Mountain Empire CC CU in Big Stone Gap: MECC Members – Official Customer Support Customer Care Number | Toll Free Number

Mountain Empire Credit Union (MECC), headquartered in Big Stone Gap, Virginia, has served as a cornerstone of financial stability and community empowerment for over seven decades. As a not-for-profit, member-owned financial cooperative, MECC offers personalized banking services tailored to the unique needs of individuals, families, and small businesses across the Appalachian region. For MECC members seeking reliable, responsive, and compassionate customer support, knowing the official customer care number is essential. This comprehensive guide provides everything you need to know about contacting Mountain Empire Credit Union — including its toll-free helpline, service channels, global access, industry impact, and frequently asked questions — all designed to empower members with confidence and clarity when navigating their financial journey.

Why Mountain Empire CC CU in Big Stone Gap: MECC Members – Official Customer Support is Unique

What sets Mountain Empire Credit Union apart from traditional banks and even other credit unions is its deep-rooted commitment to community over commerce. Founded in 1949 to serve the employees of the Mountain Empire Coal Company, MECC has evolved into a full-service financial institution that prioritizes member well-being above profit margins. Unlike for-profit banks that often outsource customer service to distant call centers, MECC maintains local, in-person support teams in Big Stone Gap and surrounding communities. This localized approach ensures that every member interaction is handled by someone who understands the economic realities, cultural context, and personal challenges faced by residents of Southwest Virginia.

MECC’s philosophy is built on the credit union principle of “people helping people.” This means that when you call their customer support line, you’re not speaking to a scripted automated system — you’re connecting with trained financial advocates who have the authority to solve problems, waive fees, and offer customized loan solutions. Whether you’re a retiree managing a fixed income, a young family applying for a first-time home loan, or a small business owner seeking working capital, MECC’s support team treats you as an individual, not a transaction.

Additionally, MECC invests heavily in financial literacy programs, free credit counseling, and community workshops — initiatives rarely found in commercial banking institutions. Their customer support doesn’t just answer questions; it educates, empowers, and builds long-term financial resilience. This holistic approach to service has earned MECC consistent recognition from the National Credit Union Administration (NCUA) and local business associations for excellence in member service and community impact.

Mountain Empire CC CU in Big Stone Gap: MECC Members – Official Customer Support Toll-Free and Helpline Numbers

For MECC members in Big Stone Gap and beyond, accessing timely customer support is simple and straightforward. Mountain Empire Credit Union provides multiple contact options, but the most reliable and widely used channel is its official toll-free customer care number. Members can reach a live representative 24/7 through the following verified contact details:

Official Toll-Free Customer Support Number

1-800-832-2222

This number is active 365 days a year, including holidays, and connects you directly to MECC’s centralized support center staffed by certified financial service professionals. Whether you need to report a lost debit card, check your account balance, dispute a transaction, apply for a loan, or schedule an appointment with a financial advisor, this number is your primary gateway to personalized assistance.

Local Customer Service Line (Big Stone Gap)

276-523-3500

For members who prefer to speak with someone locally or wish to visit in person, the Big Stone Gap headquarters offers a dedicated customer service line. This number is ideal for scheduling branch appointments, requesting notary services, or discussing complex financial planning needs with a local loan officer. The Big Stone Gap office is open Monday through Friday from 8:30 AM to 5:00 PM EST, and Saturday from 9:00 AM to 12:00 PM EST.

24-Hour Automated Banking Line

1-800-832-2222 (Press 1 for Self-Service)

For quick balance checks, recent transaction history, or PIN resets, MECC offers a secure automated system accessible anytime via the toll-free number. The system uses voice recognition and account verification to ensure your information remains private and secure. While automated, this system is intuitive and designed to resolve common inquiries without requiring live assistance.

Emergency Support for Lost or Stolen Cards

1-800-554-8969 (Nationwide Debit/Credit Card Hotline)

In the event your MECC debit or credit card is lost, stolen, or compromised, immediately call this dedicated fraud prevention line. This number is monitored 24/7 by security specialists who can freeze your card, issue a replacement, and monitor for suspicious activity across all your MECC accounts. This line is separate from general customer service to ensure rapid response during critical incidents.

All MECC contact numbers are verified and listed on the official website: www.mountainempirecu.org. Members are strongly advised to bookmark this site and save these numbers in their phones to avoid falling victim to phishing scams or fraudulent third-party services that may mimic MECC’s branding.

How to Reach Mountain Empire CC CU in Big Stone Gap: MECC Members – Official Customer Support Support

Mountain Empire Credit Union understands that members have different preferences when it comes to communication. Whether you prefer speaking on the phone, visiting in person, sending an email, or using digital tools, MECC offers multiple secure and efficient channels to ensure you’re never left without support.

1. Phone Support

As outlined above, calling the toll-free number (1-800-832-2222) is the fastest way to reach a live representative. Wait times are typically under 90 seconds during business hours, and extended hours are available on weekdays until 7:00 PM EST. After-hours calls are routed to a secure voicemail system with guaranteed callback within four hours.

2. In-Person Visits

MECC operates five branch locations across Southwest Virginia, with its flagship office located at:

Mountain Empire Credit Union – Big Stone Gap Headquarters

111 Main Street, Big Stone Gap, VA 24219

Branch hours are Monday–Friday: 8:30 AM–5:00 PM, Saturday: 9:00 AM–12:00 PM. Appointments are recommended for loan applications, financial planning sessions, or notary services. Walk-ins are welcome for basic transactions like deposits, withdrawals, and account inquiries.

3. Online Banking & Secure Messaging

MECC’s secure online banking portal allows members to send encrypted messages directly to customer service representatives. To access this feature:

• Log in to your account at online.mountainempirecu.org
• Click “Messages” in the navigation menu
• Select “New Message” and choose the appropriate department (e.g., Loans, Cards, Account Services)

Responses are typically provided within 24 business hours. This method is ideal for non-urgent inquiries, document submissions, or detailed questions requiring written confirmation.

4. Mobile App Support

MECC’s mobile app, available for iOS and Android, includes a built-in chat feature with live customer service agents. The app also allows members to freeze/unfreeze cards, report fraud, locate nearby ATMs, and deposit checks via mobile capture. To download the app, search “Mountain Empire CC CU” in your device’s app store or visit the official website’s mobile section.

5. Email Support

For formal inquiries or documentation requests, members may email customer service at: support@mountainempirecu.org. Emails are answered within two business days. Please include your full name, member ID, and a clear description of your request. For security reasons, do not send sensitive information such as Social Security numbers or account passwords via email.

6. Social Media and Live Chat

MECC maintains active profiles on Facebook and LinkedIn, where members can send direct messages for general inquiries. While these channels are not intended for account-specific issues, they are useful for learning about community events, financial tips, and service updates. A live chat widget is also available on the MECC website during business hours for real-time assistance.

Worldwide Helpline Directory

While Mountain Empire Credit Union primarily serves residents of Virginia’s Appalachian region, its membership eligibility extends to individuals with family ties, workplace affiliations, or community connections across the United States. Additionally, MECC members traveling internationally may need access to emergency financial services. Below is a curated directory of international support resources available to MECC members:

International Emergency Assistance

MECC partners with Visa and Mastercard to provide global emergency services for cardholders. If you’re abroad and experience card loss, theft, or need emergency cash:

• Visa Emergency Services: +1-800-847-2911 (Collect calls accepted worldwide)
• Mastercard Global Service: +1-636-722-7111 (Available 24/7, collect calls accepted)

These services can arrange emergency cash disbursement, card replacement, or assistance with lost luggage claims — all coordinated through your MECC account.

Overseas ATM Access

MECC debit and credit cards are accepted at over 1.8 million ATMs worldwide through the Allpoint and CO-OP networks. To locate an ATM abroad:

• Visit www.allpointnetwork.com and use the ATM locator
• Use the MECC mobile app’s “Find ATMs” feature with GPS enabled

MECC waives foreign transaction fees for ATM withdrawals up to $500 per month — a benefit rarely offered by traditional banks.

Global Customer Service Hotlines (For MECC Members)

While MECC’s primary support center is in Virginia, members outside the U.S. can still access support through the following international dialing options:

• Canada: Dial 1-800-832-2222 (same as U.S.)
• United Kingdom: Dial +1-800-832-2222 (free via VoIP or international calling plan)
• Australia: Dial +1-800-832-2222 (standard international rates apply)
• Germany, France, Japan: Use a VoIP service (e.g., Skype, WhatsApp) to call 1-800-832-2222

MECC does not maintain overseas call centers, but all international callers are routed to the same U.S.-based support team with multilingual capabilities. Spanish-speaking representatives are available upon request.

About Mountain Empire CC CU in Big Stone Gap: MECC Members – Official Customer Support – Key Industries and Achievements

Mountain Empire Credit Union’s influence extends far beyond its branch walls. Over the past 75 years, MECC has played a pivotal role in revitalizing the economic landscape of Southwest Virginia, particularly in the wake of the decline of the coal industry. Its mission has evolved from serving coal miners to empowering a diverse range of industries and individuals — making it one of the most impactful community financial institutions in the region.

Key Industries Supported by MECC

1. Healthcare

With the expansion of Appalachian Regional Healthcare and local clinics, MECC has become a preferred financial partner for nurses, technicians, and administrative staff. The credit union offers specialized loan programs for healthcare workers, including low-interest personal loans for continuing education and flexible repayment plans for those on rotating shifts.

2. Education

MECC partners with the University of Virginia’s Wise Campus, Southwest Virginia Community College, and local K-12 school districts to provide student banking programs, tuition payment plans, and scholarships. Every year, MECC awards over $100,000 in scholarships to high school seniors pursuing higher education — a testament to its investment in the region’s future.

3. Small Business & Entrepreneurship

MECC’s Small Business Lending Program has funded over 1,200 local startups since 2010, with a 92% repayment rate — significantly higher than the national average. From coffee shops and craft breweries to tech-enabled farming operations, MECC provides tailored financing, business planning workshops, and mentorship through its “Grow Local” initiative.

4. Agriculture & Rural Development

In a region where family farms still thrive, MECC offers agricultural loans with seasonal payment structures, equipment financing, and land purchase programs designed for small-scale farmers. The credit union also partners with the USDA to deliver rural development grants and financial education to farming families.

5. Veterans & Military Families

MECC is a proud supporter of veterans and active-duty military personnel. It offers zero-fee checking accounts, reduced-rate auto loans, and home loan programs with no down payment required. The credit union also hosts annual veteran job fairs and provides financial counseling to transitioning service members.

Notable Achievements

• 2023 NCUA Community Charter Award – Recognized for outstanding service to low-income and underserved populations.
• 2022 Virginia Credit Union League “Credit Union of the Year” – Honored for innovation in digital banking and member education.
• Over 50,000 Members Served – Growth from 500 members in 1949 to over 50,000 today.
• $850 Million in Assets – One of the largest credit unions in Southwest Virginia.
• 100% Member-Owned – Every member has an equal vote in governance, regardless of account size.
• 100% Insured by NCUA – All deposits are federally insured up to $250,000.

These achievements underscore MECC’s unwavering commitment to ethical finance, community reinvestment, and member empowerment — values that are reflected in every customer support interaction.

Global Service Access

Although Mountain Empire Credit Union is rooted in the Appalachian region, its services are designed to be accessible to members wherever they are — whether they’ve relocated, are traveling, or have family abroad. MECC’s digital infrastructure ensures seamless access to core banking functions across borders.

Remote Account Access

Through its secure online banking platform and mobile app, MECC members can:

• Check balances and transaction history in real time
• Transfer funds between accounts
• Pay bills and set up recurring payments
• Deposit checks using smartphone camera technology
• Apply for loans and receive pre-approvals in under 15 minutes

All digital services are encrypted with bank-grade SSL and multi-factor authentication to ensure security, even when accessed from public Wi-Fi networks abroad.

International Wire Transfers

MECC offers international wire transfer services through its partnership with SWIFT. Members can send funds to over 200 countries with competitive exchange rates and transparent fee structures. Fees start at $25 for outgoing transfers, with no hidden charges.

Foreign Currency Services

While MECC does not hold foreign currency on hand, members can order foreign currency (EUR, GBP, CAD, MXN, etc.) for pickup at the Big Stone Gap branch with 48-hour notice. For larger amounts or frequent travelers, MECC offers a pre-paid travel card loaded with multiple currencies — a safer alternative to carrying cash.

Language and Accessibility Support

MECC is committed to inclusivity. Customer service representatives are trained to assist members with limited English proficiency, hearing or visual impairments, and mobility challenges. Spanish-language support is available via phone, email, and in-person. ASL interpreters can be scheduled for branch visits upon request.

24/7 Fraud Monitoring

MECC employs AI-driven fraud detection systems that monitor transactions in real time, regardless of location. If unusual activity is detected — such as a large withdrawal in a foreign country — you’ll receive an immediate alert via text, email, or app notification. You can then confirm or dispute the transaction instantly through the mobile app.

FAQs

Q1: What is the official customer care number for Mountain Empire Credit Union?

A: The official toll-free customer care number for MECC members is 1-800-832-2222. This number connects you to live representatives 24/7.

Q2: Is MECC a bank or a credit union?

A: MECC is a not-for-profit credit union, meaning it is owned by its members — not shareholders. Profits are returned to members through lower loan rates, higher savings yields, and reduced fees.

Q3: Can non-members call MECC customer service?

A: While MECC’s customer service team primarily assists members, they can provide general information to non-members about membership eligibility, services, and branch locations. However, account-specific details are protected under federal privacy laws and require authentication.

Q4: How do I report a lost or stolen MECC debit card?

A: Immediately call the emergency card hotline at 1-800-554-8969. You can also freeze your card instantly through the MECC mobile app or online banking portal.

Q5: Does MECC offer mobile check deposit?

A: Yes. MECC’s mobile app allows members to deposit checks by taking a photo of the front and back. Funds are typically available within one business day.

Q6: Are there any fees for using MECC ATMs?

A: No. MECC members can use any MECC ATM or any ATM in the Allpoint or CO-OP network without incurring fees. Non-MECC ATM fees are reimbursed up to $15 per month for qualifying accounts.

Q7: Can I apply for a loan online?

A: Yes. MECC offers online applications for auto loans, personal loans, home equity loans, and mortgages. You can complete the entire process digitally and receive a decision in as little as 15 minutes.

Q8: How do I become a member of MECC?

A: You are eligible to join MECC if you live, work, worship, or attend school in one of the following Virginia counties: Wise, Scott, Lee, Dickenson, Buchanan, or Russell. Family members of existing members are also eligible. Visit www.mountainempirecu.org/join to apply.

Q9: Does MECC offer financial education resources?

A: Absolutely. MECC provides free workshops on budgeting, credit repair, homeownership, and retirement planning. Materials are available online and in-person at all branch locations.

Q10: Is MECC FDIC insured?

A: No — MECC is insured by the National Credit Union Administration (NCUA), which provides the same $250,000 federal insurance coverage as the FDIC. Your deposits are 100% protected.

Conclusion

Mountain Empire Credit Union in Big Stone Gap is far more than a financial institution — it is a pillar of community resilience, a beacon of ethical banking, and a trusted partner in the financial lives of tens of thousands of Virginians. For MECC members, knowing the official customer support number — 1-800-832-2222 — is not just a convenience; it’s a lifeline to personalized, compassionate, and empowered financial care.

Whether you’re navigating a home purchase, managing debt, protecting your identity, or simply checking your balance, MECC’s commitment to service excellence ensures you’re never alone. With 24/7 phone support, local branches, digital tools, and global accessibility, MECC bridges the gap between traditional banking and community-centered finance.

As the economic landscape continues to evolve, MECC remains steadfast in its mission: to serve people, not profits. By choosing MECC, members don’t just gain a financial partner — they join a movement dedicated to building stronger, more secure communities, one member at a time.

Save this guide. Bookmark the website. Store the number. And remember — when you need help, MECC is always here for you.