Connect & Support

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Banking on the Go
Alerts by Email and Text

Alerts help you keep track of your accounts. You can add alerts for low balance, deposits and more. Alerts can be added for checking, savings, loans and credit cards.

To enable alerts:

  1. Log in to Online Banking
  2. Manage Alerts
  3. Toggle the applicable alert switches
  4. Set up the parameters of the alert

How to set up alerts

How to set up security alerts

ATMs and Interactive Tellers

Looking to bank on the go? Find our ATM or Interactive Teller locations here. You can complete many of the same transactions that you would do in an office at our ATMs and Interactive Tellers. A list of services and features for each are below.

ATMs

  • Open 24/7
  • Withdraw cash
  • Deposit cash
  • Deposit checks
  • Balance inquiries (savings and checking accounts)

Interactive Tellers

  • Extended hours (9 a.m - 7 p.m. M-F and 9 a.m. - 1 p.m. Sat.)
  • Ask account questions
  • Make loan payments
  • Make credit card payments
  • Open new accounts
  • Troubleshoot debit card or online banking issues
  • Run cash advance
  • Determine check availability
  • Setup repayment accounts
  • Request Skip a Payment
  • Transfer money to another member

 

Bill Pay

Online Bill Pay gives you flexibility in how you make payments by controlling when payments are made.

When using Online Bill Pay, we may send your payment out in one of three ways:

  • Check – the money will be moved from your account when the payee deposits the check.
  • Cashier’s Check – the money will be removed from your account when you initiate the payment.
  • ACH – the money will be removed from your account when payment is sent electronically.

To use Bill Pay:

  1. Log in to Online Banking
  2. Click Pay Bills

From here you can:

How to set up bill pay

 

Direct Deposit

Direct Deposit is the safest, fastest and most convenient way to get paid.

With Direct Deposit your funds are deposited into your account electronically for immediate use.

There are two ways to set up Direct Deposit:

  1. Stop by an office—we can help you!
  2. Talk to the people that pay you—they will need your account number, routing number and signature.
eStatement Enrollment
  1. Log in to Online Banking
  2. Click More (...)
  3. Click Documents and Statements
  4. Toggle the statement switch from “Paper Only” to Online Statements

How to enroll in eStatements

Como inscribirse en estados de cuenta electrónicos

File a Debit or Credit Card Dispute

If a transaction has posted to your account without your authorization you may dispute it through Consumers Credit Union. Disputes in personal accounts must be made within 60 days of the transaction posting. Dispute in business accounts must be made within 7 days of the transaction posting.

Before you begin a dispute, ensure the transaction is unauthorized. Some merchants’ names may appear differently in the transaction history.

Once you have started the dispute process, we will research your claim by contacting the merchant. We may need to speak with you during the process to ask clarifying questions.

If the dispute is accepted, the funds will be returned to your account within 10 days of the dispute filing.

If the dispute is rejected, the funds will not be returned to your account.

Please note that giving your PIN to someone to use your debit card to withdraw cash or make a purchase will void a dispute.

Debit Card, Credit Card, ACH and Check Disputes – You may visit an office or call our Member Service Center at 800.991.2221.

Credit Card disputes can also be made within online banking:

  1. Log in to Online Banking On your main dashboard, click the Credit Card Tile
  2. Under the Activity tab, click the Fraudulent Transaction.
  3. In the expanded transaction window, click Dispute.
  4. Follow the on-screen prompts.
Forgot Username or Password

Resetting you Online Banking username or password is easy!

Reset Username:

  1. Click here
  2. Click Forgot your username or password? (link at the bottom of the box)
  3. Select either the Email or Phone Number delivery method
  4. Type in your email address or phone number

Reset Password:

  1. Click here
  2. Type in your username and date of birth
  3. Click Reset Password
  4. Select a delivery method for a verification code
  5. Enter in the verification code and click next
  6. Set up a New Password and click Reset Password

If you are still unable to reset your username or password please give us a call at 800.991.2221 or stop by one of our locations—we can help you!

Mobile Check Deposit

With Mobile Check Deposit all you need is a mobile device and a check. Take a picture of the front and backside of the check, and the money will be deposited into your account.

  1. Sign the back of the check with your signature and write “For Mobile Deposit Only”
  2. Log in to the Mobile App
  3. Click Deposit
  4. Follow the on-screen instructions

Checks deposited through mobile deposit may be subject to a deposit hold. Please check your Mobile App for funds availability. View this guide for step-by-step instruction on mobile check deposit.

Online Banking Enrollment

You will need your Member Number to enroll in Online Banking.

Pick the option below that fits you best:

  • Existing user: I've used Online Banking before, but need to enroll in the upgraded version. Click here to learn how.
  • New user: I've never used Consumers Online Banking before. Click here to learn how to enroll.
  • New business user: I'm a business member and have never used Consumers Online Banking before. Click here to learn how to enroll.
  • New Spanish-speaking user: ¿Sabes como usar nuestro banco en línea? Haga clic aquí para obtener instrucciones sobre cómo inscribirse.

Learn more about Online Banking here, including how to download the Mobile App. Have questions? Contact us.

Quicken/QuickBooks

You can export your account information to Quicken or QuickBooks through Online Banking.

  1. Log in to Online Banking, and go into your account history
  2. Click Export
  3. Select the Quicken/QuickBooks File Format
  4. Select Date Range
  5. Click Export
Text Banking

Text Banking allows you to access account information via text. Add 800.991.2221 to your contacts and use one of the following commands (commands are not case sensitive):

BAL

Returns current balance of all accounts with nicknames.

BAL Nickname

Returns current balance of specified account.

HIST Nickname

Returns the last 3 transactions.

HIST Nickname X

Returns X Number of transactions.

PEND Nickname

Returns any pending debit transaction.

DUE Nickname

Returns the loan payment due date and amount.

TRANSFER From to Amt

Transfer funds from the From one account To another for an available amount (“From” and “To” are account nicknames).

NAMES

Returns all of your account nicknames.

ASSIST

Returns a list of these commands.

 

How to set up text banking

Text banking commands

Transfer Money Between Accounts

Online Banking allows you to transfer money between your accounts at Consumers.

Online Banking:

  1. Log in to Online Banking
  2. Click Move Money
  3. Follow the on-screen prompts

How to transfer to a loan account

How to transfer to a deposit account

Transfer Money to Another Member

You can easily transfer money to another member. To set up a transfer, you will need the other member’s full account number, account type, and their last name.

Online Banking

  • Log in to Online Banking
  • Click Move Money
  • Click Manage Other Accounts
  • Click Add Other Account
  • Select A Member of Consumers Credit Union
  • Follow the on-screen prompts to add a recipient
  • Click Make a Transfer to This Account

Mobile App

  • Log in to Mobile App
  • Click Transfer
  • Click Manage Other Accounts
  • Click Member to Member
  • Click Add New Member to Member Account
  • Follow the on-screen prompts to add a recipient
  • Click Make a Transfer to This Account
Transfer Money to Outside Accounts

You can transfer money to accounts you own at another financial institution. These transfers can only be initiated through our Online Banking. A fee is assessed for any transfer to another financial institution. Please see our Schedule of Fees for more information.  There is no fee to transfer money into your Consumers Credit Union account.

Online Banking

  1. Log in to Online Banking
  2. Click Move Money
  3. Select the account you want to transfer From
  4. Select the external account to want to transfer To
  5. Enter the Amount
  6. Select how often the transfer occurs
  7. Select when the transfer will occur
  8. Click Review Transfer
  9. Click Confirm Transfer
Voice Access

Voice Access allows you to bank by phone.

  1. Call 800.991.2221
  2. Select option 2
  3. Follow the voice prompts
Business Services
Business ACH

Click here to learn how to make and collect business account payments in Online Banking.

Business Services

Consumers Credit Union offers a variety of services for new and established businesses, including:

  • Lending
  • Small Business Administration (SBA) Lending
  • Checking and Savings accounts
  • Certificates of Deposit (CDs) and Money Market Accounts
  • Credit Cards
  • Online Banking and Mobile App
  • Merchant Services
  • ACH Payments and Collections
  • Payroll
  • Investment Services
  • Bill Pay

Please visit our Business Services page for more information.

Checking and Savings Accounts
Account Number

Your account number can be found on your statement, eStatement or in Online Banking.

  1. Log in to Online Banking
  2. Click on the account
  3. Click Details & Settings
Activate a Debit or Credit Card

You can activate a debit card in one of three ways:

  1. Call the number on the sticker located on the front of your new card.
  2. Call our Member Service Center at 800.991.2221.
  3. Stop by an office
Alerts by Email and Text

Alerts help you keep track of your accounts. You can add alerts for low balance, deposits and more. Alerts can be added for checking, savings, loans and credit cards.

To enable alerts:

  1. Log in to Online Banking
  2. Manage Alerts
  3. Toggle the applicable alert switches
  4. Set up the parameters of the alert

How to set up alerts

How to set up security alerts

CD Maturity and Rollovers

A Certificate of Deposit, or CD, is a special type of savings account that holds your money for a specific amount of time with an Annual Percentage Yield (APY) that is typically higher than a standard Savings account. A main difference with a CD is that, typically, a withdrawal during the term will incur a penalty.

When the CD reaches the end of its specific term (example: 36 months), the CD “matures.” Starting on the date of maturity, you have 10 days to withdraw, move or create a new CD without penalty. This is called a “grace period.”

If you do not act within the grace period, the CD will roll over and lock into a new CD. This new CD will keep the same term as the previous CD, but the rate will be adjusted to reflect the current rate offered by Consumers Credit Union. This rate may be lower or higher than your previous rate.

Change Account Order

In online banking your can customize your dashboard including changing the order of your accounts. Click here to learn how.

Christmas Savings

Christmas Savings accounts make budgeting for next year’s holiday expenses easier. Make saving automatic by setting up recurring transfers and be worry-free next holiday season. You can access your Christmas Savings between October 1 and December 31 via Online Banking for your shopping convenience.

Set up you Christmas Savings account online, stop by an office, or give us a call at 800.991.2221.

Courtesy Pay Fee

Courtesy Pay taps into your Overdraft Privilege and overdraws your account to pay items that would otherwise be returned. A Courtesy Pay Fee is assessed for each transaction in which this happens.

We may refuse Courtesy Pay for any item that is beyond your Overdraft Privilege limit.

Courtesy Pay Fees can be avoided by monitoring your accounts and ensuring you have funds available when making purchases.

Please see our Schedule of Fees for our current Courtesy Pay Fee amount.

Debit Holds/Pending Transactions

When you make a purchase with your debit card, a hold is placed on the funds. This is called a “pending transaction.”  The transaction “posts” when the funds are moved from your account to the accounts of the merchant.

When a transaction posts to your account the system will consider your available balance. If the available balance (current balance less pending transactions) is negative, a fee may be assessed and the item may or may not be paid, dependent upon Overdraft Protection, account history, and Overdraft Privilege settings.  For more information, please visit an office or call our Member Service Center at 800.991.2221.

eStatements

eStatements offer an extra layer of security and convenience.  With eStatements, your monthly statement is saved within Online Banking. You will receive an email each month when your statement is ready. Best of all, eStatements are free!

You may activate eStatements within Online Banking:

  1. Log in to Online Banking
  2. Click More (...)
  3. Click Documents and Statements

Toggle the statement switch from “Paper Only” to Online Statements

How to enroll in eStatements

Como inscribirse en estados de cuenta electrónicos

Fees

Please see our Schedule of Fees.

Lost or Stolen Debit Card

Call our Member Service Center at 800.991.2221, or stop by an office and we can freeze or close your lost or stolen card.

Are there purchases you don’t recognize? We can help you dispute unauthorized transactions and give you back your peace of mind.

Our offices offer instant-issue debit cards, so your debit card replacement is only an office visit away. Replacement card may be subject to a fee.

Mobile App

We offer a Mobile App for iOS and Android devices. You may download them for free from your device’s app store.

Office Locations

Friendly faces await you at every office! Click here to find the office most convenient for you.

Online Banking

Our Online Banking system offers 24/7 banking. You can open new accounts, transfer money, make payments, view transaction history, update contact information and much more.

You will need your member number to enroll in Online Banking.

  1. Click here
  2. Complete the enrollment steps
  3. Click Submit
Order Checks

If you have not placed an order for checks in the past, please stop by an office or call the Member Service Center at 800.991.2221 to place your first order.

If you have previously placed a check order with us, you can reorder checks through Online Banking.

To reorder checks through Online Banking:

  1. Log in to Online Banking
  2. Click on the Checking Account you’re ordering checks for
  3. Click Details & Settings
  4. Click Order Checks
  5. You will be taken to a third-party site to order your checks
  6. Follow the on-screen prompts
Overdraft Privilege

Overdraft Privilege allows you to draw your account into the negative to pay for items you need or bills that must be paid.  Whenever a transaction uses your Overdraft Privilege, a Courtesy Pay fee is assessed. Please see our Schedule of Fees for more information.

Routing Number

A routing number, also known as the transit or ABA number, is a number that identifies Consumers Credit Union to other financial institutions within the United States.

The routing number for Consumers Credit Union is 272481839.

Sending money to others (non-members)

We encourage you to use your Consumers Mastercard® debit and credit cards to send and receive money using one of several reputable peer-to-peer payment providers*, including those you may already be familiar with, such as PayPal® and Venmo®. Basic instructions are outlined below.

Venmo

  • Find Venmo in the App Store® or Google Play™ store and download the app to your mobile device.
  • Create an account.
  • Under Payment Methods, add your Consumers Mastercard debit and credit card information.Please note: Sending money with a debit card is free, while a 3% fee applies to credit cards.
  • Search for other Venmo users to start sending and requesting money using your digital wallet.

PayPal

If you already have a PayPal account …

  • Log in to your account and select Wallet.
  • Click “Link a card or bank,” and enter your Consumers Mastercard information.
  • After verifying your billing address, you’re all set!

If you're new to PayPal …

  • Visit the PayPal website and click Sign Up.
  • Create an account, and you're ready to go.

*Please note. These are merely suggestions. Consumers Credit Union is not affiliated, associated, authorized, endorsed by, or in any way officially connected with PayPal or Venmo. All product and company names are trademarks or registered trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Federally insured by NCUA

Stop Payment

A Stop Payment may be placed on a check you have written or on any checks that have been lost or stolen.

You may place a stop payment in one of three ways:

  1. Stop by any office
  2. Call our Member Service Center at 800.991.2221
  3. Log in to Online Banking

To place a Stop Payment through Online Banking:

  1. Log in to Online Banking
  2. Click More (...)
  3. Click Stop Payment
  4. Follow the on-screen prompts

A Stop Payment fee may apply. Please see our Schedule of Fees for more information.

Travel Notice

A Travel Notice should be placed on your account whenever you are traveling outside of your normal travel area. This notice will allow your debit or credit card to work without interruption. Without a travel notification, you may find your debit or credit card blocked by our anti-fraud system.

You can place a Travel Notice by visiting an office, calling our Member Service Center at 800.991.2221 or using Online Banking.

To enter a Travel Notice in Online Banking:

  1. Log in to Online Banking
  2. Click More (...)
  3. Click Travel Notification
  4. Follow the on-screen prompts

If your debit or credit card is declined while you’re traveling, please call the number on the back of the card for immediate service.

To enter a travel notice for members without Online Banking, click here.

View Check Images

If you deposited a check in an office or through an ATM/Interactive Teller, you can click on the deposit in transaction history within Online Banking to view your check.

If you used remote deposit through the Mobile App, please stop in an office or call the Member Service Center at 800.991.2221 to get a check image.

A check copy fee may apply. Please see our Schedule of Fees for more information.

Credit Cards
Change Debit or Credit Card PIN

A Personal Identification Number (PIN) is a four-digit number that adds an extra layer of security for your credit or debit card.

To change your debit or credit card pin please give us a call at 800.991.2221 or stop by and office.

 

Credit Card Alerts

You can add email and/or text alerts for credit card activity.

  1. Log in to Online Banking
  2. Click Manage Alerts
  3. Click Account Alerts
  4. Click Cards (under the Account Alerts title)
  5. Select the credit card you'd like to receive an alert on
  6. Toggle the applicable alert switches
  7. Set up the parameters of the alert
Credit Card Balance Transfer

You can transfer balances from credit cards at other institutions to your Consumers Credit Card. You’ll probably save money in the process!

You can transfer the balance in several ways:

To submit a request in Online Banking:

  1. Log in to Online Banking
  2. On your main dashboard, click on the Credit Card tile
  3. Click Balance Transfer
Credit Card Rewards

With our Mastercard® Rewards card, you earn one point for every dollar spent. You can redeem your rewards for travel, electronics, home goods, movies and games and more!

To redeem your reward points:

  1. Log in to Online Banking
  2. On your main dashboard, click on the Credit Card tile
  3. Click Redeem Rewards - you will be redirected to a third-party site (www.curewards.com)
  4. Hover over Redeem
  5. Click a reward category and follow the on-screen prompts
Credit Cards in Online Banking

Your credit card will appear as a tile on your main dashboard in Online Banking.  When you click on the tile, you will be taken to the credit card maintenance screen.

On this screen you can:

  • View transactions
  • View balances
  • View and redeem rewards (if applicable)
  • Lock/unlock your card
  • Block certain transaction types
  • Set spending limits
  • Consolidate balances
  • Set travel notices
  • Request a new card

Credit card controls

Enroll in Credit Card eStatements

Credit card eStatements are separate from your other account eStatements.

To enroll in credit card eStatements:

  1. Log in to Online Banking
  2. Click More (...)
  3. Click Documents and Statements
  4. Click Credit Card Statements
  5. Toggle the statement switch from “Paper Statements” to Online Statements.
  6. Follow the on-screen prompts
Increase Credit Card Limit

If you already have a credit card with us, you can request an increase to your credit card limit by stopping by an office or over the phone at 800.991.2221.

Lost or Stolen Credit Card

If your credit card is lost or stolen, please call our Member Service Center at 800.991.2221.

You can temporarily lock your card or request a new card in Online Banking.

To temporarily lock your credit card in Online Banking:

  1. Log in to Online Banking
  2. On your main dashboard, click on the Credit Card tile
  3. Click Detail & Settings
  4. Near the Credit Card image, move the toggle to the left to lock your card

To request a new credit card in Online Banking:

  1. Log in to Online Banking
  2. On your main dashboard, click on the Credit Card tile
  3. Click Detail & Settings
  4. Near the Credit Card image, click Request a New Card

Credit card controls

Making a Payment: Credit Cards, Loans, Auto Loans and Mortgages

You have several convenient ways to pay your credit card, loan or mortgage:

  1. Online Banking: Transfer money from a Consumers account
  2. Visit an office
  3. Pay at an Interactive Teller
  4. Mail your payment to:
    P.O. Box 525 Oshtemo, MI 49077-0525

To pay from a Consumers account in Online Banking:

  1. Log in to Online Banking
  2. Click Move Money
  3. In the From field, select the account you want to use to pay
  4. In the To field, select your credit card
  5. Enter the amount
  6. Click Review Transfer
  7. Click Confirm Transfer

To pay your loan or mortgage from an external account:

  1. Log in to Online Banking
  2. Click Move Money
  3. In the From field, select the external account you want to use to pay
  4. In the To field, select your loan
  5. Enter the amount
  6. Click Review Transfer
  7. Click Confirm Transfer
Mastercard®'s ID Theft Protection™

Both personal and business members are eligible for Mastercard®'s ID Theft Protection™ program, which allows you to track your identity risk level and detect potential fraud. If suspicious activity is noticed, you'll be alerted and given steps on how to take action to protect yourself. Should your identity ever be stolen, you'll receive "white glove" treatment from Mastercard experts who will step in and personally help you resolve the matter. You can also monitor other credit card types (e.g., store cards, Visa, Amex) besides your Mastercard.

Follow these steps to sign up:

  1. Go to MasterCardUS.IDProtectionOnline.Com to enroll
  2. Click Activate Now
  3. Enter in your Mastercard card number to qualify
  4. Click Get Started
  5. Fill out your Personal Information
  6. Click Save
  7. Review your personal information
  8. Add your Social Security Number (optional)
  9. Click Save & Go To Dashboard
  10. Review your risk level, alerts and items under Monitoring
Mobile Wallets: Apple Pay™, Google Pay™ and Samsung Pay

Your Consumers Debit and Credit Card can be added to Apple Pay™Google Pay™ and Samsung Pay.

Please follow your manufacturer’s instructions on adding your Consumers debit or credit card to your mobile wallet.

Investment Services
Brokerage statements

Click here to learn how to read your brokerage statement.

Investment Services

We are proud to offer investment services thru CUSO Financial Services, L.P.* at Consumers Credit Union.

Please visit our Investment Services page for more information.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Consumers Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

View your investments

How to view your investment accounts in Online Banking:

  1. Log in to Online Banking
  2. Click More Links
  3. Click Investment Service
Mortgages and Consumer Loans
Bi-Weekly Mortgage Payments

Making bi-weekly mortgage payments will help you pay off your loan faster—and you’ll pay less interest! With bi-weekly payments you will make 13 payments in a year instead of 12.

To set up bi-weekly payments, check out our guide by clicking here.

Lien Release

A lien release is mailed to you upon your loan being paid in full. If you paid your vehicle off with a check, the lien release will not be mailed until funds have been received and the check has cleared.

If you have misplaced your lien release or it was lost in the mail, we offer two options:

  1. To receive a lien release letter immediately, please visit an office. Please make sure you have your identification and, if possible, your title. (We can sign off for the lienholder in the office.)
  2. To receive a lien release letter by mail, call our Member Service Center at 800.991.2221.
Pay Appraisal Fee

An appraisal fee covers the cost of having a professional appraiser evaluate a home and estimate it's market value. The appraisal fee is collected in conjunction with submitting a signed mortgage disclosure package. Appraisal fees can be paid online or in an office.

Skip a Pay

Skip a Pay allows you to skip a loan payment up to twice a year. It’s perfect when you need a little extra money during the month.

When using Skip a Pay, please keep this in mind:

  • There is a fee to use Skip a Pay. Please see our Schedule of Fees.
  • You may only use Skip a Pay twice in one year.
  • You must wait 90 days after using Skip a Pay to use it again.
  • Skip a Pay cannot be used on credit cards, mortgages, home equity loans or Repayment Accounts.
  • A Skip a Pay request may be rejected if your loan is not in good standing.
  • The skipped payment is moved to the end of the loan. This extends the time you will pay on the loan by one month for each Skip a Pay completed.

You can use Skip a Pay by visiting an office, calling our Member Service Center at 800.991.2221 or submitting a request through Online Banking.

To submit a Skip a Pay request in Online Banking:

  1. Log in to Online Banking
  2. Click More (...)
  3. Click Skip a Pay
  4. Follow the on-screen prompts
Personal and Security Settings
Change Debit or Credit Card PIN

A Personal Identification Number (PIN) is a four-digit number that adds an extra layer of security for your credit or debit card.

To change your debit or credit card pin please give us a call at 800.991.2221 or stop by and office.

 

Locked Account

To maintain security, your Online Banking account may be locked after multiple failed attempts to login. Once your account is locked you will need to call our member service center at 800.991.2221 or stop by an office to unlock it. We will verify your identity before unlocking it.

If you forgot your password, click Forgot Username or Password on the login screen to reset it.

Member Number

When you open a membership at Consumers you are given a member number that uniquely identifies you as a member of the credit union. You can find your member number at the top right corner of your statement (both paper and electronic).

Name Change

If your name has recently changed, please stop by one of our locations with documentation that includes your old name and new name. If you are unable to come in give us a call at 800.991.2221 and have your paperwork ready to fax.

Accepted documents include:

  • Marriage License
  • Divorce Decree (with name change approval signed by a judge)
  • Court Issued Documentation
Rename and Hide Accounts

To change your accounts’ nicknames:

  1. Log in to Online Banking
  2. Click on the Account
  3. Click Details & Settings
  4. Click Account Nickname
  5. Rename your account
  6. Click Save

To hide your accounts in Online Banking:

  1. Log in to Online Banking
  2. Click Customize on the dashboard
  3. Next to your accounts an eye symbol will appear. Click the eye to hide an account
  4. Click Save Changes
Security Settings

Security Settings can be found in Online Banking.

  1. Log in to Online Banking
  2. Click your initials in the top right corner
  3. Click Security
Update Contact Information

You can update your contact information through Online Banking, in an office or by calling our Member Service Center at 800.991.2221.

In Online Banking:

  1. Log in to Online Banking
  2. Click your initials in the top right corner
  3. Click on Profile
  4. Update your contact information
Services
Cashier's Check

A cashier's check is unlike a regular check because the financial institution guarantees payment instead of the check writer. They are ideal for large purchases when you can't use a credit or debit card.

To get a cashier's check please stop by any of our office locations! Fees may apply.

Depositing Coins

To deposit large amounts of coin, you can either roll it and bring it into an office or use one of our coin machines located at our Centre, Corner@Drake, and South Haven offices for a 5% convenience fee (proceeds go to the Consumers Scholars program).

Repayment Plan

A Repayment Plan can offer relief from having to pay back the entire overdrawn balance of your checking account at one time. When establishing a Repayment Plan, your overdrawn checking balance, up to $750*, is set aside to be repaid over four monthly installments that begin one month after the account is established. This allows your checking account to be reset to a $0 balance.

You may start a Repayment Plan through stopping in at an office or calling our Member Service Center at 800.991.2221.

*Your limit may be lower.

Savings Bond

To redeem a U.S. Savings Bond, please visit one of our offices. You will need:

  • Your U.S. Savings Bond
  • A picture ID
  • SSN (social security number)

 

Sending and Receiving Domestic Wire Transfers

A domestic wire transfer is a direct electronic transfer of funds between two accounts at different financial institutions based in the United States. You’ll need some extra information when working with a wire transfer, and we’ve outlined it for you below!

When sending a domestic wire transfer, you will need the following information from the recipient:

  • Their Financial Institution’s Information:
    • Name
    • Address
    • Routing Number
  • Their Account Information
    • Name on the account (as Beneficiary of the wire transfer)
    • Account type: Checking or Savings
    • Account number

When receiving a domestic wire transfer, you’ll need to give the sender this information:

  • Consumers Credit Union’s Information:
    • Name: Consumers Credit Union
    • Address: 7200 Elm Valley Drive, Kalamazoo, MI 49009
    • Routing Number: 272481839
  • Your Account information:
    • Name on the account
    • Account type: Checking or Savings
    • Account number

Domestic wire transfers typically take one business day, but it’s dependent upon when you send the wire as financial institutions have “cut off” times. After the “cut off” time, a wire transfer will not be sent until the following business day. (Weekends and holidays don’t count!)

Please see our Schedule of Fees for a list of wire transfer fees.