Online Banking Services | 4Front Credit Union - Michigan
Skip to main content
Routing Number: 272485385

With 4Front Credit Union online banking, you have complete control over your banking. You can review statements, transfer funds, schedule bill payments, and more. And you do it all quickly and securely.

NEW! Card Control

Have the ultimate control of your 4Front Cards at your fingertips. Card Control is available in Online Banking and the 4FrontGO app, handing you the controls. With Card Control, you can:
  • Toggle your card off and on with a single tap - Lose your card? Turn it off! Find it? No problem, turn it right back on. 
  • Set limits on spending amounts - Let's stick to that budget!
  • Restrict specific merchants - Combat unauthorized use!
  • Receive real-time alerts via text or email for transactions - Suspect suspicion activity? Shut it down immediately.
  • Have shared user account management - Parents!  Here is the perfect way to help establish good habits while blocking unwanted card activity.
  • Set travel notices-  It's now faster and easier than ever to set up a travel notification.

4Sight FullView cPFM

Integrated with both our online and mobile banking, 4Front’s contextual personal financial management (cPFM) platform is your easy-to-use financial management tool. With 4Sight FullView cPFM, you can manage all your 4Front and external accounts. You can track your savings and spending, monitor cash flow, create budgets, and more. You’re automatically enrolled in it with your 4Front online and 4FrontGo mobile banking display…so no additional enrollment is needed.

Credit Score powered by SavvyMoney

Real buying power starts with your credit score. You can boost yours with help from Credit Score powered by SavvyMoney. Available with our online banking platform, this solution lets you access your credit score and report, learn what impacts your score, and discover ways to improve it. You can even take advantage of personalized offers to reduce your interest costs.

Vantage Score®

Our personal lending philosophy

When it comes to making decisions on personal lending, 4Front believes it’s important to consider every person’s unique situation. That’s why we follow the VantageScore to assess personal credit scores while also looking beyond just the “numbers” to make decisions about personal lending. VantageScore 3.0 —the current model— is similar to FICO Scoring, but differs in some very important ways:

  • Credit History - VantageScore 3.0 has fewer credit history requirements. It can use credit data from just one account and a single month’s history from that account. As a result, we can usually score those who are new to credit or use it less frequently.
  • Credit Inquiries – In order to get the best deal on credit cards, loans, etc., it makes sense to apply for multiple credit lines. Unfortunately, this can negatively impact your credit score. But not with VantageScore. It allows for multiple inquiries within a short time period so you’re less likely to be penalized.
  • Consideration of Trends – The FICO Model generates your credit score based on borrowing and credit use reported to the credit bureaus when your score is generated. Conversely, VantageScore considers data that shows patterns over time, which allows for variances when “life happens.”
  • Scoring Criteria Weighting – Both FICO 8 and VantageScore 3.0 use similar scoring criteria. However, VantageScore places more emphasis on Payment History and Credit Age to determine creditworthiness.

Bill Pay

4Front's Online Bill Pay allows you to stay on top of your monthly finances with the utmost ease and turnkey efficiency. Free yourself from the hassle of writing checks and the clutter that comes with traditional bill payment methods. Bill Pay is a quick and easy alternative to paying your bills online.

Control and Convenience  |  A simpler way to pay your bills

No stamps, checks, or envelopes. Just a couple of clicks and your bill payments are mailed when and where you need them to be. Pay anyone in the United States that you normally pay by check or automatic debit, even if you don't receive bills from them. With 4Front's Bill Pay, you control who gets paid and when - best of all, it's FREE!

Start Simplifying  |  Enroll in Online Bill Pay today

To enroll, simply click on the "Bill Payment" tab under "Move My Money" after you log into online banking.

Need assistance? Help for current Bill Pay users is only a telephone call away. Connect with iPay, our Bill Pay provider, by dialing 866-812-5979.


Want to grow your savings? Plinqit is for you. This smart savings app links directly to your account and allows you to set up savings goals and gain rewards as you work towards them. You can set aside small amounts regularly or create a custom schedule of your own.

Credit Score, powered by SavvyMoney®

Credit Score Powered by SavvyMoney® is available to all 4Front Credit Union members through online banking or in the 4Front Go mobile app. It is a free service offered to help you understand your current credit score, give access to your credit report, provide credit monitoring alerts, and see ways you can save money on new and existing loans with us.

Online Banking Help

4Front Credit Union never stops seeking ways to better connect you with your funds. Virtually. Anywhere. We're pleased to offer a single online banking platform, assuring you access to your finances without having to learn the ins and outs of multiple programs. Check out our interactive How-to Videos to help take control of your digital banking experience. 

Frequently Asked Questions

What features does 4Front online banking offer?

Our online banking system delivers the ability to bank anytime, anywhere, and from any device – desktop, phone, and tablet – like never before...

  • Intuitive and connected navigation that gets you where you need to be with a few taps of your finger and the help of streamlined menus.
  • Consistency between online banking and 4FrontGo, the mobile app, makes transitioning between both platforms a snap. No more learning two systems to manage one account.
  • Customizable account alerts remind you of important account events, warn you about the status of your accounts, and notify you when transactions occur so you can stay on top of your finances.
  • 4FrontGo offers mobile check deposit technology, allowing you to take a picture of an endorsed check and deposit the funds directly into your eligible 4Front Credit Union checking and savings accounts.
  • Utilize 4Sight, your very own free personal financial management platform, to set your financial goals... and achieve them!


Online Banking How-to Videos

Online Banking at a Glance

This interactive demo will go over all the features our Online Banking has to offer.

I wish to take advantage of 4Front's online banking conveniences. How can I connect to these services for the first time?

Consumer and business members seeking to utilize desktop online banking may quickly connect with this service by opening the "Online Banking" dropdown in the upper right of the website and selecting 'ENROLL IN PERSONAL ONLINE BANKING' in the 'PERSONAL' tab. You'll be prompted to verify your identity and will be enjoying the convenience of 4Front's online banking in no time!

Using 4FrontGo, our super convenient mobile banking application, is only a download away! Visit our Mobile Banking page to select the right version for your device.


Online Banking How-to Videos

Enroll in Online Banking

In this interactive demo, you will learn how to enroll in online banking and set up eStatements.

How secure is 4Front's online banking service?

Users enjoy enhanced login security for added protection of your accounts with online banking, including the generation of a Secure Access Code for instances when users wish to log-in from a public computer terminal such as those found in libraries and coffee shops.

Is there a time limit for an online banking session?

For security purposes, each online banking session will automatically timeout and close after twenty minutes.

Are there differences between the Retail (personal) and Cash Management (business) versions?

Yes. The Cash Management version was designed exclusively for businesses and offers several service enhancements. These enhancements include individual user account management rights, wire transmission, and tax payment features.

What is a single sign on?

The term “single sign on” means that you will only need one set of login credentials to view all of your 4Front accounts within online banking.

Are there minimum hardware, operating system, and/or browser requirements for the new online banking platform?

Online Banking will run on a standard PC or Mac (Pentium IV/1 GHz processor or higher/500 Mb RAM or greater). Recommended minimum operating system requirements are XP SP3/Vista SP2/7/8 (Microsoft Windows) and Mac OS X (Apple).

For the best performance, it is recommended that you use Online Banking with a cable, DSL, or ISDN Internet connection. Dial-up is supported for the basic consumer users only.

Online Banking is generally compatible with the latest web browser versions including Microsoft Edge, Google Chrome, Mozilla Firefox, and Apple Safari. Available browser updates are recommended for improved security and greater anti-virus and spyware protection.

Online Banking users must provide a valid email address and telephone number.

What are the Login ID requirements?

Your Login ID must be 8 – 20 characters. It can contain letters and numbers, but special characters are not accepted.

What if I forget my Login ID?

You can reset your Login ID by visiting our Forgot Login page or by contacting our Member Services department at 800-765-0110.


Online Banking How-to Videos

Retrieve Forgotten Username

Learn how to retrieve your forgotten username by sending it to your mobile device or email.

What are the password requirements?

Your password must be 8 – 20 characters in length and must contain at least one capital letter, one lowercase letter, one number, and one special character. Your password cannot be the same as your Login ID. 


What if I forget my password?

To reset a forgotten password -

  1. On the Login page, click ‘Forgot your password?’
  2. Enter your Login ID and click Submit.
  3. On the Login page, click one of the contact methods that are on file for you. We will send you the code using the contact method that you selected.
  4. On the Secure Access Code page, enter the code and click submit. The New Password page appears.
  5. On the New Password page, enter your new password in the New Password field.
  6. Re-enter the password in the Confirm Password field.
  7. Click submit.


Online Banking How-to Videos

Reset Forgotten Password

Learn how to reset a forgotten password in the 4FrontGo Mobile Banking app.

Return to Top