BANKING MADE EASY
No matter where you live or work, accessing Merck Employees Federal Credit Union is just as easy as a click of your mouse or visiting a shared branching location.
Here are some of the convenient ways:
Home Banking
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Click on the Shadow 1 icon through the home page and check your balances, transfer funds from savings to checking or between accounts, view check images, apply for a loan and pay bills online.
Shared Branching
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Log onto www.cuservicecenters.com to locate credit union offices to make deposits and withdrawals. There are over 3,400 locations in the United States.
Checking - No cost/interest bearing
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Free box of checks up to $10 value
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Overdraft Protection
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Check images available online up to 90 days
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Visa Check Card
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Use as a debit transaction to get cash back
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COMING SOON ON YOUR VISA CHECK CARD
MEMBERS Financial Services
ONCE A MEMBER ALWAYS A MEMBER
Are you planning to purchase a home in the future? 
Do you have any questions regarding your current mortgage?
Are you thinking about refinancing?
Think your current Mortgage Rate is too high?
To apply for a mortgage today, click here. All applications must be sent to the secured fax number on the form.
Miriam Rodriguez is available to answer all your questions and concerns regarding a new mortgage or your current mortgage. Please feel free to contact her at 732-594-6012.
YOU CAN NOW MANAGE YOUR MERCK EMPLOYEES FEDERAL CREDIT UNION CREDIT CARD ONLINE
In order to prevent fraud, you can now track your credit card activity online 24/7 by logging onto a secured website, www.ezcardinfo.com. If you have not enrolled for online services, you must sign up first in the upper left hand side. The website allows you to PAY YOUR BILL DIRECTLY ONLINE. Payments authorized prior to 2:00 PM EST are posted the next day. This is a faster, with lower costs, and more convenient way to pay your bill. Other features on the site include checking available credit, viewing past and current statements, setting up alerts, downloading data to Quicken or MS Money and more.
CROSS ACCOUNT TRANSFERS AND OVERDRAFT PROTECTION
With Cross Account Transfers, you can transfer funds from your credit union account(s) to any other designated member's account(s).
With Overdraft Protection, it will automatically transfer funds in $100 increments from account(s) you want available funds transferred from to cover the overdrafts. There is a $1 per transfer service charge.*
To locate the forms, click on "Forms" in the upper left hand side and click the appropriate form to download. After completing, please send it to the Credit Union for processing.
*Note: Federal regulations allow a maximum of 6 withdrawals per month from savings not made in person. This includes Overdraft Protection and Cross Account Transfers. Make unlimited withdrawals from checking and unlimited withdrawals from any account made in person.
CREDIT UNION INFORMATION
PROTECT YOUR CREDIT UNION PLASTIC CARDS BY SIGNING UP FOR VERIFIED BY VISA AND MASTERCARD SECURECODE
The Verified by Visa and MasterCard Secure Code programs are security services provided by your credit union and the card companies at no charge to you. Verified by Visa covers the Visa Platinum credit cards and the Visa Check cards and MasterCard SecureCode covers the MasterCard credit cards. Both security programs protect your cards against Internet fraud and helps ensure that only you can use them online. As a credit union card carrier, you must register your cards right away. To sign up for Verified by Visa, Click here and to sign up for MasterCard SecureCode, Click here.
ALL CREDIT UNION ACCOUNTS ARE INSURED UP TO $250,000
With the passage of the Emergency Economic Stabilization Act of 2008, your accounts at the credit union are now insured up to $250,000.
