. account numbers, passwords, or any combination of information that can be used to steal your identity.
  • If you change your mobile number or lose your mobile phone, send Ideal Credit Union a secured message in Online Banking immediately to change the details of your Mobile Banking profile.
  • Do not hack, 'jailbreak' or modify your device, as this will leave it susceptible to infection from a virus or Trojan.
  • When possible, install mobile security software on your device (if it's available).
  • Be aware that malware exists and fraudulent applications will continue to pop up. Don't download applications onto your phone without checking them out first. If possible, use Ideal Credit Union’s website to download our mobile application.
  • Report any banking application that appears to be malicious to Ideal CU right away.
  • Monitor your financial records and accounts on a regular basis and consider having electronic alerts on account activity sent to your email or mobile device.
  • Bookmark Ideal CU’s mobile web site and only use that bookmark to access the site to avoid phishing.
  • Do not click on links in SMS messages unless you initiated the SMS conversation with Ideal CU.
  • Always use your cellular network when conducting mobile financial services and avoid using unsecure public Wi-Fi networks.

Protect your Online Banking access ID and passcode.

  • Do not store your Online Banking access ID and passcode on your mobile device
  • Do not use your Online Banking access ID and passcode combination in conjunction with other online systems
  • Periodically, change your Online Banking passcode
  • Utilize a diffIdeal CUlt to guess Online Banking passcode including combination of numbers, letters, and special characters, such as: ! @ # $

Protect your mobile device from malware. Malware can pose a significant threat to mobile devices. A malware-infected mobile device can be used by fraudsters to secretly “siphon” confidential information, including Online Banking Access IDs and passcodes from the device.

  • Only download mobile apps from reputable sources and sites
  • Never perform financial transactions using a mobile device that has had its operating system unlocked or hacked (commonly known as “jail-breaking” or “rooting”)—these devices may have a much higher risk for malware infections
  • Consider utilizing a commercial anti-malware application or service with your mobile device

Physically protect your mobile device. If you use your device for managing your finances, it is critical to protect it from loss, theft, or unauthorized access.

  • Enable your mobile device’s screen lock and passcode
  • Do not leave your mobile device unattended in a public place or visible in a car
  • Do not share your mobile device with anyone you would not want to have access to your financial information
  • Consider utilizing a “remote wiping” service that, in the event your mobile device is lost or stolen, provides the ability to remotely erase all of its data

Contact Ideal Credit Union. If you suspect that the security of either your mobile device or Online Banking credentials has been compromised, contact Ideal CU immediately.

  • You can temporarily disable or completely remove access for your mobile device by logging on to Online Banking (www.Idealcu.org), navigating to User Services > Mobile Enrollment, and choosing the desired option from the Mobile Banking Center menu
  • You can contact the Credit Union with any Online Banking questions or concerns, by calling (651) 770-7000, or (800) 247-0857—On-duty staff are able to discuss your security concerns and, upon request, suspend online access to your Credit Union accounts

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Hours Of Operation (All Locations)

Lobby Hours

Mon, Tues, Thurs & Fri
9:00 AM - 5:00 PM
Wednesday
10:00 AM - 5:00 PM
Saturday
9:00 AM - 1:00 PM
Drive-Thru HoursMonday - Friday
8:00 AM - 6:00 PM
Saturday
9:00 AM - 1:00 PM

 

Branch locations

Eagan
Hugo
North Saint Paul
West Saint Paul
Woodbury

Eagan
Address3225 Denmark Ave. Eagan, MN 55121 (Click to View Map)
Phone651-770-7000
800-247-0857
Hugo
Address14750 Victor Hugo Blvd. N. Hugo, MN 55038 (Click to View Map)
Phone651-770-7000
800-247-0857
North Saint Paul
Address2401 N. McKnight Road North St. Paul, MN 55109 (Click to View Map)
Phone651-770-7000
800-247-0857
West Saint Paul
Address1725 S. Robert Street West St. Paul, MN 55118 (Click to View Map)
Phone651-770-7000
800-247-0857

 

Woodbury
Address8499 Tamarack Road Woodbury, MN 55125 (Click to View Map)
Phone651-770-7000
800-247-0857

Eagan
Hugo
North Saint Paul
West Saint Paul
Woodbury

Eagan
Address3225 Denmark Ave. Eagan, MN 55121 (Click to View Map)
Phone651-770-7000
800-247-0857
Hugo
Address14750 Victor Hugo Blvd. N. Hugo, MN 55038 (Click to View Map)
Phone651-770-7000
800-247-0857
North Saint Paul
Address2401 N. McKnight Road North St. Paul, MN 55109 (Click to View Map)
Phone651-770-7000
800-247-0857
West Saint Paul
Address1725 S. Robert Street West St. Paul, MN 55118 (Click to View Map)
Phone651-770-7000
800-247-0857

 

Woodbury
Address8499 Tamarack Road Woodbury, MN 55125 (Click to View Map)
Phone651-770-7000
800-247-0857

Apple Devices – Ideal CU Mobile Banking supports all iPhone devices.

Android Devices – Ideal CU Mobile Banking supports all Android devices with a 1.5 OS and higher.

AT&TSPRINTVERIZONT-MOBILE
 
AT&T
Tilt 8925

BlackBerry
Bold 9700
Bold 9000
Curve 8520
Curve 8300
Curve 8310
Curve 8900
Pearl 8100
Pearl 8120
7130c
8700c
8800
8820

Motorola
Q9h Global
Pantech
Duo C810

Samsung
BlackJack II i617
Epix i907
Jack i637

BlackBerry
Bold 9650
Curve 8350
Curve 8330
Pearl 8130
Tour 9630
7130e
8703e
8830

HTC
Snap
Mogul

Motorola
Q9c

Palm
Treo 800w
Treo Pro

Samsung
i325 Ace

BlackBerry
Bold 9650
Curve 8350
Curve 8330
Pearl 8130
Pearl Flip
8230
Tour 9630
7130e
8703e
8830

Samsung
i770

BlackBerry
Bold 9700
Curve 8320
Curve 8520
Curve 8900
Pearl 8120
Pearl Flip
8220
8700g
8800
8820

T Mobile
Dash 3G
Shadow
Wing

Apple Devices – Mobile Banking supports all iPhone devices.
Android Devices – Mobile Banking supports all Android devices with a 1.5 OS and higher.

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