Connect & Support

Ask questions, explore answers or reach us through one of the ways below.

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Banking on the Go
Alerts by Email and Text
  1. Log in to Online Banking
  2. Hover over Additional Services
  3. Click Alerts and Notifications
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:

  • Pay current payees
  • Add a new payee
  • View recently processed payments
  • Manage funding accounts
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. Hover over Additional Services
  3. Click eStatements
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.  Disputes 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 begin a dispute by visiting an office or calling our Member Service Center at 800.991.2221.

Forgot Username or Password

Resetting you Online Banking username or password is easy!

Reset Username:

  1. Click here
  2. Click I forgot my username link at the bottom of the box
  3. Type in your email address
  4. Click Send

Reset Password:

  1. Click here
  2. Type in your phone number and username
  3. Click the Send me a new password button

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!

Get Cash Back

Get Cash Back is the easiest way to earn cash back from your favorite stores and restaurants simply by using your debit card! Find out what deals are available for you in Online Banking.

To view the deals in Online Banking:

  1. Log in to Online Banking
  2. Click on a checking account that is attached to an active debit card
  3. You will see a Cash Back widget on the right; click View All Offers
  4. Click a Deal Logo to active and view the details of the deal.
  5. Read the conditions of the deal and earn your rewards!
  6. Once you have activated a deal, it will appear on the My Accounts page of Online Banking.

The deals expire so make sure to take advantage of your current offers and check back often to see your new offers.

Cash back rewards are deposited into your account once a month.

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 Check 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. Here are some other commonly asked questions about mobile check deposit.

Money Management

The Money Management system in Online Banking allows you to attach accounts from outside financial institutions so you may view everything from one place.

  1. Log in to Online Banking
  2. Hover over Move Money
  3. Click Money Management

To add an account click Add Account

Click the tabs (Accounts, Transactions, etc.) to change your view.

Online Banking Enrollment

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

  1. Go to www.onlinebankingconsumerscu.org/tob/live/usp-core/app/register
  2. Complete form
  3. Click Complete Sign up
Quick Balance

Quick Balance allows you to view your balance in the Mobile App without logging in by swiping down on the login screen. If you change your username this feature will be disabled. You may enable this on multiple devices.

  1. Open the Mobile App on your device
  2. Select Save Username and log in to the app
  3. Click More
  4. Click Settings
  5. Click Quick Balance
  6. Click Current Device
  7. Select Quick Balance
Quicken/QuickBooks

You can attach your accounts to Quicken or QuickBooks through Online Banking.

  1. Log in to Online Banking
  2. Hover over Additional Services
  3. Click Connectivity for Quicken and QuickBooks
  4. Follow the on-screen instructions
Text Banking

Text Banking allows you to access account information via text. Add 454545 to your contacts and use one of the following commands:

bal (nickname)
BAL will return the balance of every account with a nickname assigned. If you provide a nickname, only that account’s balance will be returned. Note: Available Balance for deposit accounts is the balance of funds available for withdrawal or transfer; certain pending transactions, such as deposits that contain checks, may not be immediately available and wouldn’t be included in the available balance

last
See your last 5 transactions

trans
Transfer funds to your primary (pre-designated) account

stop
Deactivate your service

help
Keywords for help

Transfer Money Between Accounts

Online Banking and the Mobile App allow you to transfer money between your accounts at Consumers.

Online Banking

  1. Log in to Online Banking
  2. Hover over Move Money
  3. Click Make a Transfer
  4. Follow the on-screen prompts

Mobile App

  1. Log in to the Mobile App
  2. Click Transfers
  3. Follow the on-screen prompts
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 and the first three letters of their last name.

Online Banking

  1. Log in to Online Banking
  2. Hover over Move Money
  3. Click Make a Transfer
  4. In the “To” field select +Add Recipient
  5. Follow the on-screen prompts to add a recipient
  6. Follow the on-screen prompts to complete the transfer

Mobile App

  1. Log in to Online Banking
  2. Click Transfers
  3. In the “To” field, select +Add Recipient
  4. Follow the on-screen prompts to add the recipient
  5. Follow the on-screen prompts to complete the transfer
Transfer Money to Another Person Using PopMoney

Similar to services like Zelle, PopMoney allows you to pay almost anyone using their email address, mobile number, or bank account info.

PopMoney shouldn’t be used to transfer money to accounts you own at outside financial institutions. 

Online Banking

  1. Hover over Move Money
  2. Click External Transfers
  3. Select Pay Other People
  4. Read the Notice Regarding Receiving Text Message and click OK to continue
  5. Follow the on-screen prompts

Mobile Banking

  1. Log in to Mobile Banking
  2. Click More
  3. Click PopMoney
  4. Follow the on-screen prompts
Transfer Money to Outside Accounts

You can easily transfer money to accounts you own at other financial institutions. 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. Hover over Move Money
  3. Click External Transfers
  4. Under “Transfer Between My Accounts” click Select
  5. Enter the amount
  6. Select the “From” and “To” accounts
  7. Select the date to initiate the transfer (default is Today)
  8. Please note the fee information
  9. Click Continue
  10. Verify Transfer information
  11. Click Confirm
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 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.

My Payments

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

Checking and Savings Accounts
Account Number

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

To find your account number in Online Banking:

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

You can activate a debit or credit 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

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. Click My Settings
  3. Click Alerts & Notifications
  4. Follow the on-screen prompts to turn alerts on or off, update information, and add or adjust notifications.
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.

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!

To activate eStatements within Online Banking:

  1. Log in to Online Banking
  2. Hover over Additional Services
  3. Click eStatements / Tax Forms
  4.  Click the Go Paperless button and follow the prompts.
Fees

Please see our Schedule of Fees.

Get Cash Back

Get Cash Back is the easiest way to earn cash back from your favorite stores and restaurants simply by using your debit card! Find out what deals are available for you in Online Banking.

To view the deals in Online Banking:

  1. Log in to Online Banking
  2. Click on a checking account that is attached to an active debit card
  3. You will see a Cash Back widget on the right; click View All Offers
  4. Click a Deal Logo to active and view the details of the deal.
  5. Read the conditions of the deal and earn your rewards!
  6. Once you have activated a deal, it will appear on the My Accounts page of Online Banking.

The deals expire so make sure to take advantage of your current offers and check back often to see your new offers.

Cash back rewards are deposited into your account once a month.

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, dispute debit card transactions, update contact information and much more.

You will need to enroll before you can use Online Banking. You will need your member number to do this.

To enroll:

  1. Go to www.onlinebankingconsumerscu.org/tob/live/usp-core/app/register
  2. Complete form
  3. Click Complete Sign up 
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. Hover over Additional Services
  3. Click Order Checks
  4. Click OK on the pop-up. You will be taken to a third-party site to order your checks.
  5. 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.

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 or see a Status of a Stop Payment through Online Banking:

  1. Log in to Online Banking
  2. Hover over Additional Services
  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 within Online Banking.

To enter a Travel Notice in Online Banking:

  1. Log in to Online Banking
  2. Hover over Secure Forms
  3. Click Travel Notification
  4. Complete the form and click Submit

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 fill out our form 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. Hover over Additional Services
  3. Click Alerts & Notifications
  4. Click Add an alert +
  5. Follow the on-screen prompts

You may also change current alerts on this screen.

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:

  • Visit an office
  • Call our Member Service Center at 800.991.2221
  • Submit a request through Online Banking

To submit a request in Online Banking:

  1. Log in to Online Banking
  2. Hover over Secure Forms
  3. Click Credit Card Balance Transfer
  4. Follow the on-screen prompts
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. Click on your credit card
  3. Click View Your 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

Credit Cards will appear in the My Accounts tab of Online Banking. When you click on a credit card name within the My Accounts tab, you will be taken to the credit card maintenance screen.

On this screen you can:

  • View transactions
  • View statements
  • View and redeem rewards (if applicable)
  • Report your card lost or stolen
  • Manage cards
  • Consolidate balances
  • Update your profile
  • Enroll or unenroll in eStatements
Credit Cards in the Mobile App

In the Mobile App, you can:

  • View your current balance
  • Pay your credit card

To view transaction history, statements or complete card maintenance, please log in to Online Banking.

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 on your credit card
  3. In the Quick Links widget on the right, click Go Paperless
  4. Follow the on-screen prompts
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 also report your card lost or stolen in Online Banking.

To report your credit card lost or stolen in Online Banking:

  1. Log in to Online Banking
  2. Click the credit card that was lost or stolen
  3. Hover over Services
  4. Click Report Card Lost/Stolen
  5. Follow the on-screen prompts
Making a Payment: Credit Cards, Loans, Auto Loans and Mortgages

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

  • Online Banking: Transfer money from a Consumers account
  • Visit an office
  • Pay at an ITM
  • 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. Hover over Move Money
  3. Click Make a Transfer
  4. In the “From” field, select the account you want to use to pay
  5. In the “To” field, select your credit card
  6. Enter the amount
  7. Click Make transfer

To pay your loan or mortgage from an external account:

  1. Log in to Online Banking
  2. Hover over Move Money
  3. Click Pay loan from outside account
  4. Follow the on-screen prompts
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.

View your Credit Card Account Number

You can view your credit card account number on your monthly statement.

If you receive eStatements, you can access them in Online Banking:

  1. Log in to Online Banking
  2. Click on your credit card
  3. Hover over Statements & Activity
  4. Click View Statements
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

Click here to learn how you can view your investment accounts, available through CUSO Financial Services, L.P., in Online Banking.

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.
Loan Payoff Quote

Get your loan payoff quote by visiting an office, calling our Member Service Center at 800.991.2221 or retrieving it in Online Banking.

To get your loan payoff quote in Online Banking:

  1. Log in to Online Banking
  2. Click on the loan you want to pay off
  3. The payoff amount is displayed in the loan details
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/accounts are 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. Hover over Additional Services
  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.

 

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

Change your accounts’ nicknames or hide them in Online Banking.

  1. Log in to Online Banking
  2. Click My Settings
  3. Under Other settings, click Rename & Hide your accounts
Security Settings

Security Settings can be found in Online Banking.

  1. Log in to Online Banking
  2. Click My Settings
  3. At Security options, click Edit
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.

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.

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 Online Banking or by stopping in at an office.

*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.