Skip nav to main content.
No monthly fees

Experience hassle-free banking with our Basic Checking Account

Unlock no minimum balance, no fee with NCU debit card, no monthly service charges

Banking that works for you

Enjoy a checking account with no minimum balance, no monthly fees, and free overdraft protection — because your money should work harder, not cost more.

wallet 3

No minimum balance

Start with whatever you have. We don't penalize you for building your savings at your own pace.

investment 2

No monthly fees

Keep 100% of your money. No maintenance fees, no minimum usage requirements, and no monthly fees with our free Mastercard debit card.

data security 2

Overdraft support options

A personal line of credit can provide access to funds when you need them.

Loans are subject to credit approval.

What our customers say

Everyone Is very professional and friendly. 15 minutes to create your acct and you obtain debit card in same visit. Absolutely couldn't ask for more
Michael T.
Great place to bank. The staff are friendly and always are there to help. Never had any problems here and I have been banking here for about 12 years.
April G.
Friendly service and willing to work with you when you are in a down and out situation. I would highly recommend Northwoods Credit Union!
Lynn T.

Frequently asked questions

Find answers to common questions about our checking accounts and services.

  • A debit card allows purchases and ATM withdrawals from your checking account.

  • Contact Northwoods Credit Union immediately.

    You may also turn on/off your debit card in the Northwoods Credit Union online and mobile banking platforms.

  • Yes. Debit cards can be used at eligible online merchants.

  • Yes. Keep contact information current and monitor transactions.

  • Follow the instructions provided with your card.

  • Replacement options are available. The fee for a lost card is $10.

  • Checking accounts are designed for everyday transactions.

  • There is no fee to use an ATM at Northwoods Credit Union branch locations. We also do not charge fees to use your NCU Debit card at external ATMs.

Loyalty Choice Rewards Checking

Learn more

Earn rewards for everyday spending.

Start your loan application today

Apply now

Apply online 24/7 whenever it’s convenient for you.

Become a credit union member today!

Learn more

Discover the benefits of becoming a member.

Become a member

Open your free checking account today

Join the thousands of satisfied customers who trust us with their everyday banking needs.