Welcome Monarch Credit Union Members!


Welcome Monarch Credit Union Members!

Welcome Monarch Credit Union Members! We are so happy to be able to serve you. Here is some general information to help you. If you have any questions or need assistance with your account, please do not hesitate to contact us at 937-228-1614. You can find some of this information and much more throughout our website. We are here to help you in any way we can!


How can I get my Firefighters & Company Federal Credit Union (FFCOCU) account number?

Your account will be opened and available as of Monday February 3rd, 2020 with your Firefighters & Company Federal Credit Union. A mailing was sent out to each Monarch member to help you determine your new account number. You can also get your new account number by calling 937-228-1614.


If your old MFCU account number is:Your new FFCOCU account number will be:
12 30012
123 30123
1234 31234
12345 312345


What if I already have an account with Firefighters & Company FCU prior to the Monarch merger?

If you currently have accounts at both MFCU and FFCOCU, we will create a secondary share account for the funds from your MFCU account, under your existing FFCOCU account number. (We will not open a new primary share account for you.)


 How can I access my money?

The FFCOCU has many convenient ways to access your money. Please bring your valid driver’s license so we can identify your account.


Monarch branch-170 Monarch Ln. Miamisburg, OH 45342 (937-228-1614)

You can visit this branch located inside Avery Dennison. This office is open when the plant is open Monday through Friday from 7am to 4pm. This office will be closed for most federal holidays like the main branch, and including days the plant is closed (Good Friday April 10th, Independence Day Friday July 3rd and Monday July 6th, the Friday after Thanksgiving, November 27th, Thursday Christmas Eve Dec 24th and Thursday New Year’s Eve Dec 31st.) The Monarch Branch (only) will be open Monday October 12th for Columbus Day and Wednesday November 11th for Veterans Day. To find out the closings at the main branch, visit our Hours & Locations Page.


FFCOCU Main branch-338 South Patterson Blvd. Dayton OH 45402 (937-228-1614)

You can visit the main office located in the Oregon District in Dayton Ohio. The address is 338 South Patterson Blvd. Dayton, Ohio 45402. The office is open Monday through Friday 10am-6pm (except Federal holidays) and we have a drive-thru as well for your convenience. Need help finding us, call us at 228-1614 or click on the Map/Directions on our Hours & Locations Page.


Shared Branching

Go to sharedbranching.org to find the closest shared branch location near you. All you need to do is to visit one of the shared branching locations with your valid driver’s license, your new FFCOCU account number and the name of your credit union (Firefighters & Company Federal Credit Union). You can make a deposit, make a withdrawal, make a loan payment and cash a check at any shared branching location for free (Your check may be subject to holds). There are over 40 locations in the Dayton and surrounding area for your convenience.


ATM Access

When you have a Firefighters & Company FCU ATM/Debit card, you have access to several no surcharge ATMs. There are several no surcharge ATMs in the Alliance One network and CULIANCE network.  Below, you can click on the links to find the closest no surcharge ATM to your home or work.

Alliance One- no surcharge ATM locator
CULIANCE- no surcharge ATM locator


What do I do if I have an existing Monarch Debit Card?

If you currently have a debit card with MFCU, it will not work after January 27, 2020. You will receive a separate mailing that will include your new FFCOCU debit card and information pertaining to that new card. You should receive this new card, prior to the weekend of February 1, 2020. Your PIN number will be your four-digit birth year and will require activation at either an ATM machine or by contacting us. If you want to change this code to something else, you may do so at an ATM machine that offers this service or by contacting us at 937- 228-1614.

Please make sure you plan on having sufficient cash on hand until your new account is established on the FFCOCU data processing system and you activate your new FFCOCU debit card.


What do I do if I have recurring payments tied to my existing Monarch debit card (i.e., DPL, Netflix, etc.)?

If you have any recurring payments made using your existing Monarch debit card (i.e., Netflix, Verizon, DP&L, etc.), you will need to update those accounts with the new MasterCard information (New account number, Expiration date, etc.) once you receive the new FFCOCU debit card.


When will my new debit card arrive and how do I activate it?

The new MasterCard debit and ATM cards will be mailed out to members beginning Friday January 17th, 2020. This should allow sufficient mailing time for the cards to arrive to you before the merger takes effect over the weekend of February 1st, 2020. The default PIN on the new cards will be the cardholder’s birth year. You may change this PIN at any time, by either using an ATM that allows you to change a PIN, or by contacting us at 937-228-1614. You may also activate this card by following the instructions included with the card, or, again, by calling us.


When can I start using my new FFCOCU debit card?

Your new MasterCard debit or ATM card will not be able to be used until Monday February 3rd, 2020, since the funds from your Monarch FCU accounts will not be available until after the merger transfers are completed over the preceding weekend. You must activate the card in order to use it. You can activate your card by contacting us at the Monarch Branch at 937-228-1614.


What is my daily limit on my new debit card? How do I change it?

Our debit card processing system sets a default Point of Sale limit and ATM Withdrawal limit on all debit and ATM cards of $500.00 per day. These limits are separate, so you may make Point of Sale purchases of $500.00 and still additionally withdrawal $500.00 from an ATM using your debit card. You are always able to request temporary limit increases on a day-to-day basis by contacting us at the credit union branch. We are also able to do permanent limit increases, upon request, of up to $1,000.00 per day. Permanent increases are subject to approval based on average daily balances in your accounts with FFCOCU.


Debit cards-How do I request an ATM/Debit card?

You can call the credit union at 937-228-1614 or fill out the application, sign and fax it to 937-228-0068, drop it off at the Monarch branch or the downtown branch, or scan and e-mail it to staff@ffcocu.org. ATM/Debit cards usually take about 7-10 business days to arrive. Once you receive your ATM/Debit card, use your PIN number you requested on the form to activate the card at an ATM or call us at 937-228-1614 to activate your card. Debit cards are tied to a checking account only. If you would like to use your ATM/Debit card as a debit card, you can open a checking account with the FFCOCU and request debit access from your checking.


How can I check my balances?

You can check your account balances several ways. You can call the credit union at 937-228-1614, enroll in online banking and then mobile banking or use your phone to access our Home Audio Link (H.A.L). To check your balances by phone ( via H.A.L), call 1-800-285-2947. You just need your FFCOCU account number and a PIN. To get started, use your last 4 digits of your social security number as your temporary PIN. You will then be prompted to change your PIN to a more secure 4 digit PIN number.  Follow the prompts to check your account balances in all of your accounts. If you need assistance, please call the credit union.


How do I pay my loan payments?

You will continue to pay your loan payments like you did with your Monarch account. If you are set up on payroll deduction, you will continue to have your payments taken from your direct deposit. If you would like to change anything, please contact 937-228-1614. If you would like to mail in your payments, you can mail them to the Monarch branch or the main office.


Monarch Branch
170 Monarch Ln
Miamisburg, OH 45342

Main Branch
338 South Patterson Blvd.
Dayton, OH 45402


How will my ACH payments and payroll deposit work?

Automatic (ACH) Withdrawals/Deposits

If you currently have an automatic (ACH) deposit or withdrawal that comes to/from your account, there is nothing you need to do. Your deposit/withdrawal will automatically post to your new FFCOCU account.

The following is information you will need to set up a new automatic (ACH) deposit/withdrawal, after January 31, 2020.


FFCOCU Routing/Transit number 2422-7782-4
Deposit/Withdrawal to Share/Savings Your new FFCOCU member number
Deposit/Withdrawal to Draft/Checking Continue using account number at the bottom of your checks


What is
FFCOCU's routing and transit number?

The FFCOCU Routing and Transit Number is 2422-7782-4. Use the routing number along with your FFCOCU account number to set up a payroll or ACH.


Can I use my existing checks from Monarch or do I need to get new checks?

You can continue using your MFCU checks until they are gone. Written checks will clear on your new FFCOCU checking account


Can I set up my account online?

Yes. You can enroll in free home banking/mobile banking, e-statements, and/or bill pay, as of February 3, 2020, at our website (www.ffcocu.org). Once you know your account number with FFCOCU, you can enroll for online banking and then download our app through mobile banking.

Your access to the MFCU home banking system will be deactivated, as of January 31, 2020. You are encouraged to printout or download MFCU account history, prior to January 31, 2020, as it will not be available to you after January 31, 2020. If desired, you can enroll in free home banking/mobile banking, e-statements, and/or bill pay, as of February 3, 2020, at our website (www.ffcocu.org). Click on enroll now, under the E-Services, Online Banking dropdown menu. If you received an e-statement from MFCU, you will need to re-enroll for this service through our home banking system.


How do I get e-statements?

You can enroll in free home banking, e-statements, and/or bill pay, as of February 3, 2020, at our website (www.ffcocu.org). Click on enroll now, under the E-Services, Online Banking dropdown menu. If you received an e-statement from MFCU, you will need to re-enroll for this service once you have successfully logged in to online banking.


What fees does Firefighters & Company FCU charge?

A list of fees that could be associated with your new account at FFCOCU is available for you. (Please note that you may not have all of the products or services listed.) The Firefighters & Company FCU charges very limited fees. If you have any questions on the fee schedule, please call us at 937-228-1614.


Who is the Firefighters and Company Federal Credit Union?

The Firefighters and Company Federal Credit Union was organized as the "Dayton (Ohio) Firemen Federal Credit Union" on the 4th day of June 1935. The charter members-all fire department employees-applied for permission to organize and operate a Federal Credit Union. The field of membership-"any active or pensioned employee of Dayton, Ohio Fire Department and Department of Telegraph and Signals; employees of this credit union; members of their immediate family; and any association of such employees"-remained intact for over 68 years. In September 2003, we were able to open our services to anyone that lives, works, worships, or attends school in Montgomery County of Ohio. As of September 2016, membership benefits included Greene and Miami County! 

Being a Firefighters and Company Federal Credit Union member has a wide variety of benefits. First you receive outstanding personal service and you are an owner of a financial institution who looks out for your best interest. You are a part of an organization that is committed to improving your financial life. We have all sorts of products and services to help you through your financial life, but most importantly we are here to help you succeed and reach your financial goals. Invite your friends, family, and co-workers to take advantage of all that the credit union offers.


We Promise To:

  • Simplify your financial life
  • Work in your best interest
  • Make your privacy our top priority
  • Have fair and competitive rates and fees
  • Provide personalized options to help you achieve financial success


What Electronic services does FFCOCU offer?

  • Debit Cards
  • Direct Deposit
  • Website
  • Home Banking
  • Bill Payment
  • Remote Deposit Capture
  • Shared Branching
  • Telephone Audio Response (HAL)
  • Electronic Statements
  • Overdraft Privilege
  • Mobile Banking w/ App
  • Alliance One & CULIANCE Surcharge-Free Credit Union ATM Network


What Loan products does FFCOCU offer?

  • Auto Loans (New & Used)
  • RV Loans (New & Used)
  • Boat Loans (New & Used)
  • Auto Link - a free online buying and auto research tool
  • Tuition Loans, Personal Property, Untitled Vehicles
  • First Mortgage Loans
  • Second Mortgages
  • eLeins
  • Personal fixed-rate loans and lines of credit
  • Share Secured Loans
  • GAP Insurance
  • Route 66 Extended Warranties
  • Debt Cancellation
  • Business Lending through Cooperative Business Services
  • VISA
  • Student Loans through Sallie Mae Smart Option


 What Savings/Checking products does FFCOCU offer?

  • Share Accounts (Savings, Kasasa Saver)
  • Share Draft Accounts (Kasasa Checking, Teen Checking)
  • IRA Accounts
  • Money Market Accounts
  • Health Savings Accounts
  • Certificates of Deposit
  • Business Share/Share Draft Accounts


 What additional services does FFCOCU offer?

  • Notary Services
  • Cashier's Checks
  • Drive-up Service
  • Night Deposit
  • Accidental Death & Dismemberment
  • Investment Services through Harrison Wealth Management Group
  • Auto/Home/Renters Insurance through RKJones Insurance
  • Federally Insured by NCUA up to $250,000
  • A+ Rating with the Better Business Bureau
  • TrueChecks fraud detection
  • Important Contact Information