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Mobile Banking

Your finances at your fingertips

IC’s mobile banking is always available, no matter where you are, no matter what time. We also leverage the latest security innovations to ensure the highest level of protection for your finances. With just a few swipes and clicks, you can safely:

  • Access your Mobile Wallet via Apple Pay™, Samsung Pay, and Android Pay™
  • Send secure electronic payments to anyone using our People Pay service
  • View, transfer, and deposit checks with Touch ID for iPhone
  • Deposit checks from your Smartphone or iPad devices*
  • Pay bills and manage payees
  • Set up alerts
Now available in the More section of our mobile app

Digital Chat

Go to More → Help to chat with an IC representative if you have a question while logged into mobile banking.

Digital Receipts

  • Capture receipts by taking a photo, email, or enter manually
  • Create folders to keep track of receipts
  • Export receipts
  • Create reminders for returns and warranty expirations

Navigation Links

  • Apply for a personal loan or credit card
  • Apply for a mortgage or home equity
  • Check points and win prizes with our debit reward program
  • Donate to your favorite charity through our Charitable Giving program

Financial Calculators

  • Auto Loan Calculator
  • Home Loan Calculator
  • Credit Card Calculator
  • CD Calculator
  • Savings Calculator
  • Email the Calculation Results—All Calculators

Device requirements 

Carrier SMS Terms and Conditions

*Deposits can take up to 3 business days to be available but small amounts are deposited the same day, except on holidays and weekends.

Disclosure: Funds from an item deposited through Mobile Deposit may become available as soon as the deposit posts to your account. Due to new banking regulations and for your protection and security, the following verbiage must be used to endorse all checks made using Mobile Check Deposit: “For Mobile Deposit Only at IC Federal Credit Union”

Mobile Banking

Banking On the Go

SecurLOCK Equip
The power to protect your credit and debit cards in your hands
Mobile Deposit
Deposit your checks using your smartphone and get your funds the same day
Premium ATM Locator
Locate all surcharge-free ATMs—NYCE, SUM, and COOP

How to Enroll

step-icon
Sign in to your online banking account

Or Contact Us

If you have any questions left

Main Office

Address
300 Bemis Road, Fitchburg, MA 01420

Phone
Main Office (800) 262-1001

Get in touch with us





    FAQ

    Introduction and Registering

    SecurLOCK Equip is a mobile app that allows you to control how, when, and where your debit and/or credit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCKEquip can help keep your payment cards safe and provide instant notifications whenever your card is used.

    SecurLOCK Equip requires you to have a credit and/or debit card account issued from your financial institution. You will also need an Apple or Android smartphone. After downloading the app, you will be instructed to enter your full card number followed by additional authentication information. Once registered, you can begin using the app immediately.

    SecurLOCK Equip is available on both Apple and Android mobile devices. If you have an iPhone, you can download the app from the Apple store. If you have an Android phone, you can download the app from the Google Play store. Once the app has successfully downloaded to your mobile device, you can begin the card registration process.

    No. It is provided to you at no cost so you can have more control over your card.

    There is no limit as to how many cards you can register. However, we recommend registering no more than 20 cards to a single profile. Any more than the recommended number may affect app performance. The card(s) must have been issued from your financial institution.

    Debit and credit cards can be registered as long as they have a 3-digit CVV key. Normally, ATM cards are the ones that do not have this code, therefore are ineligible for registration.

    • Android, OS version 5.0 or later
    • Apple, iOS version 9.0 or later

    Please use the Contact Us button at the bottom of the landing page and one of the support agents at your financial institution will be more than happy to assist you.

    Your email address is needed in case you forget your password and need to reset it using the Forgot Password link.

    Controls & Alerts

    You can begin using the service immediately following registration. When turning the card off, the little green button in the top right corner of the card image will turn red. This means that all transactions (except recurring) will be declined. When ready to make a purchase, you can turn the card back on instantly. In addition to the card on/off function, you can start selectively setting controls and alerts by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spend limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts, and much more.

    A real-time alert is an immediate push notification sent to the app. You can select to be alerted on all payment transactions or you can choose just to be alerted for selected transactions. Alerts are available by spend limits, location, transaction type, and/or merchant category.

    No. Using card controls does not change the status of your account.

    Controls and alerts come into effect immediately after you save your preferences.

    Yes. Recurring transactions or auto-pay will be approved while your card is turned off unless recurring transactions have been turned off prior to your card being turned off.

    Yes. My Location, My Regions, and the International card control can be used in conjunction with one another.

    You can see which card controls were invoked in order to decline a transaction within the app. Once you are logged in, tap on Recent Transactions. Find the one that was denied and open it, tap the image so it flips, and the control(s) that were evoked during the authorization will be listed near the bottom.

    Please note: The transaction could also be declined because of external factors like insufficient funds or fraud monitoring. SecurLOCK Equip will not display these external factors. For more information on why a transaction was declined for reasons other than SecurLOCK Equip card controls, please contact your financial institution.

    Alerts let you know every time a card transaction is attempted. You can choose to be alerted for all, or individually selected transactions. Selected alerts are also available by location, transaction type, merchant type, and threshold amount.

    Only the Primary Device will receive alerts. Use the settings menu in the app to set your device as the Primary Device. Another common reason for not receiving alerts is due to your mobile device’s notification settings for the SecurLOCK Equip app. If notifications are turned off at the operating system level for the app, SecurLOCK Equip will not be able to deliver alerts to your device. If additional assistance is needed, the support agents at your financial institution will gladly assist you.

    Managing the APP

    Simply download the app to your new smartphone and log in with your current user id and password. Your control preferences will remain in place, but your alert preferences will need to be reset.

    When your card is reissued with a new card number, you will need to add the new card to the app via the standard registration process. This can be done by going to Manage Portfolio and tapping Add Card. Be sure to unmanage the old card. If your card is reissued with the existing card number, you will not need to add it to the app again.

    There is a Help function within the app, as well as a Contact Us section where you can send an email to your financial institution.

    The last 50 transactions will display in the app for thirty calendar days.

    Some merchants send pre-authorizations at higher amounts to test cards’ validity. For example, a $25 gas purchase might display as $26. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the charge is listed in the app for more, it will clear your account for the correct amount.

    To select the card(s) you wish to manage, go to Settings and choose Manage Portfolio within the app. Then, uncheck the card(s) you don’t want to manage. Once a card is unmanaged, controls and alerts cannot be set for that card. Cards can be (un)managed at any time.

    Press the icon that has three stacked lines to reach the menu. This icon is usually found in the top right corner.

    A Help icon can be found at the bottom of the login page and listed in the menu. On specific pages such as the My Location page, tapping the i will open a window with detailed information on how the control works.

    You can log in with Touch ID on both iOS and Android devices that support this functionality. Additionally, Face ID can be used on supported devices as well. If your mobile device does not have the capability for login using Fingerprint or Face ID, you will be offered the option of setting up a numerical passcode. Additionally, if you own a biometrics-capable device and would prefer to use a numerical passcode, you may be able to turn off biometrics specifically for the SecurLOCK Equip app on your mobile device. This depends on the Operating System that you’re running on your mobile device.

    A password is required to log in to the app. Additionally, the app does not store personal information on your mobile device and will only ever display the last four digits of your card number.

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