Here are the answers to some of our most asked questions. Need additional assistance? Contact us at 800.887.0220.
About TruStar Federal Credit Union
What is the email address for the credit union?
What is the fax number for the credit union?
- International Falls office: 218-283-8034
- Littlefork office: 218-278-4242
- Bemidji office: 218-444-5567
- Park Rapids office: 218-237-8008
- Menahga office: 218-564-5864
- Nevis office: 218-652-6333
What is the routing number of the credit union?
Our routing number is 291274108.
Our routing number is 291274108.
How can I apply for membership at TruStar Federal Credit Union?
Join TruStar
Join TruStar
Who can join TruStar Federal Credit Union?
To qualify for membership at TruStar Federal Credit Union, you simply have to live, work, worship or attend school in the counties we serve. These counties include Koochiching, Beltrami, Wadena, Hubbard, Becker and the northwest corner of St. Louis county. You may also qualify for membership if you have an immediate family member who banks with us.
General Account
How do I change my address on my account?
You can edit your address on our mobile app by accessing the Settings > Profile from the main menu. Alternatively, you may also fill out an address change form, and return it by mail or drop if off at one of our locations.
You can edit your address on our mobile app by accessing the Settings > Profile from the main menu. Alternatively, you may also fill out an address change form, and return it by mail or drop if off at one of our locations.
How do I reorder checks?
Debit Card
What should I do if my debit card is lost or stolen?
Card Management
What is Card Management?
Card Management is a feature within digital banking. You can turn your debit card on or off, report it lost/stolen, replace a worn out card, and activate a new card.
If I find my card after reporting it stolen within the app, can I reverse it?
Once you report your card lost / stolen within digital banking, your card is immediately deactivated. You will need to contact TruStar to obtain a new card that will have a new number.
How long does it take once I turn my debit card back on before I can use it for a purchase?
Once you toggle the button from Locked to Active, there will be up to a 30 second delay.
Card Valet
What is Card Valet?
Card Valet is an app you can download to set alerts and manage your finances on the go. You can turn your debit card on/off, control the types of transactions allowed, and set purchase alerts.
Can multiple cards be added?
Yes. You can register multiple TruStar cards within the app. Navigate to Menu>Manage Portfolio>Add Card to get started.
When a card is lost, does the new card number need to be registered manually through the app? And how is the lost card number removed?
Yes. The new card number must be registered. The replacement card is added to your user profile via Menu>Manage Portfolio>Add Card. The old card cannot be removed but rather you can unmanage the card via Manage Portfolio.
Yes. The new card number must be registered. The replacement card is added to your user profile via Menu>Manage Portfolio>Add Card. The old card cannot be removed but rather you can unmanage the card via Manage Portfolio.
Can I turn on “My Location” for a dependent’s card? How will it work?
My Location is only effective for the enrolled user. To limit a dependent’s card, you can use the Region Location feature. You can set up to 3 regions using the map to designate the areas. The regions are effective for all users with the same card number.
My Location is only effective for the enrolled user. To limit a dependent’s card, you can use the Region Location feature. You can set up to 3 regions using the map to designate the areas. The regions are effective for all users with the same card number.
How long does it take for a control or alert setting to take effect?
Control settings take effect as soon as the Updating information message in the app stops.
Control settings take effect as soon as the Updating information message in the app stops.
What is the difference between Card Management and Card Valet?
Card Management is within TruStar's Digital Banking Suite and allows you to:
- Toggle your card off/off
- Report your card lost/stolen
- Reorder a worn-out card
- Activate a new card
Card Valet is a separate app you need to download and helps you manage your finances:
- Toggle your card on/off
- Receive alerts when your card is used
- Establish transaction controls by category, dollar limit, and location
- Add a dependent's card to monitor spending
Checking Account
How do I place a stop payment on a check?
You have the ability to initiate a Stop Payment through digital banking. It will be valid for 6 months and a $20 stop payment fee will automatically be applied. Login above, select the account the check was written from and click the stop payments tile.
Digital Banking
Logging In
Why am I getting the digital banking error: "Please verify your information and try again"?
This error is present during the log in process and typically means that your credentials didn't match our records. Try entering your credentials one more time. If the error persists, please contact us via phone or chat for further assistance.
Why am I getting the digital banking error: "Oops: The information you provided doesn't match what we have on file."?
This error is present during the log in process and typically means that your account information does not match our records. Please contact us via phone or chat to confirm we have the correct phone number and username on record.
This error is present during the log in process and typically means that your account information does not match our records. Please contact us via phone or chat to confirm we have the correct phone number and username on record.
Why am I getting the digital banking error: "Does not meet username or password requirements"?
This error is present during the enrollment process or when updating credentials. Click on Show Rules below the username and password field to see the credential requirements.
This error is present during the enrollment process or when updating credentials. Click on Show Rules below the username and password field to see the credential requirements.
Why am I getting the digital banking error: "It looks like you've already enrolled"?
This error is present during the log in process and typically means that our records show that you have previously created an account with us. If you forgot your username and password, on the log in page click Forgot? Follow the steps to recover your account.
This error is present during the log in process and typically means that our records show that you have previously created an account with us. If you forgot your username and password, on the log in page click Forgot? Follow the steps to recover your account.
Personalizing
How do I rename or personalize an account name in digital banking?
You can rename any account in digital banking.
You can rename any account in digital banking.
- Select an account from the Accounts section
- Select Settings from the options menu
- Next to the account name, select Rename
- Type the new name, and then select Save
How do I change the order my accounts are displayed in digital banking?
You can rearrange the order your accounts display in digital banking to reflect the sequence you want.
You can rearrange the order your accounts display in digital banking to reflect the sequence you want.
- From the Accounts click on the three dots and click Organize Accounts in online or click the opposing arrows in mobile
- Drag and drop the accounts to rearrange the order
- Click Done
Transactions
How do I make a transfer between my accounts in digital banking?
To transfer between your credit union accounts in digital banking:
To transfer between your credit union accounts in digital banking:
- Click Transfers
- Select your To and From account and amount
- Click More Options to change the frequency and date if desired
- Click Submit
You can add notes, tags, and images to any transaction inside of digital banking. To begin:
- Click on any account
- Select the Transaction you wish to edit and pull up the transaction’s details page
- Click on the appropriate icon for one of the following:
- Add tags
- Add Notes
- Add Images
- Follow the on-screen prompts to update the transactions
- Close the transaction detail page
Any tags, notes, and images attached to transactions will be accessible on all devices when you log in to digital banking in the future.
How do I download transactions in digital banking?
Account transactions can only be downloaded in online banking (not the app).
Account transactions can only be downloaded in online banking (not the app).
- Click Accounts
- In the Accounts section, select the account you like to download transactions for.
- In the Activity area, select the first icon next to the print and search icon.
- On the Download Activity window, select the Date range and File Type and click Download.
How do I print transactions in digital banking?
Account transactions can only be printed in online banking.
Account transactions can only be printed in online banking.
- Click the Accounts tab
- In the Accounts section, select the account
- On the Activity section, select the printer icon. Only transactions that show in the Activity section will print.
- A print screen appears with a print preview and print configuration options.
- Using the dialog, configure the print settings and select Print.
Alerts
To set up alerts in digital banking:
- Select the account you would like to set up an alert for
- Click Alert preferences in the menu or Manage alerts in mobile
- In the Balance alerts section, select Add alert.
- Select Above or Below, and then input a dollar amount.
- In the Alert/Notify by field, select Email, Text message, or In-app message.
- Select Add Alert to save the alert
- Repeat steps for Transaction alerts
How do I delete an alert in digital banking?
Alerts can be deleted at any time in digital banking.
Alerts can be deleted at any time in digital banking.
- Select the account you would like to edit up an alert for
- Click Alert preferences in the menu or Manage alerts in mobile
- Under Alerts
- Click Edit next the alert you would like to change
- Click the Trashcan icon or click Remove in mobile
How do I edit an existing alert in digital banking?
Alerts can be edited at any time in digital banking.
Alerts can be edited at any time in digital banking.
- Select the account you would like to edit an alert for
- Click Alert preferences in the menu or Manage alerts in mobile
- Under Alerts
- Click Edit next the alert you would like to change
- Change your criteria for the alert
- Click Save
Messages
How do I send a message in digital banking?
Whatever device you are on, it's easy for you to start a secure conversation with the credit union:
Whatever device you are on, it's easy for you to start a secure conversation with the credit union:
- Log in to digital banking via the Login button on the website or via the mobile app.
- From a desktop, click on the envelope icon in the upper right-hand corner of digital banking or select Conversation from the dashboard of mobile banking.
- Click Start a conversation or click the conversation icon on mobile.
- Type your message and click Send.
A member service consultant will respond shortly.
General
Is the mobile app secure?
Yes. TruStar Federal Credit Union uses SSL encryption for all of our electronic communications as well as industry-leading security measures to protect your data, no matter how you choose to access your accounts.
Yes. TruStar Federal Credit Union uses SSL encryption for all of our electronic communications as well as industry-leading security measures to protect your data, no matter how you choose to access your accounts.
Bill Pay
What is Bill Pay?
Bill Pay allows you to pay anyone, anywhere right from your computer or mobile phone. There is no limit to the number of bills you can pay, and this service is free to all members with a checking account. Bill Pay is offered through digital banking.
Bill Pay allows you to pay anyone, anywhere right from your computer or mobile phone. There is no limit to the number of bills you can pay, and this service is free to all members with a checking account. Bill Pay is offered through digital banking.
Mobile Deposit
What is Mobile Deposit?
Mobile Deposit is a free feature available on TruStar’s mobile application where all members can deposit checks using any Apple or Android device.
Mobile Deposit is a free feature available on TruStar’s mobile application where all members can deposit checks using any Apple or Android device.
Is Mobile Deposit secure?
Yes. We use SSL encryption for all of our electronic communications, as well as industry-leading security measures to protect your personal information and account
Can I deposit to any of my accounts with Mobile Deposit?
You can use Mobile Deposit to deposit funds to your Savings, Checking, and Money Market accounts.
Can I deposit any checks with Mobile Deposit?
You should only use Mobile Deposit for domestic checks not drawn on your own account. Checks must be made payable to an owner of the deposit account. Checks will not be accepted if they are incomplete, post-dated or stale-dated, made payable to a third party, or stamped with a “non-negotiable” watermark. Be sure your checks have no evidence of alteration or contain a restrictive endorsement. Savings Bonds are not eligible for Mobile Deposit.
Can my Mobile Deposit eligibility be revoked?
Yes. TruStar reserves the right to revoke access to Mobile Deposit without prior notification.
Should I endorse the back of the check for mobile deposit?
Yes. If you do not endorse the back of the check, your deposit will not go through. The endorsement should include your signature and the special endorsement, For Mobile Deposit Only.
How will I know that my deposit was accepted?
A notification will be sent to your email address on file when the deposit is made to your account.
A notification will be sent to your email address on file when the deposit is made to your account.
When is my money available for use?
Generally, deposits are made available for use within one business day. However, in some cases a hold may apply.
I inadvertently selected the wrong account for the deposit. What should I do?
You may transfer funds to the correct account with the mobile app or within online banking.
What should I do with the check once it's been accepted?
You should retain the check in a safe place for thirty days and then destroy it. This is a completely electronic process and you don't need to mail the physical check to TruStar.
Why is my balance not reflecting my recent Mobile Deposit?
In some cases your Mobile Deposit will be held for review and not immediately posted to your account. During the Mobile Deposit session, you will be notified if your deposit was immediately posted or held for review. The review process should take no longer than one business day. Once the Mobile Deposit has been reviewed, you will receive an email notification that the funds are in your account, or that the deposit was rejected, adjusted, or placed on hold.
Are there deposit limits with Mobile Deposit?
Your deposit limit is based on a 30-day rolling limit. Your Mobile Deposit limit will be displayed when you access it from your TruStar mobile app. Assigned limits may change without prior notification.
ATMs
How long is the hold on deposits into an ATM?
The approximate amount of time needed to make a deposit transaction at an ATM and have the transaction posted to your account is 1 business day. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.
The approximate amount of time needed to make a deposit transaction at an ATM and have the transaction posted to your account is 1 business day. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.
Do I get charged an ATM fee by TruStar Federal Credit Union?
Members receive unlimited ATM transactions at all TruStar ATMs and MoneyPass machines. To find an ATM near you, go to our Locations page.
Is there a charge to get an ATM card?
We do not charge a fee to obtain an ATM card.
Do you have a listing of MoneyPass ATMs I can use while traveling?
Please visit the MoneyPass locator at www.moneypass.com.
Certificates of Deposit
What is a Certificate of Deposit?
A Certificate of Deposit (CD) is a savings certificate entitling the bearer to receive interest. A CD bears a maturity date, a specified fixed interest rate and can be issued in any denomination. When you open a CD, your money is on deposit for a specific time period. For agreeing to keep it on deposit for a specified time period, you earn more than you would in a regular savings account. If you cash it in before its maturity date you pay a penalty.
A Certificate of Deposit (CD) is a savings certificate entitling the bearer to receive interest. A CD bears a maturity date, a specified fixed interest rate and can be issued in any denomination. When you open a CD, your money is on deposit for a specific time period. For agreeing to keep it on deposit for a specified time period, you earn more than you would in a regular savings account. If you cash it in before its maturity date you pay a penalty.
IRAs
What is a Roth IRA?
A Roth IRA is an individual retirement account created by the Taxpayer Relief Act of 1997. Roth IRA accounts are traditionally used as retirement savings accounts. They allow limited contributions to be made throughout the tax year and can be withdrawn within 5 years after establishing the account provided you are aged 59 1/2 or older.
A Roth IRA is an individual retirement account created by the Taxpayer Relief Act of 1997. Roth IRA accounts are traditionally used as retirement savings accounts. They allow limited contributions to be made throughout the tax year and can be withdrawn within 5 years after establishing the account provided you are aged 59 1/2 or older.
Will my Roth IRA affect the amount that I can contribute to my employer-sponsored retirement plan?
No. The amount you contribute to your 401(k) or other employer-sponsored plans will not be affected by your Roth IRA.
No. The amount you contribute to your 401(k) or other employer-sponsored plans will not be affected by your Roth IRA.
Can I have both a traditional IRA and a Roth IRA?
Yes, you can maintain both types of IRAs at the same time. You can even make contributions to both types of IRAs in the same year. But your contributions to both Roth and traditional IRAs cannot exceed the maximum contribution limit for all IRAs.
Financial Education
Do you offer financial education resources?
TruStar has partnered with Enrich to offer tools and resources allowing you to achieve your financial goals. Get your personalized recommendations by clicking the link below:
https://trustarfcu.enrich.org
TruStar has partnered with Enrich to offer tools and resources allowing you to achieve your financial goals. Get your personalized recommendations by clicking the link below:
https://trustarfcu.enrich.org
Miscellaneous
How do credit unions differ from banks?
At first glance, there may not seem to be much difference between credit unions and banks - they both offer similar products and services. However, it’s how we do business that sets us apart:
- A credit union is a not-for-profit financial institution made up of people who share a common bond. In some cases, they have the same employer. In other cases, they live in the same communities or belong to the same churches.
- As a financial cooperative, any profits made are used to provide better interest rates, to reinvest in the organization and the community, or in some cases, to return dividends to members.
- For a $25 deposit into a Share Savings Account, you become a member-owner of TruStar Federal Credit Union.
- Members have an equal voice in deciding how the credit union is managed. The Board of Directors are elected by the members and serve as volunteers.
- In addition to offering a full range of financial services, credit unions take pride in educating their members and making them wiser consumers of financial services.
- Credit unions are also heavily involved in the communities they serve.
How can I get a copy of my credit report?
The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com.
The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com.
According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports but often charge you for another product if you accept the report.
To request your credit report by phone, call (877) 322–8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.
Is my money that I have on deposit at TruStar insured?
Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government.
Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government.
For more information: https://www.mycreditunion.gov/share-insurance
