Online Bill Pay makes paying your bills more convenient. All of your billers are kept in one place, no need to log on to multiple biller sites and services. Bills can even be delivered directly to your Online Bill Pay account electronically. Paying your bills is also more convenient with options to schedule payments, to pay bills when they arrive or to hand pay bills on your schedule.
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Nothing. That's right it's free. All you need is a Credit Union 1 Checking Account and access to Online Banking and you can begin paying your bills for free today.
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The Online Bill Pay application can be accessed in Online Banking on the Account Summary screen under Bill Payment. Select Enrollment Options and follow the prompts to sign up.
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You will need a Credit Union 1 checking account and access to Online Banking. To get started gather any copies of bills you wish to pay online. You will need the biller's name, address and your account number with the biller. Many of the companies you pay are already in Online Bill Pay so you will only need to select them from the list and put in your account specific company information. Many billers can also send e-bills directly to your Online Bill Pay account where they can be paid automatically or on demand depending on your preference.
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The answer is some of both. Most payments will be electronic but some billers are still unable to accept electronic payments. In those cases a paper check will be sent. Online Bill Pay can pay bills in three ways:
- Via electronic transmission from Online Bill Pay to the Biller.
- Via check drawn on your personal checking account.
- Via a check drawn off of an account from Online Bill Pay.
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An e-bill is a copy of your bill and the information in it that is sent to your Online Bill Pay account rather than to you in the mail. These bills are kept safely on Online Banking and can be paid automatically or on demand depending on your preference.
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Yes, you can download bill payment history as a .csv (comma separated) file for use in programs like Microsoft Excel. Direct download to Quicken or other personal finance software is not available.
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You can pay anyone from your power company to your paper boy. Online Bill Pay is flexible and payments are sent in the way that billers can process them. You can even make person-to-person payments using Popmoney®.
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Yes, we use industry standard encryption and security measures during the logon and authentication process and during your bill pay session.
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First, don't worry we all make mistakes. Online Bill Pay is flexible and understands these situations. You may cancel your payment at any time via bill pay before the payment is in process. After it is in process you will need to call the bill pay service at 855.837.3991, or contact the Member Solutions Department at 800.252.6950 and we will attempt to cancel the payment or place a stop pay on the check (if applicable).
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You can log in to Online Bill Pay and check the status of payments at any time. If a scheduled payment did not arrive at a biller, you can open a case online to have your payment researched. You can do this by clicking on Bill history, then 'view details' and then 'payment inquiry' inside of Online Bill Pay. You can also call the call center at 855.837.3991 to open a case.
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Your checking account balance will no longer be displayed in Online Bill Pay. However, you can open the Online Banking summary page and Online Bill Pay in separate windows and set them side by side, or you can toggle in between them to see your checking balance and the Online Bill Pay window at the same time.
Online Banking Bill Pay Support. For questions relating to payments made through Online Bill pay please call our Bill Pay support number at 855.837.3991.
Popmoney is a registered trademark of Fiserv, Inc.
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In order to access CU1 Mobile Banking, you need a Credit Union 1 account, access to Online Banking, and a mobile device with an Internet connection.
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You can access CU1 Mobile Banking from any Internet-enabled mobile phone, iPhone®, iPad®, or Android® device.
Note: For the mobile app, devices must be Internet-enabled and have a cell phone number associated with them. The tablet app is currently for iPad® only.
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CU1 Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between web servers are encrypted using the Secure Socket Layer (SSL) technology.
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No. CU1 Mobile Banking is a benefit of CU1 membership and is a complimentary service. Message and data rates charged by your carrier may apply.
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To reset your password, choose the "Forgot Password?" option from the login screen and reset your password.
To reset your User ID, go to the Online Banking login through your mobile device's browser, and select the "Forgot User ID?" option.
You may also call our Member Solutions Team at 800.252.6950.
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Some carriers may block access to text messages from Credit Union 1. Please contact your carrier if you receive a message that texts are blocked or if you have issues receiving texts from Mobile Banking.
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Mobile Deposit is a secure and convenient way of making deposits with your mobile device anytime, anywhere! Take photos of the front and back of your check and submit. Review the deposit and done!
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You can deposit into any of your Savings, Checking or Money Market Account. You can transfer funds from any of these accounts after funds are made available to you, using Online/Mobile Banking.
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The maximum amount per item deposited per day is $2,500 if your account has been opened for 180 days or less or $5,000 if your account has been opened more than 180 days.
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Yes, endorse or sign the check with your signature and your account number.
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On weekdays (excluding holidays), the cutoff time for same business day posting is 4:00PM Central Time. Deposits made after the 4:00PM Central Time cutoff will be posted the next business day. Deposits received after 4:00PM Central Time on Friday or on Saturday or Sunday or any holiday, will be posted on the next business day. Posting usually occurs between 4:00PM and 5:00PM Central Time. Up to $200 of your deposit will be available the following business day. The remainder may be placed on hold up to 2 business days. Longer holds in certain situations may apply.
Mobile Banking Support. For questions relating to signing up, accessing or using the Mobile Banking services please call our Mobile Banking support number at 800.252.6950 and a Member Solutions Specialist will assist you.
Apple, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC.
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With Online Banking you can review transaction history, make account transfers, pay bills or access your account on your mobile device. Online Banking gives you access to your account where you need it when you need it.
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Online Banking is a free service associated with your Credit Union 1 account. Some fees may apply to services accessed within the application like Popmoney®.
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- Click the Register link under the login button
- Review and accept the terms of this agreement
- Enter the information in the required fields and follow the screen prompts.
- Account Number, Last Name, email Address, Zip Code, Social Security Number, Birth Date.
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Online Banking is secured using the latest encryption and Internet security technologies. We take your online security very seriously.
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- Click the "Forgot Password?" link under the password field.
- Enter the information for the Required Fields.
- Click Submit and follow the screen prompts.
Online Banking Support. For questions relating to signing up, accessing or using the Online Banking services please call our Member Solutions Department at 800.252.6950 and a Member Solutions Specialist will assist you.
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As a financial institution, for your protection, Credit Union 1 needs to authenticate who we are communicating with online. Entering your Social Security Number is required to confirm we are in fact registering/authenticating you.
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The digital banking system uses the information on your Credit Union 1 account to establish your online account. You need to use the home or work phone number, or email address that is on your account.
For the Identity Verification step, you do have the option to select, "I can't be reached at any of these numbers." and you will be presented wit out-of-wallet questions to answer in place of receiving a text or phone call.
If you need to update your phone number or email address that we have on file, please contact our Member Solutions Team at 800.252.6950 to get that updated.
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Your last name needs to be entered exactly as it is on your Credit Union 1 account. Please refer to your statement to confirm.
When you receive the Error Message, you can use the "Forgot Password?" option with your User ID. Follow the screen prompts and answer the questions presented. If you continue to receive an error, call our Member Solutions Team at 800.252.6950.
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Linked Profiles. If you are an owner on another Credit Union 1 account and would like to link your profiles so you can manage both accounts digitally through one login, call our Member Solutions Team at 800.252.6950 and request to Link Profiles.
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Unlinked Accounts. Add unlinked accounts to enable you to transfer funds with other Credit Union 1 accounts online. This would be used to transfer funds from your CU1 account to another person's CU1 account (ie: friend, co-worker, family member etc.) on which you are not an owner.
To setup your unlinked accounts, you must be logged in through a web browser (not the mobile app). Click the Transfers dropdown menu and select Unlinked Accounts. After you provide the information, the designated account will be added to your list of destination accounts on the Manage Transfer screen.
Note: The format to add an Unlinked Account is Account=sfx. Money can only be sent to Unlinked Accounts, you cannot request funds with this feature.
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Receive and view all of your documents electronically! You will get a notification that a document is available for viewing. Simply login to Digital Banking and choose Electronic Documents from the Accounts menu.
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When logged in, send a secure message requesting a Cashier's Check. Go to the Profile Menu, select Messages, and click Compose New in the top right corner of the screen. Complete the form and click Send.
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It is easy to change your User ID! Once logged in, go to the Profile menu, select Profile Update, and click Change User ID. Voila!
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Fast Balances is a feature that lets you get a quick look at your balances from the login screen on your mobile device.
To setup Fast Balances, login and go to the Profile menu, select Profile Update, and click Manage Fast Balances. Turn Fast Balances on, and select your accounts. Voila!
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In the Account Summary screen, click on the Certificate Name and additional account details will appear such as: interest rate, Year to Date Interest, and Maturity Date.
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When logged in, simply go to the Transfers menu and click on Manage Transfers. Pick your source, destination, amount, start date and frequency. That's it! Set it up once and don't worry about it anymore.
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Viewing eStatements on mobile devices is a feature that will be available 1Q 2020.
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Text Banking is an easy, fast and secure way of banking while using the texting capabilities of your mobile phone. With Text Banking, you can find out the balance and transactions of your accounts on the go, just by texting.
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You will need to enroll in Text Banking via either Online (desktop) or via the mobile (browser or app). For desktop, go to the Profile dropdown, select Profile Updates and choose Text Banking to enroll in Text Banking. You will need a mobile phone with texting capabilities. Standard messaging and data rates may apply.
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The Text Banking is free to enroll and use, however, your mobile wireless carrier may charge you standard data and messaging rates. Please contact your mobile wireless carrier for messaging and data rates.
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Yes, you do need to create short nicknames to use with Text Banking. It is a lot easier to request the balance of a specific account with short nicknames and makes the reply shorter.
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Do I have to text the commands in all CAPS?
No, the commands are not case sensitive. You can text BAL, Bal, or bal which would all mean the balance command.
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We do not transfer any account numbers, password or such sensitive information. The phone is assumed to be secure with the owner and it is the owner's responsibility to lock the phone for privacy. The balance and transaction history being returned from your account will remain in your messaging history until deleted.
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You can remove a phone from Text Banking by two methods:
a) Texting back stop will remove the phone from Text Banking, or
b) From Online (desktop) or from mobile (browser or app), go to the Text Banking screen. Delete the phone number you wish to remove from Text Banking.
Note that you will need to enroll the phone number again the next time you want to use that phone for Text Banking.
If you have questions, please call our Member Solutions Team at 800-252-6950.
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The payment address is included on your statement. If you pay your credit card bill through Online Bill Pay or need the mailing address it is listed below:
Credit Union 1
P.O. Box 2711
Omaha, NE 68103-2711
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The uChoose Rewards program enables you to earn points for using your card. Once you have earned enough points, you can redeem them for your choice of items or experiences from a huge online rewards catalog.
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Earn 1 point for every $1 spent with your Credit Union 1 Visa Platinum Card. You can also earn more points when shopping at participating retailers. Choose to shop in-store at national or local retailers, or online through uchooserewards.com. When shopping in-store; select Credit, and sign for your purchase.
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It can take up to 40 days for points to be credited to your account. A minimum of 1500 points must be accumulated before redemption. When you have 1500 points, you can redeem them for a wide variety of items. Look for Available Points at the top of any page on the uChoose Rewards website for your total points available for redemption at that time.
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Choose from a wide variety of options, including products, travel, experiences, activities, and event tickets. At the uChoose Rewards website, navigate to the Redeem Points page, click on the category that interests you, and start shopping.
The uChoose Rewards program tracks all points earned, and provides details and information to help locate just what you are looking for when you are ready to redeem points. You can also set up a personal Wish List to help you track the things you want.
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Yes. All cards pooled in an account automatically earn points together. With multiple credit card accounts at Credit Union 1, you can register them in one uChoose account to earn rewards points faster.
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Do not use an envelope for deposits at CU1 deposit-taking ATMs. Our new, high-tech ATMs instantly verify deposits, so envelopes are not necessary. Deposit cash and checks directly into the machine in stacks of 30. The on-screen instructions will guide you through the deposit process.
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You can deposit up to 30 items (cash and checks) at one time. Cash may be facing any direction but must be unfolded lying flat. Checks must be oriented correctly. There is an infographic on the machine that shows proper orientation.
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Can I deposit cash and checks at the same time?
Cash and checks will need to be deposited as separate transactions. Only one type can be deposited at a time. Our high-tech ATMs will automatically count the deposit. It has an option to display check images on the screen before accepting the amount for deposit. For cash, the machine will calculate the amount you are depositing and displays totals on the screen.
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You do not need to sort cash before inserting it into the ATM; it just needs to be unfolded and lying flat. Our high-tech ATMs will automatically sort and count your cash. Coins are not accepted for deposit. The machine will then calculate the amount you are depositing and display it on the screen.
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Yes. There is an option to display check images onscreen for your instant verification. For cash deposits, you will see a total amount. Your receipt will include an itemized listing of all deposited cash, plus images of deposited check(s).
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Cash deposits are available for use immediately.
Check deposits still fall under Credit Union 1 Funds Availability Policy. Check deposits made on weekdays (excluding holidays) by 4:00 PM CST are considered received on the same day. If made on a holiday or weekend, the check deposit will be considered received the next business day. Items $500.01 or greater – the earliest availability for withdrawal of funds will be the 2nd business day after the business day on which we receive the deposit. Payee must be on the account, or the check will be rejected.
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Yes, you can tap the cancel button on the keypad at any time or during the transaction there will be an option on the screen to cancel the transaction. The ATM will return your cash or check(s) to you.
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The ATM will deposit the entire amount into one account. You can achieve the same goal by then performing transfers between your accounts.
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No. CU1 Card Keeper is included with your checking and credit card accounts.
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Yes, you can unsubscribe through the CU1 Card Keeper App via Manage Portfolio. To unsubscribe, uncheck all cards and accounts and tap OK. Or call Credit Union 1 at 800.252.6950. Please note, when unsubscribing from CU1 Card Keeper, all previously set alerts and controls are no longer in effect.
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Yes. To activate an unsubscribed user, you will register as a new user. You are required to select a new username; if you enter your previous username an error displays. Upon successful registration, you may once again use CU1 Card Keeper.
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The app automatically logs the user off after 10 minutes of inactivity.
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Yes. Cardholders can register multiple Credit Union 1 cards within a single CU1 Card Keeper app.
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There is no limit.
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If the card number is new, then yes, you must add the new card number to your profile. You may also unmanage the old card by accessing Manage Portfolio.
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The My Location controls and alerts will check to ensure the merchant location is within a 5-mile radius of the device set as primary within CU1 Card Keeper. These controls impact card present transactions only, therefore internet transactions are not impacted.
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CU1 Card Keeper ignores location information that is more than 8 hours old. So, if the phone is off for more than 8 hours, My Location controls will not take effect, and the transaction will not be denied on the basis of the old location information.
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CU1 Card Keeper performs a proximity check at the granularity of Zip code or city, so if the merchant is close to home then the transactions will still go through.
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The region shows the approximate area where the card can be used; the area must be greater than 5 square miles. CU1 Card Keeper can typically map the transaction down to a ZIP code or city. If the city or ZIP code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a ZIP code or city, in which case CU1 Card Keeper will default to a state-level match.
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Yes. International transactions can be blocked using the Block International location control. Transactions will be limited to the United States.
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No. The location controls are applicable to in-store transactions only.
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Previously authorized recurrent payments will continue to process and will bypass the CU1 Card Keeper edit checks.
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CU1 Card Keeper alerts are sent as push notifications to the phone. The alerts also display under Messages in the CU1 Card Keeper app.
Message and data rates may apply. Check with your mobile carrier for details. The iPhone and App Store are trademarks of Apple Inc., registered in the U.S. and other countries. Android and the Google Play logo are trademarks of Google LLC.
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Yes, the app shows the last 50 card-based transactions posted within the last 30 days.
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We are waiting on necessary external approvals to move forward. With the current state of the banking industry, mergers and acquisitions are not a top priority for regulators. This is not a reflection on the viability of this acquisition or our commitment to the acquisition. We eagerly anticipate welcoming NorthSide Community Bank and all of its customers to CU1 on this new timeline.
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No. Credit Union 1 is ready and able to take on the acquisition of NorthSide. This is not a reflection on the state of either financial institution. It is a reflection on the current state of the banking industry which has other duties that take priority over reviewing mergers and acquisitions right now.
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This delay will not affect how you bank with us. Continue using your NorthSide Community Bank products and services as usual. The conversion to Credit Union 1 products and services will take place after the legal conversion date, which is tentatively scheduled for June 1. We will continue to update you on the effective date of that conversion, and you will receive many communications from the Credit Union 1 team to keep you informed.
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The new tentative legal acquisition date is June 1. Tentatively, the conversion will begin June 16 and you will have full access to CU1 products June 20. If anything changes with either of these dates, we will update NorthSide Community Bank customers as soon as possible.
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Our goal is to ensure a seamless experience for all NorthSide customers as you become part of Credit Union 1. We will communicate regularly about any updates as we have them. You can also visit www.creditunion1.org/northside for the most up-to-date information on the acquisition.
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No, not as of this time. We will keep you updated on the conversion timeline and how that will affect your accounts and access to different products and services. We remain excited about this partnership and our ability to offer you expanded products and services, as well as a modern digital banking platform for both consumers and businesses.
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We want to bring NorthSide Community Bank customers the best value from their credit union and provide the necessary products and services to be your primary financial institution. Credit Union 1 operates the technology and systems that align with NCB customers’ needs. CU1’s internal core values bring the leadership team and board of directors confidence NCB customers will experience a much-needed upgrade in quality of service that NCB is unable to provide in this current economic climate. We believe a synergy exists between the two financial institutions and this partnership will benefit all involved.
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Becoming part of Credit Union 1 means you can now count yourself among the robust membership that drives our credit union. CU1 is a not-for-profit, member-owned cooperative that is committed to the financial success of families and communities. As our membership grows, so does our ability to reinvest in our members. Deposits allow us to increase our lending services, which in turn generates interest income. This allows us to provide improved services and technology in an efficient and cost-effective manner, as well as higher deposit rates and lower loan rates for our members. It’s a financial and service win-win that you will only find at a credit union.
Change is a part of growth and becoming better, and Credit Union 1 has continued to evolve and grow since we were founded in 1958 with an original base of membership of personnel from Chanute Air Force Base in Rantoul, Illinois. Since then CU1 has grown tremendously into a Billion dollar plus financial institution, but our core values remain the same. Be Great, Be Engaged, Be Open, and Be Nice. These core values drive our mission statement “To be THE financial institution that drives family and community success.
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What is the acquisition process and timeline?
The completion of the acquisition will be finalized after the receipt of final state and federal regulatory approvals. Both financial institutions are federally insured and provide the same $250,000 deposit insurance levels - NorthSide Community Bank via the Federal Deposit Insurance Corporation (“FDIC”) as a bank and Credit Union 1 via the NCUA (“National Credit Union Administration”) as a credit union. The combined entity will continue the $250,000 federal deposit insurance levels via NCUA.
Completion of the acquisition, or “closing”, is proposed to take place June 1, 2023, in which you will start to notice the transition to Credit Union 1 at that time. Changes to your accounts and services offered will not occur until the account conversion.
Conversion of customer accounts will not occur until all regulatory approvals are obtained and the acquisition of NorthSide Community Bank is finalized. You will receive important information about the account conversion in advance of the transition of accounts and services.
If you do not desire to become a member of Credit Union 1, you can simply close your NorthSide Community Bank account(s) prior to the closing of the transaction.
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An acquisition will provide the resources to better serve your financial needs through well-developed industry leading technology, new products and services, and highly competitive rates. We want to be your first choice as your primary financial institution. Nothing will change until regulatory approval is received. This partnership will mean we can better anticipate and meet all your financial needs.
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Both financial institutions are federally insured and provide the same $250,000 deposit insurance levels - NorthSide Community Bank via the Federal Deposit Insurance Corporation (“FDIC”) as a bank and Credit Union 1 via the NCUA (“National Credit Union Administration”) as a credit union. The combined entity will continue the $250,000 federal deposit insurance levels via NCUA.
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The reason our two financial institutions are pursuing this acquisition is to better serve NorthSide Community Bank customers. Credit Union 1 strives to provide premium service and you will continue to receive personalized service as you do today.
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As a Credit Union 1 member, you will be part of a premier financial institution. We strive to exceed your expectations in our delivery of innovative financial solutions. Credit Union 1 is here to help you achieve your maximum economic potential.
Credit Union 1 has different available options to become a member of the credit union. Our field of membership allows for any person that lives or works within a 25-mile radius of each of NorthSide Community Bank’s branch locations to be eligible for membership in the credit union.
- You will be a member-owner, not just a random person with an account number
- You will have a voice in how the credit union is run
- We focus on financial stability and serving our members, not profits
- Personal attention is given to members’ needs
- Access to 5,000 branches and 30,000 surcharge-free ATMs across the country through the CO-OP Network
- Competitive rates and fees
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Will the NorthSide Community Bank branches remain open?
Once regulatory approval is received to be acquired by Credit Union 1, all NorthSide Community Bank branches will remain open. Credit Union 1 has 17 branches in Illinois, Indiana, Nevada, and Georgia and in addition to all CU1’s branches, members will also have access to their robust digital banking platform, along with access to the CO-OP shared branch network and CO-OP surcharge-free ATM network.
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You can continue to use NorthSide Community Bank branches. We cannot begin integrating the operations of the two financial institutions until after the proposed acquisition effective date of June 1, 2023. NorthSide Community Bank customers will be notified as soon as the additional branches are connected.
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Credit Union 1 ATMs are available for anyone to use; however, we cannot begin integrating the operations of the two financial institutions until after the proposed acquisition effective date of June 1, 2023, so you may incur a fee until that time. Once the acquisition is effective, you will have access to all Credit Union 1 ATMs at no charge along with more than 30,000 CO-OP surcharge-free ATMs nationwide.
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You will receive a copy of Credit Union 1’s fee schedule in future correspondence. While you may notice different terminology and intervals at which fees may be charged, it is our goal to keep total fee amounts the same or less than what was historically charged to you as a customer of NorthSide Community Bank.
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