CU*Talk Banking Service:
800–860–5704
Routing Transit Number: 272484247
If you need to report your card lost or stolen after hours call:
| Visa: | 800-847-2911 out of country 410-581-9994 collect |
|---|---|
| Debit: | 800-991-4961 |
| ATM: | 888-241-2510 out of country 909-941-1398 |
Member Benefits
ATM Cards
Your credit union is always with you, anytime or anyplace you need financial services involving instant cash. You can use your NCACU ATM card at any ATM machine with the NYCE Co-op or Cirrus logos nationwide. Transactions are free at ATM’s displaying the Co-op Logo. ATM's are located at all branch locations and are free when using and NCACU ATM card. Apply for your ATM card today; start by downloading the ATM card application.
Debit Visa Cards
The Debit Card works like a check allowing you to purchase items worldwide. Unlike a credit card that acts like a loan, a debit card accesses your checking account directly. Present your NCACU debit card to make a purchase anywhere in the country that offers VISA and the transaction will clear your checking account directly as if you have written a check. There are no fees and the card is accepted by merchants around the world.
Visa Credit Cards
NCACU has two credit card options. Our Visa Classic at 12.90 % and Visa Gold at 10.90% are available to all members depending on qualifications and credit records. There is no annual fee with either card.
Use your debit card the same way you use your Visa card without any monthly interest expense.
Don't have an NCACU Visa yet? Download the Visa Classic Credit Card Agreement or the Visa Gold Credit Card Agreement to get started.
Visa Score Card Travel Catalog
Card Lost or Stolen?
If your card is ever lost or stolen, call 1-800-828-3901 to report your card. You may be liable for fraudulent charges if you don't report your missing card in a timely fashion.
Visa Gift Cards
Visa Gift cards make the perfect gift. Members pay $3.00 service fee for each card and can purchase the card in any denomination up to $500. Visa Gift cards can be used like cash. (Some restrictions do apply at the gas pump and ATM machines).
Credit Life Insurance
For a low monthly fee added to your loan, credit life insurance pays the insured balance of your loan, up to the policy maximum, in the event of your death. This ensures your family will not be left with your loan debt. Ask your loan officer for details on your next visit.
Automobile Insurance
Get online quotes on auto insurance through AAA of Michigan and CUNA Mutual Insurance. Go to the related links section and click on AAA of Michigan or CUNA Mutual. Enter the requested information to get your insurance quote.
Credit Disability Insurance
In the event you become totally disabled by sickness or an accident, credit disability insurance pays your loan payments up to the policy maximum. The premium for this service is added to your regular loan payments. For full policy details ask a credit union representative.
It's Me 247 Online Banking
With online banking you can access your account 24 hours a day, 7 days a week through your personal computer. Transferring funds, balancing your checkbook, and printing your account history and canceled checks are all possible in the comfort of your own home. Read our Online Banking brochure for features, instructions and details about online banking.
CU*TALK Phone Services
CU*Talk allows you to access your account by phone no matter where you are across the state or country. Just call 800-860-5704 and enter the credit union code 135 to transfer funds, balance your check book or receive account information. Read our CU*TALK brochure for information and instructions.
Bill Pay Services
Online bill payment is a free service offered by NCACU. You can pay your bills directly through your credit union checking account. You can pay your mortgage, utilities, insurance or any other bills without leaving your home or paying for postage.
To apply for online bill pay service, log on to It's Me 247 Select the "Pay Bills" icon and fill out and submit the form online. Approval takes just 2-3 business days.
Direct Deposit
With direct deposit, your payroll, Social Security, or SSI payment goes straight to your checking or savings account. Money is delivered electronically to your account, no standing in line or checks being lost or stolen. Your money is always there on payment day as soon as the credit union opens.
Direct deposit is the best way to get your payments. It’s safer and easier, and it gives you more control over your money than a payroll or mailed check.
Go Direct! Call the toll-free Go Direct helpline: 800-333-1795 or go online to www.GoDirect.org to sign up or for more information.
The Go Direct campaign is sponsored by the U.S. Department of the Treasury and the Federal Reserve Banks. The Go Direct word and design mark is a registered service mark of the U.S. Department of the Treasury.
Business Accounts
Small business accounts can be opened at NCACU as long as the owner is a member of the credit union. Visit your nearest NCACU branch to open your business account.
Christmas Club
A Christmas Club Account is a good way to save for the holidays, as well as other year-end expenses, such as house insurance, tuition, and taxes. It's easy to apply for a club account, just stop in at any branch office for more information.
Deposits can be made at your convenience, whether you're doing It's Me 247 online banking, CU*Talk phone service or visiting a branch. With direct deposit or payroll deduction, it's easy to maintain the Christmas Club account. The money can be automatically transferred into your Christmas Club at each payroll period. Contact your employer to arrange to set up the direct deposit service. Your Christmas club money will rollover into your savings account annually on the first of November.
You can open your Christmas Club account anytime of the year, but why wait?
Courtesy Pay
Courtesy Pay protects you from the embarrassment of returned checks, and merchant returned checks. Courtesy Pay is a service that allows us to pay an item presented against your checking account even if it causes the account to become overdrawn. The system allows you to draw up to $500 over your account balance; a $28 overdraft fee will be included into this amount. The member is then given 30 days to bring their balance current. If additional checks are written when the balance is deficient an additional fee of $28 will apply. To qualify for Courtesy Pay your account has to be open for at least 60 days and maintain a good standing with the credit union. For more information on Courtesy Pay contact your local NCACU branch.
Free Financial Advising
When times are hard or when you just need to ask some questions, NCACU offers free financial advising. We urge all our members to explore their financial health, whether it is retirement plans or buying power. A financial advisor can help you discover better ways to invest and save your money for future retirement. A financial advisor can also advise you on long term care protection, life & health insurance, college funding, disability income, estate planning, as well as evaluating your personal finances and providing answers on how to achieve your financial objectives. For help, call your local branch to make an appointment.
Financial Seminars
Seminars on any financial topic are available upon request. For more information call Kathy at 800-732-6005 ext 5130.
Money Orders
NCACU offers money orders to all members for $1.00 increments of $1.00 to $1000. Larger amounts will be distributed in the form of a cashiers check.
Night Depository
All members can use the night depository box located in the drive through area of each branch.
Notary Services
Notary Services are available free of charge to NCACU members at all our branch locations. Non-members can purchase this service for $5.00.
Overdraft Protection
NCACU's overdraft protection is a service that has a very simple form to sign and allows the credit union to automatically pull money from a savings account to pay an overdraft from a checking account. This keeps checking accounts from having a non-sufficient fund fee. The charge for this protection is $2.00 per overdraft.
The overdraft reimbursement option is when you actually apply for a revolving loan to cover an insufficient balance in your checking account. This requires a credit score above 600, income verification, credit report and a signed contract just like a regular unsecured loan. This loan usually has a high interest attached and may be subject to service charges.
Shared Branching
Credit unions always look for new ways to serve their members better. With this in mind, your credit union is excited to announce its participation in the Xtend Shared Branching service. By teaming with Xtend, your credit union can now offer you service at over 90 credit union locations throughout Michigan, Northern Indiana and New York City, all with the same high level of customer service you have come to expect. Please click here to view the list of credit unions that participate in this program.
Checking Account Services
NCACU offers checking account services with a monthly statement and unlimited checks. Each check has an individual carbon copy receipt to help you keep track of the checks used. Your can view, print and balance your account and checks directly from our It's Me 247 online banking site.
Learn more about our convenient check ordering system:
Discount Phone Services for Members Only
Sprint Nextel is the fresh alternative in wireless service. As the single solution for people looking to make their individual marks on the world, Sprint Nextel celebrates and serves the need for communication.
Now, North Central Area Credit Union members can benefit with great discounts through the Sprint Nextel Credit Union Member Discount Plan:
- 10% off all monthly recurring charges (service rate plans, features, etc.).
- Number portability.
- Coast-to-coast coverage.
- Simplified calling plans.
- National rates with no roaming and long distance charges.
- Existing Sprint Nextel customers can also save.
- Plus, current Sprint Nextel promotions
If you're an existing customer please call:
866.853.4931 (Sprint)
Mention Root Node # 0130554459
800.390.9545 (Nextel)
Mention Corporate ID# NACUC_ZZM
For more information, visit them online at www.SprintSave4CU.com.
Postage
Stamps are available at each branch location
State Quarters
NCACU has partnered with Coins of America to offer you a variety of state quarters, sold in individually, in rolls, or in beautiful sets.
In addition to the state quarters, Coins of America offers a large variety of financial collectibles. From vintage coins and proofs to books and toys, Coins of America offers something for everyone.
For more information, visit http://www.coinsofamerica.com/
Wire Transfers
Wire money to any place in the world. Just visit our branch locations and tell us what your needs are.
- Domestic transfers – $15.00
- Foreign transfers – $35.00
