Electronic Services

Independent Federal offers many convenient ways that you can access your IFCU accounts. ART (Telephone Banking),  Virtual Branch (Online Banking) and ATM and Debit cards provide you with many options that will save you time and money.

ART (Audio Response Technology) is a safe and convenient way to access your accounts by phone. From any touch tone phone you can conduct your credit union business day or night, 7 days a week. To access ART instructions or a printable application click here.

Virtual Branch/Home Financial Services  (Online Banking) This is an Internet based financial service offered to members of Independent Federal Credit Union. This service is available 24 hours a day, seven days a week, providing our credit union members with the flexibility to take care of many of their financial transactions without requiring them to visit the credit union. To visit Virtual Branch click here. You can also sign-up for Virtual Branch by clicking the Account Login located at the top right of the page, under the search field. You may then click on Enroll Online on the left side of the Virtual Branch sign-in page.


ATM/DEBIT CARDS Your Debit card can be used just like cash or a check to pay for purchases at retailers. Simply present your card as payment whenever you see the NYCE symbol or MasterCard logo. The amount of your purchase will be electronically deducted from your checking/share draft account. Be sure to save receipts from your ATM and purchase transactions and enter the amount into your checkbook. These transactions will also appear on your monthly account statement to help you balance your account. Independent Federal Credit Union and the NYCE ATM network offer access to ATMs across the country and around the world. When traveling, use your Debit Card at thousands of ATMs displaying the NYCE symbol. You must be 18 years of age and have an IFCU checking/share draft account to apply. Pin based transactions have a daily limit of $200.00, signature based transactions have a $1500.00 daily limit. To access an online application for your IFCU Debit or ATM card, please click here.