For a complete list Extra Credit Union ATMs or surcharge-free CO-OP ATMS, click here.

Please be patient with us. We will do our best to minimize the inconvenience to you.

Sample Online Banking Platform

Never click more than you need to!
The major difference you will notice is that you will be able to log in directly on our homepage ExtraCreditUnion.org. This means faster, easier access to all of your Extra Credit Union accounts. Please note that any Online Banking downtime will now be an alert on the homepage (ExtraCreditUnion.org).

Sample Online Banking Login

You can see Account Detail by clicking on "Account Info" on the History page. See the example below.

Account Info Link/User Options/Masked Account Number

Your security is our top priority!
This update is still absolutely secure, but as a standard precaution, we will be enforcing new criteria in member password strength. If you do not meet the new criteria, you will be prompted to update your password upon login.

This criteria includes:
Password Length 6-8 characters
Special Characters Must have at least one (1)
Numbers Must have at least one (1)
Cannot contain leading or trailing blanks

Your account number will be masked within Online Banking for extra security.

Last, but not least!
For the purpose of efficient member communication, we will ask that you provide us with your e-mail address periodically. Rest assured, your e-mail address will be kept secure and will not be shared with any outside persons or companies. You also won't be bombarded with tons of e-mails from us!*

We hope you enjoy our beautifully updated online banking system and find that it meets all your banking needs while keeping your life as simple as possible. We remain dedicated to providing the best products and services to our members and look forward to a continued relationship (online and in person!) moving into the future.

More information will be updated as it becomes available. If you have any questions, please call us at (586) 276-3000.

*Your e-mail address will be used for the purpose of member e-mail communication. You will have the ability to opt-out by calling us at (586) 276-3000 or clicking on the opt-out link at the bottom of an Extra Credit Union e-mail.

Last updated: March 9, 2010

To view all of our holiday hours and closings, please click here.

To view all of our holiday hours and closings, please click here.

For a petition and further instructions, contact Executive Secretary Kerry Hitchcock at (586) 276-3000.

The signed petitions must be mailed to:
Extra Credit Union
Attn: Kerry Hitchcock
6611 Chicago Road
Warren, MI 48092

According the Extra Credit Unions bylaws, if only one person is nominated for each director position, no ballots will be mailed and no nominations will be accepted from the floor at the Annual Meeting. In that case, the nominees will be elected by acclamation. If more than three candidates are nominated and an election is required, official ballots will be mailed to all members in January 2010.

We apologize for any inconvenience this may cause you.

We apologize for any inconvenience this may cause you.

To view all of our holiday hours and closings, please click here.

*Standard text messaging rates do apply.

To view all of our holiday hours and closings, please click here.

For more information, please visit the Make it in Michigan web site.

Extra Credit Union does not necessarily endorse or support any of the views expressed within this article.

If you have any questions, please contact us during business hours at (586) 276-3000 or toll-free at (877) 638-7628.

Current Bill Payment Members:
You will be unable to access your bill payment account from March 17-19
There will be no interruption to previously scheduled payments during this downtime
Schedule any payments that need to be processed during the downtime before March 17th
The look and feel of the site will be changing to make navigation more user-friendly

Non Bill Payment Members:
Bill Payment registration will be disabled from March 16th until the live date**
If you would like to register for this exciting new product, please be sure to sign up after March 19th!

To learn more about how Bill Payment and Presentment works and everything it has to offer, please view our interactive demo!**

Click here to see a comparison of the current bill payment product and the all NEW Bill Payment and Presentment.

If you have questions, or want more information about Bill Payment and Presentment, please call (586) 276-3000 or (877) 638-7628.

The appropriate steps are being taken, including contacting Apple, in an effort to shut the application down.

Please remember that, as a member, you are able to locate CO-OP Network Surcharge Free ATMs by sending a text message including the address, intersection or zip code to 692667 (MYCOOP) from any mobile phone. There is no fee for this service; however, standard text messaging rates apply.

In any e-mail you receive from Extra Credit Union, there will be an authentication code located at the end of the last sentence, prior to the closing salutation. The authentication code will be the last four digits of your home contact number that we have on file. For example, if your phone number is (123) 456-7891, then your e-mail will read as follows:

Authentication Code: 7891

It is important to contact Extra Credit Union at (586) 276-3000 if any of the following applies to you:

• If you dont recognize the 4-digit authentication code number.
• If the 4-digit number reflects another number of yours, but is not your home phone number.
• If the 4-digit number is 0000, this means we do not have your home phone number on file.

If you receive an e-mail from us without the authentication code, we encourage you to call us at (586) 276-3000. Our Call Center Representatives can verify if the e-mail is authentic.

To read more about phishing, and other scams, please click here.

• Thursday, November 27th, 2008
• Friday, November 28th, 2008 (Open until 5 p.m.)
• Wednesday, December 24th, 2008
• Thursday, December 25th, 2008
• Wednesday, December 31st, 2008 (Open until 2 p.m.)

For a petition and further instructions, contact Executive Secretary Kerry Hitchcock at (586) 276-3000. The signed petitions must be mailed to Extra Credit Union, Attn: Kerry Hitchcock, 6611 Chicago Road, Warren, MI 48092.

According the Extra Credit Unions bylaws, if only one person is nominated for each director position, no ballots will be mailed and no nominations will be accepted from the floor at the Annual Meeting. In that case, the nominees will be elected by acclamation. If more than three candidates are nominated and an election is required, official ballots will be mailed to all members in January 2009.

As you know, there is a small fee to make a withdrawal at the service center. This fee will remain the same; however effective December 1, 2008, we will begin to process this fee differently on your account.

Previously, this fee was posted to your savings account on a monthly basis. Beginning in December fees will be posted to your savings account on a daily basis. This fee will always be deducted from your savings account the next business day regardless of the account type from which the withdrawal was made, such as a checking or money market account. If you make multiple withdrawals in one day, you will see a fee for each withdrawal posted to your account. For example, if you make two withdrawals at a service center in one day, you will have two fees of $1.50 each deducted from your savings account the next business day.

If you have questions regarding service center fees or need additional information, please call Extra Credit Union at (586) 276-3000 or 1-877-638-7628.

Online Banking same great features, new look and feel!

You will notice a new website address at the top of your browser window

 

o Old website address

 

https://www.metroconnect.org/onlineserv/HB/Signon.cgi

 

o New website address-

 

https://www.extracreditunionhb.org/onlineserv/HB/Signon.cgi

 

o Please note if you previously had this page bookmarked you will need to update your links.

Enhanced Login Security Reset

o As a result of the name change ALL Online Banking Members must re-enroll in Enhanced Login Security.

 

o After the updates are made to the site on August 7, the first time you log into your account you will be prompted to add the extra security.

 

o You have up to three times to add the extra protection, after that you will be required to add the extra protection before accessing your account.

 

o No need to re-select your challenge question and the answer to your question will remain the same. If you have additional questions or need more information, please call us at (586) 276-3000.