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eDocuments including member account statements and tax forms are accessible on your HomeBanking account. Sign up today if you haven’t already! Ask us how to opt in for eStatements or email us at info@mycomcu.org, call us 413-442-6501, or stop by the office to tell us you would like to receive eStatements.

Fraud Prevention

MyCom will never contact you and ask for your PIN to your card, Online Banking password, or any other personal information. If someone claiming to be from MyCom contacts you via phone call, text message, email, etc. and asks for any of this information, DO NOT RESPOND.

When in doubt, call our office immediately at 413-442-6501 or Toll Free: 1-866-297-9778

LOST or STOLEN DEBIT CARD? CALL : 1-800-472-3272

Review Common Types of Scams by the Consumer Financial Protection Bureau here.

Budgeting, savings, and purchasing can be difficult. Check below for helpful tool guides.

A new car is second only to a home as the most expensive purchase many consumers make. That’s why it’s important to know how to make a smart deal. Click here to review a guide on important car buying tips.

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Your Money is Safe and Secure at MyCom Federal Credit Union!

As a credit union member at MyCom Federal Credit Union, you are an owner of our not-for-profit financial cooperative. Credit Unions’ first priority is your financial success, and we focus on financial security. Your deposits at MyCom Federal Credit Union, a federally insured Credit Union, are safe and secure.

Federally insured Credit Unions offer a safe place for members to save money. These deposits are protected by the National Credit Union Share Insurance Fund and insured up to $250,000 per individual depositor. In addition, Massachusetts Credit Union Share Insurance Corporation (MSIC) fully insures excess shares and deposits above the federal insurance limit of $250,000. Credit union members have never lost a penny of insured savings at a federally insured Credit Union. Your money is safe and secure at MyCom Federal Credit Union!

You can visit MyCreditUnion.gov for more information about the National Credit Union Share Insurance Fund and the Massachusetts Credit Union Share Insurance Corporation at MSIC.org.

our members deposits 100% insured

July 2025 Reg CC Funds Availability Dollar Threshold Adjustments

IMPORTANT UPDATE EFFECTIVE JULY 1, 2025

The Consumer Financial Protection Bureau (CFPB) and the Federal Reserve Board jointly adjusted threshold amounts for inflation relating to the availability of accountholder funds. These Regulation CC changes include the minimum amount of funds deposited that financial institutions must make available for withdrawal by the beginning of the next business day for certain check deposits, as well as the amount of funds deposited by certain checks in new accounts that are subject to next-day availability.

What is Reg CC and Why Does it Matter?
Reg CC aims to speed up the check-clearing process and ensure customers have timely access to their deposited funds. It sets specific timeframes for when funds must be made available, depending on the type of deposit (cash, checks, electronic transfers) and the location of the paying bank.

The chart below lists the inflation-adjusted dollar thresholds for Reg CC funds availability requirements. The changes are effective July 1, 2025.

Funds Availability Policy – Change In Terms

Effective July 1, 2025, Your Ability to Withdraw Funds Policy will change to increase the amount available from checks that are placed on hold.

Minimum Amount from Deposit$275
Cash Withdrawal Amount$275/$550
New Account Amount$6,725
Large-Deposit Threshold$6,725
Repeatedly Overdrawn Threshold$6,725

Here’s what you need to know:

Why did this change?
Due to the Expedited Funds Availability Act for inflation approved in 2020, the policies and regulations set forth by the Federal Reserve and the CFPB will be adjusted every 5 years.