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FAQs

Most Requested Information

Does BTCU offer scholarships?

Yes! Each year, BTCU awards a total of $10,000 in scholarships to 25 members. Scholarship applications can be found, starting January 1, on our website by searching the word “scholarship”… 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 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 >>

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 2022 closings below: January 1 – New Year’s Day January 18 – Martin Luther… 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 7 am to 7 pm and on Saturdays from 7 am to 4 pm. We understand the needs of… 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 >>

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 >>

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 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 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 >>

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 >>

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 >>

Does BTCU offer scholarships?

Yes! Each year, BTCU awards a total of $10,000 in scholarships to 25 members. Scholarship applications can be found, starting January 1, on our website by searching the word “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 >>

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: Term Loans Lines of Credit Letters of Credit Real Estate Loans Credit Cards Contact Jens Nestingen at 763-255-2676 for more information or email… 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 >>

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 >>

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 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 >>

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 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 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 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 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 >>