NCCYou Checking Accounts

We offer our members the convenience of either traditional paper checking or electronic checking through our ATM and debit cards. You can access your NCCYou checking account any time through this website’s “Access 24” feature at the top right of our home page. Our IDGuard Checking accounts now come with the product IDProtect®- Identity Theft Monitoring and Resolution Service* (Registration/Activation Required), a comprehensive identity protection product for just $2.95 a month. If you have a checking account at NCCYou, you and your family have access to monitor your identity, which is becoming a necessary precaution for everyone in this era of rising technology and identity crime.To access and activate your IDProtect account, go to, choose “Register” and use the access code NCCYou provided through your IDGuard Checking notification letter. If you do not know the access code, please call us at (218) 279-3200. You may also call IDProtect at 1-877-610-7889 with any questions about accessing your profile and monitoring your identity.

We now offer CardNav by CO-OP, which gives you real-time control over your NCCYou Debit Card through your smartphone or tablet. More Info…

The ID Chip Debit Cards rolled out August 1st, 2016. Your new chip card will be issued once your current card expires. If you’d like your new card sooner, stop by one of our locations and we’ll order it for you.

NCCYou also offers a basic checking, which does not come with IDProtect, and Youth Savings accounts for children 12 and under.

Access to funds is important in today’s busy world.
Start today with a checking account through NCCYou!

If your debit card is lost or stolen, call 1-888-241-2510.
This is available 24 hours a day, 7 days a week.

To report fraud on your debit card, call 1-866-577-2341

To activate your debit/atm card, members must call: 1-800-466-0040

To reorder paper checks, click here.

* IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.


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