Frequently asked questions

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Visit our rates page to find rates for share certificates, savings, money market savings, checking, personal and auto loans and credit cards. For all other rate information, call: 1-800-296-8871.

Yes, we offer a range of mortgage loan options, home equity loans and lines of credit, home improvement loans, raw land loans, and refinancing options. For more information, call our mortgage department at: 218-625-8580.

To change your payroll deduction, you can stop by a branch, or call our Member Solutions Center at: 1-800-296-8871. We can fax a form to you.

If your debit, ATM or credit card is lost, stolen, or fraudulently used, please contact us immediately at 1-800-296-8871.

You can apply online for many loans, use our video banking service, call our Member Solutions Center at: 1-800-296-8871, or come into any of our offices to apply in person.

Payments and deposits should be mailed to the following addresses:

Payments:
Members Cooperative Credit Union
P.O. Box 161618
Duluth, MN 55816

General Mail:
Members Cooperative Credit Union
P.O. Box 161527
Duluth, MN 55816

Financial Health Solutions Mail:
Members Cooperative Credit Union
P.O. Box 161588
Duluth, MN 55816

View all our holiday closures. As always, you can access your accounts 24/7/365 with online banking or our mobile app and our network of ATMs.

We have offices in Aitkin, Baxter, Cloquet, Duluth (BlueStone, Miller Hill and Spirit Valley), Grand Rapids, Isanti, McGregor, Moose Lake, North Branch and Sandstone. For addresses and maps see our Branch & ATM page.

Please visit our Branch & ATM page for branch business hours.

Our fax number is: 218-625-3018.

It’s likely that you may be! Please visit Become a member, give us a call at: 1-800-296-8871, or stop by a branch location.

You can change your address by logging into online banking and securely making updates.

Send us an e-mail and share your thoughts with us at: memberservice@membersccu.org!

Members Cooperative Credit Union makes accurate credit reporting a priority and will promptly investigate dispute claims when the following is provided:

Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address and telephone number of the consumer;

The specific information that the consumer is disputing and an explanation of the basis for the dispute; and

All supporting documentation or other information reasonably required by the credit union to substantiate the basis of the dispute (e.g., a copy of consumer report allegedly containing the inaccurate information, a police report, ID theft affidavit, court order, account statements, etc.)

The credit union is not required to investigate disputes that are determined to be frivolous. To make a credit reporting discrepancy claim, please submit the credit dispute report form contained in the link below along with the information listed above. The mailing address is: Members Cooperative Credit Union, P.O. Box 161527, Duluth, MN 55816.

Credit Dispute Report Form

Visit our rates page to find rates for share certificates, savings, money market savings, checking, personal and auto loans and credit cards. For all other rate information, call: 1-800-296-8871.

Yes, we offer a range of mortgage loan options, home equity loans and lines of credit, home improvement loans, raw land loans, and refinancing options. For more information, call our mortgage department at: 218-625-8580.

You can apply online for many loans, use our video banking service, call our Member Solutions Center at: 1-800-296-8871, or come into any of our offices to apply in person.

Payments and deposits should be mailed to the following addresses:

Payments:
Members Cooperative Credit Union
P.O. Box 161618
Duluth, MN 55816

General Mail:
Members Cooperative Credit Union
P.O. Box 161527
Duluth, MN 55816

Financial Health Solutions Mail:
Members Cooperative Credit Union
P.O. Box 161588
Duluth, MN 55816

Penny helps us deliver a great member experience. Penny can serve you 24/7/365, whenever the time is best for you. There’s no wait time, and you can get answers to frequently asked questions, right from each page of our website.

With Penny, you can do a lot:

• Get answers to frequently asked questions
• Be directed to relevant information on our website
• Learn more about what you can do within online banking
• Get information about products and services, with links to apply online
• And much more!

Penny won’t have all the answers; specialized topics will require support from one of our human team members. If that happens, please connect with a team member through an appropriate channel (phone, Video Banking, etc.) during regular business hours.

Penny will ask you for clarification up to three times. If the request still needs to be clarified, please reach out to one of our team members via Video Banking or phone, who can assist you.

You can ask as many questions as you’d like!

Nope! There are no limitations on how many members Penny can help at any time. She’s a great multitasker.

The service is secure, and personal information is safe. However, we ask that you don’t share your account number, username, PIN, or full social security number in a chat.

Yes. Card Secure works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.

Yes— cardholders can register multiple cards within a single Card Secure app. Additional cards can be added within the Settings – Add Card screen.

There is no limit.

The primary device is used to track the GPS for My Location alerts and controls and all merchant and threshold alerts will be sent to the primary device. All devices that have registered a particular card can view or change the Card Secure settings for that card. Controls (including the On/Off setting) are set at the card level, so the last update to a control will be honored regardless of which phone was used to make the change. Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device. The primary device can be reset by accessing Settings – Primary Device.

If the card number is new, then it must be added to the user profile. In addition, the old card can be deleted by accessing Card Secure in the menu.

The My Location controls and alerts check to ensure the merchant location is within a five-mile radius of the device set as primary within Card Secure. These controls impact card-present transactions only, so internet transactions aren’t impacted.

Card Secure ignores location information that’s more than one hour old. So, if the phone is off for more than an hour, My Location controls won’t take effect, and the transaction won’t be denied on the basis of the old location information.

Card Secure performs a proximity check at the granularity of ZIP Code or city, so if the merchant is close to home then the transactions will still go through.

Yes. International transactions can be blocked using the International location control. Transactions will be limited to the United States.

Previously authorized recurrent payments will continue to process and will bypass the Card Secure edit checks.

Control settings take effect as soon as the Updating information message in the app stops.

Users can set the Do Not Disturb time that will suppress notifications during set times. Some notifications will still be delivered, for example, any transaction denial or any transaction that is a card-present authorization.

My Location is only effective for the enrolled user. To limit the youth account holder’s card, the user can use the Region feature to set usage preferences for where the card can be used. Set the location preference to Region in the drop-down menu, then add a New Region to set the map to the area where the card may be used.

The region shows the approximate area where the card can be used. Card Secure can typically map the transaction down to a ZIP Code or city. If the city or ZIP Code of the merchant overlaps with the selected region on the map, then the transaction can still go through. There are instances where a merchant location can’t be mapped down to a ZIP Code or city, in which case Card Secure will default to a state-level match.

Specific merchant types have been created within Card Secure, and these merchant types can be used for controls or alerts via the Alert Preferences or Control Preferences screens. Each of the merchant types contains various merchant category codes (MCCs). Please note that it’s possible for a retailer to forward an MCC that may differ from the Card Secure merchant type classification. Merchant types currently supported include: department store, entertainment, gas station, grocery, household, personal care, restaurant, travel, and others.

Card Secure alerts are sent as push notifications to the phone. The alerts also display under Messages in the Card Secure app.

Yes, an alert is generated regardless of whether or not a control preference is set.

No, the alerts are consolidated into one message. For example, if the message has violated Threshold and Location settings, you’ll see only one alert, not multiple alerts.

Yes, the app shows the last 50 card-based transactions posted within the last 30 days.

There are some merchant types where a merchant will pre-authorize the card for an amount that may be larger than the actual transaction amount. In this instance the pre-authorization amount must meet the threshold spend limit.

Card Secure only shows the transactions that are performed with the card. It doesn’t show the transactions that are done on the account without using your card, such as teller transactions or bill pay on an account.

Text banking is an easy, fast and secure way of banking while using the texting capabilities of your mobile phone. With text banking, you can find out the balance and transactions of your accounts on the go, just by texting.

You’ll need to enroll in text banking either online (desktop) or on mobile (browser or app) devices. For desktop, go to the Additional Services menu and the Profile Updates tab to enroll. On the mobile app, go to the Customer Service menu item. You’ll need a mobile phone with texting capabilities. Standard messaging and data rates may apply.

Text banking is free to enroll and use, however, your mobile wireless carrier may charge you standard data and messaging rates. Please contact your carrier for messaging and data rates.

The commands for text banking are:

bal – Returns the balance on your primary checking or savings account.

hist – Returns the history with the last five transactions on your primary account.

more – The more command is used with the hist command. When you text hist, it returns the last five transactions. To get the next five transactions, simply text more. Texting more repeatedly will return transactions until there aren’t any more available.

nick – Returns a list of all your account nicknames.

help – Returns a list of all commands.

stop – Unsubscribes the phone from text banking.

Yes, you should create short nicknames to use with text banking. It’s a lot easier to request the balance of a specific account with a short nickname, and it makes the reply shorter.

No, the commands are not case-sensitive. You can text BAL, Bal, or bal, which would all mean the balance command.

We don’t transfer any account numbers, passwords or sensitive information. The phone is assumed to be secure with the owner and it’s the owner’s responsibility to lock the phone for privacy. The balance and transaction history being returned from your account remain in your messaging history until deleted.

You can remove a phone from text banking by two methods:

1) Texting back STOP will remove the phone from text banking, or
2) From your online (desktop) or mobile (browser or app) device, go to the Text Banking screen from Additional Services > Profile Updates > Text Banking. Here you can delete the phone number you want to remove.

Note that you’ll need to enroll the phone number again the next time you want to use that phone for text banking.

If you have questions, please contact us at: 1-800-296-8871.

You can apply online for many loans, use our video banking service, call our Member Solutions Center at: 1-800-296-8871, or come into any of our offices to apply in person.

Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.

You can send money to friends, family and others you trust. Since money is sent directly from your credit union account to a third party’s account within minutes, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

To get started, log into online banking or the mobile app and navigate to the Send Money With Zelle tab. To enroll, accept the terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you’ll receive a one-time verification code. Enter it and you’re ready to start sending and receiving with Zelle.

To send money using Zelle, simply add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review, then hit Send. In most cases, the money is available to your recipient in minutes.

To request money using Zelle, choose Request, select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit Request.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

If you’ve already enrolled with Zelle, you don’t need to take any further action. The money will be sent directly to your Members account and will be available typically within minutes.

If you haven’t enrolled with Zelle, follow these steps:

1. Click on the link provided in the payment notification you received by email or text message.
2. Select Members Cooperative Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification– you should enroll with Zelle using that email address or the U.S. mobile number where you received the notification, to ensure you receive your money.

Zelle is a great way to send money to family, friends and people you’re familiar with, like your babysitter or neighbor.

Since money is sent directly from your credit union account to a third party’s account within minutes, Zelle should only be used to send money to friends, family and others you trust.

Neither Members Cooperative Credit Union nor Zelle offers a protection program for any authorized payments made with Zelle— for example, if you don’t receive an item you paid for, or the item is not as described or as you expected.

It’s easy— Zelle® is already available within the Member mobile app and in online banking within bill pay! Check our app or sign in online and follow a few simple steps to enroll with Zelle today.

You can find a full list of participating banks and credit unions with Zelle here. If your recipient’s financial institution isn’t on the list, don’t worry! The list is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S.-based account (does not include U.S. territories). Zelle doesn’t accept debit cards associated with international deposit accounts, or any credit cards.

In order to use Zelle®, the sender’s and recipient’s bank or credit union accounts must be based in the U.S.

Yes! They’ll receive a notification via email or text message.

Keeping your money and information safe is a top priority for Members. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your credit union account safe.

When you enroll with Zelle through your online banking Bill Pay account or mobile banking app, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled are shared with Zelle (no sensitive account details are shared— those stay with Members Cooperative Credit Union.)

When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies Members of the incoming payment. Members then directs the payment into your credit union account, all while keeping your sensitive account details private.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select Cancel This Payment.

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank or credit union account and can’t be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call our member service team so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Members Cooperative Credit Union but are a separate service from Zelle and can take one to three business days to process.

You can cancel a payment that is scheduled in advance if the money hasn’t already been deducted from your account.

Money sent with Zelle is typically available to an enrolled recipient within minutes.

If you send money to someone who isn’t enrolled with Zelle, they’ll receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient’s account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact our member support team at: 1-800-296-8871.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you shouldn’t use Zelle for this type of transaction.

These transactions are potentially high risk (just like sending cash to a person you don’t know). Neither Members Cooperative Credit Union nor Zelle offer a protection program for any authorized payments made with Zelle– for example, if you don’t receive the item you paid for or the item isn’t as described or expected.

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our member support team and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle.

Once member support moves your email address or U.S. mobile phone number, it will be connected to your credit union account so you can start sending and receiving money with Zelle through your Members mobile app and online banking.

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Visit our rates page to find rates for share certificates, savings, money market savings, checking, personal and auto loans and credit cards. For all other rate information, call: 1-800-296-8871.

Yes, we offer a range of mortgage loan options, home equity loans and lines of credit, home improvement loans, raw land loans, and refinancing options. For more information, call our mortgage department at: 218-625-8580.

You can reorder checks by contacting any of our offices or by using the online order form.

During our office hours, you may call us at: 1-800-296-8871. After business hours, please call the 24-hour toll-free number: 1-800-417-8715.

If your debit, ATM or credit card is lost, stolen, or fraudulently used, please contact us immediately at 1-800-296-8871.