Mobile App

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Our mobile app keeps your accounts close at hand

Your life moves fast, and your banking should keep up. With the Ideal CU mobile app, your accounts are always within reach, whether you're heading to work, running errands or relaxing at home. Download the app to manage your money anytime, anywhere, with tools that make everyday banking simple and secure.

Bill Pay

There's never been an easier, more secure way to pay your bills. Make one-time payments or schedule them to be delivered by the due date. You can also track your payment history and sign up to receive your bills electronically.

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Digital Wallet

Connect your Ideal CU credit and debit cards to your device's built-in wallet and make quicker, more secure payments online and in stores.

Mobile Check Deposit

Deposit checks from anywhere without visiting a branch. Just open the app, use your camera to take a couple of quick photos and submit your deposit. If you deposit your check before 3:00 p.m. on a regular business day, your funds will be available the same day.

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Transfer Money

Move money quickly and at no cost between your Ideal CU accounts or accounts at other financial institutions. You can make one-time transfers or schedule recurring transfers based on your needs.

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Card Alerts

Get immediate updates when different types of activity occur on your Ideal CU credit and debit cards by creating text and email alerts. Set up alerts for direct deposit, low balance, withdrawals and various types of purchases. You'll also automatically receive updates about suspicious activity that may indicate fraud.

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Link Your Other Accounts

Bring all your account information from various financial institutions into one place where you can easily view balances and transactions. Here's how to link your accounts on our app:

On Mobile App:

Log in to Digital Banking
Select 'Link and View External Accounts'
Search for your financial and log in using your credentials

Savings Goals and Budgets

Take control of your finances with built-in budgeting and savings tools in Ideal Digital Banking. Create a monthly budget to see where your money goes, find opportunities to cut back and boost your savings. Set personalized savings goals based on your target amount and timeline, then track your progress from both desktop and mobile. To get started, set up your budget and goals using the desktop version. After that, you can monitor everything on the go.

Level up your finances - from your home or on-the-go

Check your account balances anytime, anywhere

Transfer funds between Ideal CU or other banks

Monitor your budget and manage spending habits

Make one-time or recurring payments with Bill Pay

Chat with IDA for quick help by phone or online

Create and track your personal savings goals

What do I do if I forgot my username?

On our homepage, select “Forgot Username” under the login box. Answer the validation questions and follow the on-screen instructions.

What do I do if I forgot my password?

Go to our homepage and select “Forgot Password” under the login box. Agree to the disclosure, answer a few questions and choose how to receive your temporary password - by text or email. Then follow the steps to reset it.

What do I do if there is an issue with my payments?

Call us at 651-770-7000 during business hours (Mon–Fri 8:00 a.m.–5:00 p.m., Sat 9:00 a.m.–12:00 p.m.) or send a secure message through Digital Banking.

Disclaimers

*Google Pay is compatible with NFC- and HCE-enabled devices running KitKat 4.4 and higher. Learn more at https://pay.google.com/about/.
Google, Google Pay and the Google Logo are trademarks of Google Inc.
Detailed setup and usage instructions

Supported Samsung Galaxy devices include Galaxy S6 or later model. Visit samsung.com/pay for a full list of compatible devices.
Detailed setup and usage instructions

Mobile App

Our mobile app keeps your accounts close at hand

Frequently Asked Questions