FAQs

How do I apply for a new account online?

  • To open an account you will need:
    • Social Security Number
    • Driver’s License
    • Contact Information
  • To open a Personal Savings or Checking Account click here to get started. Please contact our local Service Center at 231.946.7090 to open a Business Account or if you have any questions or concerns.

How can I reset my password for ItsMe247 Online Banking?

  • When logging into It’sMe 247 Online Banking, please select “I forgot my password” below Password. You can also change your password once logged into It’sMe 247 Online Banking, Info Center, My Preferences, & Password.
  • Call the Service Center to have the password reset.

How can I reset my username or password for Remote Deposit Capture (RDC)?

  • Please contact the Service Center for assistance.

How can I reset my PIN?

  • You can change your PIN by calling 866.297.3411. You will be asked some security questions and must know your current PIN. You will then be prompted to change your PIN and the change will be effective immediately.
  • If you do not know your current PIN, you can call 231.946.7090 and we will mail it to you.

How can I update my personal information?

  • Please contact our Service Center at 231.946.7090, visit a branch, or access Info Center, then Personal Settings, within It’sMe247 Online Banking to edit your personal information.

What are my options to pay my loan?

  • You can make payments online, with our mobile app, over the phone, in person, Automatic Funds Transfer (AFT), Automated Clearing House (ACH Origination), VISA cash advance, transfer from a TBACU or shared branch account, or by contacting our Service Center.

What are the steps to sign up for Remote Deposit Capture?

  • Open app on Mobile device, click on menu option to open, click on Enroll. Once Enrolled you will select Deposit on the app Menu, login and follow step by steps instructions.

How do I access Remote Deposit Capture?

  • You can access Remote Deposit Capture by using your mobile device. Remote Deposit Capture is available for Android and Apple users. To access please download the Mobile App from your phone’s App Store. Remote Deposit is located on our App Menu.

What is the mailing & overnight address?

  • Mailing Address: P.O. BOX 1049, Traverse City, Michigan 49685
  • Overnight Address: 630 E. Front Street, Traverse City, Michigan 49685

What are your branch hours of operation?

  • Monday – Friday 9 a.m. – 5 p.m.
  • Click here for our Xtend Shared Branching locations, some of our partners do offer Saturday hours. Shared branching gives members convenient access to their accounts and allows members to perform transactions like:
    • Withdrawals
    • Deposits
    • Loan Payments
    • Transfers
    • Balance Inquiries

What is the bank routing number?

  • 272485424

What information do I need to send a Wire Transfer?

  • Name on Account, Account Number, Physical Address, City, Country, Reference for Recipient, Routing Number, and Name of Financial Institution’s Address

What information do I need to receive a Wire Transfer?

What are your current CD rates?

  • Rates are updated weekly and can be viewed here on our website.

Do you have a coin machine & what are the fees?

  • Yes, we have a Coin Machine at our Front Street branch. This service is complimentary for members and non-members will incur a 10% fee.

RDC issues/RDC images issues?

  • Try uninstalling the TBACU Mobile App from your phone and redownloading it.
  • Clearing the cache:
    • Go to Settings,
    • then Storage,
    • tap on cache data, then select OK to clear all cache for all apps.

How do I update the TBACU Mobile App on my device?

  • Apple Users- To make sure that the apps are set to automatically updated, go into Settings and scroll until you see iTunes and App Store. Tap on iTunes & App Store. Then scroll all the way down towards the bottom until you see Automatic Downloads. To turn on automatic app updates, tap in the white oval next to Updates.
  • Android Users- On your Android smartphone or tablet head to the Google Play Store. Hit the menu button (three square dots) which is located at the top right-hand side of the screen and select ‘My Apps’. This menu is where you can see which apps on your device have available updates.