FAQs

Account Information

What is the routing number?

2724-8200-3

How can I join?

Membership to CPCU is offered to anyone who lives, works, or worships in our charter area. If you are eligible, we’d love to have you as a new member! For security purposes and your safety, we do not open accounts online at this time. We do have two easy ways to join:

  1. Call us at 517-372-2400
  2. In person at any branch or school branch location

You will need a state issued ID or driver’s license and a social security number. All members deposit $25 in a share account, $5 for youth accounts, which serves as your par value and allows you one vote at the annual meeting.

How do I contact the Audio Teller?

Private Line 24hour Audio Teller: For direct 24 hr access to your account call:517-371-3200.  You will need your account number and a PIN.

Why is there always $25 more in my savings account than is available?

Every adult member keeps $25 in a Prime Share Account (youth up to age 18 keep $5) as their share of ownership in the credit union. The par value may not be withdrawn.

What if I need to change my address?

Online: You can change your address directly through CPCUi. Log in to your CPCUi account, and click the User Profile tab > Change Address.

In person: You may complete this form and return it to any branch or by fax to 517-371-2728.

How do I change my name after a marriage or divorce?

If your name has legally changed due to marriage or divorce we do need a copy of the marriage license or divorce decree along with your driver’s license and your new signature on an account card for the permanent file.

How do I close my CPCU account?

We need to have written instructions to close the account with a signature from the Primary Account Holder. All loans and credit card balances must be paid in full.

CPCUi & E-Statements

How do I get started with online banking?

Simply read, sign and return to any branch a copy of the CPCUi End User Agreement. Once we have that we will issue you a password with instructions to get started.

I tried my password too many times and I’m locked out. How do I get unlocked?

Please contact the credit union during regular business hours and we will get you unlocked and issue a new password if it is needed.

Why do I have to change my password every 90 days?

Passwords must be changed every 90 days for your protection. They must contain 8 – 23 characters, at least one letter, at least one number and may contain special characters.

What should I do if I forget my password?

During regular business hours, you may always call the credit union for a new password. There is also a “FORGOT PASSWORD” button under the log-in box. If you have a current email address on file, this feature will send a new password to that email address- it is good for 30 minutes.

Why do I have to choose a picture and answer security questions?

Multi-factor authentication includes choosing a picture to identify our site and answering security questions. This is a government requirement to enhance online security.

What if I forget the answers to my security questions?

Please call the credit union if you receive a lock-out message.

I am having trouble logging in to online banking, what should I do?

If you are having trouble logging in please call the credit union. If it is after hours please leave a message and we will return your call.

Will I be able to view all of my accounts when I log in?

When you log into CPCUi, you will see your account information. On the left side of the screen, there is a drop-down box, which includes all accounts on which you are joint. You may transfer between these accounts.

How will I view my e-statement?

Simply select “View Statements” from the drop-down menu. You may view them by date.

ATM/Debit Visa Check Cards

My card is cracked and/or not working, how do I get another?

Call the credit union and we will order a replacement card for you.

What do I do if my card is lost or stolen?

Credit Cards: Call the credit union right away so that we can block your card and order a new one. During non-business hours call 1-800-828-3901.

ATM/Debit Cards: Call anytime, 24/7, 1-800-264-5578.

Is there a limit to how much cash I can withdraw from an ATM?

Yes, the typical ATM cash withdrawal limits are $50 (student) $250 (regular) and $500 (VIP) in a 24 hour period.

Why isn’t the deposit I made into the ATM available right away?

Funds deposited into an ATM are not immediately available. ATM deposits must be collected, verified and entered into our system which will delay the time that they become available to you. Typically funds deposited into an ATM are available after 3 business days.

E-Transfer Services

I have a CPCU account, can I receive an E-Transfer?

Yes. There is no charge for an incoming electronic transfer. Please give these instructions to the institution sending the transfer to your CPCU account.

Receiving Institution: Consumers Professional Credit Union #272482003
Final Credit to: Your Name, Your Account Number

Can CPCU send money from my account to another institution or person?

Yes. We offer Same Day E-Transfers and Next Day E-Transfers. Please see our current Member Services Price List for complete details. If you use our bill pay service iPayPlus, you may also arrange to send money to another person or to pay a bill.