Frequently Asked Questions
What features does 4Front online banking offer?
Our online banking system delivers the ability to bank anytime, anywhere, and from any device – desktop, phone, and tablet – like never before...
- Intuitive and connected navigation that gets you where you need to be with a few taps of your finger and the help of streamlined menus.
- Consistency between online banking and 4FrontGo, the mobile app, makes transitioning between both platforms a snap. No more learning two systems to manage one account.
- Customizable account alerts remind you of important account events, warn you about the status of your accounts, and notify you when transactions occur so you can stay on top of your finances.
- 4FrontGo offers mobile check deposit technology, allowing you to take a picture of an endorsed check and deposit the funds directly into your eligible 4Front Credit Union checking and savings accounts.
- Utilize 4Sight, your very own free personal financial management platform, to set your financial goals... and achieve them!
Online Banking at a Glance
This interactive demo will go over all the features our Online Banking has to offer.
I wish to take advantage of 4Front's online banking conveniences. How can I connect to these services for the first time?
Consumer and business members seeking to utilize desktop online banking may quickly connect with this service by opening the "Online Banking" dropdown in the upper right of the website and selecting 'ENROLL IN PERSONAL ONLINE BANKING' in the 'PERSONAL' tab. You'll be prompted to verify your identity and will be enjoying the convenience of 4Front's online banking in no time!
Using 4FrontGo, our super convenient mobile banking application, is only a download away! Visit our Mobile Banking page to select the right version for your device.
Enroll in Online Banking
In this interactive demo, you will learn how to enroll in online banking and set up eStatements.
How secure is 4Front's online banking service?
Users enjoy enhanced login security for added protection of your accounts with online banking, including the generation of a Secure Access Code for instances when users wish to log-in from a public computer terminal such as those found in libraries and coffee shops.
Is there a time limit for an online banking session?
For security purposes, each online banking session will automatically timeout and close after twenty minutes.
Are there differences between the Retail (personal) and Cash Management (business) versions?
Yes. The Cash Management version was designed exclusively for businesses and offers several service enhancements. These enhancements include individual user account management rights, wire transmission, and tax payment features.
What is a single sign on?
The term “single sign on” means that you will only need one set of login credentials to view all of your 4Front accounts within online banking.
Are there minimum hardware, operating system, and/or browser requirements for the new online banking platform?
Online Banking will run on a standard PC or Mac (Pentium IV/1 GHz processor or higher/500 Mb RAM or greater). Recommended minimum operating system requirements are XP SP3/Vista SP2/7/8 (Microsoft Windows) and Mac OS X (Apple).
For the best performance, it is recommended that you use Online Banking with a cable, DSL, or ISDN Internet connection. Dial-up is supported for the basic consumer users only.
Online Banking is generally compatible with the latest web browser versions including Microsoft Edge, Google Chrome, Mozilla Firefox, and Apple Safari. Available browser updates are recommended for improved security and greater anti-virus and spyware protection.
Online Banking users must provide a valid email address and telephone number.
What are the Login ID requirements?
Your Login ID must be 8 – 20 characters. It can contain letters and numbers, but special characters are not accepted.
What if I forget my Login ID?
You can reset your Login ID by visiting our Forgot Login page or by contacting our Member Services department at 800-765-0110.
Retrieve Forgotten Username
Learn how to retrieve your forgotten username by sending it to your mobile device or email.
What are the password requirements?
Your password must be 8 – 20 characters in length and must contain at least one capital letter, one lowercase letter, one number, and one special character. Your password cannot be the same as your Login ID.
What if I forget my password?
To reset a forgotten password -
- On the Login page, click ‘Forgot your password?’
- Enter your Login ID and click Submit.
- On the Login page, click one of the contact methods that are on file for you. We will send you the code using the contact method that you selected.
- On the Secure Access Code page, enter the code and click submit. The New Password page appears.
- On the New Password page, enter your new password in the New Password field.
- Re-enter the password in the Confirm Password field.
- Click submit.
Reset Forgotten Password
Learn how to reset a forgotten password in the 4FrontGo Mobile Banking app.
866-657-0675
727-299-2449 (outside U.S.)
844-269-3009 (24 hours)
571-526-3951 (outside U.S.)
Debit/ATM
888-886-0083 (24 hours)
How can I get 4FrontGo on my smart device?
Download the iOS version from the App Store and the Android version from Google Play starting on May 4, 2015.
What devices can I get 4FrontGo on?
4FrontGo is supported on Android devices (Android OS 8.0 and later), iOS devices (iOS version 13 and later), and WatchOS 6 or later. A device with a rear-facing, auto-focus camera is required to utilize the Mobile Remote Device Capture (MRDC) feature.
What is mobile check deposit and how does it work?
Mobile check deposit allows you to take a picture of a check with your smart device and deposit the funds into your eligible 4Front checking and savings accounts. This service offers almost immediate access to a portion of your deposited funds availability and eliminates the need for a trip to the branch or deposit-taking ATM. Some limits and restrictions apply. A device with a rear-facing, auto-focus camera is required to use mobile check deposit.
How secure is 4Front's online banking service?
Users enjoy enhanced login security for added protection of your accounts with online banking, including the generation of a Secure Access Code for instances when users wish to log-in from a public computer terminal such as those found in libraries and coffee shops.
I've downloaded 4FrontGo. How can I connect it with my online banking account?
Once you have downloaded the 4FrontGo app, log into the app with the same login credentials as online banking. Your app will automatically connect to your online banking account.
What features are offered by 4FrontGo?
4FrontGo works seamlessly with our online banking platform, making managing your finances simpler and faster. You’ll be able to perform the same tasks, no matter which device you choose, no matter where you are.
4FrontGo even offers a few extra bells-and-whistles to making banking on the go even more convenient.
- Mobile check deposit allows you to deposit a check virtually anywhere with your smart device and have access to a portion of those funds almost immediately.
- Text banking allows you to check balances, review your history, and transfer funds, with just a few taps of your finger. Text messaging rates may apply.
- Customizable real-time mobile alerts keep you always in-tune with what's happening with your account.
- Apple WatchTM compatibility gives you the freedom to check the balance and recent transactions on up to ten of your 4Front accounts.
I wish to take advantage of 4Front's online banking conveniences. How can I connect to these services for the first time?
Consumer and business members seeking to utilize desktop online banking may quickly connect with this service by opening the "Online Banking" dropdown in the upper right of the website and selecting 'ENROLL IN PERSONAL ONLINE BANKING' in the 'PERSONAL' tab. You'll be prompted to verify your identity and will be enjoying the convenience of 4Front's online banking in no time!
Using 4FrontGo, our super convenient mobile banking application is only a download away! Download the iOS version from the App Store or the Android version from Google Play.
How can I enroll in mobile check deposit?
Enrolling is quick and easy. From the Accounts Home page, click Move My Money > Mobile Deposit Enrollment. Follow the short steps, including reviewing and accepting the Mobile Check Deposit User Agreement. You're now ready to deposit checks from practically anywhere!
How can I deposit a check using mobile check deposit?
After completing the mobile check deposit enrollment process, use your mobile device to select Move My Money > Deposit Check. Select the account to which you wish to deposit the check and key in the check amount. Endorse the back of your check with "Mobile Deposit Only" and snap photos of both the front and back, taking care to ensure the image of the back includes the "Mobile Deposit Only" endorsement on the left side of the frame. Upon verifying the details and the images, click Submit Deposit. Please note that you must access mobile banking via the 4FrontGo app to utilize mobile check deposit. Some limits and restrictions apply.
To apply you must:
- Live, work, worship, or attend school in the state of Michigan, or be an immediate family member of an existing member of 4Front Credit Union
- At least 18 years of age or have a guardian present
- Be a legal US resident
- Have a Social Security number
- Have a government-issued ID
Receiving Credit Union:
Alloya Corporate Federal Credit Union
Naperville, IL 60563
ABA# 271987635
For Further Credit To:
4Front Credit Union
Traverse City, Michigan
ABA# 272485385
For Final Credit To:
Member's Name
Account Number
Savings, Checking or Loan
We are pleased to offer a selection of printable resources for your convenience. The resources require Adobe Acrobat Reader to view.
We are pleased to offer a selection of printable resources for your convenience. The resources require Adobe Acrobat Reader to view.
Business Membership Forms