Mobile Banking App

CFCU Credit Card Manager - Mobile App

Christian Financial is making sure you have access to your finances whenever, and where ever you need them. Introducing the CFCU Credit Card Manager App. Now you can stay up to date on your CFCU Credit Card right from your phone! Through the app you can activate a new card, make payments, report a card lost/stolen or even dispute a transaction. Find out more about how to get the app and take advantage of all the new features below.  

Setting Up Your CFCU Credit Card Manager App

Downloading the App.

The CFCU Credit Card Manager app can be found in the Google Play or Apple iTunes stores, by searching "CFCU Credit". You can also, click one of the icons below to download the app.

 Google Play Store Badge Opens a New Window.   App Store Icon Opens a New Window.

Activate your card.

Once you have downloaded and installed the app on your mobile phone, you will need to activate your card if it is not yet activated. To activate your card, open the app and select the "Activate" button on the home screen. Enter your CFCU Visa card information and click "Next". You will be asked to enter information about the Primary Cardholder. You should then receive a confirmation screen that says "Card Activated Successfully". From here you can begin your registration. 

Click here to view FAQ's about activating your card.

Register your card.

If you have completed activating your card, or if your card is already activated, select the "Register" button on the home screen. After you have read through and accepted the Terms & Conditions, enter the card information and select "Next". You will then be asked to enter security information about the Primary Cardholder. After you have entered the registration information, you will begin setting up your login. You are able to use your same login information as your CFCU Online Banking if you so choose. Please Note: You will not be able to log in using your existing online banking credentials immediately. You MUST go through the registration process with this app before gaining access to your credit card information. Complete the registration by selecting "Save". Once you have completed the registration, you should receive a pop up notification that your registration is complete and to login with your new username and password. 

Click here to view FAQ's about registering your card.

Login to the App.

Once you have activated your card and registered your account, log in to the app. Enter your username and select login. Verify that the security image you selected during the registration process, is the security image that is shown on your screen. Enter your password and select "Submit". You should now be logged into the app and see the Home page.

Click here to view FAQ's about logging in to the app.

Navigating the App

Home Screen

From the Home screen within the app, you are able to manage your credit card, manage your app & credit card settings, report your card lost/stolen, file a dispute, and activate a new card. Tap the icons to access each feature. While using any of the available features, tapping on the small home button in the upper left corner will bring you back to the home screen. 

Credit Card

Selecting the Credit Card icon from the home screen will take you to your account summary. From here you should see pertinent information about your credit card account including:Credit Cards icon

  • Current Balance
  • Statement Balance
  • Available Credit Limit
  • Minimum Payment
  • Payment Due Date
Also from the Account Summary screen you are able to make a payment to your CFCU credit card, view transactions, and view your payment history.

To make a payment on your credit card, select "Make A Payment." The Make a Payment screen will allow you to choose the amount you would like to pay on your card. Your current balance, statement balance and minimum payment amount will prefill for your selection. You can also choose to pay a different amount by selecting "other." Select where you want to make your payment from. Please Note: If you would like the option to make payments through the mobile app, you will have to set up a Payment Source under "Settings" before you are able to make payments. You are able to make payments from accounts at CFCU or from other financial institutions through this feature. Select the date you would like your payment to be made. Once you reach the Payment Summary screen and tap "Agree" a confirmation window will appear with a confirmation number. 

To view your transactions select "Transactions" from the Account Summary screen. From here you are able to filter your transactions by clicking on the magnifying glass. You can also view specific transaction details including Amount, Transaction Date, Posted Date, Merchant, Merchant Category, Location, and Transaction Number. 

Click here to view FAQ's about the Credit Card feature

Selecting the settings icon will give you access to your app settings. To update your email address or phone number associated with the mobile app, select the "Profile Settings" button. Please Note: If you change your phone number or email address in the CFCU Credit Card Manager app, it does not change the phone number or email address CFCU has on file for your accounts. You can also change your password and change your security questions from the "Settings" screen.
Credit Cards Icon
To be able to make payments to your credit card from within the mobile app you will have to add in a Payment Source. This can be found in the Credit Card Settings. Personal data associated with your card are view only and cannot be changed. Enter your full checking and/or savings account number and institution routing number. Tap save to complete your changes.

From the Credit Card Settings screen you are also able to add or delete CFCU Visa Cards to/from your mobile app. You will only be able to add CFCU Visas that you are associated with. To add another card to your profile select "Add" from the top right of your screen. Please Note: A card can only be added to one user profile. Enter the card information and select Next. You will be asked security questions about the card and Primary Cardholder.

To delete a card from the mobile app select the card from the upper left corner of the Credit Card screen. Select the card you want to remove and tap "Delete Card". The Remove Card screen will appear, select "Remove Card".  You will receive a success window confirming card has been removed.

Click here to view FAQ's about the Settings feature

Lost Card

Credit Cards IconFrom the Home Screen you are able to report your card Lost/Stolen. To report your card Lost/Stolen select the "Lost Card" icon. Select the card and then the date you believe the card was lost or stolen. A transaction review screen will appear and will include transactions from 3 days prior to the date you selected. If any of the transactions listed look or are fraudulent, select them and tap "Next". Answer the following questions to the best of your ability. Once you have answered all of the questions you will see a Summary page that will include the information you just entered. After clicking submit you will be asked to confirm that your card will be permanently deactivated once you select submit. You will then receive a confirmation page and a confirmation email will be sent to the email address listed in the app. 

Click here to view FAQ's about the Lost/Stolen feature


Credit Cards IconTo dispute a transaction on your CFCU Visa, select the "Dispute" icon from the home screen. A list of cards associated with your mobile app will display. Select the card on which the transaction occured. From the listing select the transaction you want to dispute. A check mark will appear next to the transaction selected. Tap "Next" and select the reason you are disputing the transaction. You can also add additional notes to your selection at the bottom of the screen. Tap "Next" and a summary screen will appear with the information you have selected as well as any additional notes that were added. Once you tap on Submit an Alert screen will appear verifying you want to proceed with the dispute. Tap "Yes" if you want to continue. You will then receive a confirmation window and a confirmation email to the email address listed in the app. 

Click here to view FAQ's about the Dispute feature

Card Activation

Card activation iconTo activate new CFCU Visa cards, select the Card activation icon. Enter the card information and tap "Submit". You will then have to answer verification questions about the Primary Cardholder.  Once you have answered the verification questions, you will receive a "Card Activated Successfully" screen. If you want to have access to your card through the mobile app you will need to add your card information to the app. Tap "Add Card" and you will be taken to the "Settings > Add Card" feature. Follow the steps to add the card to the app. 

Click here to view FAQ's about the Card Activation feature

CFCU Credit - FAQ's

Setting Up Your CFCU Credit Card Manager App.
Why won't my card activate through the CFCU Credit Card Manager App?

First, verify that all of your information is correct. If you are still having trouble activating your card, you are able to activate the card by calling the number on the front of your card, then register and add the card to the app after activation. Please note: if you have not made a payment or your card is reported lost/stolen you will not be able to activate your card through the mobile app. 

If I register for the CFCU Credit Card Manager App with my new card, do I still have to activate it?

Yes. The application will allow you to register using the new card information, but that does not automatically activate your card. You can select to activate the card from the opening screen by selecting the "Activate Card" button, or you can select the "Card Activation" icon from the home screen once you have logged in. 

Can I use my CFCU Online Banking login and password?

The CFCU Credit Card Manager app will not automatically choose your Online Banking login credentials for you. While registering for the app, you can choose to use the same login and password. Please remember that being registered for CFCU's Online Banking or our Mobile Banking App does not automatically register you for the CFCU Credit Card Manager App. 

Why won't the app let me use my Online Banking login information?

You must first register for the CFCU Credit Card Manager App prior to logging in for the first time.

What are the username and password requirements?

Usernames must be between 6 and 16 characters containing both letters and numbers. Passwords must contain at least 8 characters consisting of at least 1 capital letter, 1 lowercase, no spaces, and 1 number/special character.

How many times can I try to login before I get locked out?

The CFCU Credit Card Manager App will allow you three (3) attempts to login before getting locked out. If you are locked out of the app you will need to contact us at 586.772.6330 to be unlocked. For this reason, we ask if you attempt two (2) times to login and are unsuccessful, please use the "Forgot Username" or "Forgot Password" options. These will send an email to the email address you used to register for the app. Please note: the email address in the app is one that you enter, which may not be the same email address we have on file for you. 

Navigating the App.
How long will it take my payment to be applied to my credit card if I make a payment through the app?

Payments made through the credit card app are paid via ACH. It may take up to 3 days for your payment to be reflected in the app and online.

I share a credit card with another person, but when we try to add the card into our apps it gives one of us an error?

The CFCU Credit Card Manager app will allow for one person on the credit card to have access to the card within the app. 

How do I change my password or security questions?

Sign on to the Credit Card Manager app and from the Home screen, select Settings button. You will be guided thru the change process.

What if I forget the answer to my security question?

Please call the phone number on the back of the card.

General FAQ's
I'm not an Online Banking or Mobile Banking User, can I still use the CFCU Credit Card Manager App?

Yes, there is no need to be an Online Banking user to use this service. If you’d like to enroll for online banking as well, please click here to Enroll to Enroll to enroll.

How much does this service cost?

There is currently no charge from the credit union associated with the service. However, there may be charges associated with data usage on your phone. Check with your wireless phone carrier for more information.

Is it secure?

Yes, the CFCU Credit Card Manager app service utilizes best security practices such as HTTPS, 128-bit SSL encryption and site time-out when the session expires. In addition, no account data is ever stored on your phone. And in the event your phone is lost or stolen, the service can be immediately disabled by calling the number on the back of your card, visiting or calling us at 586.772.6330. 

Which wireless carriers are supported?

We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon.

Do I need a data plan?

A data plan is typically needed when you want to use the app when Wi-Fi is not available. Please check with your wireless carrier for more information.

What happens if I get a new phone or change phone numbers?

Simply reinstall the app and start using it.

What if my device is lost or stolen?

There are no special arrangements necessary to suspend the app or card.

If you have questions or need assistance with the CFCU Credit Card Manager app please contact or call us at 586.772.6330. Don't have a smartphone? You can take advantage of our new credit card text banking. Text banking allows you to check your current account balance, recent transactions, and payment history just by texting a shortcode to 72488. Click here for text banking codes for text banking codes for text banking codes. To access text banking select your credit card from the "Accounts" tab in online banking. Go to Communications then select Member Alerts.