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Quick Answers to Your Most Common Questions

MCU Routing’s # 275978721

Wire Transfer Instructions

Wire transfers to Madison Credit Union must first be routed through Corporate Central Credit Union and then to your MCU account.

Corporate Central Credit Union
Routing/ABA: 275082866

Madison Credit Union
Routing/ABA: 275978721

Member Name:                     
Member’s MCU Account Number:                        

*International wire transfers are not guaranteed by Madison Credit Union or its correspondents. 

Online Banking Login for the First Time

Welcome to Online Banking! Once you have asked to set up online banking you will have 24 hours to login for the first time. This helps prevent unauthorized users from accessing your account.

To get started, look for the Online Banking Login button in our menu bar. As a first-time user, your Username = your account number and your Password = the last four digits of your social security number.  Remember this password is good for only 24 hours. If 24 hours has passed then call us at 608-266-4750 to reset your password.

You will then be asked 3 security questions and to choose a new password. Then you are ready go! Once fully logged in, head to the photo icon to the top right of the page and choose Personal Info & Settings to upload a photo of yourself, change your username, security questions or password.  

Remember if you ever need more assistance, don’t hesitate to call us at: 608-266-4750.

How to Reset Online Banking Password

If you are already an MCU online banking or mobile app user, click here to reset your password. If you have already been locked out of your account, call us or email us and we will help you reset your password.

If you have never logged into online banking or the MCU mobile app before and your temporary password is no longer working, call us or email us to reset your password.

Lost Card

Lose your debit card or credit card?

If you have a lost or stolen debit card and the mobile app, you can easily turn the card off until you find it or report it missing/stolen. To report it missing or stolen call us at (608) 266-4750 or email us at creditunion@madisoncu.com.  To learn how to turn your debit card on/off click here.

For a lost or stolen debit card and it’s outside of normal business hours, please call STAR at: 1-800-523-4175.

For a lost or stolen credit card, please call Elan at: 1-800-558-3424

Mobile App

Not to brag, but our mobile app is pretty amazing. It can do everything online banking can do plus  mobile check deposits and more. If you don’t have it yet, you can easily download it from the iOS app store or google play.

apple app store

Reorder Checks

In need of checks? If you are ordering checks for the first time, call us at (608) 266-4750 to get started. If you just need to reorder checks, you can visit one of these two sites to reorder. Or you can stop by our MCU branch and we do it together.

Checks for Less
To login at Checks for Less, you need your checking account number and the next check start number.

To login at Harland-Clarke you will need the MCU routing number (275978721), your account number and your zip code.

Update My Information

Did you move to a new address or change your phone number? Call us at (608) 266-4750 and we can update all of that information for you.

Want to change your username, password or security questions? Login to online banking or our mobile and click your round profile picture at the top right of the page. There you can update your login preferences, your eAlert Subscriptions and more.

Travel or Vacation

Before traveling, we recommend MCU members let us know so location-based transactions are not flagged as fraud. Call us at (608) 266-4750.


If you don’t want to download our app, CU*Talk is a quick way to get some basic banking features on your phone.

Call CU*Talk at 1-800-860-5704 from any touch tone phone to:

  • Review account balances
  • Verify the date and amount of transactions
  • Verify whether certain checks were cleared
  • Transfer funds between accounts
  • Make loan payments
  • Check current interest rates
  • Change your PIN
  • Obtain annual dividend information

To get started…

  1. Call 1-800-860-5704 to access CU*Talk
  2. Enter the credit union access code, 117, then press the # key.
  3. Enter your member number, then press the # key.
  4. Enter your PIN, then press the # key.

Account Suffixes
Sharing Savings – 000
Share Draft/Checking – 075-077
Christmas Club – 025
Special Shares – 003-007

Text Banking

Review account balances for up to three checking and savings accounts.

Enroll in Text Banking by clicking on the Go Mobile button on It’s Me 247. Then simply text MCU at IM247 (46247) to get account balances anytime, anywhere. 
Typing Quick Codes:
BAL – Balance for all accounts
BAL {nick} – Balance for a custom 1-6 character nickname {nick} assigned within online banking.
BAL {#} – Balance for a specific account, {#} is the 3-digit account suffix, ie 077 for checking.
BAL {nick} {#} – Balance for a specific membership and account combo.
STOP – Turns off all text banking.
STOP {nick} – Turns off all text banking for a specific account.
HELP – Customer service number.

Find an ATM or Shared Branch Location

Madison Credit Union is a proud member of the Shared Branching Network. The network offers over 30,000+ surcharge-free ATMs for MCU members and over 5,600 shared branching locations. 

Click here to find a shared branch or ATM closest to you.