Medical Mutual - Health Plans for Life

EFT/ERA Enrollment

EFT Enrollment

Simplify the payment process by signing up to receive direct reimbursement through Electronic Funds Transfer (EFT). EFT is a safe alternative to paper checks.


Benefits of using EFT:

  • Receive claim payments electronically through ACH Direct Deposit
  • Improve cash flow by receiving payment sooner
  • Eliminate bank fees associated with depositing paper checks or lockbox processing
  • Dispense with physically tracking paper checks and deposits
  • Receive online access to EOB (Explanation of Benefits)


Medical Mutual's EFT enrollment, changes, and cancellations are administered by PNC® Bank.


In preparation for registering, please have the following available:

  • Tax Identification Number
  • NPI
  • Bank Routing Number


For Frequently Asked Questions, instructions on registration, making changes or cancelling EFT, please login to PNC's website at the link below. Detailed instructions along with user tips and a step-by-step guide are located on the secure portion of PNC's website.


For questions regarding your existing EFT account, please call PNC at 1.877.597.5491, option 1.


Please see a copy of the PNC Remittance User Guide attached below for your convenience. The user guide will be transitioned and reside on PNC's website for future reference.

PNC Remittance Advantage User Guide


ERA Enrollment

The Electronic Remittance Advice(ERA), or 835, is the electronic transaction which provides claim payment information in the HIPAA mandated 5010A1 format. Save valuable time, reduce the posting process and eliminate paper notice of payment copies by registering for ERA. Enrollment is handled through EDI clearinghouses with a working relationship with Medical Mutual. ERA enrollment changes and cancellations are handled by your respective EDI clearinghouse. Please contact your EDI clearinghouse to begin to receive ERAs from Medical Mutual.


Helpful Hints - ERA/835 and Registration Process:

  • Delivery of the paper EOB will be discontinued after 31 days or 3 payments, whichever is longer
  • Take full advantage of the efficiency of electronic transactions by signing up for EFT when registering for ERAs. EFT eliminates paper checks, and funds are automatically deposited into the registered bank accounts.

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