Home Banking allows you to perform banking transactions, and communicate with Customer Service quickly and easily from the comfort of your home or wherever you happen to be.  These services provide secure access at any hour of the day.  When you have questions or need help, you have several resources: this guide, on-line help at your fingertips,  and Customer Service through secured mail messages or by telephone.

  Where to Begin

Complete the self enrollment process on the web site.

  Accessing the Service

You will set up a unique user ID and a security code when you register for the service. Your security code may be any 4-8 digit alphanumeric value. You should protect this code just as you do your ATM/PIN number, and change it often. If you forget your security code, contact the Credit Union at (423) 952-3127. You will be asked questions based on the personal information you provided when you applied for the service. If your answers confirm this information, your security code will be reset and the next time you access the service, you will be prompted to change your password.

  Home Banking

Use Home Banking to review account balances and history, transfer funds, review and change scheduled transfers, view transfer history, and make loan payments.

Home Banking's Account Balance feature tells you the account number and account type of the accounts you are using with Home Banking.  When you select an account from the list, you get the available and actual balance for that account.

Home Banking's Account History feature enables you to review account history that our institution maintains for each account.

Home Banking's Account Transfer feature offers three types of transfers:

  • Immediate - A transfer is attempted immediately.  You are notified if the transfer is successful while you are on-line (like a transaction at an ATM).  The money is actually moved based on the same schedule as transactions performed at an ATM.

  • One-time - A transfer is made on a date you specify.

  • Automatic - A transfer occurs as often and as many times as you specify.

Transfers that are made on future user-specified dates are called "scheduled" transfers.  These transfers may be either one-time or automatic.  The first transfer date may be no more than 18 months in the future.  Scheduled transfers are processed on the scheduled date.  Transfers scheduled for non-business dates (such as January 1 or weekends) are processed on the next business day for one-time transfers and on the previous business day for automatic transfers. 

Home Banking's Scheduled Transfers feature lets you review one-time or automatic transfers or cancel a transfer before it occurs.  You can also change information, depending on the type of scheduled transfer:

  • One-time transfer - You can change the amount and date of the transfer.

  • Automatic transfer - You can change the amount, next transfer date, number of transfers, and transfer frequency.  The changes affect all future transfers.

If you want to change the FROM or TO account, you must cancel the transfer and set it up correctly.  An immediate transfer takes place the instant you confirm it, so it cannot be modified or canceled afterward. 

Home Banking's Transfer History feature provides the details, including the status of transfers you've made.  You have several ways in which to select which transfer(s) you want to review.  If you don't specify any criteria, you get all available transfer history.  If you specify:

  • Account number - You receive all transfers for that account.

  • Transfer dates - You receive transfers from the start date to the end date.

  • Transfer amount - You receive all transfers within plus or minus $10 of the specified amount.

If you want to direct the search to a more restricted list of past transfers, specify a combination of transfer details. 

Home Banking's Loan Payment feature allows you to make immediate, one-time, or automatic payments to a loan. 

Mailing Address 1021 W. Oakland Ave., Suite 110, Johnson City, TN 37604
Nationwide Mortgage Licensing System & Registry Mortgage Loan Originator John F. Hunter II
ID Number
Email Member Services memberservices
Email Loan Services loanservices or acox@mountainstatescu.org


400 North State of Franklin Road
Johnson City, TN 37604

Phone 423-431-6361
Fax 423-431-2900

Business Hours

Monday, Tuesday, Thursday: 7:30 - 4:00 PM
Wednesday:  7:30-12:00 PM
Friday:  7:30-4:00 PM

1021 West Oakland Avenue
Johnson City, TN 37604

Phone 423-952-3120
Fax 423-952-3131

Lobby Hours

Monday, Tuesday, Thursday: 7:30 - 4:00 PM
Wednesday:  7:30 - 12:00 PM
Friday: 7:30 - 6:00 PM

Drive Thru Hours
Monday, Tuesday, Thursday 7:30 - 4:00 PM
Wednesday 7:30 - 12:00 PM
Friday 7:30 - 6:00 PM


300 Med Tech Parkway
Johnson City, TN 37604

Phone 423-302-1163
Fax 423-302-1162

Business Hours

Monday, Tuesday, Thursday, Friday: 8:00 - 2:00 PM
Wednesday:  8:00 - 11:30 AM
Lost or Stolen VISA Debit Cards 1-800-472-3272