Back to: GRFCU Consumer Banking
Updated as of | Merger Completion Tracker: 100%
CU1 Business Banking
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.

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High-Priority Items
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Digital Banking Registration
Your local branch team will assist with business Digital Banking registrations. You will receive an encrypted message detailing your first-time log-in instructions and temporary credentials. After receiving your encrypted first-time log-in instructions, please log in within 24 hours using the supplied temporary credentials. Upon logging in, you will be prompted to set a unique password and can update the username to your preferred username under settings.
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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, and use the number at the top—excluding the last four digits.
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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.

Activate Your CU1 Business Debit Card
Call (800) 992-3808 to active your card in a few simple steps!

Business Loans
Members loans were converted to a matching or similar product in the CU1 system. The rate, term, and monthly payment 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. You will need to set up an account directly with EZCard to manage your credit card.
Customer Service: (815) 895-4541

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.
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: 9:00am - 12:00pm
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: 9:00am - 12:00pm
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: 9:00am - 12:00pm
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: 9:00am - 12:00pm
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










