If we have approved an overdraft protection plan for an account, we will honor withdrawals drawn on insufficient funds by transferring funds from another share/savings account or a loan account, as directed by the member when the service was originally established.

Northland offers a free regular checking account that requires no minimum balance.  In addition, for those who do not qualify for a regular checking, we offer a Fresh Start Checking with a low minimum balance requirement and a monthly fee.

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive the deposit.

In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of deposit.

For Northland Area Federal Credit Union's complete Funds Availability Policy, please review the Membership Account Agreement.   

Please contact us at any branch location or by calling 989-739-1401  Mon-Thu 8-5, Fri 8-6

Additional security measures:

• 800-710-9898  TeleCheck
• 800-437-5120  Certegy, Inc.
• 843-571-2143  National Check Fraud Service