Your Member Number is a unique identifier for your credit union membership. Your account number is used for the initiation of direct deposit or automatic transfers, along with our routing number, 271989950.
The first check order must be placed by a Consumer’s employee and there is a cost. For personal accounts, please call 1-877-275-2228 to place an order. For business accounts, the first order must be placed in person at one of our convenient locations.
After the first order is placed, you may order replacement checks via your online banking. We also offer free online bill payment, accessible via online banking.
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.
Shared branching is a service offered by CCU allowing Members to use other participating credit union locations to make deposits, withdrawals, loan payments, or transfers. These locations can be found on our website: https://www.myconsumers.org/about/locations-hours. Simply type in your zip code to search for locations.
CCU is proud to offer our no-cost mobile check deposit service! It provides the convenience of depositing checks via your home office or mobile phone. Just capture an image of the check, submit it using CCU's secure system and “voila” you made a deposit! To apply for this service, please call our Contact Center at 877-275-2228. CCU’s Mobile App is available for both iPhone and Android users.
*All mobile check deposit users must qualify for the service. Deposits are subject to CCU Funds Availability Policy. All items are reviewed before posting. Deposits made during non-business hours will be posted on the next available business day. Members must be enrolled in eDocuments and have accepted the eDocuments disclosure. Consumers Credit Union reserves the right to review credit history as part of the qualification process for mobile check deposit.
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.