Checking Accounts
Basic Checking
NCCU offers many great share draft (checking) account options. All of our checking accounts offer:
FREE Debit/ATM Card
FREE Online Banking
FREE 24-Hour Member Information Attendant (MIA) 24-Hour checkbook balancing
Immediate check copies—duplicates (you can request that your canceled checks be returned – for a fee)
Automatic transfer from share savings to cover an overdraft
Overdraft protection (to qualified applicants)
Free Checking
$25.00 minimum to open an account
No minimum balance requirements
Unlimited check writing
No monthly per item charges
As an added convenience, receive your monthly statements electronically. This is a free service that allows you to reduce the paper coming in the mail, and get your statement quickly. Signing up for e-Statements is quick and easy!
Have a smartphone or tablet? Download our free mobile banking app and manage your finances any time, anywhere!
Preferred Checking
$100.00 minimum to open an account
$1,000.00 minimum balance to earn dividends
Up to 15 checks clear your account free each month (25 cents for each additional check)
Interest bearing—dividends are calculated daily and compounded and paid monthly
No fee unless balance falls below $1,000.00 at any time during the month, then a $4.00 fee will be applied
Preferred Plus Checking
$250.00 minimum balance to open an account
$2,500.00 minimum balance to earn dividends
Up to 15 checks clear your account free each month (15 cents for each additional check)
Interest bearing—dividends are calculated daily and compounded and paid monthly
Three FREE money orders per year
No fee unless balance falls below $2,500.00. Then a $6.00 fee will be applied
As an added convenience, receive your monthly statements electronically. This is a free service that allows you to reduce the paper coming in the mail, and get your statement quickly. Signing up for e-Statements is quick and easy!
Have a smartphone or tablet? Download our free mobile banking app and manage your finances any time, anywhere!
Premier Checking
As a Premier Account Member, you will need to maintain the “Premier Checking Account” (as stated below). Your Premier membership awards you slightly higher rates on your deposits, plus these bonus benefits:
Add .05% to the dividend rate for any new non-promotional Share Certificate of Deposit
$250.00 credit towards closing costs associated with any NCCU mortgage loan closing with a minimum advance of $10,000.00 new money
$50.00 credit towards processing fees and closing costs associated with the opening of any new NCCU Home Equity Line of Credit – HELOC
One free box of checks/year for the Premier Checking Account
No fee official checks (limit one per month)
Free notary service
One year free rental of an NCCU Safe Deposit Box (subject to Safe Deposit Box availability). Box Size is restricted to a 3”x 5” x 21” or a $20.00 credit towards a larger or existing box. This is a once per lifetime membership discount
Free online banking, mobile banking, e-Statements, and MIA
Free debit card
Bonus benefits are available as long as the minimum average daily balance required for Premier Checking is maintained. If the average daily balance falls below $5,000, bonus benefits are revoked until the minimum balance requirement has been met for one full dividend period. At that time all bonus benefits will be reinstated. If the Premier Relationship is ended, all rates and accounts affected will drop to the basic rates.
Premier Checking is limited to personal accounts only – no business or corporate accounts qualify.
** If the balance in your Premier Checking falls below the $5,000.00 minimum average daily balance for the month, in addition to the $25.00 monthly service fee, the dividend rates on the Premier Checking and all related Premier Products will also change. The Share Savings Account Premier Rates and IRA Premier Rates will default to the lowest rate paid on any share savings account or IRA offered by NCCU at the time of the rate change. The lowest rate will remain in effect for all of the Premier products until the minimum balance requirement of Premier checking has been met for one full dividend period. At that time all Premier products will revert back to the Premier APY. Fees could reduce the earnings on the account.
*** Accounts cannot be aggregated.
As an added convenience, receive your monthly statements electronically. This is a free service that allows you to reduce the paper coming in the mail, and get your statement quickly. Signing up for e-Statements is quick and easy!
Have a smartphone or tablet? Download our free mobile banking app and manage your finances any time, anywhere!
Some restrictions may apply. This credit union is federally insured by the National Credit Union Administration.
Advantage 60
Advantage 60 Checking
For our senior members, age 60 and over, we offer one FREE box of Advantage 60 checks per member each year, reduced fees on travelers cards, money orders, and official checks.
Student Checking
Going away to school? Take Northwoods Community Credit Union with you! We offer great options that allow students to access their money without having to live near an NCCU office.
Students who open their checking account with us can get their first 50 Student Checks FREE. Our FREE debit cards are a great option for students, as well as our FREE online banking and our FREE mobile banking app. Download our app today to begin accessing your funds anytime, anywhere!
Checks
Northwoods Community Credit Union offers affordable checks for our members through a locally owned and operated check printing company, Checks For Less. If this is your initial order with Checks For Less, you will need to contact NCCU so that your account information can be entered for the first time. If this is a reorder, visit Checks For Less our online ordering website.
Checks For Less offers great pricing on their checks.
All prices include tax & shipping, register, and vinyl cover. We also offer business checks, deposit tickets, and stamps. For more information and detailed pricing on those items, please call or visit your local NCCU office.
We offer many styles of catalog checks.
Debit Card
If you are an NCCU member with a checking account, our Debit Mastercard offers convenient access to your money in two different ways.
Use your debit card at an ATM to withdraw cash from your share savings or checking accounts 24 hours a day, 7 days a week from any ATM. You can also check your balances or make transfers between your savings and checking accounts. NCCU is a member of the Alliance One Network, so you have access to hundreds of surcharge-free ATMs nationwide. Check http://www.allianceone.coop/ before heading out of town.
Use your debit card to make purchases anywhere Mastercard is accepted by swiping it like a credit card. However, instead of the expense ending up on your credit card bill, it is simply deducted from your checking account.
For all members of Northwoods Community Credit Union, we offer the convenience of a debit card/ATM card to withdraw funds as needed.
For more information on how to obtain a debit card please call any one of our branches.
Park Falls branch: (715) 762-3208
Ashland branch: (715) 682-9099
Debit Card Alerts
Debit card alerts inform you whenever your debit card is used. It’s easy to stay informed of activity on your account by using these alerts. There is no charge to you for these alerts.
They are easy to set up. You choose the alerts you want, and how you would like to be notified – via email or SMS text message* or both. Sign up for NCCU debit card alerts.
*Mobile carriers’ message and data rates may apply when using these alerts.
Lost/Stolen
Mastercard Debit Cards:
Lost/Stolen: (800) 523-4175 (24/7)
Fraud: (800) 327-8622 (24/7)