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 the button below 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 username or password?

  • To reset your username in the TBACU Mobile App:
    • Log into your account,
    • Tap your Profile Image in the upper right corner.
    • Tap Change Username
    • Type in your New Username
    • Tap Change Username
  • To reset your username in Online Banking:
    • Visit tbacu.com.
    • Tap on Online Banking Logins in the upper right corner
    • Log into your account
    • Select your Profile Image in the upper right corner
    • Tap Personal Info & Settings
    • Tap Change Username
    • Type New Username
    • Tap Change Username
  • To reset your password in the Mobile app:
    • Log into your account
    • Tap your Profile Image in the upper right corner
    • Tap Change Password
    • Enter your Current Password
    • Enter your New Password
    • Retype New Password
    • Tap Change Password
  • To reset your username in Online Banking:
    • Visit tbacu.com.
    • Tap on Online Banking Logins in the upper right corner
    • Tap Forgot Password
    • Enter the answers to your security questions
    • Type your new password
    • Retype your new password
    • Tap Set Password
  • If it has been over 90 days since your last online banking login or if you have forgotten your username, please contact our Local Service Center at 231.946.7090.

How can I reset my PIN?

  • PIN numbers can be changed at either branch during business hours, Monday – Friday, 9 am – 5 pm.
    • 630 E Front Street, Traverse City, MI 49686
    • 2900 W South Airport Road, Traverse City 49684
  • 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.
  • You can change your PIN number by entering your previous PIN number at any TBACU ATM.
  • If you do not know your current PIN, you can call our Service Center at 231.946.7090, and we will mail it to you.

How can I update my personal information?

What are my options to pay my loan?

  • You have the following options to make loan payments:

How do I know my funds are insured?

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?

  • Front Street Branch, 630 E Front Street, Traverse City, MI 49684: Monday – Friday, 9:00 a.m. – 5:00 p.m.
  • South Airport Branch, 2900 South Airport Road, Traverse City, MI 49684: Monday – Friday, 9:00 a.m. – 5:00 p.m.
  • Local Service Center, 231.946.7090: Monday – Friday, 9:00 a.m. – 5:00 p.m.
  • After Hours Member Support, 231.946.7090: Monday – Friday, 8:00 a.m. – 9:00 a.m., 5:00 p.m. – 8:00 p.m., Saturday, 8:00 a.m. – 5:00 p.m.
  • Click the button below 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

Xtend Shared Branches

What is the bank routing number?

  • 272485424

What do I need to know if I am traveling internationally and plan to use my debit/credit card?

  • VISA charges a 1% foreign transaction fee on all international transactions, including ATM withdrawals. TBACU charges a $1 fee for ATM withdrawals from non-CO-OP Network ATMs. Foreign ATMs should disclose any additional fee before completing the transaction.
  • Notify TBACU of the dates and destination(s) of your trip to prevent your card from being declined.
  • It is always best practice to have more than one form of payment when traveling.
  • We will not allow card transactions in some countries. Please contact our Service Center at 231.946.7090 for more information.

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?

  • Please call our Local Service Center at 231.946.7090 for help receiving a Wire Transfer.

What are your current CD rates?

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 image issues?

  • Requirements for endorsement:
    1. Open the TBA Credit Union app on your mobile device.
    2. Tap the Deposit icon on the menu toolbar.
    3. Tap New Deposit.
    4. Select the account you wish to deposit the funds.
    5. Enter Check Amount.
    6. Tap Continue.
    7. Take a photo of the front of the check. Be sure the check is centered in frame and can be read.
    8. Once a clear picture is taken tap Accept.
    9. Take a photo of the back of the check. To ensure a remote deposit is accepted, please include the words “TBACU Mobile Deposit” beneath your endorsement.
    10. Ensure the check is centered in the frame. Once a clear picture is taken tap Accept.
    11. Check the account and check amount is correct. If correct, tap Submit.
  • Try uninstalling the TBACU Mobile App from your phone and re-downloading 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 update, 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.

How do I download the 6.0 version of TBA Credit Union’s Mobile app?

  • Depending on the settings for your mobile devices, members may need to visit the app store to update the app.

How long does it take for a Pay Anyone transaction to process?

  • It takes up to 2 -3 business days after the recipient accepts the transaction for funds to transfer accounts. Please note that the funds are not held during this time. To avoid an overdraft fee, please ensure the funds remain in the account you are withdrawing from.

Receive an error message trying to load my debit card to Digital Wallet?

  • If you receive an error message while trying to load your debit card into your digital wallet, please contact our Service Center by calling or texting 231.946.7090, as we may have to reissue a new debit card. We apologize for the inconvenience.

How do I post my direct deposit/payroll early?

  • If your direct deposit/payroll is pending, you can post it early within the online banking or mobile app. Click on your savings/checking>ACH transactions>click on the deposit to post.

What is the required minimum deposit to become a member?

  • $15.00

Where can I find my 1099 tax document?

  • These can be found at the bottom of your December e-Statement.

How do I get a new card?

  • Instant Issue Debit Cards can be printed inside our branch lobbies. You can also call our local Service center at 231-946-7090 to order a new Debit or Credit card(7-10 business days).

How do I temporarily freeze my debit or credit card?

  • This can be done through the card control feature within your online banking or mobile app.

 How do I view my ScoreCard Rewards?

Do you have a financial advisor?

  • Yes! Reserve time with CFS Financial Advisor Andrew Maniaci by email, by calling 231.946.8794, or by submitting a contact form on this web page.

What is Real Time Payment (RTP)?

  • It is an instant transfer of funds that is processed immediately

Do members need to use their account base, or account base plus suffix, when initiating a RTP?

  • RTP initiation requires your full account base and suffix; otherwise, the transaction will fail.

Online Banking FAQs


How can I reset my password for Online Banking?

  • When logging into 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 at 231.946.7090 to have the password reset.
    • Favorite Accounts and Features: Customize the accounts you would like to see first, and which features you would like to see, including ACH Transactions, Bill Pay, Message Center, Quick Transfers, Text Banking, and more.
    • Upload a Profile Picture
    • Banking Made Easy: This widget bar located on the left side of the screen provides members links to the TBACU Mobile App for iOS and Android, Text Banking, and eAlerts/Text Notifications.
    • Member Offers: Offers for Applying for a Loan, Skipping a Loan Payment, TBACU Credit Card, and Investment Services.
    • Contact Us: Call us, Chat with our Service Center, Schedule an Appointment using our Booking Service, and Text Us links.
    • Pending ACH Messages: a pop-up message letting members know when there is an ACH pending for deposit to their account.
    • Searching Transaction History: when viewing account details, there is a new “search transaction” box where members can enter an amount, part of the transaction description, a check #, or any other text that appears in the transaction to find all matching items.

How do I use the Switch Membership function?

  • When you click on your profile picture, a drop-down box will appear and lists the memberships you are linked to switch to.

How do I order checks for my account?

  • You will be able to order checks in two ways in the new portal:
    • Hover over “Pay & Transfer” and use the Check Services section.
    • Or you can select the three dots next to the checking account, which will give you a drop-down box.
    • You can choose which checking account (if multiples) and then re-direct you to Harland Clarkes direct website for ordering.

How do I delete a payee in Bill Pay?

  • Select the three dots next to Pay.
  • Select Payee Settings.
  • At the bottom of the page, you will be able to Edit or Delete Payees.
  • At the bottom of the page, next to the Search Transactions box.
  • Use the drop-down box for Transaction Type, and select “Cleared Checks.”

How do I search to view cleared checks?

  • Select the checking account the check was drawn off of
  • Select “Account Details” from the drop-down box.
  • Click “Advanced” next to the Search Transactions box.
  • Use the drop-down box for Transaction Type, and select “Cleared Checks.”
  • You will then be able to search dollar amounts, and check numbers, keywords.
  • You may need to select ‘Load More Transactions’, as the Advanced Search defaults to the previous 29 transactions.

Where do I go to update my personal information, password, and security questions?

  • Access to personal information and other settings are now available by clicking the Profile picture in the upper right-hand corner of the screen.  
  • You will have access to the following items:
    • Message Center
    • eAlert Subscription
    • Personal Information
    • Contact Preferences
    • Changing Username and Password
    • Change Security Questions
    • Login history
    • Passwords Change History

Where do I find the ATM and Shared Branch Locator tools?

  • At the top of the page, select “Member Services.”
  • Select “Helpful Links”
  • These links will direct the member to another web browser to search.


Video Appointment FAQs

How do I check my internet speed?

  • Use a reliable speed test tool (e.g. https://fast.com) to check your internal connection.
  • Ensure a minimum upload speed of at least 5 Mbps and download speed of at least 20 Mbps for a stable video chat experience.

What are the system requirements for a video chat?

  • Verify that your computer or smart device meets the recommended hardware specifications for the video chat platform.
    • Windows Devices:
      •  Windows 10 or Higher
    • MacBook Devices:
      • Mac OS Sonoma Version 14 or Higher
    •  Android Mobile/Tablet Devices:
      • Android Version 12 or Higher
    •  iOS Mobile/Tablet Devices:
      • Must be on iOS 16.4 or Higher

Are a microphone and camera required for a video chat?

  • Microphone and camera are required. Speaker or headphones are required for personal computers.
    • Before the video chat begins, you will need to enable your microphone and camera.
    • Then on the left top corner of your browser please click “Allow” for the microphone and camera.

What are the internet browser requirements for video chat?

  • Confirm that your browser is up to date. Use the latest version for the best performance.
    •  Microsoft Edge
      •  Version 90.0 or Higher
    • Google Chrome
      • Version 90.0 or Higher
    • Safari
      •  Version 14.0 or Higher
    •  Firefox
      • Version 100.0 or Higher
    •  Samsung Internet
      •  Version 15.0 or Higher