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NorState Federal Credit Union NorState Federal Credit Union

Online Services

NorState Federal Credit Union makes it easy to access your account from anywhere using your Mobile Phone, Computer or TellerPhone. We also provide many other unique services to our members. If you are not a member, sign up now to start enjoying all these great benefits.

nYOU Visa Check Card        nYCardLogo

NorState Federal Credit Union’s is pleased to bring you the latest in Check Card Technology -

nYOU Custom Visa Check Card! In a few easy steps, create a card that reflects your personal style.


Important Items to Note:

  • A fee of $5.00 will be debited at the time of card ordering from your NorStateFCU Checking account.
  • You must currently have a NorStateFCU Checking Account to use this service. Don't have a NorState FCU Checking Account? Call 1-800-804-7555 or stop by any of our 6 locations near you to enroll.
  • If you recently enrolled into a Checking Account, or have a Checking Account, but no VISA Check Card and would like to sign up, please make sure to enter Six Zeros (000000)in the card number field when customizing your nYOU VISA Check Card.


Sign up for your nYOU Card

Three steps in creating your nYOU Card:

  • Step 1: Upload your own photo of your family or friends, your pet or a great vacation pic. We have ideas too if you need them
  • Step 2: Be the designer...enlarge or reduce the image, flip it or even rotate it.
  • Step 3: Preview your card and submit your order; it will arrive in 10-14 business days, after your image has been approved.

Click here to try our Demo

Click here to view our FAQ (Frequently Asked Questions) on nYOU Visa Check Card

Click here to view our Image Guidelines

Click here to view our Terms and Conditions


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AskAuto App          


This new research App is designed to simplify our member's vehicle-buying experience. Once downloaded to your Smartphone, you can scan the vehicle's VIN and get valuable information and tools to help you make an informed decision.

Benefits of AskAuto App:

  • Scan a car's VIN to get information on your dream vehicle, including the average retail cost and EPA mileage estimates
  • Compare, rank and save notes on vehicles you like
  • Learn which loans might be best for you
  • Apply for a loan from anywhere using your Smartphone
    - Members can scan their driver's license to prefill many fields in the loan application
    - The AskAuto app prefills the loan application with saved vehicle data

Download AskAuto for your Smartphone

Want to take AskAuto app for a test drive? Download your free app for iPhone, IPad and Android devices today by clicking the links below. Be sure to select NorState Federal Credit Union on the app's startup screen.

Click below to download from the App Store

App Store Download
Android Download



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NorState NOW                                                                                                  

NorState Federal Credit Union would like to welcome you to our new and improved NorStateFCU Mobile Banking Product! We are proud to offer this convenient service to our member's, free of charge. This is one of the many benefits of becoming a member of NorStateFCU. Members can now access their accounts securely from any Mobile Browser, App Store (Android or Apple), Blackberry, SMS messaging and many other mobile devices.

Benefits of Mobile Banking:

  • View Account Balances
    - Savings
    - Checking
    - Loans and Club Accounts
  • Transfer funds within your primary account
  • View recent transaction histories
  • Pay your bills securely from your mobile device
  • Send us secure messages
  • Locate nearest ATM's and Branch locations
  • Deposit Checks with Mobile Capture

NorState Mobile Banking Requirements:

  • Must have a Primary Account Number with NorStateFCU
  • Must have a phone with a Data Plan for SMS or Web Browsing
  • Must have a phone that supports WAP (Wireless Access Protocol)
  • Phone must have Cookies enabled

Important Items to Note:

  • You can login with your existing UserID and Password
  • You must have access to the E-mail address on your account
  • A Onetime PIN will be sent to that e-mail address with instructions on completing the process. This security feature helps protect and confirm your identity.
  • Make sure to check your junk mail box if you don't see the message. The e-mail is sent instantly, but system response time may vary depending on your e-mail provider.
  • E-mail addresses can be updated by calling in or logging into Online Banking on your computer and updating your login profile. Once logged in, go to Other Options -   Change Login Profile, enter your current password and then update your e-mail address on the bottom and continue to complete the process.
  • If the e-mail was sent to an account you don't have access too, call us to update your    e-mail address.
  • Once your e-mail address has been updated, we will need to reset your Onetime Pin so you can start the process again to have the pin sent to the correct e-mail address.
  • The Onetime PIN will be appended to your password upon logging in, once logged in, you will never be asked again unless you change phones or delete your browser cookies.

Sign up for NorState NOW


Sign up for NorState NOW today and start taking advantage of this wonderful service. We want to improve your Mobile Banking experience. You can login with your existing Online Banking UserID and Password. If this is your first time using Mobile Banking on your device, there will be a Onetime PIN sent to your e-mail address with instructions on registering your device.


Download NorState NOW Mobile App

App Store Download
Android Download


  • To access your account using your Mobile Browser, click here
  • To use SMS (Short Message Service), log into your Mobile Browser site and start sending text messaging commands to your account.

Click here to view a complete list of text messaging commands

Click here to find nearby ATM's


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Apple Pay  

Now you can enjoy all the benefits of your NorStateFCU Visa Credit Card using Apple Pay on iPhone 6.Apple Pay is the easy, secure, and private way to pay with a simple touch.

ADDING CARD -Adding your NorStateFCU Visa Credit Card to Apple Pay on iPhone 6, is easy.

To add your NorStateFCU Visa Credit Card to Apple Pay, use your iSight camera to instantly capture your card information. Or simply enter it manually.

Or, just add your NorStateFCU Visa Credit Card from your itunes account to Apple Pay.

HOW TO PAY - Use your NorStateFCU Visa Credit Card to pay in an easy secure way by using Apple Pay on iPhone6.

To pay in stores, just hold your iPhone 6 near the contactless reader with your finger on Touch ID. A subtle vibration lets you know your payment information was successfully sent.

To pay within apps, checking out is as easy as selecting "Apple Pay" and placing your finger on Touch ID.

When you pay with your  NorStateFCU Visa Credit Card using Apple Pay, you still get all the rewards, benefits, and securities your card provides.

For more information, please visit


CUPayLink (CUPaL)

NorState Federal Credit Union’s CUPayLink Bill Pay is an easy way to make payments without writing a check. It is designed to save you time and money and provide security when paying your bills and is a free service to our members.

With CUPayLink, you set up the account information for each of your payees, which can be organizations or persons.

When you receive bills, you select the payee, enter the amount you owe and the due date. 
Your payment will be sent electronically to the payee if they are set up to receive them. If the payee is not set up to receive electronic payments, CUPayLink will print out a paper check and send it to the payee for you.

Benefits of CUPayLink:

  • Easy bill paying: You don't have to write checks, buy stamps or mail bills
  • Save time: By setting up your bills to be paid automatically, you'll save time. On average, people spend three days a year just paying bills.
  • Save money: With the cost of stamps, you will save on postage alone.
  • 24/7 access from any Internet-enabled computer

Using CUPayLink You Can:

  • Send Money to any Individual, Company or Organization in the U.S (We reserve the right to refuse payments to anyone.)
  • Set up your payee information. Unlimited amount of payees.
  • Set up automatic payments for recurring bills.
  • Review pending payments and make changes or cancel them if needed.

Additional Information:

  • If your payee accepts electronic payments, please allow three or more business days for payments to be received and posted.
  • If your payee accepts only checks, please allow six to seven business days for them to be received and posted.
  • Please allow extra time for weekends and holidays.
  • When enrolling into CUPayLink, please make sure to enter your full MICR Number located on the bottom of your check book starting with "70036".
  • 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.

Sign up for CUPayLink

Three methods to enroll:

  • You must have a NorState Federal Credit Share Draft Account.
  • You will also need to sign up for Online Banking access.
  • After logging into your account, click the CUPayLink located above to enroll.
    You will then be prompted to enter your checking account number, which is the
    full MICR number located on the bottom of your check book starting with "70036".

Click here to view a demonstration of our online CUPayLink Service

Click here to view our FAQ (Frequently Asked Questions) on CUPayLink


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Online Banking

NorState FCU Online gives you "real time" control over all of your accounts in the comfort of your home, office or on the road.  You can manage your money safely from any Internet-enabled computer free of charge 24-hours a day, 7-days a week.  Manage your money better than ever before!

Enjoy the convenience with these features:

  • Account to Account Transfer
  • View Balances on All Accounts
  • View Account Histories
  • Get Real-Time Account Balances
  • Download .CSV of transactions into Excel
  • Download Statements
  • Setup Monthly Budget and Generate Reports
  • Transfer funds between Accounts
  • Setup Automatic Payments
  • Make Loan Payments
  • Make Stop Payments on Checks
  • Obtain Tax Information
  • Obtain Direct Deposit information
  • Pay your Bills
  • Communicate with us securely
  • Manage your Profile

Register for Online Banking

To get started, please follow the instructions below.

  • Visit our Home Page
  • Click Register
  • Enter your Account Number, last 4 of your SSN, Birthday and "Yes" to Accept the Terms
  • Setup your Username and Password
  • Setup your Security Phrase and Choose a Picture
  • Wait for the process to complete, that's it, you have successfully enrolled your account

For more information, please click the Brochure below or visit our FAQ section

Online Banking Brochure or Call us at (800) 804-7555


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Get quick, convenient account information with our new and improved TellerPhone service. This free service allows you to get your account information from home, the office or on the road with toll free access.

The credit union is always as close as your telephone. iTalk gives you up-to-the-minute information about your account; it's like having your own personal teller.

Benefits of iTalk:

  • Account Balances
  • Account Histories
  • Funds Transfer
  • Account Management

How to Register for iTalk

Steps to Register :

  • Please first call your local number below. If your area of service is not listed, please call our toll free (855) 780-6179
  • Enter your Account Number
  • Enter your SSN
  • Create a secure PIN for your account

Steps to Access your Account :

  • Please first call your local number below. If your area is not listed, please call our toll free (855) 780-6179
  • Press 1 for Touch Tone
  • Enter your Account Number
  • Enter your Secure PIN
  • Enter the last 4 Digits of your SSN or TIN


Please look below to find your local iTalk number:

  • Local 1 : (207) 436-6106
    • Madawaska (207) - 728, 436, 316
    • Frenchville (207) - 543
    • Grand Isle (207) - 895
    • Edmundston, NB (506) - 223, 253, 254, 353, 733, 735, 736, 737, 739, 740
  • Local 2: (207) 484-4000
    • Van Buren (207) - 484, 868
    • Limestone (207) - 325, 328, 999
    • Caribou (207) - 492, 493, 496, 498
    • New Sweden (207) - 896
    • St. Leonard, NB (506) - 390, 421, 423, 824
  • Local 3 : (207) 554-1003
    • Presque Isle (207) - 227, 540, 551, 554, 760, 762, 764, 768, 769
    • Mars Hill (207) - 425, 429
    • Ashland (207) - 435
    • Washburn (207) - 455
    • Fort Fairfield (207) - 472, 473, 476
    • Easton (207) - 488


For more information, please click the Document below

iTalk Document or Call us at (800) 804-7555


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Access your statements faster from wherever you choose with no extra cost or fees. You can view, download and save your statements to your computer. You will need to have Adobe PDF reader or any other program that can read PDF's installed on your computer to view your statements.

Be assured that your statements are secured requiring you to logon to Online Banking before viewing them. If you have not register for CUe-Statements, please follow the procedures below to get started.

Register for CUe-Statements    

To register, please follow the instructions below:

  • Login to Online Banking
  • Click on Documents
  • Read the Disclosure
  • Type Yes next to Agreement
  • Click Activate to register for CUe-Statements


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Online Applications




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