Updated 8/20/20: Our Tech Square branch is open by appointment: Mon, Tue, Wed, and Fri 8:30 am - 4:30 pm, and Thu 8:30 am - 5:30 pm.  Our Lincoln Lab branch is open Tue and Wed, 8:30 am - 4:00 pm. Please call 617-253-2845 for an appointment. Please visit MITFCU.ORG/COVID19Support for more information.

Our Lincoln Lab branch will closed for the entire week of Thanksgiving and will reopen for regular hours on Tuesday, December 1st at 8:30 am.

Mobile Apps

Empower your smartphone with MIT Federal Credit Union's Mobile App so you can manage your finances anytime, anywhere.

  • Access account balances in real-time and monitor activity
  • Pay bills from your smartphone
  • Deposit checks quickly using Remote Deposit
  • Transfer funds between accounts
  • View your transaction history
  • Locate surcharge-free ATMs or contact us
  • We offer Finger Print Authentication to log in to our mobile app. No need to remember passwords and your log in will be as unique as your fingerprint! 
  • Send, request and receive money from just about anyone with an email or mobile phone with Mobile POP Money.

How do I get the app?

App Store
Download for iPhone/iPad Available on the App Store

Google Play
Download for Android Android App on Google Play

Log in with your e-Branch credentials.

Mobile Apps FAQs

What do I need to use the app?

  • iPhone 3GS or higher
  • iPod Touch 4G or higher
  • iPad
  • Smartphones and tablets with the Android 2.3.3 Operating System or greater

Note: Low density screens (240wx320h) are not supported

Are there fees to use the app?
The app is free to download and use, though message and data rates may apply from your wireless carrier.

Do I have to enroll in e-Branch?
Yes. You will need to log in from a desktop or laptop and create an e-Branch user ID before using the app.

After how many incorrect log-in attempts will the app be locked?
The app will lock after five incorrect attempts. Call us to unlock your e-Branch account in order to log in.

Will my session time out?
Yes. For security reasons, the app times out after five minutes of inactivity.

Can I still download the app if I have an international phone number?
Yes. Please call us at 617.253.2845 and we will assist you in the authentication verification process.

What security measures protect my transactions?
Our app utilizes 128-bit SSL encryption end to end to help protect your information. The app does not store any information on your device.

How do I make my mobile device as secure as possible?
Activate the screen lock function with a password that only you know. Treat your mobile device as you would a computer: Research Mobile Malware protection, and be cautious about texts or emails sent to your mobile device. When your phone is not in use, disable Bluetooth and Wi-Fi and make sure to only use trusted Wi-Fi access points.

How can I be sure my app information is secure if my mobile device is stolen?
You will be required to enter your MITFCU username and password each time you log

in to the app. If your mobile device is stolen, no one can access your app without your username and password. However, you should know how to remote wipe and remote lock your device in case it is ever stolen, or deactivate your device through your wireless service provider.

If your mobile phone number is used to verify your identity, remove it as an option until you have a new mobile device. Also, change your e-Branch password as an extra layer of security.

What is Remote Deposit?
It is a feature within the Mobile App that allows you to take a picture of an endorsed check and send the images electronically to MITFCU for deposit.

Is it available on all iPhone, iPad, and Android devices?

Are there fees for using Remote Deposit?

Is Remote Deposit secure?
Yes. It is protected by 128-bit SSL encryption technology to protect your financial activities within the MITFCU Mobile App. You can only use Mobile Remote Deposit Capture by logging in to the MITFCU Mobile App with your username and password.

When will my deposit be processed?
Once we receive a check image(s) to review, we will ensure that everything is in order and release the item(s) for processing. Once released, you will be notified via email that your deposit has been accepted and it will be deposited during our noted business hours. Deposits received before 4pm on a business day will be credited the same day, deposits after 4pm will be credited the next business day. Deposits beyond $1,000 require a longer review period before funds are made available.

Do I need to use paper deposit slips when using Mobile Remote Deposit Capture?
No. Simply take a picture of the front and back of the check and submit it for deposit.

Are there any types of checks that cannot be submitted using Remote Deposit?
These items cannot be submitted:

  • Any item drawn on my account or my affiliate's account
  • Any item that is stamped with a "non-negotiable" watermark
  • Any item that contains evidence of alteration to the information on the check
  • Any item issued by a financial institution in a foreign country
  • Any item that is not in U.S. currency
  • Any item that is incomplete
  • Any item that is "stale dated" or "post dated"
  • Any third-party check, e.g., any item that is made payable to another party and then endorsed to me by such party

Can I export, save and print images of deposited items?
MITFCU currently cannot provide images or history of your deposited items. You will see the amount of your deposits in e-Branch and on your monthly statement.

Is there a limit to the amount I can deposit in one day or one month?
Yes, the per item limit is $5,000; the daily deposit limit is $10,000; and the rolling 30-day deposit limit is $50,000.

How do I get the best image of the check?
Place your check on a dark background in a well-lit area. Ensure all edges of the check fit in the box and then take the picture.

How long should I keep the original check(s) after I scan and deposit them?
You are required to store the original check(s) in a secure area for 60 days after the deposit. After 60 days, you agree to destroy the original check(s).

How will I know if there’s a problem with my deposit after I submit it?
You will be notified via email of any problems. Please notify MITFCU of any changes to your email address. Also, check your account history after you submit your deposit to ensure that it was successfully received and submitted.