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What you need

1. Application: A Completed Application for Credit Union Membership must be submitted.
You can complete a Membership Application application by using our Membership Application Form.

2. Initial Deposit: All new Accounts must have an initial deposit of at least $25.00
If you are opening the account in person, at our office, you can make this deposit in person. However, if you are not opening your account in person, you can either submit an Electronic Transfer form, authorizing the credit union to withdraw your initial deposit from another account, or you can mail the check to our office.

3. Identification: You will also need to submit an up-to-date form of Government Issued Identification.

This could be either:

      • NYS Driver’s License or Identification Card
      • US Passport

If your account will have a joint owner, please include identification for them as well.


Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.


Already Have an Account?

Click here to add a new account service. New Service

 

 

Protect Yourself From Check Washing


Check Washing is On the Rise

 

Check washing is a type of fraud where stolen checks are altered using chemicals or solvents to change the payee name and amount, allowing fraudsters to cash them for themselves.

 

  • Use indelible/fraud proof black gel ink when writing checks – it's more resistant to washing.
  • Secure your mail and consider dropping off outgoing checks at the post office or using a secure mailbox.
  • Monitor your bank accounts regularly for suspicious activity and report any discrepancies to MRFCU immediately.
  • Consider using electronic payment methods like your debit card or mobile banking when possible for increased security.

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