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Online/Mobile Banking

How do I use Flex Teller (Online Banking)?

Log in by using your account number and PIN. Then follow the prompts to your desired location.

What is a PIN?

A PIN is your personal identification number. It is used to insure the safety of your account.

What PIN do I use to log onto Flex Teller?

To get your PIN you will need to call the credit union. We will issue you a temporary PIN that we encourage you to change once you are logged onto Flex Teller.

Can I change my PIN?

Yes, once you are logged onto Flex Teller there is an option to change your PIN.

Is there a fee to use Flex Teller?

No. Flex Teller is offered to our members free of charge.

Is there a limit to the number of transfers made on Flex Teller?

No. You have unlimited transfers on Flex Teller.

Is banking on Flex Teller secure?

Yes. VeriSign secures Flex Teller. You can click on their icon to learn more.

Can I do transactions from my account to another account over the web?

Yes, if you sign up for cross-member transactions at the credit union you can make transfers to those accounts.

Mobile Banking 

Does MariSol have an app for smartphones?

Yes. The app is available on both the Apple Store (for iOS (Apple) devices) and the Google Play Store (for Android devices).

How do I download the MariSol FCU app on my iOS (Apple) device?

You can download the MariSol FCU app on your IOS (Apple) device by performing the following; Open the app store application on your smartphone, search for "MariSol FCU or type MariSol Federal Credit Union", click "Get", click "Install", the app download process will begin. Note: You will be prompted to agree to the terms and conditions before you download the MariSol FCU app. View terms and conditions. View the Mobile Banking User Guide.

How do I download the MariSol FCU app on my Android device?

You can download the MariSol FCU app on your Android device by performing the following; Open the Play Store icon on your smartphone, click on the "search" icon, search for "MariSol FCU or type MariSol Federal Credit Union", click install, the app download process will begin. Note: You will be prompted to agree to the terms and conditions before you download the MariSol FCU app. View terms and conditions. View the Mobile Banking User Guide.

Is the MariSol FCU app free?

Yes, the MariSol FCU app is free on both the Apple Store (for iOS/Apple devices) and the Google Play Store (for Android devices). 

How do I log into my account once I have downloaded the app on my smartphone?

Log into your account by performing the following steps; Open the MariSol FCU app on your smartphone device, enter your user name and password and click sign in.

Which accounts can I access with mobile banking?

You can access the following accounts with mobile banking; Savings, Checking, Loans.

What kinds of transactions can I make using the MariSol FCU app?

You can view account history, transfers, check withdrawals to yourself and use the remote deposit capture feature. View Remote Deposit Capture FAQ below.

What if I cannot log into my account through the app?

If you are having trouble logging into your account, please call Member Services at 602-252-6831.

Remote Deposit Capture/Mobile Deposit

How do I set up the Remote Deposit feature?

In order to have the remote deposit feature you must complete the Remote Deposit Capture Agreement form. Call Member Services at 602-252-6831, or download the form online. Forms are also available at any MariSol branch location. Upon approval by MariSol, the remote deposit feature will be turned on.

How do I make a check deposit from my smartphone?

You can make a check deposit from your smartphone by opening the MariSol FCU app, then log in onto your MariSol account, and then click remote deposit. You will then be prompted to follow instructions and take a picture of the front and back of your check. View the Remote Deposit User Guide.

Can I use my desktop computer to make a check deposit?

No. It must be a backward facing camera. Feature is only available on mobile banking.

How do I take a picture of my check?

  • Place check on blank surface.
  • Align check within border.
  • Hold camera steady.
  • Review check before you submit. The image must be clean, complete, and straight.

What happens next?

Checks that are deposited onto your account with the remote deposit capture feature are reviewed by MariSol within 1 business day. Good quality images are processed. Check deposits with poor images are reversed. MariSol will notify you if this occurs. Please call Member Services at 602-252-6831 if you have any questions regarding your check deposit.

Loans

What interest rate will I get on my loan?

The interest rate is based on what you are borrowing for, term and your credit.

Do I need my spouse on my application?

Only if their income is needed to meet the community debt.

What do I need for proof of income?

You can use your pay-stubs, bank statements showing direct deposit, disability or retirement statements. If you are self-employed, we need the two most current years of federal tax returns.

Are there penalties for early payoff?

No. The credit union loans are simple interest loans. This means interest is figured daily on the lowest principle balance and interest owing is paid when a payment is made.

Can I make principle only payments?

Yes, if they add to your regular payment. Any additional money will go to your principle balance.

What kind of car protection do you offer?

MariSol offers GAP insurance, which covers the difference between the value of the vehicle that your insurance will payoff and what you owe on your loan. We also sell Auto Warranty insurance, which offers extended parts and repair coverage.

Are Salvaged Titles accepted to secure a loan?

No. The credit union does not accept Salvaged Titles to secure a loan. When a loan is secured by a vehicle the credit union requires that the vehicle carries full coverage insurance. A Salvaged Vehicle cannot meet that requirement. For further information on Salvaged Vehicles go to www.AZdot.gov to Salvaged Vehicle and frequently asked questions.

Will I be charged a late fee if I do not make my payment on time?

Yes, the amount depends on the type of loan and the grace period depends on the type of loan.  Please refer to your Promissory Note.

Will I be reported to the Credit Bureau?

Yes, both current and delinquent loans are automatically reported to Experian on a monthly basis. Loans will be reported as delinquent if they are more than 30 days past due.

Cards – ATM & Debit

Where can I use my Debit Mastercard® or ATM surcharge free?

All MariSol ATMs are surcharge free for our members located in Arizona. Find MariSol ATM locations.

How do I change my Debit MasterCard® or ATM card PIN?

You can personalize your PIN by calling 1-877-265-9594. This service is free of charge. If you need your PIN reset call 602-252-6831.

My Debit Mastercard® is expiring soon when will I receive my new card?

Renewal cards are automatically sent out the month before they are set to expire (i.e. if expiration date is 12/15, renewal card is sent in November).

My Mastercard® Credit Card is expiring soon when will I receive my new card?

Renewal cards are automatically sent out the month they are set to expire (i.e. if expiration date is 12/15, renewal card is sent the first week of December).

Never had a Debit Mastercard® or ATM card, how do I request one?

You can request a Debit Mastercard® or ATM card by calling us at 602-252-6831 or visit one of our branch locations.

Need to request a replacement Debit Mastercard® or ATM card?

Please call 602-252-6831.

Need to report your Mastercard® Credit Card lost or stolen or need a replacement card?

Please call 1-800-422-4757 at any time.

Need to report your Debit Mastercard® or ATM card lost or stolen?

During business hours, please call 602-252-6831 (Monday–Friday) During non-business hours, please call 1-800-528-2273 (Saturday and Sunday).

Wiring/Stop Payment

What information is required to wire funds into my account at MariSol?

The following information needs to be provided to the entity wiring funds into your MariSol account. 

Credit: Catalyst Corporate FCU
Routing & Transit #: 3119-9051-1
Further Credit: MariSol Federal Credit Union
Account #: 3221-7273-9
Final Credit: Your name and account number

What information is required to wire funds from my MariSol account to somewhere else?

All outgoing wires are required to be requested in PERSON. The following information needs to be provided in order to process the wire. 

A wire transfer form must be completed. A fee may apply; please see the rate and fee schedule. Visit any MariSol branch to process your wire request.

Stop Payments

How do I place a stop payment on a check or electronic item on my MariSol account?

Please contact MariSol Federal Credit Union at 602-252-6831 to assist you in this request.

Shared Branching

How can I find a Shared Branch location?

You can locate a Shared Branch location by visiting the CO-OP website.

What kind of transactions can I do at shared branch?

  • Deposits and withdrawals
  • Transfers between sub-accounts
  • Loan payments and advances
  • Account history printing

What do I need to do a shared branching transaction?

You need a government picture ID such as a Driver's License and your MariSol Federal Credit Union name and account number.

If I deposit a check, will there be a hold?

Yes, all checks are put on hold. This is a shared branching rule. Why this rule? Check fraud — the rule is there to prevent abuse and losses.

How much cash can I get in a day?

The shared branch limit is $500. Why —  every credit union needs to make sure that they can meet the needs of their members as well as any shared branching members. At a MariSol Branch, we allow members $2,000 a day. If you need more money than the daily allowable, you need to make arrangements at a MariSol branch.

Can I make a loan payment if my loan payment is late?

As long as your loan payment does not exceed 30 days, yes. Your shared branching teller may call MariSol on any late payment to verify that MariSol will accept it.

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