Frequently Asked Questions (FAQ)

CUPayLink

What type of account do I need for CUPayLink and how do I Enroll?
A NorstateFCU Share Draft Account (checking) and our free Online Banking service. Once you have logged into your Online Banking account, you would need to click the link above that states "CUPayLink" in order to enroll. When enrolling, please make sure to enter your full MICR Number located on the bottom of your check book starting with "70036".

What is the fee for CUPayLink?
There is no charge for using NorState Federal Credit Union's CUPayLink, which means you can pay an unlimited amount of bills.

Is CUPayLink Bill Pay Secure?
CUPayLink uses 128-bit encrytion and front-end safeguards to secure your online transactions, utilizing a high-security 24/7 monitoring system.

Are CUPayLink payments guaranteed to arrive on time?
Yes, payments are usually guarantee to arrive based on the estimated arrival dates given to you after scheduling your payment. The dates are just estimates and may take longer depending on the merchant, so always try to schedule in advance to ensure on time arrival.

Can I view my payment history?
You can view up to one full year of payment history.

Who can I contact for help with my CUPayLink Account?
If you are experiencing problems with your CUPayLink account, please contact IPay at
(866) 884-5331. If you still require additional assistance, please call us at (800) 804-7555.
You can also open a chat session with an IPay representative if you are unable to call.

When I click the CUPayLink, it says contact your Credit Union and nothing happens?
If you experience this problem, please make sure all pop-up blockers are disabled on your computer, because popup blockers will prevent the site from loading.

Online Banking

What is Online Banking?
Online Banking is an online service available to all NorState FCU members that lets you conduct your financial transactions from the comfort of your home free of charge and is accessible 24/7/365.

What transactions can I do through Online Banking?
Almost everything that can be done in person at NorState FCU. Apply for a loan, make withdrawals, histories or payments. You can also email us and so much more.

I'm locked out of Online Banking?
As a security feature to Online Banking, a member’s password will be locked after 3 incorrect attempts to logon. Should this occur, please call (800) 804-7555 to have your password reset.

Why didn't my transfer go through on time?
In order for your transfer to go through correctly, you have to get a confirmation number, which is a secondary screen. If you didn't get a confirmation screen or if you do not accept the confirmation, it will not go through.

How many months of history can I receive online through Online Banking?
You can receive 2 months of transactions. The current month and the previous month.

CU e-Statements

What are CU e-Statements?
Rather than receiving your statements in the mail, you can receive it online. You can view statements as far back as 2 years. You can apply online or at your nearest NorState Federal Credit Union Office. This service is free of charge and is accessible 24/7/365.

How many months of statements can I retreive?
You can retreive up to 18 months of statements.

Why am I having troubles accessing my CU e-statements?
In order to access your CU e-statements, please make sure all pop-up blockers are disabled on your computer and you have Adobe PDF reader installed.

Shared Branching

What is Shared Branching?
Shared Branching allows credit unions from all over the country to share facilities to give members thousands of convenient locations to perform transactions just as if they were at their home credit union. Whether you are at work, home, or your favorite travel destination, your credit union is always nearby.

How do I know a credit union participates in Shared Branching?
All credit union that participates in shared branching will have the swirl logo displayed at their credit union or you can ask an account representative.

What kind of transactions can I conduct at a Shared Branching location?
At a shared branching location, you can conduct several types of transactions, including:

-Deposits
-Withdrawals
-Loan Payments
-Make transfer between accounts
-Purchase money orders and travelers checks e.t.c

What is required to take advantage of this service?
When you enter a shared branching credit union, you will need the following information:

-Your home credit union's ABA (Routing Number) or your credit union's name
-Your account number
-Valid government issued photo identification (State Driver's License, US Passport

VISA Cards

Can I get history on my Visa through Online Banking?
No. Histories can only be accessed through www.ezcardinfo.com . You may however check on your credit card balances.

Why does my credit card payment not change right away?
It takes two days before your Visa payment is posted so you will not see a change before two days.