FAQs
General | Security | Member Support | Account Information | Transferring Funds | Bill Payment
General
What is NorthCountry Online?
NorthCountry Online lets you access your account via the Internet. Designed to provide you with the very best in modern, secure remote access, NorthCountry Online allows you to access your account information and funds, 24 hours-a-day from your personal computer.
What types of accounts can I view with NorthCountry Online?
With NorthCountry Online, you can view all of your Credit Union accounts including checking, savings, certificates of deposit, IRAs, and most loans including lines of credit.
What can I do on-line?
Currently, you can:
- Check current account balances
- Transfer funds between accounts
- Request a withdrawal by check
- View your account history for the past 90 days
- View account information including interest rates and payment dates
- Reconcile transactions that have cleared the Credit Union
- Download your posted transaction information to personal financial management software such as MS Money or Quicken.
- Pay your bills via our Bill Payment feature
- Register for e-statements
How much does NorthCountry Online cost?
NorthCountry Online is free of charge.
Security
What type of security is used by NorthCountry Online?
NorthCountry Online uses an integrated security system to protect your account data from exposure to unauthorized persons. This system is a three-tiered security policy that governs all aspects of the NorthCountry Online service. Each tier governs a unique aspect of your NorthCountry Online session and transactions with the Credit Union. These policies form a rigid security implementation that enables members to conduct business with the Credit Union via the Internet with an extremely high degree of security.
Can anyone from the "outside" access the Credit Union's database?
At no time does anyone from the outside world have access to the Credit Union's database via the Internet. Any and all requests for data must pass through two distinct validation and control centers. Each request and answer is logged at each stop through the firewall. Additionally, any suspicious activity is logged and causes an alarm.
And what about my personal account?
Your personal account also has an additional two-layers of security surrounding it -- your PIN (personal identification number) and your Password. Both are individual codes specific to your account only. Additionally, the NorthCountry Online system will automatically lock access to your account should three unsuccessful attempts to access your account be made.
Member Support
What type of member support does NorthCountry Online have?
NorthCountry Online features an on-line help facility that can answer many questions you may have when you are using NorthCountry Online. Members may also direct questions to our Phone Center at (800)660-3258, Monday-Friday 8:30 am to 5 pm EST.
What if I have questions regarding my Bill Payment Service?
Member support is available by calling (800)825-4321, Monday - Friday, from 7am - 9pm, and Saturday, from 8am - noon, Central Time.
Who do I contact if I forget my password?
If you forget your password, you need to call the Credit Union.
How do I change my password?
To change your password, simply click on the "Change Password" button located on the left vertical tool bar. Complete the form and submit it. Your password change will be effective after the following business day.
Account Information
What types of account information are available with NorthCountry Online?
With NorthCountry Online, you can view the balance and transaction history of all of your Credit Union accounts including checking, savings, certificates of deposit, IRAs, and most loans including lines of credit and mortgages.
How can I see if a check has cleared?
By using the "Account History" function, you can view all checks that have cleared your account. For example, to find out if a check you wrote last week has cleared, simply click on "Account History" and select the checking account from which you wrote the check. Enter the days you want to view and click on "Retrieve History". All the transactions that have cleared your account for the past number of days selected will display. Look to see if the check is there!
How many months of Account History does NorthCountry Online have available?
Account History will allow you to view all transactions on a particular account, beginning with the date you select. History is available for the current month in addition to the previous three months.
How do I download account information to import to Quicken or MS Money?
If you wish to download your account history into your personal financial management software (Quicken or MS Money), you may do so from the "Account History" screen. Simply select the appropriate format for your software. You may save this file or open your software immediately. To enter the download information into your personal records, follow your software's directions.
Transferring Funds
How can I transfer funds between my accounts with NorthCountry Online?
Transferring funds between your Credit Union accounts is easy with NorthCountry Online. After selecting the "Transfer Funds" function from the left vertical tool bar, a list of your accounts from which you may transfer funds will be displayed. Additionally, a list of your accounts to which you may transfer funds will also appear. Simply select the appropriate accounts, enter the amount you would like to transfer and click on "Transfer Funds". It's that easy.
Do I receive a confirmation that my transfer is complete?
After verifying your transfer information, you will receive a confirmation of your transaction. This screen will display a confirmation number. This number will appear in your account's transaction history as well as on your account statement.
Can I withdraw funds with NorthCountry Online ?
Withdrawing funds from your Credit Union accounts can be done by check. For security purposes, all check withdrawals are made payable to the primary owner of the account and are mailed to the address on record.
Bill Payment
Who do I call if I have questions regarding one of my "PROCESSED PAYMENTS"?
If your payment has been processed and appears in Bill Payment History, call bill payment support at (800)825-4321. Hours are: Monday - Friday, from 7am - 9pm, and Saturday, from 8am - noon, Central Time (CST).
How long does it take to process a payment?
Whenever possible, payments are made electronically; however, due to individual vendor and payee requirements, some payments are made by check. Payments made electronically may process in as few as 2 business days. Payments made by check may process in 7 business days. Please plan accordingly when reviewing the due dates of your bills to be paid.
Why does my payment indicate "NOT PROCESSED"?
Payments marked "Not Processed" have not been made and will appear on both the Current Payments screen and Bill Pay History screen for two months. This may be a result of insufficient funds. Funds must be available in your checking account by 10:00pm CST on the day prior to the processing date of the scheduled payment. For example, if a payment is set up to be paid on Wednesday, the funds for the payment must be in the account by 10:00pm CST on Tuesday, the prior evening. The NorthCountry Online system does not recognize overdraft protection, nor will the system attempt to pay the bill a second time. If your payment has been marked "Not Processed", you must re-establish the payment.
How long do payments appear in Bill Pay History?
Processed payments remain in Bill Pay History for three months.
Can I set up overdraft protection for bill payment in NorthCountry Online?
At this time, overdraft protection is not available.
What does the asterisk (*) next to the payee name indicate?
An asterisk indicates the payee will accept electronic payments.
How do I change the name and/or address of a payee? To change the name and/or address of a payee, delete the payee and re-enter the new information. At this time, only the account number, account suffix, and the payment scheduling can be edited.
Can I stop payment on an authorized bill payment?
You may place a stop payment on a bill that has been paid by check as long as the check has not cleared. To place a stop payment, call bill payment support at (800)825-4321. Hours are: Monday - Friday, from 7am - 9pm, and Saturday, from 8am - noon, Central Time. A fee of $15 will be accessed for each stop payment item. You may NOT place a stop payment on a bill paid electronically (payees listed with an asterisk).
How do I cancel the bill payment service?
To cancel your bill payment service, submit the request in writing to the Credit Union. Be certain to include your account number and your signature. Please note, any bill payments pending at the time of cancellation will not be processed.