Can I open a checking account online?
If you are already a BTCU member, you can open your checking account online. Follow the steps below to get started: Log in to Online Banking Click “New Accounts” at the… Read more >>
Most Requested Information
Does BTCU offer scholarships?
Yes! Each year, BTCU awards a total of $10,000 in scholarships to 15 members. Scholarship applications can be found, starting January 1. Click here for a copy of the Scholarship… Read more >>
How do I enroll in Mobile Deposit?
To enroll in Mobile Deposit, follow the steps below: Log in to Mobile Banking Click on the “Move Money” tab and select “Deposit Check.” You will then be prompted to… Read more >>
How do I enroll in online banking?
It’s easy to enroll in Online Banking. Follow the steps below to get started: Visit our Online Banking login page. Click the First-time User? link. Enter your account number and Social Security Number. Click Continue once… Read more >>
What are the current rates and fees?
Whether you’re looking for a great deal on a loan or simply want a higher yield on savings, we have some of the best rates in town. Please see our Rates… Read more >>
What do I do if I forgot my online banking password?
If you forgot your password, follow the steps below to retrieve it: Navigate to the Online Banking login page. Enter your username and your password attempt and enter. If you get the… Read more >>
What is my account number?
Your account number can be located: On your statements On the bottom of your checks Or you can stop by any BTCU branch with your current government official ID to obtain your… Read more >>
What is your routing/ABA number?
Building Trades Credit Union’s routing number is 291074719. A routing number is a 9 digit code used to identify financial institutions in electronic transactions. You can always find our routing… Read more >>
What time does my direct deposit post on pay day?
Direct deposits will vary by the employer. However, you could set up an eAlert which will notify you when your direct deposit posts to your account. Follow the steps below… Read more >>
Where are your ATMs located?
With the MoneyPass ATM network, you’ll have access to tens of thousands of surcharge-free ATMs coast to coast located where you live, work, and travel. Please use the MoneyPass ATM locator to… Read more >>
Can anyone join the credit union?
Anyone who is a member or an employee of one of the unions or affiliated groups listed on our website is eligible for membership at BTCU. An eligible person’s immediate family members… Read more >>
Do you have any job openings?
At BTCU, we are always looking for talented and motivated employees to provide excellent, personalized service to our members. Visit our Careers page to view our current job openings. We understand the… Read more >>
Do you offer Shared Branching?
Yes! Through the CO-OP Shared Branch network, we’re partnered with other credit unions (more than 5,000 nationwide) to offer service and support to our members – giving you more direct… Read more >>
What are your hours?
For our branch locations and hours, visit our Branch Locations page. Your money is never out of reach with Online Banking Our free online banking service is available 24/7 and offers a… Read more >>
What are your locations?
Find a convenient BTCU branch or surcharge-free ATM near you on our Branch Locations and ATM Locations pages today! It’s easier than ever to bank on the go with Mobile Banking Download the BTCU… Read more >>
What holidays will you be closed?
Building Trades Credit Union branches and offices are closed on all federal holidays. Please see the list of 2023 closings below: Your money is never out of reach with Online… Read more >>
What is a credit union?
Unlike banks, credit unions are member owned financial cooperatives; so when you join Building Trades Credit Union, your initial deposit to open a savings account establishes your membership and makes… Read more >>
What is your mailing address?
Our main branch is located in Maple Grove. The mailing address is: 12080 73rd Avenue NorthMaple Grove, MN 55369 For locations and hours visit our Branch Locations page. We understand the needs of… Read more >>
What is your phone number?
You can reach us at 763-315-3888 or toll-free at 1-800-496-2460. Monday – Friday from 9 am to 5 pm. We understand the needs of union tradespeople No one better understands or is more… Read more >>
What is your routing/ABA number?
Building Trades Credit Union’s routing number is 291074719. A routing number is a 9 digit code used to identify financial institutions in electronic transactions. You can always find our routing… Read more >>
Are there any fees for ATM withdrawals?
BTCU does not charge a fee on the first 5 withdrawals per month. The fee is $2 for each additional withdrawal. Access your accounts nationwide with Shared Branching Don’t live… Read more >>
Can I make deposits at ATMs?
No. We do not allow deposits using ATMs. Access your accounts nationwide with Shared Branching Don’t live or work near a BTCU branch? No problem! Through the CO-OP Shared Branch… Read more >>
What ATM network do you use?
We participate with the MoneyPass ATM network. You’ll have access to tens of thousands of surcharge-free ATMs coast to coast located where you live, work, and travel. Please use the MoneyPass… Read more >>
What is the maximum amount I can withdraw from an ATM in one day?
The maximum amount of cash that you are able to withdraw from an ATM in one day is $500. With the MoneyPass ATM network, you’ll have access to tens of… Read more >>
Where are your ATMs located?
With the MoneyPass ATM network, you’ll have access to tens of thousands of surcharge-free ATMs coast to coast located where you live, work, and travel. Please use the MoneyPass ATM locator to… Read more >>
What features are available for the Business Savings account?
Building Trades Credit Union is happy to offer our business members a variety of Business Savings account: Labor Saver Organization Savings Cash Management Savings Opening Deposit / Minimum Balance… Read more >>
Can I open a checking account online?
If you are already a BTCU member, you can open your checking account online. Follow the steps below to get started: Log in to Online Banking Click “New Accounts” at the… Read more >>
How can I get a copy of a check I wrote?
Images of checks can be viewed, printed, or saved through Online Banking if you’re enrolled in eStatements. Plus, it’s free! Log in now. To have a copy printed for you for… Read more >>
How much does it cost to place a stop payment on a check?
Building Trades Credit Union charges $35 for a stop payment request. Please see our Fee Scheule for the most up-to-date fees. Follow the steps to place a stop payment in Online Banking:… Read more >>
I have a negative balance in my checking account. What should I do?
Make a deposit immediately to bring your account current. If you need assistance, please contact us at 763-315-3888. Understand your Finances Financial knowledge is your greatest asset. At BTCU, we are… Read more >>
Is there a minimum balance required for a checking account?
There is no minimum balance required to open a Union-Built Free Checking account. We understand the needs of union tradespeople No one better understands or is more fiercely loyal to the building… Read more >>
Is there a minimum number of deposits I have to make into a checking account each month?
No. There is no minimum number of deposits you have to make into a Union-Built Free Checking account. We understand the needs of union tradespeople No one better understands or… Read more >>
What is a post-dated check?
A post-dated check is any type of check that is dated for some time in the future. Post-dated checks are “legal tender” and can be cashed at any time once… Read more >>
What should I do if I lost my checkbook?
Call us at 763-315-3888 immediately to report the missing checks. A stop payment will be placed on the entire series of missing checks when a stop payment form has been completed. See… Read more >>
How can I apply for a credit card online?
To apply for a BTCU Credit Card, simply complete our Online Application. With the BTCU Credit Card, you’ll get: Low variable rate No annual fee No cash advance fees No balance… Read more >>
How can I make my credit card payment?
The easiest and fastest way to make your credit card payment is online from any account at any financial institution is through our eZCard credit card platform. Simply go to our website… Read more >>
What do I do if I find fraudulent transactions on my credit card account?
If you suspect fraudulent activity, you must report your card as stolen. To report your credit card stolen, please call 1-833-541-0777. You will be asked about any fraudulent transactions. Our card… Read more >>
What do I do if I lost my credit card?
To report your credit card lost or stolen, please call 1-833-541-0777. If you suspect fraudulent activity, please report your card as stolen. We are determined to protect your privacy Safeguarding your personal… Read more >>
What types of credit cards do you offer?
We offer one straightforward credit card with an impressively large list of benefits like: Great Low Rate No Annual Fee No Cash Advance Fees No Balance Transfer Fees Earn Rewards… Read more >>
Can I select my own PIN for my debit card?
Yes! In fact, you should choose that PIN that is unique to you. You should not share this number with anyone else. Your PIN acts as a signature when you… Read more >>
Can I use my debit card while traveling internationally?
Yes, you can travel with BTCU Debit Card. To avoid any issues that may arise when you are traveling domestically or internationally with your Debit Card, please call us at… Read more >>
How do I activate my debit card?
To activate your debit card, please call 1-833-681-3377 from your primary phone number on your account. Pay with more security and no contact Pay safely and quickly with your phone by linking… Read more >>
How do I change my debit card PIN?
To change your PIN, please call 1-833-681-3377. If you have forgotten your PIN, please call us at 763-315-3888. It’s easier than ever to bank on the go with Mobile Banking When… Read more >>
How do I order a new debit card?
If your debit card is damaged, please call us at 763-315-3888 to order a new one. Generally, it takes 7-10 business days for you to receive your new card. If you need… Read more >>
How much does it cost to replace my debit card?
If your card is stolen or damaged, there is no fee to replace your card. Otherwise, the current fee is listed in our Fee Schedule. Generally, it takes 7-10 business… Read more >>
What do I do if I lost my debit card?
To report your debit card lost or stolen, please call 1-800-528-2273. Pay with more security and no contact Pay safely and quickly with your phone by linking your debit and… Read more >>
What do I do if my debit card PIN does not work?
There could be several reasons why your PIN does not work, from fraud protection to insufficient funds. For security reasons please call us at 763-315-3888. We are determined to protect… Read more >>
What should I do if I am out of town and my debit card is declined and I know that the funds are available?
Please call us immediately at 763-315-3888. It’s easier than ever to bank on the go with Mobile Banking When you’re out and about, banking isn’t always convenient – that’s why… Read more >>
Who do I call if my card is declined?
For security purposes, you must call us at 763-315-3888 to resolve the issue. We are determined to protect your privacy Safeguarding your personal information is of the utmost importance to… Read more >>
Do you have a list of foreclosed homes?
BTCU does not have a list of properties that we currently own. If you are looking to find a credit union-owned property, we suggest contacting your realtor. If you are looking… Read more >>
Does BTCU offer scholarships?
Yes! Each year, BTCU awards a total of $10,000 in scholarships to 15 members. Scholarship applications can be found, starting January 1. Click here for a copy of the Scholarship… Read more >>
How can I send a secure email?
You can send a secure email through our Contact Us Form. When using email, please do not send any information that is considered confidential or sensitive in nature. If you need… Read more >>
How do I change my email address?
To update your email address, follow the steps below: Log in to Online Banking Click on “Info Center”. Select “Personal Information”. Click “Edit my personal information” and update your email address. It’s easier than ever… Read more >>
Is my money insured?
Your BTCU certificates of deposit, checking and savings accounts are insured to at least $250,000 and IRAs are separately insured to at least $250,000 by the National Credit Union Administration… Read more >>
What is my account number?
Your account number can be located: On your statements On the bottom of your checks Or you can stop by any BTCU branch with your current government official ID to obtain your… Read more >>
What is the difference between balance and available balance?
Your available balance shows the amount of money you have available to withdraw, excluding any transactions or holds that are pending in our system. This balance may not reflect all… Read more >>
Are there closing costs associated with a Home Equity Line?
Closing costs vary and cannot be quoted in advance. Costs may include appraisal fees, credit report fees, title insurance fees, etc. Our lenders will explain any fees during the application… Read more >>
Can I apply for an auto loan if I have not found the car I want yet?
Absolutely! It’s best to get preapproved before you visit a dealer. Apply online today through our Loan Application or call us at 763-315-3888. Get the car you want at a rate you’ll… Read more >>
Do I have to have good credit to apply for a loan?
No, our lending decisions take many factors into account. Even if your credit score is low, you may still qualify for a loan. Don’t let a low credit score prevent… Read more >>
Do you have loans for motorcycles?
Yes, we offer motorcycle loans as well as loans for boats, jet skis, pontoons, RVs, fish houses, ATVs and more! Apply online today! Or, call us at 763-315-3888.
Do you offer business loans?
Yes! We offer business loan options, including: Ensure your business has what it needs to succeed Whether you’re a union, organization, or local business, BTCU has a checking or savings… Read more >>
How can I qualify for a loan?
Qualification criteria differ based on the type of loan. The best way to find out if you qualify for a loan is to apply. Unlike many lenders, we do not… Read more >>
How do I refinance my auto loan?
You can refinance your auto loan using our Online Application. We can refinance your auto loan from another bank. Dependent on your current rate, you may be able to save hundreds… Read more >>
How do I refinance my home equity loan?
To refinance your current home equity loan, please complete our Loan Application. With a BTCU Fixed-Rate Home Equity Loan, you can: Enjoy a fixed interest rate for the life of the loan. Receive… Read more >>
How long will it take to receive a lien release after I pay off my automobile, RV, or motorcycle loan?
We process lien releases approximately 10-14 days after the loan is paid off, and the lien release card will be mailed to you. If you are selling your vehicle and… Read more >>
What are the current auto loan rates?
View our current Auto Loan rates on the Rates page of our website. You can also learn more about BTCU’s auto loan offerings on the Auto Loans page of our website. Pay all your… Read more >>
What is my loan payoff amount?
To find information about your loan such as your loan payoff amount, log in to Online Banking here and click on the name of your loan. You may also call us at… Read more >>
Do I need a separate Username and Password for Mobile Banking?
No, your Mobile Banking credentials are the same credentials you created during the Online Banking enrollment process. It’s easier than ever to bank on the go with Mobile Banking Download… Read more >>
How do I enroll in Mobile Deposit?
To enroll in Mobile Deposit, follow the steps below: Log in to Mobile Banking Click on the “Move Money” tab and select “Deposit Check.” You will then be prompted to… Read more >>
How do I get started using Mobile Banking?
Download our app by searching for “BTCU” in your App Store today, or choose an icon below: If this is the first time you are accessing the online banking system,… Read more >>
How do I sign up for mobile banking?
To register for Mobile Banking, simply download the Mobile Banking app to your phone and follow the automatic, on-screen prompts to log in for the first time! IMPORTANT: If this is… Read more >>
How long does it take for a check to post to my account using Mobile Deposit?
Mobile Deposits will be posted throughout the day, seven days a week with the last posting at approximately 10 p.m. CT. Please note: All deposits are subject to review and funds… Read more >>
How should I properly endorse my check using Mobile Deposit?
On the back of the check, please write “For Mobile Deposit Only at BTCU”, include your account number, and sign your name. Pay with more security and no contact Pay… Read more >>
Is there a fee to use Mobile Deposit?
No. This service is free to BTCU members who download the BTCU mobile app: Visit our Mobile Banking page to learn more. Get started with Mobile Deposit today Experience convenience, simplicity, and… Read more >>
My check image was rejected in Mobile Deposit. What went wrong?
There are certain aspects of each check that must be clearly identifiable or the image may be rejected. Here are a few tips for best photo quality: Lay the check… Read more >>
What is the maximum amount I can deposit in Mobile Deposit?
The limits are listed below: You may deposit up to 5 checks per day. The maximum amount of each check you can deposit is $5,000. The daily maximum amount you… Read more >>
What types of checks can I deposit using Mobile Deposit?
Only domestic checks can be deposited using BTCU Mobile Deposit. The following check types are not accepted: United States Treasury checks MN Department of Revenue checks Traveler’s checks Foreign checks… Read more >>
Can I change insurance companies for my homeowner’s policy? Do I need to notify you?
Yes, you can change insurance providers at any time. However, if your mortgage is from BTCU, be sure to notify us of your change in insurance carriers. We need to… Read more >>
Can I pay my own real estate taxes and homeowners insurance?
For many mortgages, BTCU does not require an escrow account, meaning you may pay your own taxes and insurance. However, there may be specific mortgage types that do require an… Read more >>
Can I roll my closing cost fees into my mortgage loan?
Can I roll my closing cost fees into my mortgage loan? Sometimes this is possible, depending on the circumstances and type of mortgage. Speak with our lender to determine whether you can… Read more >>
Do I need to provide you with proof of my homeowners insurance?
Yes, all properties secured by a mortgage require proof of homeowners insurance. If your property is located in a flood zone, we will also require proof of flood insurance coverage…. Read more >>
Do you offer VA or FHA loans?
Yes. BTCU offers conventional, FHA, and VA mortgages. Visit our Mortgage Page for more information and to learn how you can apply! We understand the needs of union tradespeople No one better… Read more >>
What closing costs will I have to pay for a mortgage?
Closing costs vary and cannot be quoted in advance. Costs may include appraisal fees, credit report fees, origination fees, title insurance fees, etc. Our mortgage lender will find the right… Read more >>
What is a Mortgage Loan?
A mortgage is a loan for which you pledge your home or other real estates as collateral. If you borrow money to purchase a home or other real estate (such… Read more >>
What is an escrow account?
When you have a mortgage loan, an escrow account may be required. An escrow account is a separate account into which you deposit money that will be used by the… Read more >>
Why should I consider getting pre-approved before buying a home?
Speaking with our mortgage expert Brad Benson (763-255-2668) early in your home buying process will help you understand how much you will qualify to borrow. Having a solid understanding of… Read more >>
Will BTCU require an escrow account on my mortgage?
Escrow requirement vary by type of mortgage. For many mortgages, BTCU does not require an escrow account. Speak with one of our lenders to determine whether your mortgage will require… Read more >>
Do you offer wire transfer services?
Yes, wire transfers are a fast and convenient way to move money. Visit our Wire Transfer page for more information. Your money is never out of reach with Online Banking Our free… Read more >>
How can I check my account balance?
You can access your account balance anytime via Online Banking or Mobile Banking. You can also use our Telephone Banking service to check your account balance. Simply dial 1-855-672-7087, enter your account number and PIN (the… Read more >>
How can I make a loan payment to another financial institution using online banking?
To make a loan payment to another financial institution, complete and return the A2A Transfer Authorization form to us and we will set up your account in Online Banking. Make sure to… Read more >>
How do I change my online banking password?
To change your Online Banking password, follow the steps below: Visit our Online Banking login page. Click the “Info Center” link near the top of the page. Select “My Preferences” and click… Read more >>
How do I change my password to 10 characters or less if my current password has more than 10 characters?
If you’ve been using a password that exceeds 10 characters, simply login to online or mobile banking using just the first 10 characters of that password. You may continue to use… Read more >>
How do I deposit checks online?
It’s easier than ever to deposit your checks without ever visiting a branch! Once you’ve download our app, select “Move Money” from the menu. For more information about how to… Read more >>
How do I enroll in online banking?
It’s easy to enroll in Online Banking. Follow the steps below to get started: Visit our Online Banking login page. Click the First-time User? link. Enter your account number and Social Security Number. Click Continue once… Read more >>
How do I get a copy of my statement?
The easiest way to get a copy of your statement is to sign up for eStatements through Online Banking. Then, you’ll have access to all your statements. If you need a… Read more >>
What do I do if I forgot my online banking password?
If you forgot your password, follow the steps below to retrieve it: Navigate to the Online Banking login page. Enter your username and your password attempt and enter. If you get the… Read more >>
What do I do If I have been locked out of my online banking?
If you are locked out of Online Banking, please call us at 763-315-3888 to reset you. There is a reset password option on or website! Enter your username to reset… Read more >>
How do I enroll in Online Bill Pay?
Simply log in to Online Banking and select the “Pay & Transfer” link at the top of the page. Then, follow the enrollment screens. Once you are enrolled you can even pay… Read more >>
How much does it cost to use Online Bill Pay?
Online Bill Pay is a free service. Pay all your bills in one place with Bill Pay Manage all your bills and set up one-time, recurring, or automatic payments with… Read more >>
How secure is Online Bill Pay?
Paying bills online is one of the safest ways to pay your bills. Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills, and statements. It… Read more >>
Do you offer Health Savings Accounts?
No, we do not offer HSA accounts. However, we do offer great rates on our savings accounts. For more information, visit the Savings Account page of our website. Grow your savings with… Read more >>
Do you offer safe deposit boxes?
We do not offer safe deposit boxes. We understand the needs of union tradespeople No one better understands or is more fiercely loyal to the building and construction trades than… Read more >>
Do you offer student loans?
We currently do not offer student loans. However, you may utilize our credit card, a home equity loan, or a line of credit to help with education expenses. Get quick,… Read more >>
How do I re-order checks?
You may reorder checks online through our partner, Deluxe. If this is your first time ordering checks, please call us at 763-315-3888. Skip the checks and pay your bills with Bill Pay… Read more >>
What insurance products do you offer?
BTCU has partnered with a dedicated team of insurance professionals to bring you the following products: Auto Insurance GAP Insurance Credit Life & Disability Homeowners Insurance Life Insurance Visit our Insurance… Read more >>
Do I have to pay a fee to cash a check if I do not have a BTCU account?
Do I have to pay a fee to cash a check if I do not have a BTCU account? Yes, a fee is required to cash a check for non-members. See… Read more >>
How much is the fee to withdraw cash at the ATM?
BTCU does not charge a fee on the first 5 withdrawals per month. The fee for each additional withdrawal can be found on our Fee Schedule. Please use our ATM Locator to… Read more >>
How much will it cost to make a stop payment on a check?
BTCU charges $35 for a stop payment request. BTCU allows you to place a stop payment in Online Banking. Simply login and select the “My Accounts” link near the top… Read more >>
What are the current certificate of deposit (CD) rates?
We’re always trying to get you the best possible deposit rate, and therefore rates are subject to frequent change. Please find current certificate (CD) rates on our Rates page. Grow your… Read more >>
What are the current rates and fees?
Whether you’re looking for a great deal on a loan or simply want a higher yield on savings, we have some of the best rates in town. Please see our Rates… Read more >>
What is the current interest rate for a savings account?
We update the rates on our website each month. Click here to find rates > Savings Rates
What is the fee for cashier’s checks?
Our current cashier’s check fee is listed in our Fee Schedule. A cashier’s check (or cashier’s cheque) is a check guaranteed by a bank, drawn on the bank’s own funds, and… Read more >>
Can I mail a check for deposit into my account?
There are several ways you can make a deposit into your BTCU account: Use Mobile Deposit. Visit a BTCU branch – find a location near you. Mail your deposit to BTCU,… Read more >>
Can I make deposits at other credit unions and have it credited to my accounts?
There are several ways you can make a deposit into your BTCU account: Use Mobile Deposit within the BTCU App. Visit a BTCU branch. Visit a Shared branch. Mail your deposit to BTCU, 12080… Read more >>
Do I need to receive paper statements or can I get my statements electronically?
You can receive your statements by mail or electronically. The cost for paper statements is $2.00 per statement. Every account is automatically setup to receive paper statements. You can avoid… Read more >>
Do you offer a notary service?
Yes, simply stop by a BTCU branch for a notary. There is no charge for members to use this service. Please bring along a photo ID. Visit our branch locations page to find… Read more >>
How can I close my account?
Simply download the Close Account Form from our website. Complete the form, sign it, and mail or fax it back to us (address and fax number are on the form). We hate… Read more >>
How do I change my address?
The easiest way to update your address is in Online Banking. Follow the steps below to get started: Log in to Online Banking Click the “Info Center” link near the top… Read more >>
How do I transfer money into a different BTCU account?
Follow the steps below: Log in to Online Banking Select the “Pay & Transfer” link near the top of the page Then select “Transfer Money” Fill in the fields and submit the transfer If… Read more >>
What time does my direct deposit post on pay day?
Direct deposits will vary by the employer. However, you could set up an eAlert which will notify you when your direct deposit posts to your account. Follow the steps below… Read more >>
Where can I find your Funds Availability Policy?
Our Funds Availability Policy explains when the funds you deposit will be available to withdraw. To learn more, please review the Funds Available Policy document. Pay all your bills in one place… Read more >>
Where is my electronic statement (eStatement)?
Your electronic statement (called an eStatement) can be viewed inside Online Banking. Simply login to Online Banking and select the “My Documents” link near the top of the page. We’ll send an email to you… Read more >>