Online Banking Frequently Asked Questions (FAQs)

Customers may enroll in online banking using this link. You will need your account number, social security number and an email address. Your PIN is the last 4 digits of your social security number or your telephone banking PIN, if you have already set one up. Once you create your username and password, you will have immediate access to your account.

If you are a business customer who will have only one user viewing the account, you may also enroll using the link above. Your PIN is the last 4 digits of your EIN. If you are a business customer with more than one user and/or wish to use M&F Bank’s Treasury Management services, please contact your Relationship Manager or local branch.

You will create your user name and password during the enrollment process.  If you would like to change your password after logging in, click on the “Profile” tab at the top right of your online banking home page.

If you forget your password, select the “Forgot my password” link on the account login screen or use this link. Submit the requested information and a new temporary password will be sent to the email address on file. Once you login using your temporary password, you will be directed to create a new password. Passwords must contain a number, a lowercase letter, an uppercase letter, a special character and must be between eight and twelve characters.

You will be prompted to reset your password every 6 months.

Online banking will automatically lock user access after two incorrect password attempts or two missed attempts to answer security questions. Your account will also be locked if it has been more than 90 days since you have logged in, and you will need to re-enroll in online banking. If you are locked out, contact us at (800) 433-8283.

To avoid being locked out, it is important to remember that your username is case-sensitive.

You can rename your accounts at any time by selecting the “Edit Account” tab to the right of the account number that you want to change. 

New accounts are added to your profile automatically. If an account is not displayed, please contact your local branch.

From the Account List page, select “Profile” in the upper right corner. Click the edit button next to “Electronic statements”, select the eStatements option under “Delivery Method”, review and accept the enrollment Terms and Conditions, and click “Save”.

From the home page within online banking, select the account you would like to view the statement for and click on the “Documents” tab.

After logging into online banking, select the “Bill Payment” tab. Review and accept the terms and conditions for enrollment. Once enrolled, you may begin adding your billers.

Bill payments are made through our bill payment vendor. Please refer to the Terms and Conditions of the Bill Payment Services located within the Bill Payment Module. You may contact our bill payment vendor at (855) 836-7443.

Internal Transfers are transfers between M&F Bank Accounts. To set up a transfer after logging in, select the “Transfer” tab at the top of the toolbar.

External transfers are transfers between M&F Bank and other financial institutions. To create a transfer, click the “Transfer” tab at the top of the screen and then click “Launch External Transfer”.