In order to best serve our members, we have compiled a list of answers and information to frequently asked questions. If you do not see what you’re looking for or have additional questions, please contact a local Member Service Representative.

How do I access my Marine Credit Card account online and pay my bill?

Accessing your Marine Credit Card account is done through the Elan website. Login to view your balance, account information, and pay your bill.

What are the password requirements?

Online Banking password must incorporate the following characteristics:

  1. Contain 9-20 characters
  2. Include letters, numbers and a special character.
    The following special characters are NOT allowed

    •  @ (at)
    •  ~ (tilde)
    •  : (colon)
    •  . (period)
  3. Passwords cannot contain more than four of the same character.
  4. Each new password must NOT be the same as the previous three passwords.

If you have any questions regarding Online Banking password requirements or need assistance setting up your password, please contact a Marine Credit Union representative

How do I reorder checks?

There are multiple ways to reorder checks.

  1. Online Banking
    1. Log into the full site for Online Banking
    2. Select Order Checks on the task bar
    3. Select the Checking account (if you have more than one) click Submit
    4. Select your check style
    a. Choosing a personalized style may incur and additional charge
    b. Any additional products (check registers, checkbook covers, etc) are an additional charge
    5. Complete your order

Check Reorder Form
1. Your check reorder form can be mailed or taken to your local branch

By Phone
1. Contact us with your account information and we can reorder your checks over the phone.

Please be aware there is a shipping charge on all check orders.

How do I reset my Online Banking password if I forgot it?

If you forgot your Online Banking password you can reset it online here. Please note that you must have access to the e-mail that was used when setting up your Online Banking account. If you do not have access to the e-mail account, please contact a local Member Service Representative for assistance.

How do I sign-up for Online Banking as a first-time user?

You can sign-up to begin accessing your accounts online quickly and easily. Simply visit our Online Banking page and follow the instructions for sign-up.

Please note that in order to sign-up for Online Banking you must have an e-mail address on file with Marine. If you did not provide one at account opening or are not sure if an e-mail address is on file, please contact a local Member Service Representative.

How do I access Phone Banking as a first time user?

To access the new Audio Banking system as a first-time user you will need your Marine Credit Union account number (minus any proceeding zeros) and your social security number. Call 800.444.5717 and enter your account number and follow the prompts.
As part of the set up, you will be instructed to create a PIN. The PIN must follow these guidelines:

  1. Be between 6-12 numbers
  2. Cannot begin with a zero
  3. Cannot repeat the same digit more than 3 times

If you have any issues setting up this service, please contact a Marine Credit Union Representative for assistance.

How do I change my address, phone number or email address?

There are variety of ways to change your contact information.

Online Banking

  1. Log into the full site
  2. Select the Services tab
  3. Select Change Contact Information
    1. Enter the information that needs updated
    2. Click Submit

Mobile Banking
You can change your address and phone number through Mobile Banking

  1. Log into the mobile app
  2. Touch the menu at the top left corner of the screen
  3. Select Card Controls
  4. Select your debit card by touching the image of the card
  5. Select the edit (Pencil Icon) for your Billing Address
  6. Update the information
  7. Click Save

By Phone
Just give us a call at 800-923-2780 and we can assist you.

By Mail
You can also mail a request to update your address.

Please include:

  1. Your complete new address
  2. Your signature

Mail to:
Marine Credit Union
PO Box 309
Onalaska, WI 54650

How do direct deposits and electronic payments work?

Direct deposits and electronic payments allow for convenient access to your funds and faster payments. Please ensure you include both the routing number and full MICR number when providing your account information to employers and merchants to avoid processing delays. Please note that each checking, savings, and loan has a unique MICR number, and your membership number should be used for electronic transactions.

You can locate the routing number and full MICR number information within Online Banking under Services or contact us at 1.800.923.7280.

How do I move from screen to screen in the new Mobile App?

Navigation throughout the new Marine Mobile App is now easier than ever! To move from screen to screen, simply select your desired menu from the icon in the top left corner of the app with the three horizontal lines. Some screens also feature an additional red icon in the lower right-hand corner allowing you to jump to related features within the app.

How do I wire money to my Marine Credit Union account?

To wire funds to Marine Credit Union from another financial institution, provide the following information:
Receiver: Marine Credit Union
Address: 811 Monitor St., La Crosse, WI 54603
Routing/ABA#: 275977489
Your Name
Your Address
Your Account Number (Include sub account)
Please note there is a $10.00 service charge on incoming and $20.00 service charge on outgoing wire transfers that will be applied to your Marine account at the time of the wire.

What is Marine Credit Union’s routing number?

Marine Credit Union’s routing number is 275977489.

Where do I find my account number?

Bottom of check, the second set of numbers.

How do I reset my debit card PIN number?

Changing your debit card PIN can be done at any time by calling 1.877.267.6914. Simply have your card number and current debit card PIN ready. You may also stop into a local branch to update your debit card PIN.

How do I order a new debit card?

Mobile Banking
This option can only be used if you currently have a debit card.

  1. Log into your mobile app
  2. Select Card Controls from your menu. There are a couple of options.
    1. If you’re card has been lost or stolen, select:
      1. Mark as lost and reorder
    2. If you’re card has been damaged
      1. Request a Replacement Card by Mail

Visit a Branch
We are able to create a new debit card for you at any of our full service branches.

By Phone
Contact one of our Member Service Representatives at 800-923-7280 and we can assist you in ordering a debit card.


What do I do if I think I have fraud on my account?

If you think you are a victim of fraud or identity theft, please contact us right away at 800-923-7280

Do you finance mobile homes?

Yes, we do mobile homes on lots and land.

Do I have to have an appraisal to refinance my mortgage?

We typically do recommend re-evaluating your home to get an updated snap shot of how much equity you’ve built up with all your hard work, but we do have other methods to evaluate what your home is worth.

How do I file a GAP insurance claim?

If you worked with an MCU Loan Officer and your loan is through MCU be sure to initiate an insurance claim. Your insurance provider will request a Letter of Guarantee from MCU. They can submit that request to MCU will take care of processing your GAP insurance paperwork at that time.

If you worked with the dealership for your loan and opted for GAP insurance, reference paperwork provided to you. If you do not have access to that paperwork, contact the dealership you completed your loan through for assistance.

What do I need to qualify for a home purchase?  What programs are available?

We have flexible options with FICO, income, and creative ways to help with your down payment.

What is your field of membership and how can I qualify?

All persons residing or employed in the following counties: a. Brown, Calumet, Chippewa, Clark, Columbia, Crawford, Dane, Dodge, Dunn, Eau Claire, Fond du Lac, Grant, Green, Green Lake, Iowa, Jefferson, Kenosha, La Crosse, Lafayette, Manitowoc, Marquette, Milwaukee, Monroe, Outagamie, Ozaukee, Racine, Richland, Rock, Sauk, Sheboygan, Taylor, Trempealeau, Vernon, Walworth, Washington, Waushara, Waukesha & Winnebago counties, Wisconsin; b. Allamakee, Cedar, Clayton, Clinton, Dallas, Fayette, Muscatine, Polk, Scott, and Winneshiek counties located in Iowa; c. Rock Island county in Illinois; and d. Fillmore, Houston, Olmsted and Winona counties in Minnesota

How will I receive my title for my car loan with MCU?

Title/lien releases are processed within 30 days after the loan is paid in full. If Marine Credit Union holds your title, it will be mailed to the address listed on your account. If you hold the title, MCU will mail the lien release to the address listed on your account. If another financial institution or a Dealership paid off the loan and have requested the title/lien release it will be mailed to them.

Marine Mobile

Stay on top of your financial progress anytime, anywhere with our mobile banking app. 

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