Online Account Services

I. Account Opening

1. Open a New Membership (online process)

2. Open a New Membership for Non-US Citizen (online process) [FOR NON-US CITIZENS ONLY]

3. Add Additional Savings Account to Existing Membership (online process)

4. Open a Payable on Death Account (online process)

5. Open a Checking Account (existing members only — online process)

6. Open a Custodial Account (NJ UTMA)

7. Open a Share Certificate (online process)

8. Open an IRA Certificate [Roth or Traditional] (online process)

9. Open a Traditional IRA (online process)

10. Open a Roth IRA (online process)

II. IRA Account Requests

See also Retirement Central

1. IRA Charitable Distribution Request (online process)

2. IRA Charitable Distribution Request Form

3. IRA Withdrawal Form (online process)

4. Traditional IRA Contribution Form (online process)

5. Roth IRA Contribution Form (online process)

III. Wires Out

Step One:

Complete a wire agreement with the credit union. This form must be completed and signed with a pen and not electronically. This should then be emailed to wires@merckefcu.com, brought to any branch location or mailed to the credit union at 397 Upton Place, Rahway, NJ 07065.

Step One only needs to be completed once. If you already have a wire agreement on file, please skip to step two.

Click here to download the form.

Step Two:

Complete a wire out transfer request online using the below link. Or you can visit any branch location or mail the completed request form to the credit union at 397 Upton Place, Rahway, NJ 07065.

• Wire Out Transfer Request (online process)

• Wire Out Transfer Order (paper form for mailing or bringing to a branch)

For Wires in, please see the below instructions.

• Wire In Instructions

IV. Online Account Requests

1. Add a Joint Member (online process)

2. Wire Out Transfer Request (online process)

3. Debit Card Application (existing members with checking accounts only — online process)

4. Overdraft Protection (existing members only — online process)

5. Cross Account Transfer Request (existing members only — online process)

6. Owner or Joint Owner Removal (online process)

7. Add or Change Account Beneficiaries (online process)

8. Add a Trust as a Beneficiary on Your Accounts

9. Stop Payment Order (online process)

10. Stop Preauthorized Withdrawal (online process)

11. Account or Membership Closure Request (online process)

12. Member Request Form (online process)

13. Address Change Request (online process)

14. Unauthorized ACH Transaction (online process)

V. Loan Forms

1. Home Equity Advance Request (online process)

2. Home Equity Advance Request Form* (PDF-new window/tab)

VI. Credit Card Form for Existing Accounts

1. Credit Card Authorized User Request (online process)

2. Apply for another credit card, increase credit line or add an authorized user (PDF-new window/tab)