Best Checking Accounts in Duluth, MN: Why Centricity Credit Union is Your Top Choice

I. Introduction

Choosing the right checking account is an important decision for Duluth residents. With so many banks and credit unions in Duluth, Minnesota offering various options, it can be overwhelming to find the best checking account in Duluth, MN for your needs. This page is designed to help you navigate those choices and highlight why Centricity Credit Union stands out as the top choice. Centricity Credit Union has been serving the Duluth and Northeast Minnesota community for over 80 years (established in 1943), providing trusted local financial services. In this guide, we’ll explore what makes Centricity’s checking accounts exceptional, how they compare to other Duluth banks, and how Centricity’s community-focused approach benefits you. Our goal is to help you find the best checking account for your needs.

II. Why Centricity Credit Union?

Local Roots and Community Focus: Centricity Credit Union isn’t just another bank; it’s a member-owned, not-for-profit financial cooperative that exists to serve you, the member. We were founded by local Hermantown-area residents in 1943, and decades later we remain dedicated to our community. Today, Centricity serves around 20,000 people across Duluth and surrounding counties. If you live, work, worship, or attend school in St. Louis, Carlton, Lake, Pine, or Douglas County, you’re eligible to join Centricity and become part of our financial family. This broad membership field means we welcome most Duluth-area residents. As a credit union, every member is also an owner – which means our focus is on providing value back to our members and community, not paying dividends to stockholders.

History and Reputation: With over 80 years of continuous service in Hermantown, Duluth, Superior and the surrounding region, Centricity has built a strong reputation for trust and stability. Our values have remained consistent since the beginning: we treat all people with respect and care, and we prioritize financial education and empowerment for our members. In 2017, we even changed our name to “Centricity” to emphasize our member-centric approach to banking.

Member Testimonials and Satisfaction: Don’t just take our word for it – our members often speak to the quality of service at Centricity. For example, one long-time member shared: “They were always very helpful and professional… If anyone lives in the area they serve, I totally recommend giving them a try.” wallethub.com. Another member noted “The customer service there is always excellent!” wallethub.com. We are proud that many of our new members come from referrals by satisfied customers. Centricity’s commitment to personal service is also reflected in our digital banking feedback – our mobile banking app is rated 4.8 out of 5 stars on the App Store (with 600+ reviews), with users commenting on its ease of use and the pleasant banking experience with our team apps.apple.com. Our focus on member happiness has led to over 85% of members saying they would recommend Centricity to friends and family (per social media reviews), demonstrating the trust we’ve earned in the community.

Community Reinvestment: As a local credit union, Centricity reinvests in the community. We don’t just take deposits and make loans; we actively support local initiatives. Centricity established a charitable foundation in 2021 dedicated to strengthening our community through charitable giving, scholarships for local students, and financial education programs in local schools. We sponsor local events (such as school supply drives and teacher appreciation programs) and our employees regularly volunteer in the community. When you bank with Centricity, you’re helping your community prosper – people helping people is our guiding philosophy.

In short, Centricity Credit Union offers the hometown advantages that big national banks can’t: local decision-making, personalized service, and a mission that puts members first. Now, let’s delve into the specifics of our checking accounts and why they’re the best choice for Duluth residents.

III. Centricity Checking Accounts Overview

Centricity Credit Union offers several checking account options tailored to different needs. All of our checking accounts come with the core benefits that Centricity is known for – no monthly service fees, no minimum deposit, modern digital tools, and a community-focused touch. Below is an overview of our personal checking accounts:

Centric Checking – A simple, everyday checking account open to all ages. This is our flagship checking account. It has no minimum opening deposit and no monthly service fee. Centric Checking comes with all of the standard options (debit card, online banking, Bill Pay, etc.) and some special perks we’ll detail soon (like instant issue debit cards and rewards). It’s an ideal choice for most members seeking a straightforward, cost-effective account for daily use.
Easy Living 55+ Checking – A checking account with extra benefits for our senior members (members age 55 and up). The Easy Living 55+ account includes all of our convenient online services, plus a few bonuses tailored to the “55 and better” crowd. For example, Easy Living 55+ provides one free box of checks each year, free temporary checks and cashier’s checks, and even free fax services – conveniences that many banks charge extra for. It’s designed so that senior members can enjoy both modern online services and more traditional banking needs (like paper checks) at no extra cost.
Wanderlust Young Adults Account – An account package for youth and teens (ages 13-17) starting their financial journey. While primarily a savings-based youth account, the Wanderlust program allows teens (13+) to add a checking account (with a parent or guardian co-owner) when they’re ready. It only takes $10 to open and is geared toward educating young members on money management. This is a great way for high school students in Duluth to learn how to use a checking account responsibly – with guidance from Centricity’s resources and their parents. (Note: For members under 18, a joint adult owner is required, as is standard for all financial institutions.)

All of the above accounts also come with a Mastercard debit card, access to our extensive ATM network, and full online/mobile banking capabilities.

How Centricity Compares to Other Duluth Banks: In Duluth, many banks and credit unions advertise “free checking,” but it’s important to read the fine print. Some national banks like Wells Fargo or U.S. Bank often charge monthly service fees (around $10-$15) unless you keep a certain balance or receive direct depositsupdate.wf.comupdate.wf.com. For example, Wells Fargo’s basic Everyday Checking account has a $10 monthly fee (rising to $15 soon) unless you maintain a $500 daily balance or $500 in monthly direct depositsupdate.wf.comupdate.wf.com. That means if your balance dips or your paycheck isn’t large enough, you get hit with a fee each month – effectively paying the bank to hold your money. At Centricity, we don’t believe in charging you just for having an account. We were one of the first institutions in the area to offer truly free checking decades ago, and we continue to keep our accounts fee-free for members.

Local competitors in Duluth like Share Advantage Credit Union or Harbor Pointe Credit Union also offer no-fee checking optionscentricity.orgcentricity.org, which we applaud – credit unions as a whole prioritize member value. However, Centricity goes a step further with features like a debit rewards program (unique in our market) and instant issue debit cards (get your card the same day at account opening), which many competitors don’t provide. Additionally, Centricity’s membership base (20,000 strong) and multiple branch locations give us the resources to offer cutting-edge digital banking on par with big banks, while still keeping a local, friendly touch. In the next sections, we’ll dive into the key features of Centricity’s checking accounts that truly set us apart from both national banks and local institutions.

(Below we also provide a comparison table in Section X summarizing Centricity vs. other banks, for an easy side-by-side look at fees and features.)

IV. Key Features of Centricity Checking Accounts

All Centricity checking accounts come loaded with features that make banking easy, convenient, and rewarding. Here are some of the key features and benefits you’ll enjoy as a Centricity checking account holder:

No Minimum Deposit or Monthly Fees: Every Centricity checking account is truly free to open and maintain. There is no minimum opening deposit required for Centric Checking (just $10 if it’s your very first account to establish membership)centricity.orgcentricity.org, and we charge no monthly service fee whatsoevercentricity.org. You won’t be penalized for having a low balance in your checking account, and you don’t have to worry about maintaining a certain balance to avoid fees – there are none! This contrasts with many bank accounts that impose $6–$15 monthly fees or require $1,500+ balances to waive feesupdate.wf.comupdate.wf.com. At Centricity, free means free. We believe your money should stay in your pocket, helping you pay bills and save for the future, not being siphoned off by needless fees.
Instant Issue Debit Cards (with Custom Designs): Need a debit card today? We’ve got you covered. Centricity issues your Mastercard debit card on the spot when you open a checking account at any of our branches. No waiting 7-10 business days for a card to arrive in the mail – you’ll walk out with a fully active debit card, ready to use. Even better, we offer a unique design selection for your card, so you can choose a design that fits your personality. Instant issue not only satisfies your need for speed and convenience, but it also enhances security (no card sitting in your mailbox). If your card is ever lost or compromised, we can instantly print a replacement at the branch as well. (Note: Small replacement fee may apply, but there’s no cost for your initial card.) This level of service is something few banks offer – it’s a Centricity difference that our members love.
Debit Card Rewards Program: We’ve partnered with uChoose Rewards® to offer an optional debit card rewards program that lets you earn points on your everyday purchases. Here’s how it works: whenever you run your Centricity uChoose debit card as a “credit” transaction (or select ‘credit’ at the register), you earn 1 point for every $5 spent. Those points accumulate and can be redeemed for a huge catalog of rewards: merchandise, gift cards, travel (flights, hotels, car rentals), and even discounts on fuel at participating gas stations. You can start redeeming once you’ve earned 1,500 points, and points are valid for up to 3 years. We love this program because you’re being rewarded just for using your debit card on things you’d buy anyway (groceries, gas, dining, etc.). For example, by using your Centricity debit card for your monthly shopping, you could rack up points to get a free $50 gift card or a discount on your next vacation. To join the program, you simply enroll your card on the uChoose website (within 24 hours of receiving your debit card) – it’s quick and easy. This debit rewards feature is something most banks (and even many credit unions) in Duluth do not offer on free checking accounts, giving Centricity a clear edge for those who like to be rewarded for their spending.
Nationwide Surcharge-Free ATM Network: Whether you’re in Duluth, driving up the North Shore, or traveling out of state, Centricity gives you convenient access to your cash without fees. We are part of the MoneyPass® ATM network, which provides 40,000+ surcharge-free ATMs nationwide for our members. Any ATM that is in the MoneyPass network can be used with no fee from Centricity. Within Duluth and Minnesota, the MoneyPass network is extensive – for example, many supermarket ATMs, credit union ATMs, and others are available. You can use the “Find an ATM” feature on our website to locate the nearest free ATM in seconds. And of course, you’re always welcome to use our Centricity branch ATMs free of charge as well. By contrast, if you bank with a small local bank with only a couple ATMs, or a bank that’s not in a large network, you might pay $3–$5 per out-of-network withdrawal. Those fees add up fast. (ATM owner may charge a fee)
Online and Mobile Banking: Centricity offers a full suite of online and mobile banking tools that give you 24/7 control over your accounts. Our online banking platform (accessible via our website) and our Centricity Mobile App allow you to check balances, transfer funds, deposit checks, pay bills, and much more, anytime and anywhere. Here are some highlights of our digital banking capabilities:
- Mobile Check Deposit: Using our app’s Remote Deposit feature, you can deposit checks simply by taking a photo with your smartphone. No need to visit a branch or ATM just to deposit a paycheck or birthday check – it’s secure and as easy as snapping a picture.
- Online Bill Pay: Pay all your bills in one place through our online Bill Pay service. You can schedule recurring payments (for things like utilities, rent, etc.), set up eBills, and even send money to friends. In fact, with our Bill Discovery tool, you can link your billing accounts easily and get reminders so you never miss a payment.
- Zelle® Person-to-Person Payments: We have integrated Zelle® directly into our online and mobile banking. Zelle is a popular service that allows you to send money instantly to friends or family using an email or phone number – perfect for splitting a dinner bill or paying back a friend. With Centricity, you don’t need a separate app; Zelle is built into our mobile experience. You can typically send or receive money in minutes with Zelle, which puts us on par with any big bank in terms of modern payment tech.
- Account Alerts and Text Banking: You can set up custom alerts to stay on top of your account activity. For example, get a text or email if your balance falls below a threshold, or when a large transaction posts, or when your paycheck is deposited. Centricity also offers text banking commands if you prefer to get balance info via SMS. These alerts and tools help you manage your money proactively and catch any suspicious activity early.
- Secure and User-Friendly: Our online/mobile banking is not only convenient but also highly secure. We use industry-standard encryption (128-bit SSL) to protect your data and transmissions. For example, our mobile app does not store your account numbers or password on your device and uses secure login protocols. We continually update the app for security enhancements (updates are released regularly to improve your experience and safety). The result is a digital banking experience that our members rate very highly – as mentioned, the app is 4.8★ rated, with members saying “this app is so easy to use and manage. I can stay on top of my spending and transfer money when needed!” apps.apple.com. Whether you prefer banking from your computer or your phone, Centricity delivers a smooth, reliable experience.
eStatements, Text Banking, and More: In addition to the big digital features above, Centricity provides all the small conveniences that make managing your account simpler. You can opt for eStatements (electronic statements) to get your monthly account statement via online banking, which is faster and more secure than paper. We offer text banking commands if you quickly want to check balances or recent transactions on the go. Essentially, all those “extra” services that some banks charge for or don’t offer – we include them to enhance your checking experience at no extra charge. We want you to have full visibility and control over your account at all times.
Overdraft Protection: Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from your primary savings account or line of credit you have at Centricity Credit Union. Transfers from a line of credit may incur a finance charge. Please note that overdraft lines of credit are subject to credit approval.
Courtesy Pay: Courtesy Pay allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Courtesy Pay is still available as secondary coverage if the other protection source is exhausted. Please review the “What Else You Should Know” section at the bottom of the Overdraft Coverage Options page for other important information.
Direct Deposit Convenience: Setting up direct deposit of your paycheck or benefits into your Centricity checking is simple and highly recommended. With direct deposit, your money will be in your account automatically on payday – no waiting to cash checks. Our routing number is 291973739, and you can work with your employer’s HR or payroll to designate your Centricity account for deposit.

In summary, Centricity’s checking accounts are packed with features that make banking easy and even fun. We’ve designed our accounts to fit seamlessly into your life – whether you prefer to bank online from home, pay on the go with your phone, or visit a friendly face at one of our branches, Centricity gives you the tools and support you need. Next, we’ll talk about some additional benefits of membership with Centricity that go beyond the checking account itself.

V. Member Benefits and the Centricity Difference

When you open a checking account at Centricity, you’re not just a customer – you become a member-owner of the credit union. That status comes with extra benefits that you might not get at a traditional bank. Here are some of the broader member benefits and aspects of the “Centricity difference”:

Financial Education Resources: Centricity is committed to helping our members improve their financial well-being. We offer a robust Financial Resource Center on our website, which includes articles, calculators, and tips on budgeting, saving, credit building, and more. We frequently host free workshops for members on topics like first-time home buying, managing debt, or retirement planning. For our young members, as part of accounts like Wanderlust, we provide age-appropriate education on banking basics, how to handle taxes on a first job, and preparing for college. Knowledge is power, and we want every member to feel empowered to make sound financial decisions.
Local Decision-Making & Faster Service: As a local institution, all decisions at Centricity are made right here in Northeast Minnesota by people who understand our community. Need a loan or an exception on something? We don’t send your request to some distant corporate office – our experienced staff and loan officers in Duluth/Hermantown/Superior make prompt decisions, often with more flexibility than big banks can. This local control often means quicker approvals and tailor-made solutions. For example, if you ever need a personal line of credit for overdraft protection or a small loan, we consider your whole relationship and story, not just a credit score, and we aim to say “yes” whenever possible. This is a key benefit of credit union membership: we exist to serve you, not to maximize profit, so we work to find ways to help you reach your goals.
Community Reinvestment and Involvement: Centricity takes pride in actively supporting our community. Through the Centricity Credit Union Foundation and other initiatives, we fund scholarships for local high school seniors, sponsor youth sports teams and community events, and donate to local charities. When you bank with Centricity, your money isn’t being siphoned off to a far-away headquarters or shareholders – a portion of our earnings are reinvested right back into Duluth and the surrounding communities. We often participate in community service projects, and our employees volunteer regularly at local non-profits. This community-first approach isn’t just feel-good marketing; it directly benefits our members because a stronger community means a better place for all of us to live and work. It’s banking with a purpose.
Staff Expertise and Personal Service: Our team at Centricity is known for being friendly, knowledgeable, and willing to go the extra mile for our members. We have Relationship Specialists at each branch whose job is specifically to help you find the right solutions – whether it’s setting up your online banking, explaining how to switch your automatic payments to your new account, or even providing a one-on-one financial counseling session. At Centricity branches, you’re more than an account number. Many of our staff have worked here for years (some for decades) and build personal relationships with members. We often hear members say that at Centricity, “they know me by name and genuinely care about my finances.” This level of personal attention is a big differentiator compared to big banks where turnover is high and service can be impersonal. We take the time to listen and help. Plus, all of our branch locations – whether it’s our East Duluth branch on London Road or our Hermantown branch on LaVaque Road – offer a welcoming environment. We have convenient lobby and drive-thru hours and a staff that truly enjoys helping our member-owners.
Multiple Branches: Centricity currently operates branches in Duluth (East and Denfeld neighborhoods), Hermantown, Superior, and Proctor. This network gives you ample access to in-person services across the Twin Ports area. While many members handle most needs online or via ATM, it’s reassuring to know you can walk into a branch and talk to a real person. We also have a local full-service Contact Center based in Superior, just call us during business hours and you’ll reach a helpful representative who can assist with your accounts or answer questions. Our contact center can even perform many transactions for you over the phone. In short, access to your credit union is easy and convenient, however you choose to bank.
Additional Member Perks: Being a Centricity member comes with some extra perks that you might not expect. For example, through the national “Love My Credit Union Rewards” program, our members can get exclusive discounts on things like cell phone service (certain carriers), tax preparation software, travel and entertainment, and more. Over 8 million credit union members nationwide have saved nearly $2 billion through these discounts. As a Centricity member you can access these deals for free – it’s another way we add value to your membership. We also offer services like discounted insurance products (auto, home, life through trusted partners) and investment services to help with retirement planning, all under our roof so you have a one-stop-shop for financial needs.

All of these member benefits tie back to one thing: Centricity is centered on you. Our mission is to improve our members’ lives and support our local community. When you choose Centricity Credit Union for your checking account, you’re gaining more than a set of banking features – you’re gaining a supportive partner in your financial journey.

VI. How to Open an Account

Ready to open a Centricity checking account? Great! We’ve made the process simple and convenient. Here’s a step-by-step guide on how to open an account with us:

1. Ensure You’re Eligible: Centricity Credit Union’s membership is open to anyone who lives, works, worships, or attends school in St. Louis, Carlton, Lake, Pine, or Douglas County (this covers Duluth and much of the surrounding region). If you’re in Duluth or the greater Twin Ports area, chances are you’re eligible. Membership is also open to immediate family of existing members. If you’re not sure, just ask us – but most local residents will qualify.

2. Gather What You’ll Need: To open a new account, you’ll need to provide some personal information and identification, as required by federal law. Make sure you have the following handy:

Government-Issued ID: Such as a driver’s license, state ID, or passport (for identification verification).
Social Security Number (SSN) or Tax ID: We’ll need your SSN or ITIN for identity verification and for account records.
Proof of Address: If your current address is not listed on your ID, a utility bill or other proof of residence may be useful (especially if you’re applying online, to verify your local address).
Date of Birth and Other Personal Details: (If opening a youth account, the parent/guardian will need to provide their info as well as the minor’s).
Initial Deposit: Although our Centric Checking has no minimum deposit requirement, if you’re a brand new member you will need at least $10 to deposit into your savings account to establish membership (this $10 stays in your savings as your ownership share).

3. Choose Your Opening Method – Online or In-Branch:

Apply Online: You can apply for membership and open a checking account online in just a few minutes. Visit our website and click “Open Account” or “Apply Now” on the Centric Checking page. Our online application will guide you through providing your information and funding your new account electronically. It’s secure and convenient – you can do it from your computer or even your smart phone. (Tip: If you run into any questions during the online application, you can call our help line and a representative will assist or walk you through it.)
Apply in Person: If you prefer face-to-face service or have questions, you are very welcome to visit any Centricity branch to open your account in person. Our knowledgeable Relationship Specialists will sit down with you, answer any questions, and handle the paperwork on the spot. No appointment is necessary – just walk in during business hours and let an employee know you’d like to open an account. We’ll probably ask you to fill out a membership form (or we’ll fill it out for you) and verify your ID, etc. Opening in person usually takes only about 15-20 minutes. You’ll walk out with your new account number and debit card in hand (we print it instantly for you as mentioned earlier).
Apply by Phone: While account opening requires a signature, we can start the process over the phone if needed. Our contact center can help you fill out an application and then arrange for signatures via secure e-sign or in-branch follow-up.

4. Fund Your Account: When opening, you’ll need to make that initial deposit into your membership savings ($10). If opening online, you can fund via an ACH transfer from an account at another bank or with a debit card. If in-branch, you can fund with cash, check, or a transfer. This is also a good time to decide if you want to deposit additional money into your new checking. Many members will bring their opening deposit from their old bank account. (We can even help you wire or transfer funds from another bank if you are moving money over.)

5. Set Up Account Access: Once your account is open, you’ll receive your account number (and member number) and routing number (291973739). You can then immediately enroll in Online Banking via our website (click “Enroll Now” for new user). Similarly, you can download our mobile app and log in. If you opened in person, our staff will often help you enroll in digital banking right on the spot so you leave fully set up. Don’t forget to activate your debit card (if not already active) by following the instructions provided – usually just a simple phone activation or PIN setup. In-branch issuances are typically active immediately with a temporary PIN, which you can change.

6. Switch Your Direct Deposits and Payments: Now that your Centricity checking account is open, you’ll likely want to redirect your payroll direct deposit and any automatic payments to this new account. We know this sounds daunting, but we’re here to help make it easy:

For direct deposit, provide your employer with a voided Centricity check or simply give them our routing number and your new account number, and specify checking. Many employers have an online portal for direct deposit changes – it only takes a minute to input the new info. (Remember, our routing number is 291973739.)
For Social Security or government benefits, you can contact the Social Security Administration or use their online service to change your bank account for deposits.
For automatic bill payments (utilities, subscriptions, insurance, etc.), you’ll want to update your payment method to your new Centricity debit card or provide your checking routing/account numbers for ACH.

7. Enjoy Your New Account! You’re all set. Use your debit card anywhere Mastercard is accepted, write checks if you have them, and leverage all the online tools. Be sure to sign up for uChoose Rewards if you want to take advantage of the debit card points program (if you didn’t during account opening). And if you have any questions as you start using the account, reach out to us – we’re here to help ensure your transition is smooth.

Timeline: Opening an account with Centricity can be very quick. An online application can be completed in 10 minutes and, if everything verifies, your account could be opened within the same day. In branch, as noted, you walk out with an active account and debit card the same day (often within an hour). Switching direct deposits might depend on your payroll cycles (usually it takes one pay cycle for a change to take effect), but otherwise you can fully move your daily banking to Centricity in less than a week. We handle new account applications promptly – typically on the spot or within one business day at most if opened online.

If at any point you need assistance or have questions during the process, Centricity’s team is a phone call or visit away. We take pride in helping new members get up and running with ease. After all, the hard part should be choosing the right account (hopefully this guide helps with that!) – not opening it.

VII. Security and Digital Safety

When it comes to your money, security is paramount. Centricity Credit Union takes a multi-layered approach to security to protect your accounts and personal information, whether you’re using your debit card at a store or banking online from home. Here are some key points about how we keep your accounts safe and tips for you to stay secure:

Debit Card Security Features: All Centricity debit cards come with the latest EMV chip technology and support contactless transactions. The EMV chip adds an extra layer of encryption each time you use your card at a chip-enabled terminal, greatly reducing counterfeit fraud. The contactless feature (Tap-to-Pay) allows for quick transactions and also uses secure tokenization to protect your card information. Additionally, our cards are compatible with digital wallets (Apple Pay, Google Pay, Samsung Pay). Digital wallets can be even more secure, as they never transmit your actual card number to merchants (they use one-time tokens). We encourage members to use these secure payment methods for convenience and safety.
Card Controls and Alerts: Centricity offers a Text Alert Service for debit cards. When you enroll in our free fraud text alerts, our system will automatically monitor your card transactions 24/7. If any transaction appears suspicious or outside of your normal spending pattern, you’ll instantly get a text message asking you to confirm whether you recognize the charge. If it’s fraudulent, you can respond and we’ll block the card immediately to prevent further misuse. If it’s actually you making the purchase, you simply reply to confirm and you can continue using your card without interruption. This real-time monitoring and two-way communication has stopped countless fraudulent attempts and given members peace of mind. And as always, if your card is lost or stolen, you can call us 24/7 (we have an after-hours fraud line) to report it and we’ll take immediate action.
Account Fraud Monitoring: Behind the scenes, Centricity uses advanced fraud detection systems that monitor account activity across all channels. Unusual login to your online banking? Large wires or ACH transactions out of pattern? Our systems flag these, and our fraud prevention team may reach out to verify or take action. We work closely with law enforcement and industry fraud databases to stay ahead of scams targeting our area. We also publish Fraud Prevention & Security tips on our website and in our communications to help educate members on the latest scams (phishing emails, phone scams, etc.). We urge members: if something seems off or “too good to be true,” contact us. We’d rather spend a few minutes double-checking than have you fall victim to a fraud scheme.
Online & Mobile Banking Security: Our digital banking platform employs robust security measures. The website and app use 128-bit SSL encryption for all data transmission. When you log in, multi-factor authentication is in place (e.g., security code, challenge questions or one-time passcodes) to ensure it’s really you. You have the ability to set up a unique username and complex password – and we encourage strong passwords. We never display your full account numbers online and will log you out automatically after periods of inactivity. The mobile app has the option of biometric login (fingerprint/FaceID) for both convenience and security. We also advise members to keep their contact info updated because if we detect a suspicious login, we may contact you or require additional verification. Rest assured that no sensitive data (like full account numbers or passwords) is stored on our mobile app locally. If your phone is lost or stolen, your accounts remain secure behind your login (and you can call us to remotely deactivate mobile access as well).
Privacy and Data Protection: Centricity follows strict privacy policies. We do not sell your personal information. Any sharing of info (like for a service you signed up for) is done in accordance with regulations and is limited. We undergo regular security audits and examinations by government regulators to ensure we meet high standards for data security. Our IT team stays updated on cybersecurity threats and continuously works to protect our network and systems from intrusion. We also have safeguards to protect against identity theft, such as our requirement for proper ID verification on significant transactions or account changes.
NCUA Insurance – Your Money is Safe: All Centricity Credit Union deposit accounts (checking, savings, certificates, etc.) are federally insured by the National Credit Union Administration (NCUA) up to at least $250,000 per depositor. NCUA insurance is the credit union equivalent of FDIC insurance for banks – it’s backed by the U.S. government, and it means your money is completely safe even in the unlikely event something happened to the credit union. In our long history, Centricity has remained financially strong and well-capitalized, but that extra layer of federal insurance protection should give you full confidence and peace of mind. If you have balances above $250k, talk to us – we can structure accounts (like joint accounts, trust accounts, etc.) to extend coverage per NCUA rules, often far beyond $250k, so that every penny you deposit is protected.
Tips for Members: We partner with you in security. We encourage you to:
- Monitor your accounts regularly via online banking or statements. With our alerts, you can be notified of activity as it happens.
- Never share your PIN or online banking password with anyone. Centricity will never call or email asking for your password or one-time code – if someone does, it’s a scam.
- Be cautious of phishing attempts: always ensure you’re on our legitimate website (look for the lock icon and our .org URL) or calling our official number. If in doubt about any communication, call us directly.
- Shred sensitive documents and be careful on social media (don’t overshare personal info that could be used in security questions).
- Use the card controls and alerts we offer – they’re free tools to help you catch fraud early.
- When traveling, let us know so we can note it on your card (to avoid out-of-area declines). Our fraud system might block an overseas transaction if we weren’t aware you’re abroad, for example.

By following these practices and utilizing Centricity’s security features, you can bank with confidence. We take protecting your hard-earned money very seriously. Our combination of cutting-edge technology (like chip cards and encryption) and personalized vigilance (like our fraud team and member education) creates a very secure banking environment. In fact, many members tell us they feel safer banking with a local credit union like Centricity than a big bank, because they know we’re watching out for them personally.

Remember: security is a partnership – with Centricity’s robust safeguards and your smart usage, your checking account will remain safe and sound.

VIII. Frequently Asked Questions

Q: Who can join Centricity Credit Union?
A: Membership is open to individuals who live, work, worship, or attend school in Duluth or surrounding counties (specifically St. Louis, Carlton, Lake, Pine in Minnesota, or Douglas in Wisconsin). This includes essentially the whole Duluth-Superior region and much of Northeast MN. Immediate family of eligible individuals can also join. If you’re not sure about eligibility, just ask – most people in our area will qualify. Joining simply requires opening a savings account with a $10 deposit (your ownership share). Once a member, you can enjoy all of our products, including checking accounts.

Q: Is Centricity Credit Union as good as a bank? What are the differences?
A: We’d say it’s even better! Centricity offers all the same services you’d expect from a bank – checking, savings, loans, debit cards, online banking, ATMs, etc. – but with a not-for-profit twist. The differences are: we are owned by our members (so our profits go back to members in the form of better rates and low fees, rather than to shareholders), we typically have lower fees and better customer service, and we have a local focus. Credit unions like Centricity are also federally insured (by NCUA) just like banks are by FDIC, so your money is just as safe. In short, you get the same convenience and safety, but often more value and a community-oriented approach. Many members appreciate that decisions are made locally and that we exist to help them, not to upsell unnecessary products.

Q: What ATM access do I have, and are there ATM fees?
A: As a Centricity member, you have access to over 40,000 surcharge-free ATMs nationwide through the MoneyPass network. In the Duluth area, that includes our own ATMs and many others (MoneyPass ATMs can be found at certain other credit unions, convenience stores, etc. – use our ATM locator to find one near you).

Q: How does the debit card rewards program work?
A: Our uChoose Debit Rewards program is an optional benefit you can enroll in (for free) with your Centricity Mastercard debit card. After you enroll, you will earn 1 point for every $5 you spend on signature-based (credit option) purchases. For example, if you buy $100 in groceries and run your card as credit, you’ll earn 20 points. Accumulated points are posted by the beginning of the next month and you can log into the uChoose Rewards website to see and redeem them. Redemption starts at 1,500 points (when you can get certain gift cards or rewards). You can redeem points for a wide variety of rewards: gift cards to major retailers, travel discounts (airfare, hotels, car rentals), merchandise (electronics, home goods, etc.), or even use points for fuel discounts at participating gas stations, or to pay at online checkout at places like Amazon or PayPal. Points are valid for 3 years, so you have plenty of time to use them. There’s no cost to you – it’s truly a perk for using your debit card. If you prefer to run your card as debit/PIN, that’s fine (those transactions just won’t earn points). Many members find it easy to accumulate points by using the card for everyday purchases. We periodically also offer bonus point promotions (for instance, double points for shopping local during a certain period, etc.). To join, simply register your card via the link on our site or directly at uChoose’s site after you receive your card. It takes just a minute, then start earning! If you ever have questions about the program or points, our team can assist.

Q: What digital services are available for checking accounts?
A: We offer a full range of digital banking services:

Online Banking: Access your accounts 24/7 on our website – check balances, view e-statements, transfer funds, set alerts, and more.
Mobile Banking App: Our Centricity mobile app (iOS and Android) lets you do almost everything on the go – deposit checks with your phone camera, pay bills, send money with Zelle, transfer funds, and even control your cards. It’s highly rated (4.8★) and very user-friendly.
Bill Pay: Pay your bills electronically through online/mobile banking – send payments to companies or individuals, one-time or recurring, and even get eBills.
Zelle®: Integrated person-to-person payments, to send money instantly to friends/family using just an email or phone (built into Bill Pay).
E-Statements: Get your monthly statements digitally (PDF), which are accessible in online banking. You’ll receive an email when your statement is ready. This is faster and more secure than mail.
Text Banking and Alerts: You can text commands to get balances or recent transactions. Plus, set up custom alerts for balances, deposits, withdrawals, loan payment due reminders, etc., delivered via text or email.
Remote Deposit: (Mobile check deposit) – Snap a photo of a check in the app and deposit it without a trip to a branch.
Money Management Tools: Within online banking, you can categorize spending, set budgets, and use our built-in financial management tool to track expenses across accounts.

All these services are free for Centricity members. Essentially, anything a big bank’s online platform can do, we can do – and often more intuitively, based on our members’ feedback. If you need help learning any digital feature, our staff will gladly walk you through it. We also have video tutorials on our site for things like Bill Pay and mobile deposit.

Q: I have an account at another bank. How hard is it to switch to Centricity?
A: We make switching easy and hassle-free. Opening the account is the first step (and we covered how quick that can be in Section VI). The main tasks when switching are moving over your direct deposit and any automatic payments. Many members handle the switch over one or two pay cycles. For example, open Centricity account -> redirect payroll -> once first paycheck posts here, start moving auto-pays -> after confirming all set, close old account. You can run both accounts in parallel for a short time if needed to ensure nothing is missed. We can assist with Wire transfers or ACH pulls to bring funds from the old bank, and we can provide letters to creditors or employers if needed to confirm new account details. Our experience is that most members are pleasantly surprised how straightforward it is – often the most time-consuming part is simply updating payment info on various subscription websites, which is the same amount of effort regardless of which new bank you choose. If you have many automatic payments, take one afternoon to log into each and update the card or account info. We’re here to help if you run into any snags. In short: switching is as easy as 1-2-3 and our team will support you every step of the way. The short-term effort is worth the long-term benefit of being with Centricity, where you’ll save on fees and enjoy better service.

Q: Does Centricity offer other types of accounts and loans?
A: Yes! Once you’re a Centricity member with a checking, you have access to our full suite of financial products:

Savings accounts: Regular savings, money market accounts, club accounts (Christmas and vacation savings) – all with competitive dividends.
Certificates of Deposit (Share Certificates): We offer CDs with various terms and excellent rates (often running specials).
Youth accounts: Like the CU Up North Kids Club for under 13 and the Wanderlust account for teens.
Loans: Auto loans (new, used, refinancing), recreational vehicle loans, mortgages and home equity loans, personal loans, credit cards – you name it, we likely have it at attractive rates. For example, our auto loan rates and approval process are top-notch; many members finance their cars through us and enjoy lower payments. We even do small business loans and accounts if you have business needs.
Credit Cards: We offer a Visa credit card with rewards and a low interest rate for members (separate from the debit card).
Investment and Retirement Services: Through a partnership, we have advisors who can help with IRAs, 401k rollovers, investments, etc., and we offer IRA and Coverdell accounts in-house.
Insurance: As a member, you can get discounted insurance (auto, home, life, pet insurance through partners like TruStage and others).

We aim to be your one-stop financial partner. Many members love the convenience of having their checking, savings, loans, and credit card all under one roof with us – and seeing everything in one online banking login. Plus, we often have loyalty benefits; for example, members with multiple services may get better rates or special offers. We encourage you to check our website or talk to a rep about any financial need – chances are we can help with a better deal than you’ll find elsewhere.

These FAQs cover some of the common queries, but if you have any other questions, please don’t hesitate to reach out to us directly. We’re here to provide clarity on any aspect of our services. As we like to say, the only “dumb” question is the one not asked – we want you to feel completely informed and comfortable.

IX. Member Stories and Reviews

One of the best ways to understand the value of Centricity Credit Union is to hear from the people who actually bank here. We’re proud of the positive feedback and loyalty our members show. Here are a few real member stories and reviews (names abbreviated for privacy):

“They know me by name and helped me when I needed it” – Review by J.S.: “I’ve been a member of Centricity (formerly Hermantown FCU) for over 15 years and I have been very pleased wallethub.com. I have both savings and checking and have also taken out a couple loans with them. The process is smooth – I usually apply online and get a call the next day that I’m approved, then just go in to sign papers. The customer service there is always excellent! wallethub.com They’ve helped me set up my accounts for travel and even caught a fraud charge on my card once, contacting me immediately. I love that this credit union truly cares. When I walk in, the staff greets me by name and with a smile. Big banks don’t do that.”
“A great fit for us – refinance and checking in one place” – Review by Stan & Mary T.: “We moved all our banking to Centricity Credit Union about 3 years ago, and it’s been a great fit for us. We refinanced two loans into one with a comfortable payment wallethub.com, and we opened a checking account to simplify everything. Now our direct deposit goes to Centricity and pays the loan automatically, and we use the checking for everyday expenses. The transition was seamless – they helped us with every step. We’re earning rewards points on our debit card and even got a lower rate on our car loan as part of the package. Great service and a great community feel!”
“Helpful and professional – highly recommended” – Review by B.K. (former member who moved): “A while back I had a checking and savings account with Centricity (Hermantown CU). I only left because I had to move out of the area for work. They were always very helpful and professional, which is all you can really ask from a bank. They especially helped when I was preparing to buy a home – walked me through what I needed financially to be ready. In fact, they were so nice that I felt a little bad closing my account when I moved. If anyone lives in the area they serve, I totally recommend giving them a try wallethub.com.”
Facebook Recommendation (2025) – A member on Facebook recently wrote: “Shout out to Centricity Credit Union! ❤️ I switched over from Wells Fargo and I’m so glad I did. No fees eating away at my balance and the staff at the Duluth branch went above and beyond helping me set up my online banking. 10/10 customer service. Highly recommend to anyone in Duluth looking for a better banking experience.”

These are just a handful of the positive sentiments we receive. In fact, Centricity maintains a 4.4 out of 5 star rating on WalletHub and over 85% of members recommend us on social media. We consistently hear themes of “friendly staff,” “easy process,” “saved me money,” and “community oriented.” That tells us we’re fulfilling our mission of serving members well.

Hearing members talk about Centricity often highlights the human side of what we do. Unlike the anonymous experience one might have with a megabank, here you’ll find real people who genuinely care about helping you succeed financially.

We’re honored by the trust our members place in us and strive to keep earning those rave reviews. If you become a member, we invite you to share your experience too – your feedback helps us continue to improve.

X. About Centricity Credit Union

Our History and Mission: In 1943, people in the Hermantown community came together to create a credit union to give themselves and their neighbors a trusted, local financial solution. We proudly served members of the Duluth Homestead Association and patrons of the Hermantown Community Store. By 1965, we were serving 2,371 people. Today, we serve around 20,000 people. We’ve got branch locations in Hermantown, Duluth, and Superior, with members across St. Louis, Carlton, Pine, Lake and Douglas Counties. Our values have remained unchanged since the beginning, while our resources and personnel have grown to meet the demand for increased membership. We provide financial education and banking solutions to help people understand their options and make moves that have big impacts on their futures.

In July 2017 we changed our name to “Centricity” to reflect our increasing community and member-centric approach to banking.

Branch Locations & Hours: We have several convenient locations in the Twin Ports area: Please check our Branches & ATMs page for the latest addresses, hours, and to find ATMs.

All branches offer new account opening, teller services, loan services, and have ATMs. We also have drive-up lanes for quick transactions. If you prefer not to come in, remember you can accomplish a lot via our Contact Center phone or online banking as well.

Contact Information:

Main Phone: 218-729-7733 (our team is ready to help during business hours).
Toll-Free: 1-888-765-3683
Website: Centricity.org – you can find online banking login, branch info, product details, and more here.
We also offer a secure contact form on our website if you want to send a message (never include sensitive info like account numbers via email though).
We’re also on social media: Facebook, Instagram, LinkedIn – where we post updates about community events, financial tips, and any holiday hour notices.

Community Involvement: Centricity is deeply embedded in the community fabric. We sponsor local events, school sports and clubs, and charity runs. Our Centricity Credit Union Foundation (established 2021) amplifies our charitable impact, providing funding for other non-profits, school programs, and scholarships as mentioned earlier. When you bank with Centricity, you’ll likely see our name around town in positive places – and that’s intentional. We exist to serve the community, not just in financial services but in making Duluth and surrounding areas a better place to live.

In summary, Centricity Credit Union is rooted in Duluth’s history and invested in its future. We’re a local institution with modern capabilities, driven by a mission to serve. If you’re looking for a financial partner who will treat you like a neighbor, not a number – we think you’ll feel right at home at Centricity.

XI. Call to Action

By now, we hope it’s clear why Centricity Credit Union stands out as the top choice for checking accounts in Duluth, MN. If you’re ready to enjoy a truly free checking account, with all the modern conveniences and none of the hassles, we invite you to take the next step:

Open Your Centricity Checking Account Today!

It’s easy to get started:

Open an Account Online – Our secure online application will guide you through becoming a member and opening your new checking account in minutes. You can do this anytime, anywhere.
Visit a Branch or Contact Us – Prefer to speak with us first or open in person? Stop by any Centricity branch (find your nearest location on our Branches & ATMs page) or call us at 218-729-7733. Our friendly staff will be happy to answer questions and help with the process.

When you join Centricity, you’re not just opening a checking account – you’re joining a community of members who benefit from better banking. Our team will ensure your switch is smooth and that you have everything you need, from a shiny new debit card to online banking access set up on day one.

Still have questions or want a personal consultation before deciding? No problem! You can:

Send us a Message – Use the contact form on our website or call us!

And remember, at Centricity Credit Union, your deposits are federally insured by the NCUA up to $250,000, and we’re an Equal Housing Lender. You can bank with confidence knowing your money is safe and your financial partner is trustworthy.

Join the many Duluth area residents who have already discovered the benefits of banking with Centricity. Say goodbye to fees and frustration, and hello to a better checking account experience.

Ready to make the switch? Click the “Open Account” button below or give us a call. We’re excited to welcome you to Centricity Credit Union – where you belong and your best interest is our priority.

>>> Open Your Account Now <<<

Centricity Credit Union – Your Community, Your Credit Union, Your Smart Choice for Checking.

Thank you for considering Centricity Credit Union. We look forward to serving you and proving that when it comes to the best checking accounts in Duluth, MN, your top choice is indeed Centricity – where Centricity is centered on YOU!