Help & FAQs

MICR (Magnetic Ink Character Recognition) data is printed at the bottom of your check in a series of three numbers.  The first is the credit union’s 9 digit Routing and Transit number (RTN), the middle is your account identifier or number (often called the MICR number) and the third is the check number.  The middle set, the MICR account number, is only assigned on accounts where you can write checks.  In addition to finding it in the center grouping of numbers  on your checks, you can find it in the Account Information screen in eBanking.

Use this number:

• When setting up Direct Deposit or automatic deduction to or from your checking or money market accounts
• When ordering checks

Do not  include spaces when using this number, and be sure to include all the digits (up to 12) in the center group of numbers.

To set up direct deposit or payroll deduction, use our Routing and Transit Number (RTN) 325272270 and

• For Savings: Member Number and select "Savings"
• For Checking or Money Market: Your MICR account number 

• When mailing in a deposit or loan payment or using a night depository. Include the account number and your loan or share ID.
• When accessing your accounts within Telephone Teller if you have multiple checking, savings, certificate or loan accounts.

This is used to identify your overall relationship with the Credit Union and is given to you when you join. You may have more than one member number.  You’ll see this number incorporated in your MICR number on share draft and money market accounts. Use this number:

• When contacting or visiting us to conduct business or get assistance more quickly. It helps us identify your overall member relationship and view your accounts.
• When calling Telephone Teller and identifying yourself at the beginning of the call.
• When conducting business at Co-op Shared Branching. It will allow them to view your True North accounts.
• When setting up a direct deposit or automatic deduction for your savings account. 

This identifies a specific account such as a savings, certificate, checking or loan account. It is assigned as each account is opened. The Share or Loan ID number appears in the body of your periodic statement with the account balance and activity.  This number is a 4 digit number beginning with an S or an L to indicate the type of account.  Examples:  S0001, S7780, L1020, L6000

You can either stop by a branch or call 1-888-886-0083.  Calling from a number on your credit union account will speed the process. If you have any issues, please reach out to the Contact Center at 907-523-4700.

If you are sure you have lost your card and want to report it, contact us at 866-664-9364.

If you are unsure where it is, you can block it from activity through eBanking.

• Login to eBanking
• Click on Cards, and block it.
  • You will have to contact us to unblock it if you find your card

Generally, it takes 7-10 business days for you to receive your new card. If you need it sooner, ask the Member Service Representative for alternative delivery options.

Your Mastercard Debit Card comes with Mastercard ID Theft Protection, Global Service, and Airport Concierge.  Your Mastercard Credit Guide to Benefits can be found here.

To make a purchase, simply tap your Mastercard contactless card on the payment reader when you see the contactless symbol.  Typically, your card must be within an inch or two of the symbol at the terminal at the counter.

You can either stop by a branch or call 1-888-886-0083.  Calling from a number on your credit union account will speed the process. If you have any issues, please reach out to the Contact Center at 907-523-4700.

Your Mastercard Debit Card comes with Mastercard ID Theft Protection, Extended Warranty, Satisfaction Guarantee, Global Service, and Airport Concierge.  Your Mastercard Debit Guide to Benefits can be found here.

The best way to order a new debit or credit card is to contact us through our Member Contact Center at (907) 523-4700 or email memberservice@truenorthfcu.org.

To make a purchase, simply tap your Mastercard contactless card on the payment reader when you see the contactless symbol.  Typically, your card must be within an inch or two of the symbol at the terminal at the counter.

You can access the NCUA’s Share Insurance FAQ’s Questions and Answers for more in-depth information. The NCUA’s website, also, has a Share Insurance Tool Kitwith numerous helpful publications and links. You may also contact NCUA's Consumer Assistance Center with questions about Share Insurance between 8 a.m. and 6 p.m. (EDT) at 1-800-755-1030, press 1 for share insurance questions.

Like FDIC coverage for banks, your share savings, money markets, checking and certificate deposits are covered up to $250,000, and IRA shares and IRA certificates are covered up to $250,000. If you have multiple ownership structures or multiple owners, you may have more coverage. Our staff can help, or go here for the NCUA’s Electronic Share Insurance Calculator.

The National Credit Union Administration (NCUA) is the federal agency charged with administering the National Credit Union Share Insurance Fund. This is the insurance that guarantees your deposits.

The risks posed by carrying large sums of cash, and keeping it at home, are significant. We do not advise people to withdraw their savings in cash.

All funds invested in an account or accounts by a corporation, partnership or unincorporated association engaged in independent activity are added together and insured to the $250,000 limit. If they aren’t used for an independent activity, they will be added to your individual deposits for determining insurance limits.

If you forget your password, you can reset it by:

• Click the Forgot Password button and walk through the prompts.
• Click here to see password reset instructional details.
• Member Contact Center is always here to support you at (907) 523-4700.

How do I Unlock my access?

• Please call the Member Contact Center at (907) 523-4700.

Businesses will register from Desktop or Mobile and will need their TIN or EIN as well as the company start date, to be entered as Date of Birth. If you don’t know that date, please contact us at (907) 523-4700 or email memberservice@truenorthfcu.org.

Business Accounts/Trusts/Organizations which use an individual’s SSN, that individual will register their personal information and
will be able to view the account when logged in.

The Member Contact Center can take a look and help you. You can use the Secure Message service within eBanking to send us a message, email memberservice@truenorthfcu.org or call us at (907) 523-4700.

Go into Settings > Safari and scroll to Privacy and Security.  Make sure Prevent Cross Site Tracking is disabled.    Also make sure “Block all Cookies” is disabled. 

Yes, you can enroll in eBanking from Desktop or Mobile, and your username and password will work on either platform. While there are some exceptions (like Mobile Deposit on Mobile and File download on Desktop), the two platforms are largely identical in functionality.

Microsoft Edge, Safari, Chrome and Firefox

Yes. Click on the three dots to the right of the transfer in the My Finances/Scheduled Transfers screen and select delete.

Note: If cancellation is needed on the date of the scheduled transfer, between the Credit Union and another Financial Institution, please contact member services to inquire on cancellation. Due to processing times, the transaction may appear as able to be deleted, but this may not reflect in our system.

To do this, you will set the member as a Contact. Go to My Finance >My Recipients >Contacts and send them an invite. This allows members to keep their financial information private and secure while still providing a means to transfer to them easily. Once they have accepted the invite, they will be available in the Transfer Money area as a Contact to send to.

Additional details can be found here.

You can schedule transfers between your accounts or outside of True North using the Transfer Money area.

When you are setting up a new external account, you have two options. Here's the difference:

1. Your accounts at other institutions: You have full access to the account and may want to move money back and forth.
2. For accounts from which you cannot withdraw money: You will only ever want to send money to it. This will probably only apply if you are sending money to a loan or a third party. This option does not require the microdeposit verification process.

Integration with Plaid is planned but not currently available.

Check your pop-up settings. Several functions, such as accessing estatements, do utilize pop ups.

If you print an account’s activity, it will print with your name and account number information on it, providing you with documentation similar to an eStatement. Also, you can reach the Member Contact Center at memberservice@truenorthfcu.org or (907) 523-4700 for assistance.

To resolve possible statement discrepancies, contact us at (907) 523-4700, come into the branch, or write to us at 2777 Postal Way, Juneau, AK 99801. Please refer the Membership Agreement for additional information on disputes.

When you first register, there’s a prompt to enroll in eStatements and eNotices. If you select that option, you’ll be enrolled for the account number you entered as part of the registration process.

If you have other account numbers on which you are the primary member or you didn’t enroll in eStatements at initial registration, you can manage your eStatement settings from the :: More Menu/Statements option. From here, you can enroll accounts for eStatements after agreeing to the eStatements disclosure.

You can update an address but cannot add a new one. If you find yourself needing a mailing address separate from your residential address, contact the Member Contact Center at memberservice@truenorthfcu.org or (907) 523-4700 to help you add the new address.

The total balance in the upper left-hand corner is the total of the deposits on which you are the primary member. For example; your savings, certificates and checking accounts on which you are a primary (but not a joint) are included in that total.

No, this means you have been with us a while and have an older MICR number in addition to the newer one. Our eBanking system can only reflect one, but both are correct!

Only one email address is accessible via online banking. To manage multiple addresses, please contact us at (907) 523-4700 for assistance.

There is a known system issue that impacts being able to manage business email addresses. Please contact us at (907) 523-4700 for assistance.

Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make.

You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call at (907) 523-4700, and we can help you determine exactly how much you can afford.

We have some interactive mortgage calculators you can experiment with.

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an Adjustable-Rate Mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Our True North mortgage team can help you evaluate your choices and help you make the most appropriate decision.

You can start your application here.

Just as you are eager to get into your new home, we are eager to get you there as soon as possible! Generally, the items that take the longest to receive are the appraisal and the title work. We always want to get the appraisal and title work ordered as soon as possible to avoid any delays. If you are purchasing a new home, we will do our best to meet the closing date you and the seller have agreed upon on your purchase contract.

Private Mortgage Insurance (PMI) is provided by a private company to protect the mortgage lender against losses that might be incurred if a loan defaults.  It is required if the loan amount is more than 80% of the home’s value. 

This insurance benefits lenders and investor, but it helps homebuyers too. Because True North FCU is protected by mortgage insurance, we can offer loans with low down payments. Without mortgage insurance, we would need to require a down payment of at least 20% of the loan amount.  

In addition to any required down payment, you will also need funds to cover the costs of getting a mortgage. These costs could include the fees for your property appraisal, tax service, flood certificate, title commitment, and recording fees. Additional costs may also be involved in a purchase depending on the situation, including points, inspection fees, pre-paid interest, taxes, insurance, and Private Mortgage Insurance (PMI).   The costs can vary significantly depending on your purchase contract, as the seller may cover some of these costs.

As part of your pre-qualification, we will provide you with a fee estimate that includes all the fees that you could pay - giving you a very good idea of what the total costs will look like. 

An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR).

There are government insured loans such as FHA, VA, USDA or Hud 184.  Each of these programs are unique and have specific requirements.  We will explore these options with you to see if they benefit you.   

Once we receive your application, we assess your situation to see what program is the best fit. Available assets, current homeownership status, consumer credit history, and property location are just a few of the many factors used to determine which program will work best in each scenario. 

Every borrower’s story is unique. No matter what your story is, rest assured knowing that we will work closely with you to find the most compatible program for your needs. 

For your initial pre-qualification, we will ask questions about your income, assets, credit history and employment. We will pull a credit report upon receipt of your application. For most applicants, we will be asking for your most recent 30 days of paystubs, your 2 most recent years of W2’s and 2 months of asset statements. Every application is unique---so if fewer, additional, or different documents will be required, we will let you know.  

You can expect great service and a quick response time, all from real people. Getting started has never been easier: visit our website and complete an online application for pre-qualification or stop by one of our branches to set up an in-person appointment! Once you have submitted your application, one of our Mortgage Loan Originators will reach out to review the details of your application and ask additional question.

True North is owned by our members - without you, we would not be here!  Because of this, our focus differs from the average mortgage provider; prioritizing service and quality over profit and quantity.  We are always looking out for the best interests of our members, working to serve your needs whenever and wherever possible.

The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:

• Earnest Money: The deposit that is supplied when you make an offer on the house
• Down Payment: A percentage of the cost of the home that is due at settlement
• Closing Costs: Costs associated with processing paperwork to purchase or refinance a house

For most homeowners, the monthly mortgage payments include three separate parts:

• Principal: Repayment on the amount borrowed
• Interest: Payment to the lender for the amount borrowed
• Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.