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Coconino Federal Credit Union Go to main content


Mobile Banking

What is Mobile Banking? It is banking in the palm of your hand, wherever you are, anytime of the day or night and a smartphone is not required. In your app store search Coconino Federal Credit Union. 

Google Play  Apple

With the app, you can transfer money (to any account you have access to), pay your bills, deposit a check, view your history and use Zelle® to pay anyone you know and trust using their cell phone number or email, often the transfer happens within minutes. With our new quick balance feature you don't even have to log in see your balance, just tap the app.

Card management  with the mobile app 

What enhanced card management options are available within the Mobile Banking App?

Our enhanced card management options allow you to:

  • Lock/unlock your cards
  • Limit transactions by location, merchant, transaction type or dollar amount
  • Easily add cards to mobile wallets (Apple Pay® and/or Google Pay)
  • View subscriptions tied to a card and see where cards are stored online
  • Stay informed with alerts
  • View your spending via easy-to-read graphs
  • Get in-depth transaction details
  • Report lost or stolen cards
  • Quickly identify and report fraudulent transactions
  • Set up and manage travel plans

How do I get started?

Simply log in to our Mobile Banking app and tap “Cards” to get started.


What type of transactions are displayed/enriched?

Transactions made with your debit card(s) are enriched and displayed. Teller transactions, wire transfers, and payments made via Bill Pay and ACH are not included in this portion of the app. Enriched data includes the merchant’s name, logo, address and more.

Does the app show recent transaction history?

Yes, the app shows the last 50 card-based transactions posted within the last 30 days.

A spend limit of $50 has been set, but my card gets denied at some gas stations. Why?

Sometimes a merchant will pre-authorize the card for an amount that may be more than the spend limit you allow on the card. In this case, your card will be denied.

Can I add other financial institutions’ debit or credit cards to the Mobile App?

No, only Coconino Federal Credit Union debit cards are supported.

Can multiple cards be linked to one Mobile Banking account?

Yes, multiple cards from our institution can be accessed via one Mobile Banking account.

When I receive a reissued or replacement card, will I have to update the cards within the application?

No, the card will be automatically updated within our Mobile Banking app.

What if I don’t see “Cards” in the Mobile App?

Verify in your App Store that you have the most current version of our app installed. If an update is needed, you will see “Update” in the App Store.

What’s the difference between “Card on File” and “Recurring Payments”?

“Recurring Payments” are those payments that happen repeatedly on a schedule, for example, streaming subscriptions, cellular bills, or other monthly bills you pay with your card. “Card on File” is a list of merchants who store your card information for future purchases, like online retailers or delivery apps.

I see a transaction I don’t recognize. What should I do?

Select the transaction to view its details. If it was an in-person transaction, you should see a Google Map of the actual location the transaction took place. If you still don’t recognize the purchase, you can reach out to the merchant from the phone number listed on this screen. If the transactions does not appear to have been authorized by you, turn off your card and contact the credit union.

Controls and Alerts

What card controls are available?

Via our Mobile app, you can lock or unlock your card if you suspect fraud or misplace your card. Even limit transactions by location, merchant, and transaction type to control how your card is used. Plus, set up alerts to stay informed.

What about international transactions?

All transactions outside of the United States are blocked to prevent fraud. If you are traveling abroad use the mobile app to set up a travel plan(s), just add the dates and places you will be traveling it’s that easy. Be sure to make the changes while you are still in the United States, changes to international travel are only recognized when they are completed in the United States to prevent fraud. Up to 2 travel plans can be added.

Will changing location controls, merchant controls, and spend controls impact previously authorized recurring transactions?

Previously authorized recurring payments will not be affected by the card controls.

How long does it take for a control or alert setting to take effect?

Control settings take effect immediately.

Additional Features

Can I add my card to Mobile Wallets?

Yes, the app currently supports Google Pay and Apple Pay®.

How are alerts delivered?

Alerts are sent as push notifications on your device. The alerts will also appear under “Messages” in the app.

If I set multiple alerts and a transaction triggers more than one, will I receive a separate message for each alert?

No, alerts will all be included in one message.

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