Monterra Credit Union has a variety of Text Alert programs that use different short codes depending on the alert. The following short codes are used by Monterra and we recommend you store and save these short codes in your mobile phone. General Inquires/New Accounts: 94701 Debit/Credit Fraud Alerts: 23618 Card Manager Alerts: 288472 Digital Banking Alerts: 67669 Lending Center and Loan Applications: 39703 Financial Assistance and Payment Reminders: 97612 If you receive a message from a short co  More...

Monterra Credit Union's Routing Number is: 321174851 You can find our routing number at the bottom of your checks as well: Use this Routing number to set up a Direct Deposit into your Monterra accounts.

Stop payment requests for checks issued through Monterra Credit Union Bill Pay can only be completed through the desktop version of online banking. This functionality is not available in mobile banking. If you need assistance, please contact us or visit a branch. Accessing Bill Pay in Online Banking Log in to online banking Hover over “Transfers Pay” Click “Bill Pay” Submit a Stop Payment Request Click on “Calendar” to locate the payment Select the paymen  More...

There are several ways you can obtain your account number: On our mobile application, or desktop site. Please follow the steps below. Visit one of our branches. Call us during our normal business hours at (650) 363-1725 and our representatives can guide you on how to find your account number. Mobile If you're using the Monterra Mobile App, follow the steps below. For computers, go to the desktop steps After logging into online banking select any of your accounts Click on “Show  More...

Monterra Credit Union observes the following holidays: New Year's Day Martin Luther King's Birthday President's Day Memorial Day Juneteenth Independence Day Labor Day Veterans' Day Thanksgiving Day Native American Heritage Day (the Friday following Thanksgiving) Christmas Day You can view an updated holiday schedule on our Contact Us page.

Monterra Credit Union does not offer foreign currency exchange or the ability to purchase foreign currency. For international needs, we offer alternatives such as international wire transfers and card-based transactions. Our Visa Signature credit card does not charge foreign transaction fees, making it a convenient option for use while traveling abroad. If you need help choosing the best option for your situation, please contact us or visit a branch.

Monterra Credit Union offers notary services at most of our branches only for Monterra Credit Union documents that need to be notarized. We do not offer public notary services.

Mobile If you're using the Monterra Mobile App, follow the steps below. For computers, go to the desktop steps Option 1: From the home screen select the “Bill Pay” option on the bottom of the screen Option 2: Select “More” then “Transfer Pay” then “Bill Pay” Desktop If you’re using a computer, follow the steps below. For mobile devices, go to the mobile steps After logging into online banking hover over “Transfers Pay&  More...

The transfer fee for a Domestic Outgoing Wire is $20, the transfer fee for an International Outgoing Wire is $45. Additional fees may apply as other banks involved in the funds transfer may impose additional charges. Learn More About Wires >

To get a complete listing of our Savings, Certificates and Money Market rates, please visit our rates page . We offer a variety of savings products with competitive rates! Click on the links below to learn more: Digital Savings Account - earn a higher rate on the first $5,000. Money Market Plus - earn more than a regular savings account without limiting your access. Certificates - Earn a higher rate of return than regular savings accounts with short- or long-term share certificates. Flex Certi  More...