Your NCCYou E-Services

NCCYou offers a wide variety of Electronic Services to safely and conveniently meet all of your financial needs!

Online Banking

Our online banking is free, simple, and easy to use! If you have never used it before, here are your directions for first-time login:

1) Click on the Online Banking button at the top right of the page.
2) Type your account number in the username box.
3) Type the last four digits of your SSN in the password box.
4) You will be prompted to change both these items. Please change them to something you will always remember, but no one else could know or guess.
5) Now you are officially enrolled in online banking! However, you are not yet signed up for e-statements. Use the “Online Services” tab and click on “E-statements” to get started and follow the directions you see on the page.

Download our Mobile App

Search “NCCYou” in the Apple or GooglePlay store. This is your most convenient online banking device! This app gives you access to account balances, transferring funds, online bill pay, ATM/branch location, and remote deposit capture!  Watch the video below to learn how!

Our mobile app also features the Remote Deposit Capture feature, which is the safe and convenient way to deposit a check via your smart device anywhere, anytime.  
Some tips and tricks…
-make sure you are in a well lit area.
-place the check on a plain white or light surface.
-endorse the back of the check with “For NCCU Mobile Deposit Only”  (this is VERY important, your deposit may be rejected if not endorsed properly.)
-Deposit limits are $2500 per check and $5000 per day.
Please not that your funds may not be made available immediately, and your check may be held for review.  If your deposit is not accepted, you will be notified via email.
Check out the how-to video below!

CO-OP Shared Branch

Look for the CO-OP Shared Branch logo wherever you go. NCCYou is a member of this system, which means you can conduct basic transactions like deposits, withdrawals and balance transfers at any credit union in the United States that displays this logo. Think of it as having access to 4,000 NCCYou branches nationwide.

Finding a CO-OP Shared Branch or ATM is now easier than ever with the CO-OP Locator App ~ Download it today!

IDGuard Checking with IDProtect

Our checking accounts now come with the Product IDProtect, a comprehensive identity protection product. 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.

Where To Find Our ATMs

We have 24 hour ATMS available at our Arrowhead and Virginia/Mt. Iron branches, at the Shops at Bluestone, and an ATM in the Government Services Building in downtown Duluth that is open during regular business hours. You can use our ATMs to make a withdrawal, transfer funds, or deposit both cash and checks! The Co-op network is also surcharge free across the nation.  You can easily find those locations here…



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