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New Member FAQ
- www.myconsumers.org
- In the upper right corner of our website, click on the “Online Banking” button.
- Click on the "Register Consumer" option and fill out the requested boxes, including the requested User ID (must be at least 6 characters long and cannot be your member number or account number).
- You will be asked to accept the online banking disclosure.
- Next you create a Password (must be at least 8 characters long with a combination of letters and numbers).
- You will then be able to see your accounts online moving forward.
For assistance with registering for online banking, please visit our user guide for step-by-step instructions.
- www.myconsumers.org
- In the upper right corner of our website, click on the “Online Banking” button.
- Click on the "Register Business" option and fill out the requested boxes, including the requested User ID (must be at least 6 characters long and cannot be your member number or account number).
- You will receive an email within 3 business days with a one-time temporary password.
- You will be asked to select a new password upon your first time logging in. Password must be at least 8 characters long with a combination of letters and numbers.
- You will then be able to see your accounts online moving forward.
- Log into online banking using the User ID and password you created.
- Click on the “eDocuments” tab in the left pane.
- Enter your email address in the first box and it will pre-fill the other boxes for you.
- Enter the verification number listed.
- Lastly, you will be asked to check the box and register for electronic documents.
- You will need to set up direct deposit through your employer. Your employer will need Consumer’s routing number and your full account number.
- Our routing number is 271989950.
- Your account number was sent to you in a separate email upon account opening.You may also obtain this information in online banking under the “View Accounts” tab.
- Give both of these numbers to your employer to initiate direct deposit.
- Generally takes 1-2 pay periods for implementation.
Yes. All deposit accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
Banks operate to generate profits for their stockholders or private owners. Credit unions are not-for-profit financial cooperatives, owned and operated by the Members. Credit union profits are returned to their Member-owners in the form of higher deposit rates, lower loan rates, and no or low cost services. Banks are federally insured by FDIC; credit unions are federally insured by NCUA.
The $5 membership fee is required to become a member of the Association. Consumers Cooperative Association was organized in 1970 and serves as the "Common Bond" for Membership at Consumers Credit Union. The Association provides Membership benefits such as financial education, and scholarship opportunities.
$5 is held in your regular Savings Account as your initial share deposit and signifies your ownership of the Credit Union ($5 = 1 share). This $5 minimum balance is your money and will be returned if you should ever close your membership.
As a new Member, there are several ways to access your account while waiting for your debit card to arrive. Beyond traditional Branch access, Consumer’s offers online, mobile, and text banking, telephone teller, shared branching, and Mobile Check Deposit.
Yes. The check(s) cannot exceed $10,000 per day and you cannot deposit more than 5 checks per day.
Text Banking is an easy, fast and secure way of banking while using your phone’s texting capabilities. With Text Banking, you can check balances and view recent account transactions on the go!
You can enroll in Text Banking via Online Banking or via the CCU Mobile App. Once logged into Online Banking or our Mobile App, go to Settings and find the Text Banking option. You will need a mobile phone with texting capabilities. Standard messaging and data rates may apply. CCU’s Text Banking number is 226563.
Your initial deposit is available within 5-7 business days. As a new account, all checks deposited into the Credit Union will be held for 5-7 business days. After you have maintained your account for 30 days, check holds will be at the discretion of the Credit Union.
To earn the 3% APY on balances up to $10,000 and ATM refunds complete the following requirements:
- Complete at least 12 Debit/Check Card point-of-sale purchases each month.
- Direct deposits, ACH credits, or mobile check deposits totaling $500 or more must post to your account monthly.
- Receive eDocuments (enroll and accept the disclosure)
To earn 4% APY on balances up to $10,000 and ATM refunds perform the following each qualifying cycle:
- Simply meet the requirements to earn 3% APY . . . then add:
$500 CCU Visa Credit Card purchases, no minimum number of transactions
To earn 5% APY on balances up to $10,000 and ATM refunds perform the following each qualifying cycle:
- Simply meet the requirements to earn 3% APY . . . and
- Spend $1000 or more in CCU VISA credit card purchase transactions, regardless of the number of purchases
- Free VISA Debit Card
- Free mobile banking
- Free online banking and bill payment
- Free e-Documents
- Unlimited check-writing privileges
- Access to over 1,800 Shared Branch Networks and nearly 30,000 surcharge FREE ATMs
- Qualified Members receive Courtesy Pay, a helpful resource that covers your overdrawn checks (fees apply)
The last day of each month.
Please call us at 1-877-275-2228.
Have More Questions?
Please feel free to contact us.
Thank you again for being a member of Consumers Credit Union!