Account Questions
Q: What is my account and routing number for direct deposit?
A: Routing Number is 291580698, Account number is 00000 + account number (10 digits total)
Q: When are Night Deposit transactions processed?
A: Night Deposit Transactions are processed on the business day following the time the funds are dropped off in the Night Deposit Box.
Q: How do I stop the TruStage mailings?
A: To opt out of mailings from TruStage, please contact us at (715) 762-3208.
Q: Can I stop receiving my statements in the mail?
A: Yes, with our Online Banking, you can opt to receive your statements online. Under Online Services, click on e-Statements and opt into e-Statements. It will ask how you want to be notified about your statement’s availability, and you will receive a notification when your next statement is available to download.
Q: Do I need to notify the Credit Union of my travel plans?
A: It is best practice to notify us if you are going to be traveling out of state and out of the country so that nothing will disrupt your ability to access your funds.
Q: I need to make a larger withdrawal; do I need to make an appointment?
A: We do our best to accommodate our members. If you need to do a withdrawal of over $5,000.00, we ask that you give us notice at least five business days in advance, and we will be ready for you.
Q: Do you have Safe Deposit Boxes?
A: Yes, we offer them in our Park Falls office. See our Additional Services page for more information.
Online Banking
Q: How do I log in to online banking as a First-Time user?
A: For a first-time user, your login will be your NCCU account number. Your password is the Last 4 digits of the prime member's SSN. From there, it will lead you through setting up your security questions and updating your username and password so that it is not your sensitive information.
Q: What do the S1 and S8 mean after my account number?
A: Those Suffixes distinguish the separate accounts under the same account number. S1 refers to your Regular Share Savings, and S8 refers to your Share Draft, otherwise known as your Checking account.
Q: Can I get a copy of a past statement?
A: Yes, once you are logged into online banking, you can find the past 12 months’ statements under Online Services/e-Statements. If you are logged into the app, they are found under More/eDocuments/e-Statements.
Mobile Banking
Q: How do log in on the App for the first time?
A: You must first set up your username and password through our website with Online Banking, and then you can use those credentials to log in to the app. See the FAQ about first-time users in Online Banking.
Q: Can I deposit a check without bringing it to the bank?
A: Yes, through our app, you can sign up for our Remote Deposit service and make a remote deposit of a check to your account. Please endorse the check on the back as usual and beneath that write “For Mobile Deposit at NCCU only.”
Card Services
Q: What is my daily Debit Card limit?
A: Our Standard Limit is $500.00 cash, $500.00 point of sale
Q: How do I sign up for Debit Card alerts?
A: Sign in to your Online Banking Account. Under the Online Services menu at the top of the screen, choose Debit Card Alerts in the drop-down menu. It will take you to the Debit Card Alert site, where you can register, enter your debit card number, and set your preferences for alerts.
Q: How long will it take for me to receive my Debit Card in the mail?
A: Debit cards tend to take 10-14 business days to arrive in the mail.
Q: I’ve lost use of my Debit Card and I need a way to access my funds. What can you provide for me while I’m waiting for my new Debit Card to arrive?
A: We do provide Reloadable Travel Cards that can be used like a debit card while you are waiting for your new debit card to arrive. Contact us for more information about how to get this set up.
Q: When will my Debit Card PIN mailer come in the mail?
A: You will no longer receive a PIN Mailer in the mail separate from your debit card. There will now be a sticker on your new debit card when the debit card arrives in the mail that will give you the necessary instructions to set up your new PIN for your debit card.
Q: Does the Credit Union offer Credit Cards?
A: Yes, we offer three different credit cards for our members to choose from. Check out our Credit Card Page to learn more.
Q: What do I do if my card is lost/stolen?
A: You can either contact us at (715) 762-3208 or call the following numbers to report if your card has been lost or stolen.
If you have lost your Mastercard Debit Cards:
Lost/Stolen: (800) 523-4175
If you have lost your Mastercard and Visa Credit Cards:
Lost/Stolen: (800) 325-3678
Q: How can I get a replacement Debit Card or Credit Card?
A: If your card has been closed for fraud or if you are experiencing issues with your card’s chip or mag strip, please contact us at (715) 762-3208 to get a new card ordered for you.
Holiday Schedule
| Holiday | Date | Veterans' Day (closed) | 11/11/2025 |
|---|---|
| Thanksgiving Day (closed) | 11/27/2025 |
| Christmas Eve (closing at noon) | 12/24/2025 |
| Christmas Day (closed) | 12/25/2025 |
| New Year's Eve (closing at 3pm) | 12/31/2025 |
| New Year's Day | 1/1/2026 |
| Martin Luther King Jr. Day (closed) | 1/19/2026 |
| President's Day (closed) | 2/16/2026 |
| Good Friday (Lobby closes at noon; drive-up regular hours) | 4/3/2026 |
| Memorial Day (closed) | 5/25/2026 |
| Juneteenth Independence Day (closed) | 6/19/2026 |
| Independence Day Observed (closed) | 7/3/2026 |
| Independence Day (closed) | 7/4/2026 |
| Labor Day (closed) | 9/7/2026 |
| Columbus Day (closed) | 10/12/2026 |
Lending
Q: Does NCCU offer Reverse Mortgages?
A: No, NCCU does not provide Reverse Mortgages.
Q: I submitted an online application. How long until I hear about the status of that application?
A: We work on our loan applications on a first-come, first-served basis.(715) 762-3208 One of our lending staff will reach out to you once they have had a chance to review your application. If you would like to set up an appointment to discuss an application, please contact us at (715) 762-3208.
Q: I’m car shopping. Can I get pre-approved for a loan?
A: Yes, we do offer pre-approvals for you and provide you with a letter to take with you while you’re shopping.
Available Services
Q: How do I sign into MIA for the first time to get my balance, make transfers etc.?
A: Dial (855) 304-8786, enter your account number followed by the #sign, enter your PIN (last 4 of your SSN) followed by the #sign. You can change your PIN under the Main Menu by pressing 6.
Q: Do you have Notaries Available?
A: Yes, we have Notary Publics employed at the Credit Union, and there is no charge for using their services. They are generally available during our lobby hours of 9 a.m. -3 p.m. M-F. It helps to call ahead to make sure a Notary Public is in on any certain day.
Q: Does NCCU provide foreign currency exchanges?
A: No, NCCU does not provide foreign currency exchanges.
Q: Can I cash in my coins at NCCU?
A: We do have coin counters available at both offices. If you are a member with an account in good standing, we can cash your coin for you. Please come in during lobby hours, and one of our Member Service Representatives can assist you.
Benefits of a Credit Union
Q: Why do I have to have a savings account?
A: Credit Unions are member-owned. There is a minimum $5 deposit into a savings account required to be a member, and as a member, you are a part-owner of NCCU. This means you have a say in how we are run. This is contrary to how a regular bank would be operated.
Q: Is NCCU federally insured?
A: NCCU is backed by the National Credit Union Administration (NCUA), and your funds are insured by the National Credit Union Share Insurance Fund (NCUSIF). Your Share insurance coverage is similar to the deposit insurance coverage offered by the Federal Deposit Insurance Corporation (FDIC). The NCUSIF offers $250,000.00 in coverage to each share owner, per credit union, for each account ownership category.
For more information, contact us or visit ncua.gov.
Q: How are the Board of Directors chosen?
A: Contrary to regular banks, which hire individuals to fill these positions, our members have the ability to elect those appointed to the Board of Directors. The Board of Directors represents our members in making decisions and upholding policies. The election for our board members is held yearly, and a ballot for voting will be mailed to our members, which can be returned by mail or dropped off at one of our offices.
Q: How does NCCU differ from the bank down the street?
A: Since 1953, NCCU has been a not-for-profit business. This means that for our members, our interest rates tend to be better than the banking competition with fewer fees. We care about your financial well-being, and you can be confident that when you become a member of NCCU, your money works for you within our local communities.