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Help & FAQs

Routing Number

325272270 is our routing and transit number (RTN).  It is listed at the top of each page of this website.  

Transactions to checking and money market

Use your MICR Account number to set up electronic transactions to/from checking or money market accounts.  Find it in the center group of numbers on bottom of check or in Account Details in eBanking.

physical bank check displaying where specific numbers are located at the bottom of the check

Transactions to Savings

When establishing an electronic transaction to or from a savings account, use your member number and select "savings".

Frequently Asked Questions

  • What is my MICR Account Number?

    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.

    visual of credt union check example to where the routing account and check numbers are located

  • How do I set up Direct Deposit to my True North account?

    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 to use your Share or Loan ID 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.
  • What is my Member Number?

    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
  • What is a Loan or Share ID

    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

  • How do I change my credit card PIN?

    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.

  • What do I do if I lose my credit card?

    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.

  • What Benefits come with my True North Mastercard Credit Card?

    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.

  • How do I pay with my contactless Mastercard?

    contactless symbol

    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.

  • Where can I get more information?

    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.

  • How much of my money is covered?

    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.

  • What is the NCUA?

    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.

  • Should I withdraw my money in cash?

    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.

  • Are my business deposits insured?

    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.

  • Can I cancel a transaction that I have scheduled to move money in or out of the credit union?

    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.

  • How do I transfer to another True North Member?

    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.

  • How do I set up scheduled transfers?

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

  • Why are there two options when setting up an external account and what is the difference?

    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.
  • Can Plaid access my True North account?

    Integration with Plaid is planned but not currently available.

  • I can't open eStatements and other documents.

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

  • As a joint member, I can't see eStatements on an account - what do I do?

    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 or (907) 523-4700 for assistance.

  • Who do I contact about statement discrepancies?

    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.

  • How do I ensure all my accounts are enrolled for eStatements and eNotices?

    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.

  • How do I know how much house I can afford?

    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.

  • What is the difference between a fixed-rate loan and an adjustable-rate loan?

    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.

  • How do I know which type of mortgage is best for me?

    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.

  • How do I apply?

    You can start your application here.

  • How long will it take to close my loan?

    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.

  • What is Private Mortgage Insurance (PMI) and how does it benefit me?

    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.  

  • How much will getting a mortgage cost?

    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. 

  • How is an index and margin used in an ARM?

    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).

  • What options are there instead of PMI or a large down payment?

    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.   

  • How do I know which program is right for me?

    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. 

  • What information should I have available when I am ready to apply?

    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.  

  • What can I expect when applying for a mortgage with True North?

    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.

  • What are the advantages of getting my mortgage at True North vs any other lender?

    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.

  • How much cash will I need to purchase a home?

    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
  • What does my mortgage payment include?

    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.