Online banking

First-time user?
Click here

Welcome to Marine Credit Union!

On behalf of the team at Marine Credit Union, we would like to welcome you to the Marine family. Your membership at Marine Credit Union comes with the promise of not only receiving customized products, but also one-on-one service from a team who is dedicated to providing you with a personalized and enjoyable experience.

We have compiled important information about what you can expect in the transition of your current services, as well as information on the new services you will have available to you as a Marine Credit Union member.

If you have any questions, please reach out to the friendly staff you know and trust at 515.867.2200 or, call our Contact Center at 800.923.7280.

Please use the links below to explore this important information:

  1. Transitioning Your Current Services
  2. Additional Services Available
    1. Savings Accounts
    2. Home Loans & Mortgage Refinancing
    3. Personal Loans
    4. Auto Loans
    5. Debt Consolidation
    6. Apply for a Loan
  3. Branch Hours & Additional Locations
  4. Questions or Concerns

Transitioning Your Current Services

Shared Branching shared branching logo

As a member of Marine Credit Union, Shared branching will continue to be available. Click here for a list of participating area branches.

Checking Accounts 

Your checking account has been transitioned to either an Interest Bearing or Non-Interest Bearing Account. Information regarding your account transition was mailed on January 27th. Click here for more information on checking accounts at Marine Credit Union. If you have questions on your checking account or regarding your transition to a new account at Marine Credit Union, please contact us at 515.867.2200.

Christmas Club Accounts 

All Christmas Club accounts will be transitioned to Marine Credit Union. As part of that transition, account dividends will accrue quarterly, rather than monthly. All Christmas Club accounts will be disbursed one month earlier on October 1st, providing members additional time for holiday shopping.

New Checks & Debit Cards

Please begin using your new Marine Credit Union checks and debit card effective March 1st. Before your first use, you must activate your new debit card by following the instructions in the letter that accompanied it. Your United Service debit card will no longer be active. Remaining United Service checks can be shredded. If you have multiple boxes of United Service checks, they may be returned to your local branch for free replacement. If by mistake you use a United Service check or if you have a United Service check that has yet to clear after March 1st, the check will still clear.

Credit Cards

The United Service Community Credit Union credit card will continue to work. New cards will not be issued at this time. Credit Card payments may continue to be mailed to the address on your statement or can be paid online by clicking here. To request a copy of your credit card disclosures, click here.

Online Banking

To access the new Online Banking system, you will need your new account number and a temporary password. Your username will be MCU followed by your account number. For example, account 12345 would enter MCU12345. The default password will be set to the first two letters of the primary account holder’s last name followed by the last six digits of your social security number.

Sample Login
Account Number
Username Primary Account Holder’s Name Social Security Number Default Password
12345 MCU12345 John Smith 123-45-6789 SM456789

Click here and enter the username and default password in the Online Banking login area on the main screen. Once entered, click the red ‘Go’ button. You will be prompted to change your temporary username and password to a selection of your choice and will be granted access to your account.

For more information on Online Banking, click here. If you have any questions or would like assistance on the sign-up process, please contact us at 515.867.2200.


Beginning February 26th, all account statements issued will stop being sent by United Service and will be sent by Marine Credit Union. Your new Marine Credit Union account number will be listed on all future statements. Marine statements have been designed to be clean and simple, making your transaction history easy to read.

Click here for a guide on how to read your new statements.

You must be enrolled in Online Banking prior to signing-up for the electronic services listed below.


All February statements will be sent in paper format. Members who received E-Statements at United Service will automatically be signed-up to receive future Marine Credit Union statements electronically, including additional documents and notices pertaining to your account. An e-mail will be sent to the primary e-mail address on file alerting you each time statements have been posted in Online Banking.

For those members who did not receive statements electronically at United Service, we encourage you to utilize this free, secure service in place of paper statements. Your statements will be available online for convenient, secure 24/7 access in your Online Banking account. To start receiving your statements, documents, and notices pertaining to your account electronically, simply follow the instructions below.

  • Log-in to your Marine Credit Union Online Banking account
  • Click on the E-Documents tab
  • Accept the disclosures and click submit

Bill Pay

Payments will be processed through United Service’s Bill Pay system until February 29th. All payments to be processed on March 1st and beyond must be processed in Marine Credit Union’s Bill Pay system. As communicated, payee information will not carry over from United Service’s system.

Follow these easy steps to begin using Marine Credit Union’s Bill Payment system:

  • Log-on to Online Banking and click on Bill Pay in the main navigation.
  • Read the Online Disclosure Document.
  • Accept the disclosure and follow the steps for set-up.
  • Once submitted, the activation process may take up to 24 hours. Once completed, you can then begin setting up merchants, payees and scheduling payments online.

Marine Mobile

Get convenient access to your accounts and the information you need all in the palm of your hand with Marine Mobile. This suite of services allow you to check your account balances, transfer money, view your transaction history, and find the nearest branch and ATM locations. Through Marine Mobile, the following services will be available to you:

  • Mobile App for Apple or Android devices featuring Mobile Deposit and Mobile Bill Pay
  • Mobile Web
  • Mobile Banking

Click here to learn more. You can use all of the Marine Mobile services or choose your favorite.

Phone Banking

To access the new Phone Banking system you will need your account number and temporary PIN number. Your temporary PIN will be set to the last four digits of your Social Security Number. Call 800.444.5717 and follow the prompts to perform transactions or make inquiries at your convenience, 24 hours a day, 7 days a week, 365 days a year, from anywhere.

To learn more about Phone Banking, click here. If you have any questions or would like assistance on the sign-up process, please contact us at 515.867.2200 or call our Contact Center at 800.923.7280.

Branch Hours

Lobby & Drive-Thru:
Monday, Tuesday, Thursday – 8:00 am – 4:30 pm
Wednesday – 11:00 am – 4:30 pm
Friday – 8:00 am – 5:00 pm
Saturday – 9:00 am – Noon

Questions or Concerns

At Marine Credit Union we work hard to meet your financial needs now and in the future. If you would like to tell us about your experience or if you have questions or concerns, we would like to hear from you. We value your thoughts and opinions and appreciate your feedback.

Shawn Hanson, President/CEO

General Contact Information
Call – 800.923.7280
Email –
Contact Center hours are Monday-Friday 7:00 am to 5:00 pm
Saturday 8:00 am to 1:00 pm

See local branch office listings for locations, phone numbers and hours.

: Website and Online Banking Maintenance /Learn more