click this link to skip to the main page content, skipping all page navigation menus. If you are using a screen reader and need to increase the timeout length to avoid timing out, then click to follow this link to the change timeout page in order to change your timeout length to avoid timeouts.
A A A A
print icon
Help

Online Banking

Online Banking is safe, secure, confidential, and gives you convenient access to your accounts anytime, anywhere. Check your account and loan balances, review recent account activity, make transfers between accounts, pay bills (write fewer checks!) and more!

Access Online Banking
Online Banking is easy to access. Visit cccu.com and click the Log In button. Enter your User ID and Password into the fields provided. You may be asked to verify that you are a human using Google reCAPTCHA.

Download the Mobile App
View your account information, deposit checks and transfer funds with the mobile app anytime, anywhere. Search ‘City & County Credit Union’ in your app store to download the app.

Online Banking Features

Multi-Factor Authentication
For the safety & security of your account, City & County Credit Union requires Multi-Factor Authentication (MFA) when logging in to online banking. To verify your identity when logging in from a new computer, you’ll be sent a one-time code by text or phone call. 

Accounts Dashboard

Credit Score
Staying on top of your credit has never been easier. With City & County Credit Union’s free credit score tool, powered by SavvyMoney, you can access your credit score, full credit report, credit monitoring, financial tips & so much more! You can do all of this without impacting your score.

Account History
Select one of your accounts to get a quick glimpse of the most recent transactions. For full account history you will choose ‘Go to Account’ to view complete history, including cross-account transfers.

Account Summaries
Your accounts will be grouped in Summary categories such as Checking/Savings, Loans, Credit Cards. You may also see sections of accounts for which you have Cross Account Permissions.

Clicking into a checking or savings account gives you options to view account details, make a quick transfer or view saved transactions. In the Posted Transactions section (history) you can filter or search posted transactions or export account data by date range.

Choosing a loan product gives you account details, the option to nickname your loan, a loan payoff figure, quick actions like advancing funds from your line of credit and a view of saved transactions. You’ll also find your Posted Transactions here.

The Credit Cards section displays an overview of your credit card.

To view details of your credit card, click the ‘Go to Card Website’ button. You’ll be taken the credit card platform where you can:

  • Activate a new card
  • Make a balance transfer request
  • Report a lost or stolen card
  • Make a payment
  • View payment & transaction activity
  • View credit card statements

Cashback Offers
Cashback offers are the easy way to earn cash back from favorite stores and restaurants. Just click an offer, shop using your debit card, and earn cash back. That’s it!

Saved Transfers
You’ll find saved transfers here for easy access to make them again.

Edit Dashboard
Clicking the Edit Dashboard icon allows you to drag and drop the dashboard sections into a different arrangement. Move the sections to wherever you want them on your screen to personalize your view.

Move Money

Account Transfer
This option allows you to transfer funds between your accounts in real time. If you have cross account transfer access set up, you may also transfer funds to another member number. You’ll also find Saved Transfer here and can click through to set up and manage your Scheduled Transfers.

Scheduled Transfers
View any Active or Inactive Scheduled Transfers you have set up for a future date or on a recurring basis.

To set up a bi-weekly recurring transfer, choose ‘Weekly’ and then ‘Every 2 weeks”.

Send Money
Send money to your family or friends with just their mobile phone number or email, using your City & County debit card. Recipients get an instant notice & can accept the funds by debit card or their bank account.

To use Send Money you must have an active City & County debit card. As a security measure, when setting up contacts you will be asked to verify your identity via one of your phone numbers on file.

Pay Bills
CCCU members with a checking account are eligible to use Bill Pay. Looking for an easier and secure way to make payments? Use Bill Pay, a convenient way to pay your bills through the mobile app or online banking all in one place. With Bill Pay you can pay almost anyone. Send single payments or schedule ongoing payments from a list of established companies, or add your own. You can even send a check to an individual. You’ll enjoy convenience and security knowing your payments are made on time and without the hassle of checks, stamps, mailboxes or logging in to multiple sites.

Your Accounts

eStatements
Your monthly account statement and other notices can be viewed online! Save time and increase account security by receiving your statement and notices electronically instead of by mail. By choosing to view your statement online, you help us save paper, postage and other natural resources while keeping clutter from your home’s mailbox.

You will receive an email notification each month when your new statement is ready to view.

To sign up for eStatements click the option and accept the disclosures.

If you have already signed up for eStatements, you will be able to view your statements and tax notices here. Click the eStatement date you wish to view and your statement will open in a new window. Tax notices will be available on a separate tab.

Direct Deposit Info
View your 13 digit checking account MICR Number which you’ll use, along with CCCU’s routing number, when setting up direct deposit to your checking account. Call us for direct deposit information for your savings account.

Services

Check Withdrawal
Request a check to be sent from your account. The next business day after receiving your check request, a check made payable to the primary member will be mailed to the address on the account.

Check Copy
Request a copy of a cleared paper check. Your account will be charged the applicable fee.

Check Reorder
If you’ve ordered checks through City & County for your most recent order of checks, we have your reorder information available for review and simple reorder as we link you to the Harland Clarke site.

Stop Payment
You may place a stop payment on personal checks.

Overdraft Services Consent
Learn about standard overdraft practices and overdraft fees at City & County Credit Union. You can also opt in or opt out of having us pay overdrafts for ATM transactions or everyday debit card transactions. This coverage is only available for those opting in. 

Make an Appointment
Skip the line when visiting a branch by making an appointment. 

Business Check Deposit
Easily deposit checks into your City & County Business Checking or Savings Account with Business Check Deposit.  This feature is only available for Business Accounts and requires you have a specific scanner. Email business.team@cccu.com for more information.

New Accounts

Open New Account
Need to open a checking account, additional savings account or money market account? Select this option to choose which new account you would like to open.

Apply For A Loan
Apply here for a new credit card, personal loan, vehicle loan, or home equity loan. Applying from within online banking is simpler as we already have your general identifying information.

User Options Menu

The User Options menu is found in the upper right-hand corner of online banking. Next to your first name you’ll see a drop-down arrow indicator. Click the arrow to display the full User Options menu.

Alerts and Messages
Sign up for important alerts delivered directly to your mobile phone or email. This free service lets you set up alerts customized to your preference. Secure messages you have sent are found on the Sent Messages tab. You can also send us a secure message by choosing the “Create New Secure Message” button at the bottom of the screen.

Change Address/Phone Numbers
This online form allows you to update your address and phone number(s) on file. If you have multiple membership accounts with us, you must update your contact information with each account separately.

Change Password
This form allows you to change your online banking password. Passwords must be 10-25 characters in length and use a combination of numbers, letters and special characters. Passwords must not contain your social security number, your account number or be one of your three previous passwords.

You may change your password at any time. For security purposes, it is recommended you change your password every six months. If you have forgotten your password, you may use Forgot Password on the login screen to reset it or contact us for assistance.

Change User ID
You may personalize your User ID within online banking here. User IDs must be 5-25 letters and/or numbers. Special characters and spaces are not permitted.

Change User Devices
The mobile devices you have in use for the CCCU mobile app, past and present, will be listed here. The email or phone number you are using to receive email or text Alerts will be indicated by the checkmark in the Alerts column. Select which features to use with a device by checking the box and clicking the Update button.

Occasionally, tokens may expire on your mobile device resulting in Quick Access, that is Face ID or Touch ID, no longer working. To update the token, click the “Delete Quick Access Tokens” button and Update. Then go to your mobile app to set up Quick Access anew.

Change Email Address
This online form allows you to view/update your email address. Your email address will be used for Alerts, eStatement notifications and to provide you with product or service information that may be a potential benefit.

Change Account Nicknames
Personalize the account names that are displayed in digital banking for easier recognition. To restore the system default name, delete the nickname from the provided field and click the Submit button to save your changes.

Cross Account Access Permissions
Setting up Cross Account Access lets you create one central login to view, withdraw and deposit money between accounts you may have with different member numbers. Here you can grant permission to your account or accept cross account access from another person’s account. Find complete instructions with screenshots on our Cross Account Access web page.

About Security

Online Banking Safety
We have taken all appropriate measures to ensure that CCCU online banking is secure and that your account information remains private. You also play a role in protecting your information. Your online banking User ID and Password should only be used when you are on a secure network. We recommend you use a current browser version so you benefit from the most up-to-date internet security available. After you finish any website session that included viewing or sending private information you should log out of online banking and close your browser window.

Security Tips

  • Never reveal your PIN or password. This includes your ATLIS PIN or the password you selected when you signed up for online banking.
  • Use the Logout lock icon to end an online banking session. This will expire all cookies that were set in your session.
  • We recommend you balance your account at least once a month so that any discrepancies can be reported to us in a timely manner.

Unable to log in to Online Banking

Accessing the Login Screen
If you can view our website, but are unable to access online banking, it may indicate a problem accessing all secure websites.

If you are using an updated browser and are still experiencing a problem, the problem may lie with your Internet Service Provider. This is particularly common with employer-based access to the internet. Your employer may have firewalls, proxy servers or other equipment that may prevent access to secure sites.

Contact your company’s IT Department regarding the problem or try accessing online banking from another location.

IMPORTANT
When reporting problems to us, please have as much information ready as possible (e.g. when the problem occurred, browser version, the type of device you were using, etc.).

Forgot User ID and/or Password

Forgot User ID
Use your member number as your User ID. You may personalize your User ID within online banking by clicking on dropdown arrow next to your name to display the User Options menu. Then select ‘Change User ID.’

Forgot Password
Use the “Forgot Password” link on the login screen or contact us for assistance.

IMPORTANT
We do not have access to your password. In the case of a forgotten password, please use the “Forgot Password” link or contact us to reset your password.

Common Error Messages
The following errors may occur when accessing online banking:

  • Account verification error. Your password is incorrect. Verify the password and re-enter it. Check to make sure the Caps Lock is not on. Passwords are case-sensitive; the Caps Lock may alter the way your password is being entered.
  • The account has been locked. You have had too many invalid login attempts. To reset your password, please use our password reset option or contact us for assistance.
  • We’re sorry, we are unable to process your request at this time. Online banking is temporarily down for system maintenance. Try again periodically. If the message is displayed repeatedly, contact us.

Troubleshooting

Error Messages – To show us the exact error message that you are receiving, display the error message on your screen then press Print Screen on your computer’s keyboard. This will transfer the image to your clipboard which can then be pasted into a Word document or other application. Or, take a photo of the error with your mobile device.

When experiencing an error message, try the following steps before contacting your financial institution:

  1. Clear the cache, reload, or refresh.
  2. Close the browser.
  3. Retry.

After trying this if you continue to see the error message, contact us.

IMPORTANT
When reporting problems to us, please have as much information ready as possible (e.g. when the problem occurred, browser version, etc.).

Unsuccessful Transfer(s) – If a transfer is unsuccessful chat with us or call us and a Member Connections Specialist will assist you in finding out why your transfer was not successful.

I’ve opened Quicken and tried to connect to download; it doesn’t work. How can I do this?

To export your transactions, when viewing your account’s posted transactions, click the “Export” button.

  1. Select Quicken or Quick Books as your Export format
  2. Choose the date range you would like to export history for
  3. Click the Export button
  4. Open Quicken to upload your .qfx file

Contact Us

View Messages
Read or respond to existing messages.

New Secure Message
Use our secure online form to contact us with your specific questions.

Call Us
Get answers to your questions by calling us.

Find a 24-Hour ATM
Enjoy access to 100,000+ surcharge-free ATMs nationwide.

Find a Branch
City & County Credit Union has 8 Twin Cities locations and exclusive General Mills branch locations.