Online 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

Mobile Banking

If your device doesn't support the Ideal CU Mobile Banking App or you don't want the app installed on your device, you can still enjoy mobile banking by using your mobile web browser

With FREE Mobile Banking, you'll be able to:

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

Access Mobile Banking
Set up Mobile Banking on your device
Mobile and Text Banking FAQs

Text Banking

Don't have a smart phone? Text Banking allows you to receive current balance and recent transaction information instantly by text message - no internet connection required. 

With FREE Text Banking, you'll be able to:

  • View account balances
  • View account details / history

Enroll in Text Banking
Text Banking Commands
Mobile and Text Banking FAQs

Mobile Security Tips

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

What to do if your Mobile or Online Banking security has been compromised

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 (, 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

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.