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Frequently Asked Questions

Checking · Check Cards · General · Multi Factor Authenticaion


Q. What do the numbers at the bottom of my check mean?
A.The numbers at the bottom of a check are called the MICR (Magnetic Ink Character Recognition) Line. A MICR Line can contain the following:

On Us Symbolonus
The on us symbol tells the check sorter that the numbers between these symbols identify your account number, your financial institution's branch number, and probably the check number.

Transit symboltransit
The transit symbol tells the check sorter that the numbers between these symbols identify the institution upon which the check is drawn

Amount Symbolamount
The two amount symbols tell the check sorter that the numbers between the symbols are the amount of the check. Generally, this field will be blank because the amount is normally added later by the financial institution.

Dash Symboldash
The dash is sometimes used as a separator within the On Us field, although reader/sorter manufacturers discourage its use because of detection problems. Some financial institutions still use the dash to separate the financial institution branch number from the account number.

Q. Why did I get charged an NSF fee when my balance was sufficient to cover the check?
A. There may have been a hold on your account for a pending debit card transaction. When you use your debit card, the merchant verifies that there are funds available for the transaction to go through. This places a hold on those funds until the transaction actually gets posted to your account. This may take a few days in some cases, depending on the merchant. Another possibility is that sometimes deposited funds require a hold be placed on them. For example, a check drawn on another institution that is deposited into your CMCU account, may not be available until the check clears.

Q. How do I reorder my checks?
A. Click here to reorder your checks


Check Cards

Q: How long will it take to receive my VISA® Check Card?
A: It takes approximately 2 weeks to receive your check card.

Q. How do I activate my VISA® Check Card?
A. Here's how to activate your card:

  • Call us during normal business hours at 888.330.8482
  • Activate your card via Internet Banking
  • Stop by any of our branch locations and our staff will assist you

Q: Can I change the Personal Identification Number (PIN) assigned to my VISA® Check Card?
A: Yes - view the list of ATM machines, the ones with PIN changing capabilities are listed with a * after the name

Q: What if I lose my VISA® Check Card?
A: Report the missing card immediately by calling toll free 888.330.8482

Q. What if I lose or forget my PIN number, who do I contact to have it reissued?
A. If you lose or don't remember your pin number you can contact any one of our offices or call toll free 888.330.8482 to have it mailed to you.

Q. Does my PIN change when I get a new card?
A. Your PIN number will stay the same if you receive a replacement card. If you receive a new card with a new number you will receive a new PIN.


Q. I would like to have my paychecks deposited directly into my account. What information do I need to give my employer?
A.Your routing number and account number.

Q. What is CMCU's routing number?
A. 291974204

Q. How can I send or receive a wire?
A. To send a wire, stop in or call one of CMCU's locations. You'll need the wire amount, the account number to be debited, the routing number, name, city, state and phone number of the receiving institution, the name, street address, city, state, zip and account number of beneficiary. To receive a wire, stop in or call one of CMCU's offices for our wiring instructions.

Q: I'm ordering checks through an outside agency and they require a "fraction" number. What is the fraction number for my account?
A: The fraction number for Central Minnesota Credit Union is 75-7420/2919

Q: My account number is only 5 digits, is this the account number that goes on the bottom of the checks?
A: No. The account number is 10 digits. Please contact us to get your number.

Multi-Factor Authentication

Q. I am trying to download transactions to Quicken and it isn't working. It use to work but Quicken doesn't recognize my account anymore?
A. CMCU has made a change to codes. In order to solve this issue, you have to go into Quicken, click on Tools then Account List. Right click on the account you are trying to download transactions to and click edit. Add two zero's to the account number after the "S".

Q. What is this new security system?
A. As a member, we know how you typically behave: what types of transactions you conduct, when and from where. If we detect any activity that does not seem like your typical behavior, we will prompt you to further verify your identity – so that we can ensure it is you and not a fraudster attempting to compromise your account. This will only happen on rare occasions. Normally you will not be asked for any additional information. For example, if someone tries to sign in with your username and password from a computer in a foreign country shortly after you have logged off from your normal computer at home, we may decide to verify that it is really you trying to access your account.

Q. How do I sign up for the new security system?
A. You will automatically be prompted to choose a unique username to log onto online banking instead of your account number. You will also be prompted to answer three secret security questions that only you know the answers to. Once this occurs you have added a layer of protection to your account.

Q. Why do I need to establish a new unique username and security questions?
A. We are committed to providing you with convenient and secure access to your accounts. In order to do this effectively, we have added an extra layer of security to gain access to your account by eliminating the use of your account number. In addition to creating a username you will also be prompted to set up and answer secret security questions in the event you forget your username and/or password.

Q. What is the process for establishing my new username to sign-on to my online account?
A. When you sign into online banking, you will be asked to create a username. This new username will be unique within Central Minnesota Credit Union. If someone else had chosen the unique name, the system will prompt you to pick a different unique name. Then you will be directed to enter your account number and password along with your new username. Going forward, you will use your new username and password to gain access to your
account information online. If you have more than one account that you access through Internet Banking, you will need a different unique username for each account. Remember to inform the other joint users that also access this account through internet banking, that the unique username has been changed.

Q.How much will it cost?
A. There is absolutely no cost associated with the new security system, it is FREE for Central Minnesota Credit Union members!

Q. When will I be asked for more information?
A. You will only be prompted to enter additional information when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior.

Q. What additional information will I be asked?
A. If any unusual or uncharacteristic behavior is detected you will be asked to answer several of the secret security questions you chose.

 Q. What is unusual or uncharacteristic behavior?
A. Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to how you normally would bank online and where you normally bank online. Examples are the IP address, your PC operating system, your browser and time of day you normally log in. If the action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.

Q. How are you able to detect unusual or uncharacteristic behavior?
A. The security system takes into account factors such as the computers you typically use to access your account, or the typical security settings for your computer. Hundreds of factors, such as these, create a profile that is unique to you that allows us to make decisions about whether the person conducting a given activity and transaction within your account appears to be really you.

Q. Will I be asked for more information all the time now?
A. No, you will only be asked for more information when unusual or uncharacteristic behavior is detected. This will most likely be a very rare occurrence.

Q. How do I know it is working?
A. You only need to complete the set-up process once, creating a unique username and later choosing three secret security questions; afterwards the new security system will work automatically. That means you are being protected every moment – when you are online and more importantly when you are not.

Q. Is my personal information still safe?
A. Yes. In fact, your personal information is safer than ever because we are making sure it is really you and not an unauthorized user trying to access your information.

Q. How will this help prevent online fraud?
A. If your username and password is stolen, the fraudster would have to be able to answer your secret questions correctly before being able to access your account or complete a fraudulent transaction. If the user is unable to provide this information, the activity will be blocked. This added layer of security helps us protect your online account at all times.

Q. I check my account very often, wouldn’t I know if something unusual showed up on my account?
A. It is great you check your account! It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn’t make). This security service helps prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be.

Q. I already have anti-virus and a personal firewall. Why do I need this?
A. We are glad to hear you use antivirus and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. This new security feature protects against other kinds of threats such as a stolen username and password. It works with your other personal security programs, but it does not replace them.