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
  • For further assistance, please contact the 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.
  • 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 can make payments online, with our mobile app, with Remote Deposit Capture through or mobile app, over the phone, in person, Automatic Funds Transfer (AFT), Automated Clearing House (ACH Origination), via LoanPay Xpress, transfer from a TBACU or shared branch account, or by contacting our Service Center at 231.946.7090.

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 a.m. – 5 p.m.
    • South Airport Branch, 2900 South Airport Road, Traverse City, MI 49684: Monday – Friday, 9 a.m. – 5 p.m.
    • Service Center, 231.946.7090: Monday – Friday, 9 a.m. – 5 p.m.
    • After Hours Member Support, 231.946.7090: Monday – Friday, 8 a.m. – 9 a.m., 5 p.m. – 8 p.m., Saturday, 8 a.m. – 5 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?

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?

  • 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 5.0 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.

Online Banking FAQ

Why did TBACU change the look of online banking?

  • In order to provide a more personalized experience for our members and ensure a similar user experience on a mobile device and desktop computer, our online banking platform was refreshed.

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.

What are the new features within Online Banking refresh?

  • 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.

Why aren’t my loans separated from my other accounts like they used to be?

  • They can be! You can edit your “Favorite Accounts” and have them separated any way that you want.

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.