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Centricity’s Commitment to Your Health and Safety

  • Updates

    Update: May 18, 2020

     

    Dear Member,

    At Centricity Credit Union, we remain committed to the health and safety of our members and our staff. While our branch lobbies remain closed, we will continue to offer our services through our drive-thru locations, online and through our mobile app, as well as our Call Center (218)729-7733.

    Our branch lobbies will remain closed until further notice while we continue to monitor CDC official recommendations. 

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    While our lobbies are temporarily closed, our hours of operation will be:

    • Monday-Friday hours: 7:30 AM – 5:30 PM for Drive-through services in all 3 locations and the Call Center.  You may speak live to a Member Services Representative during those times by calling 218-729-7733 or 1-888-765-3683  or you can Email us at contact@centricity.org
    • Saturday hours: 9:00 AM-Noon for Drive-through services in all 3 locations

    Please note: 

    • In-branch services including mortgage closings, financial investments, instant issue replacement debit cards, and access to safe deposit boxes will continue by appointment only by calling 218-740-2573.
    • Please avoid bringing in coins as our drive-throughs will not be able to process coin deposits or cash conversions. Please note that Medallion Stamp services have been temporarily suspended at this time.
    • We appreciate your patience as we work to provide you service in a timely manner.

     

    Centricity Credit Union will Reopen in Phases

    Centricity Credit Union has been open throughout the COVID-19 pandemic, making sure you have the support you need with drive-thru and curbside services at all branches, as well as our new enhanced online branch (website) and mobile channels. We thank each of you for your patience and understanding, especially those who tried something new – like using digital banking for the first time – over the last couple of months.

    Minnesota Gov. Tim Walz announced the plan to reopen non-essential businesses beginning today, Monday, May 18th, as long as they follow health and safety guidelines. At Centricity Credit Union, the safety of our staff and members is of high priority. We plan to open our lobbies slowly and in phases starting in June, allowing us to implement the policies and procedures needed to keep everyone safe.

    When we do start opening lobbies for services again, things might look a little different. In the beginning, we’ll see members by appointment only and our lobbies will have limited hours. This will comply with limiting the number of people in social gatherings

    Why We’re Phasing Reopening:

    We continue to provide our members with the friendly and knowledgeable service with each interaction. That means ensuring we get reopening correct from the start for the benefit of our members and our staff and follow CDC and state health guidelines.

    This means we’re preparing our lobbies for reopening by:

    • Installing Plexiglass shields at interaction stations
    • Adding more hand sanitizer stations
    • Giving our employees health screenings
    • Training our employees on new safety protocols
    • Realigning our business model to allow members to contact us remotely and provide access to almost all products and services through our online branch and expanded contact center
    • We have expanded all drive-thru hours from 7:30 am – 5:30 pm at all branches and continued Saturday hours 9:00 am-Noon.

     

    What are Centricity’s Next Steps?

    • We are preparing our lobbies for reduced, quick, and specific limited number of lobby visitors and interactions.
    • We continue to advance our online channels.
    • We are adding additional contact (call) center staff.
    • We will be adding online video appointments for our members who prefer live video meetings.
    • We will continue with and enhance curbside service with designated parking spots at each location.

    You can expect the caring personal service you know from our staff, who are excited to work with you – safely – online, via phone, email, drive-thru, and soon social distancing by appointment. Continue to watch your email and our website which we’re keeping updated with the latest information.

    Thank you for your patience and understanding as we continue to move forward, and as always, thank you for your membership.

    Doug Ralston

    President/CEO – Centricity Credit Union

    If you are receiving an Economic Impact Payment (Stimulus Check) and have questions or need to know how you will receive your money, please visit the IRS website. Eligibility, what you need to do with the check, and scam information are all explained.

    Be aware of scams related to your stimulus check. Check out the Federal Trade Commission post about scams and the stimulus checks.

    Curious where your payment is? Check HERE .

    During this time, we want to make sure we are all looking out for each other. Take the time to reach out to family members and members of your community who may be more susceptible to fraud and financial scams.
    Please help spread the message to anyone who may be more likely to respond to a scam, or may not be on social media. Start conversions with your parents, grandparents, or other senior members of your community about ongoing scams and best practices to keep themselves and their finances safe.
    we are all in this together and we want to make sure we are all keeping our health and finances top of mind.
    There are simple ways to protect yourself, and it starts with awareness.

    Spread the word!

    1. Emails
      • Be suspicious of links – instead of clicking on links in emails, try going directly to the source’s website on your own.
      • Don’t open emails from unfamiliar senders. Instead just delete them.
    2. Phone Calls
      • Don’t provide any personal information – if someone calls you and asks for private info like your birthday, Social Security, login credentials, etc., just hang up. Legitimate companies and organizations won’t do that.
    3. Text Messages
      • Don’t respond to unfamiliar texts – Whether the sender is unfamiliar, or the message just seems unusual, just delete it without responding.

    Already clicked on something?

    Change your password. If you’re worried about something you clicked on, or personal info you gave out, it’s a good idea to change your password for the related site (if there is one).

    Monitor your accounts and contact us if you see anything out of the ordinary.

    Click HERE to read the article published by the FTC on how to protect yourself from scammers. Click HERE for an info-graphic about the current main scams about coronavirus.

     

    We understand our members may be facing financial challenges. If you have been or will be financially impacted by the COVID-19, we are here to help.
    Please contact us to discuss options that may be available to you.

    Centricity Credit Union has developed a Small Business Recovery Program. This loan type will help small business owners maintain and meet the needs to operate business during the COVID-19 crisis. To apply for this loan you must have been a Centricity Credit Union Business Member before March 27, 2020. (Other restrictions may apply, contact Centricity Credit union for full details.)

    These funds can be used for payroll, rent and mortgage, utilities, or inventory.
    If you are interested in this loan, we encourage you to act quickly as we will be taking care of our business members at a first come first serve basis. Please use the contact form to send us a message and set up an appointment with our lending staff.

     

    The Entrepreneur Fund, Northland Foundation, and Northspan have partnered in developing the Small Business Relief Fund to support businesses in our region hard hit by the coronavirus pandemic. The Relief Fund will provide direct grants to small business owners in northeast and central Minnesota and northwest Wisconsin. The smallest of small businesses needing immediate liquidity to make key changes to operations and weather this storm. For more information click HERE.

     

    For information on loan programs through the SBA click HERE.

    March 26, Annual Meeting – Will be rescheduled for a later date

    All Home Seminars

    Duluth Member Appreciation Day – Will be rescheduled for a later date

    Shred Day – Will be rescheduled for a later date

    Coverage Limits

    The standard share insurance amount is $250,000 per share owner, per insured Credit Union, for each account ownership category.

    NCUA Share Insurance Estimator

    The NCUA Electronic Share Insurance Estimator is available to help members better understand the protection offered by the NCUSIF. This interactive site allows users to input data to compute the amount of NCUSIF coverage available under different account scenarios. This resource is available HERE.

    Where can I Find More Information?

    The NCUA has more information available to help Credit Union members better understand how the NCUSIF keeps their accounts safe and protected.

    Please visit MyCreditUnion.gov for more information.

    Contact Us

    Call us or send us a message if you have any questions.

    Contact Us
  • FAQs

    We are following the CDC guidelines as far as keeping our spaces as clean and as sanitary as possible. We are doing a thorough cleaning and disinfecting of all surfaces multiple times a day. We are practicing social distancing in all in-person interactions and have moved many meetings to conference or video calls.

    You can access over 40,000 surcharge free ATMs HERE or visit our locations page for our current drive through hours HERE.

    We can take care of most of your financial needs, just as if you were at the teller pod.

    In-branch services including mortgage closings, financial investments, instant issue replacement debit cards, and access to safe deposit boxes will continue for the time being by appointment only by calling 218-740-2573.

    Visit our “At Home Banking” tab above to learn about online and mobile banking options. Our locations and hours page has updated information for each branch. We expanded our Call Center to include working directly with loan officers, plus expanding the hours of operation to better serve your needs.

    Coverage Limits

    The standard share insurance amount is $250,000 per share owner, per insured Credit Union, for each account ownership category.

    NCUA Share Insurance Estimator

    The NCUA Electronic Share Insurance Estimator is available to help members better understand the protection offered by the NCUSIF. This interactive site allows users to input data to compute the amount of NCUSIF coverage available under different account scenarios. This resource is available HERE.

    Where can I Find More Information?

    The NCUA has more information available to help Credit Union members better understand how the NCUSIF keeps their accounts safe and protected.

    Please visit MyCreditUnion.gov for more information.

    Recurring payments mean the consumer has given permission to a retailer or merchant to automatically deduct payments monthly for goods or services. If you would like to stop a recurring payment you will have to reach out to the company and ask if they can put a hold on your account or check their website for instructions on what to do during this time. Unfortunately, some companies are not offering holds on recurring payments and you will be responsible for your monthly payment. Some common recurring payments include gym memberships, subscription boxes, and other memberships.

    If you are receiving an Economic Impact Payment (Stimulus Check) and have questions or need to know how you will receive your money, please visit the IRS website. Curious where your payment is? Check HERE .

    Be aware of scams related to your stimulus check. Check out the Federal Trade Commission post about scams and the stimulus checks.

     

    Centricity Credit Union has developed a Small Business Recovery Program. This loan type will help small business owners maintain and meet the needs to operate business during the COVID-19 crisis. To apply for this loan you must have been a Centricity Credit Union Business Member before March 27, 2020. (Other restrictions may apply, contact Centricity Credit union for full details.)

    These funds can be used for payroll, rent and mortgage, utilities, or inventory.
    If you are interested in this loan, we encourage you to act quickly as we will be taking care of our business members at a first come first serve basis. Please use the contact form to send us a message and set up an appointment with our lending staff.

     

    For information on loan programs through the SBA click HERE.

  • At Home Banking

    24 HOUR ACCOUNT ACCESS

    During this time, we strongly encourage you to use our digital products and other resources, which provide the ability to access your accounts 24/7. Our digital services allow you to make payments, view transactions, check balances, deposit checks, locate surcharge-free ATMs and more.

     

    With online banking you can do the things you’d do at a Centricity Credit Union Branch from home.

    Check balances, get e-statements, transfer money, and pay bills and people. All from a single online experience that puts you in control of your finances.

    Learn more about Online Banking HERE.

    A fast and easy way to deposit checks from your camera-equipped smartphone or tablet. Download the convenient mobile app to get started.

    Learn more about Mobile Banking HERE.

    Easily transfer or request money from anyone right from the Centricity Credit Union app.

    Learn more about PopMoney HERE.

    Keep track of all of your upcoming payments in one place. Set up auto payments and recurring transfers to keep your finances organized.

    Learn more about Bill Pay HERE.

    Access over 40,000 nation wide surcharge-free ATMs.

    Find an ATM near you HERE.

    Quick check your balance, get account info, and make financial transactions.

    1-800-417-1815

    Use Online Banking to set up alerts for large deposits and get notified via text or email.

    Follow the instructions below to set up alerts!

    1. Log into your online banking (either on a desktop computer or through the browser on your mobile device)
    2. Click on Create Alert
    3. In the drop down of Alert Type, choose which alert you want sent to you. Some examples include account balance above/below amounts, check/draft cleared over amount, loan payment due, and deposit over amount.
    4. Use “Deposit over amount” to track your stimulus check
    5. Once you make your decision on what you want to receive an alert about, choose the account you want the alert to pertain to (savings, check, loan, etc.)
    6. Add the amount you want to be alerted about. For example, you can choose $1,200.00 to know when the stimulus check hits your account
    7. Next, choose how you would like to receive this alert. Choose between an email or a text to your mobile phone.
      • If you choose an alert to your mobile phone, you will have a few more steps to set up. Please jump to step 11.
      • If you have set up your mobile device in online banking already, click the Mobile Number box and jump to step 8.
    8. Once you have filled in all the information, hit Review.
    9. Then click Save Alert
    10. CONGRATS! You are set up to receive alerts to your email about your account!
    11. To set up your mobile number in your online banking, click on the Question Mark under the Mobile Device section OR click the Mobile button at the top right of your online banking (next to the envelope icon)
      • There will be an option to click on the words “mobile number” (highlighted in blue). Click on this.
      • You should see Services & Devices in the SMS Services section. There will be a button that says “Add Mobile Device”. Click on that.
      • Enter phone number
      • You should receive an activation code via text. Type in that activation code. If you do not receive the code, click on “Click Here” on the Activate Mobile Device page.
      • Once your phone number has been activated with your online banking, you will need to click the SMS Alerts box to be able to set up alerts. Then click Save Changes.
      • Now, click on Accounts at the top of your online banking.
      • Jump back to step 2 to set up an alert.

     

     

    Download our mobile app for at home banking

    Get the App