Monterra Credit Union's Routing Number is: 321174851 Use this Routing number to set up a Direct Deposit into your Monterra accounts.

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...

There are several ways you can obtain your member account number: Call us during our normal business hours at (650) 363-1725. Visit one of our branches. Within digital banking, when logged on, you can select an account type and click the small icon below account name and to the right of the masked account number to see the full account number. For mobile banking, after selecting the account type select “Show details” and click the small icon to the right of the masked account numb  More...

There are no annual fees on credit cards offered by Monterra Credit Union. Interest rates will differ based on credit rating and product selected. Visit our Credit Cards page to learn more .

Please note that this can only be completed in the desktop version of online banking Desktop After logging into online banking hover over “Transfers Pay” then click “Bill Pay” Click on “Calendar” to find the payment Select the payment Click on the “View” option Select the option “Send a stop payment request” You you see a disclosure toggle the option to agree to it after you have read it You will receive a confirmation t  More...

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...

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 >

Monterra Credit Union focuses on services that meet the core needs of their local communities—such as savings, loans, and checking—rather than niche services such as foreign currency exchange, which is not used frequently by the majority of members. Currency exchange can be costly to implement and maintain, particularly for credit unions as it involves fluctuating exchange rates, counterfeit currency risks, and the need for up-to-date systems to manage conversions—adding operat  More...

Prior to submitting a dispute, please review the following: A dispute/charge error is a transaction you may recognize but appears incorrect. Some common examples of disputed transactions include: A recurring transaction or trial subscription that you had canceled. The product or service was never received or received late. You are dissatisfied with the product or service. You returned or canceled the purchase, but still have not received credit. The amount charged is higher than the amount on t  More...