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Updated as of | Merger Completion Tracker: 100%
Welcome to CU1
As a member of Credit Union 1 (CU1), you have access to a wide variety of products and services, and we are pleased to have the opportunity to help you meet your financial goals.
- High-Priority Items
- Consumer Loans
- Credit Cards
- Changes Coming Soon
- Get the Most Out of Your CU1 Account
- New Branch Hours
- Frequently Asked Questions
- Business Member Information
Have questions about the merger, disclosures or fee schedule? Submit a Question
High-Priority Items
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Update Account and Routing Number
If you have any automatic debits or credits to your Great River account, you will need to advise each business of your new Credit Union 1 account number and CU1’s Routing & Transit #: 271188081.
To find your account number in Digital Banking, log in, select the account tile. Your full 14 digit account number will appear at the top. The first 10 digits identify your account, and the last 4 digits are your account suffix, which identifies the account type. When setting up direct deposit, be sure to use the full 14 digit account number.
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Update Automatic Payments
Several types of automatic payments—including internal transfers, recurring payments set up in Digital Banking, and external bill pay—did not carry over with the conversion. You will need to set up these payments again within CU1 Digital Banking.
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Access Digital Banking
You are now able to use Credit Union 1 Digital Banking. Learn more about the changes you will experience with CU1 Digital Banking and how to log in for the first time.
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Enroll in eDocuments to Receive eStatements
Paper statement fees will be waived through December 31, 2025. If you are not enrolled in eDocuments after this date, you will be charged a $5.00 monthly statement fee. Set up eStatements by enrolling in eDocuments through Digital Banking.
Follow these step-by-step instructions to learn how to enroll in eDocuments.
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Verify Payroll
Every effort was made to ensure payroll deposits and payroll distributions were converted properly. While there was no action required on your part for this transition, we recommend that you verify your payroll deposit and/or payroll distribution through Digital Banking with your first payroll.
Activate your CU1 Debit Card
CU1 debit cards can be easily activated through Digital Banking. Simply log in and navigate to Debit Card Controls under the main Services menu. Or you can call (800) 992-3808 to active in a few simple steps.
Debit Card Notice: Debit Card Controls is available directly in Digital Banking.
Auto Loans
If you currently have an Auto Loan, review your insurance policy to ensure it meets Credit Union 1’s Auto Insurance requirements.
Consumer Loans
Members who have a mortgage, home equity loan, or auto loan were converted to a matching or similar product in the CU1 system. The rate and term for each of these products will remain the same as originally contracted for the remaining term of the agreement.
Payment Changes
Several types of automatic payments—including internal transfers, recurring payments set up in Digital Banking, and external bill pay—did not carry over with the conversion. You will need to set up these payments again within CU1 Digital Banking.
If your loan payment was set up as an ACH (or a payment that makes a direct withdrawal from your bank account using your account number and routing number), any existing loan payments will clear. CU1 will do our best to clear transactions that use your Great River account and routing number for up to six months. However, your Great River account and routing number will no longer be valid after six months, and we recommend proactively updating everything to your new CU1 account and routing number as soon as possible to avoid the need for future changes.
Credit Cards
To manage your Great River credit card, you will use the eZCard portal. If you do not already have an account, you’ll need to create one with new login credentials directly through eZCard. This account is separate and does not use your Digital Banking login.
Customer Service: (800) 252-6950
Changes Coming Soon
December 31, 2025
- Savings Only and Inactive Account fees waived until December 31.
March 31, 2026
- Great Rivers Routing Number will deactivate on March 31.
- After this date, Great River checks will no longer be accepted. Please order CU1 checks online.
Get the Most Out of Your CU1 Account
Now that the conversion is complete, you can take advantage of the features Credit Union 1 offers to make everyday banking simple and convenient. Learn more about these key features and how you can easily set them up today.
Action Needed: Quicken and QuickBooks Update
The system conversion from Great River FCU to CU1’s system on October 1, 2025, will require that you make changes to your QuickBooks or Quicken software, so please take action to ensure a smooth transition.
On or After October 2, 2025
- Complete the remaining steps in the conversion instructions listed below. Complete the deactivate/reactivate of your digital banking connection.
- New Users can get started by clicking here.
Conversion Instructions
Branch Information & Hours
The new Great River branch hours will take effect beginning October 3, 2025.
Niles
1012 S. 11th Street
Niles, MI 49120
Lobby
Monday: 9:00am - 5:00pm
Tuesday: 9:00am - 5:00pm
Wednesday: 10:00am - 5:00pm
Thursday: 9:00am - 5:00pm
Friday: 9:00am - 5:00pm
Saturday: Closed
Sunday: Closed
Sartell
1725 Pine Cone Road S.
Sartell, MN 56377
Lobby
Monday: 9:00am - 5:00pm
Tuesday: 9:00am - 5:00pm
Wednesday: 10:00am - 5:00pm
Thursday: 9:00am - 5:00pm
Friday: 9:00am - 5:00pm
Saturday: Closed
Sunday: Closed
Sauk Centre
214 12th Street S., Suite 2
Sauk Centre, MN 56378
Lobby
Monday: 9:00am - 5:00pm
Tuesday: 9:00am - 5:00pm
Wednesday: 10:00am - 5:00pm
Thursday: 9:00am - 5:00pm
Friday: 9:00am - 5:00pm
Saturday: Closed
Sunday: Closed
Big Lake
18146 198th Avenue
Big Lake, MN 55309
Lobby
Monday: 9:00am - 5:00pm
Tuesday: 9:00am - 5:00pm
Wednesday: 10:00am - 5:00pm
Thursday: 9:00am - 5:00pm
Friday: 9:00am - 5:00pm
Saturday: Closed
Sunday: Closed
Foley
161 Glen Street
Foley, MN 56329
Lobby
Monday: 9:00am - 5:00pm
Tuesday: 9:00am - 5:00pm
Wednesday: 10:00am - 5:00pm
Thursday: 9:00am - 5:00pm
Friday: 9:00am - 5:00pm
Saturday: Closed
Sunday: Closed
St. Cloud
1532 West St. Germain Street
St. Cloud, MN 56301
Lobby
By appointment only.
Drive-Up
Monday: 9:00am - 5:00pm
Tuesday: 9:00am - 5:00pm
Wednesday: 10:00am - 5:00pm
Thursday: 9:00am - 5:00pm
Friday: 9:00am - 5:00pm
Saturday: Closed
Sunday: Closed
Waite Park
206 First Street S.
Waite Park, MN 56387
Lobby
Monday: 9:00am - 5:00pm
Tuesday: 9:00am - 5:00pm
Wednesday: 10:00am - 5:00pm
Thursday: 9:00am - 5:00pm
Friday: 9:00am - 5:00pm
Saturday: Closed
Sunday: Closed
Drive-Up
Monday: 9:00am - 6:00pm
Tuesday: 9:00am - 6:00pm
Wednesday: 10:00am - 6:00pm
Thursday: 9:00am - 6:00pm
Friday: 9:00am - 6:00pm
Saturday: Closed
Sunday: Closed
Sauk Rapids
4 2nd Avenue N.
Sauk Rapids, MN 56379
Lobby
Monday: 9:00am - 5:00pm
Tuesday: 9:00am - 5:00pm
Wednesday: 10:00am - 5:00pm
Thursday: 9:00am - 5:00pm
Friday: 9:00am - 5:00pm
Saturday: 9:00am - 12:00pm
Sunday: Closed
Drive-Up
Monday: 9:00am - 6:00pm
Tuesday: 9:00am - 6:00pm
Wednesday: 10:00am - 6:00pm
Thursday: 9:00am - 6:00pm
Friday: 9:00am - 6:00pm
Saturday: 9:00am - 12:00pm
Sunday: Closed
Minot
2401 N. Broadway
Minot, ND 58703
Lobby
Monday: 9:00am - 5:00pm
Tuesday: 9:00am - 5:00pm
Wednesday: 10:00am - 5:00pm
Thursday: 9:00am - 5:00pm
Friday: 9:00am - 5:00pm
Saturday: Closed
Sunday: Closed
Drive-Up
Monday: 9:00am - 5:00pm
Tuesday: 9:00am - 5:00pm
Wednesday: 10:00am - 5:00pm
Thursday: 9:00am - 5:00pm
Friday: 9:00am - 5:00pm
Saturday: Closed
Sunday: Closed
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Merger FAQs for Great River Members
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We will do our best to clear transactions that use your Great River account and routing number for up to six months; however, we recommend updating everything as soon as possible to your new CU1 information.
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Yes, your account number changed on October 2, 2025. Be sure to update any external parties—such as your employer (for payroll), service providers (for ACH transactions), or lenders—with your new Credit Union 1 (CU1) routing and account numbers.
To find your new account number:
- Log in to Digital Banking.
- Go to the ‘Menu’, then select ‘Services’, followed by ‘Setup Direct Deposits’.
- Here, you can use ClickSwitch to update your direct deposits and ACH transactions, or scroll down to download a PDF with your account details.
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Yes, the routing number also changed on October 2, 2025. The new CU1 routing number is 271188081. You can find it in Digital Banking by scrolling to the Move Money tile, or at the bottom of the cu1.com website.
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Yes, please switch to Credit Union 1’s Digital Banking platform and mobile app, offering convenient access anytime, anywhere.
Download the CU1 Mobile Banking App.
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You may continue using your existing Great River checks, which will be honored for up to 6 months after September 30, 2025. When you're ready to reorder, you can do so easily online.
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Your accounts continue to be federally insured through the National Credit Union Share Insurance Fund, which is backed by the full faith and credit of the U.S. Government and managed by the National Credit Union Administration (NCUA).
