Frequently Asked Questions
If you live, work or worship in one of these 24 counties you are eligible for membership at CPCU.
Yes, CPCU offers many resources for business account members.
Overdraft protection is available. Contact one of our branch locations to opt-in for overdraft protection.
Apply for membership by visiting one of our 4 branch locations in Lansing, Eaton Rapids, Battle Creek, or Saginaw. 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.
We have 4 locations: Lansing, Eaton Rapids, Battle Creek, and Saginaw. Each branch is open Monday-Thursday 9AM-5PM and Friday 9AM-5:30PM
We do not exchange foreign currency at this time
We do offer notary services for current members. Please contact one of our branches for more information.
No, CPCU does not offer safety deposit boxes
Yes. For your protection, the standard daily limit per business day is $750.00 for ATM cash withdrawals. The standard daily limit for point-of-sale (POS) purchases including POS cash back is $1000.00. CPCU may temporarily raise one or more of these limits at our discretion and per member request.
Student limits: $50 daily limit for ATM cash withdrawals, $500 for POS purchases.
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. If you need funds earlier, please contact one of our branches.
General Product and Service FAQs
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.
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.
Call the credit union and we will order a replacement card for you.
It is completely free. By using this service, you agree to our terms and conditions, and you will need to agree to the terms of the respective mobile payment provider.
You will have to call us at (517) 372-2400 during normal business hours for verification. This will happen if you have a Samsung or Google device.
Don’t Panic. The security features on your device such as your pin or fingerprint should prevent your mobile wallet from being used. Your physical card will still work if you need to make a purchase. You could follow the individual payment provider instructions below or you can always call us during normal business hours at (517) 372-2400 to ask about your lost or stolen device.
Apple: Log into your Apple ID on any device with internet access to quickly turn off Apple pay. Instructions here
Visit Apple support here for more ways to keep your payment info safe & your lost or stolen device secure.
Google: Find, lock or erase using Find My Device: Learn How
Visit Google support here for more info on how to keep your payment info safe.
Samsung: Remotely lock or reset your phone by logging into Find My Mobile
Visit Samsung support here for more ways to keep your payment info safe & secure in case your device is lost or stolen.
You should be able to use almost anywhere you see this symbol at checkout:
No, Apple Pay will only work with the Wallet application on an Apple device.
Apple pay uses NFC (Near Field Communication) Technology to communicate with card readers or other devices when they are within 4 centimeters of each other. Apple Pay’s technology encrypts your card details into a one-time tokenized authorization for each individual purchase, which makes fraud nearly impossible.
Yes, for in-store purchases, Google pay will work on any NFC-enabled Android device running on Lollipop 5.0 or later, or any Apple device running IOS 7.0 or later.
Google pay uses NFC (Near Field Communication) Technology to communicate with card readers or other devices when they are within 4 centimeters of each other. Google Pay’s technology encrypts your card details into a one-time tokenized authorization for each individual purchase, which makes fraud nearly impossible.
Yes, Samsung Pay will work on most NFC-enabled Android devices using the Samsung Pay app and a Samsung account. See compatibility above.
Samsung pay uses NFC (Near Field Communication) Technology to communicate with card readers or other devices when they are within 4 centimeters of each other. Samsung Pay’s technology encrypts your card details into a one-time tokenized authorization for each individual purchase, which makes fraud nearly impossible.
Currently you cannot use Samsung pay online or within non-Samsung apps.