Membership Benefits

More for Members 

In addition to our full range of banking products and services, all NW Plus CU members have access to all of these additional features at no additional cost:

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Digital Banking

Enjoy digital banking through our website and the NW Plus CU mobile app. Manage your accounts when it’s convenient for you with our suite of digital tools. Sign up for eStatements and Bill Pay^® to add even more convenience to your account.

Online Banking through the NW Plus CU Website

• Transfer funds between accounts 
• View account balances in real time 
• Reorder checks 
• Enjoy easy recordkeeping with eStatements 
  • Access past statements 
  • Ability to download and save for future reference 
  • Available through online banking and your NW Plus CU mobile app 
• Set alerts for your accounts 
  • Use eNotices for electronic messages regarding non-sufficient funds, delinquency, overdraft transfers, maturing certificates, and electronic 1099-INT & 1098-Mortgage Interest Notifications 
• Pay bills anytime, anywhere it’s convenient for you with Bill Pay
  • Avoid late payments and fees 
  • Set up reminders 
  • Set up recurring payments 
• Download activity to Quicken to better manage your budget 
• To register for online banking, click the "Login" button at the top of this page and choose the "Enroll Today

Mobile Banking through the NW Plus CU Mobile App

• Fast, free, and secure service for members enrolled in online banking¹ 
• Available to personal and business customers 
  • Download from the App Store
  • Get it from Google Play
• Easily keep track of your finances anytime, anywhere: 
  • View account balances 
  • View account transactions 
  • Transfer funds between accounts 
  • Pay bills (must be set up through our online banking system, Personal Branch)
• Remotely deposit checks 
• Send and receive money with Zelle^® in minutes, right from the NW Plus CU mobile app 
• View eStatements 
• Monitor your credit score with a complimentary Credit Sense subscription 

CARDS+ 

CARDS+ is in your NW Plus CU mobile app.

• Instantly deactivate a lost or stolen NW Plus debit card, and instantly reactivate it if the card is found 
• Use CARDS+ to define a how your card can be used. Set restrictions by: 
  • Geographic location 
  • Merchant types 
  • Transaction types 
• Set spending limits 
• Add alerts to see exactly where and when your card is used 
• See detailed information about each purchase you make with your card 
• View your spending by category, monthly trends or location 

Minimum System Requirements

Tier 1 carriers in the U.S.:

• AT&T
• Verizon
• T-Mobile/Sprint
• US Cellular

Apple Devices

• iOS 16 and iPad OS16
• All later major version updates are supported; for example 16.0, 17.0, 18.0
• NW Plus CU Mobile App Version 25.1.31 or higher downloaded via Apple App Store
• Default installed browser--Safari

Android Devices

• Android 11.0 or higher
• All later major version updates are supported, for example 11.0, 12.0, 13.0
• NW Plus CU Mobile App Version 25.1 or higher downloaded via Google Play Store (Android app store)
• Default installed browser--Google Chrome

• Mobile Deposit support requires a camera of at least two mega-pixels in resolution
• Mobile App does not support the use of the Android “Developer options” setting, including USB Debugging
• Jailbroken/rooted devices and MITM interception are not supported

• Only the default installed device browser is supported
• Beta version of browsers are not supported
• The SMS channel is only supported for devices with SMS capability

¹Message and data rates may apply. Please check with your provider.

eStatements

eStatements are digital versions of traditional paper statements. They contain all of the same information but are a faster, more secure way to receive your NW Plus CU account statements.  

An email alert is sent each time a new eStatement is ready for you to review. Simply log in to your online banking page and click the “eStatements” link, or tap the “Statements & Documents” link in the NW Plus CU mobile app to view the past 18 months of statements. 

• Same information as paper statements 
• More secure than mailed statements 
• Reduce opportunities for identity theft and fraud 
• Receive monthly statements sooner 
• Access up to 18 months of past statements 
• Reduce clutter and waste 
• Downloadable and printable for future reference 
• Available through your online banking page and the NW Plus CU mobile app 

Getting started with eStatemets is easy. Simply log in to your NW Plus CU online banking page and select “eStatements” to enroll today! 

eNotices

Looking to go fully paperless? Don't forget to turn on eNotices by switching the delivery method to 'Electronic' in Online Banking. 

• Includes annual tax forms, CD notices, and more! 
• More secure than mailed documents
• Reduce opportunities for identity theft and fraud 
• Receive important documents faster
• Reduce clutter and waste 
• Downloadable and printable for future reference 
• Available through your online banking page

Getting started with eNotices is easy. Log in to your NW Plus CU online banking page and select “eNotices”, and go to the 'Delivery Method' tab to switch to electronic. You'll get notified by email when you have a new document available! 

Not getting the emails? Check your spam folder to make sure you get what you need when you need it. 

Surcharge Free ATMs and Shared Branches

Convenient access to your NW Plus CU accounts through the CO-OP network of surcharge-free ATMs and Shared Branches. Make surcharge-free withdrawals at more than 30,000 locations nationwide and access your account at more than 5,000 participating credit union branches.

Shared Branches

Debit Cards

Free contactless Visa^® debit card. Add it to your favorite digital wallet, manage your card in the NW Plus CU mobile app, and automatically add to your savings account with Debit Card Roundup.

Credit Sense

NW Plus CU partners with Credit Sense to provide members access to free credit score and credit report monitoring. You get your latest credit score, credit report and an understanding of key factors that impact your score – all at no cost. 

Credit Sense pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and provides you all the information you would find in your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. 

Checking Credit Sense is a "soft inquiry", which does not affect your credit score.   

Monitoring your credit helps keep an eye out for identity theft. It can also help you manage your credit so when it comes time to borrow for a big-ticket purchase — like buying a home, car or paying for college — you have a clear picture of your credit health and can qualify for the lowest possible interest rate. 

Members must sign up for online banking to access Credit Sense. Both are entirely free and no credit card information is required to register. As long as you are a regular NW+ online banking or mobile app user, your credit score will be updated monthly.  

Early Pay

Receive your direct deposits up to two days early with Early Pay. This benefit is completely free and is included on all NW Plus CU checking accounts.

How does this work? 

Early access to ACH (Automated Clearing House) deposits depends on the day the deposit information is transmitted by the sender through the ACH network. NW Plus CU deposits the funds up to 2 calendar days prior to the settlement date when funds are received.

*Early access to ACH (Automated Clearing House) deposits depends on the day the deposit information is transmitted by the sender through the ACH network. NW Plus CU deposits the funds up to 2 calendar days prior to the settlement date when funds are received.

We reserve the right to reverse a deposit if the settlement does not occur or if there is any error or omission found in the transmitted data.

Quicken^® Integration

Quicken^® users can download all of their transactions directly into Quicken^®.

Zelle^®

Send and receive money with Zelle^® in minutes, right from the NW Plus CU mobile app.

ITIN financial services

Members with an ITIN are eligible to apply for savings accounts, checking accounts, auto loans and personal loans.

View ITIN Accounts

View ITIN Lending

Estate Planning

NW Plus Credit Union helps you achieve your goals at every stage of your financial journey. That’s why we’ve partnered with Legal Karma to provide access to affordable and simple estate planning you can complete at your own pace, from wherever you might be. You can create wills, trusts, powers of attorney, and more.

Learn More

Rewards Checking  

Earn rewards by using your checking account. 

You can earn cash back on your debit card purchases with a Kasasa Cash Back account, or qualify for high dividends with a Kasasa Cash account. 

Compare Accounts

ATM Fee Refund 

Enjoy refunds on ATM withdrawal fees, nationwide with our Kasasa Checking^® accounts and still enjoy access to surcharge-free ATMs.* 

You will receive reimbursements up to $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified. These will be credited to your account on the first business day of the next statement cycle. See our checking account comparison page for the complete Kasasa Checking accounts disclosure.

TruStage™ Insurance

You may be paying too much for auto insurance.

You work hard for your money and even harder to keep your budget on track. So why spend too much on auto insurance—maybe hundreds of dollars too much?

How much could I save?

Northwest Plus Credit Union members may qualify for discounts on auto insurance through the TruStage™ Auto & Home Insurance Program. You could save big, and it could be simple to switch carriers—without losing any money.

What are the advantages?

TruStage offers a powerful mix of savings and popular, member-friendly benefits:

• Savings for credit union members
• Access to nationally recognized companies
• Friendly service with extended hours

Get a free quote today. Don’t wait to see how much you could save.

Get a Quote

Auto and Home Insurance Products are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. © TruStage

AUT-2948356.4-0824-0926

Scholarship+

The 2025-2026 Scholarship+ application period has closed

Congratulations:

Joanna S.

Jaxsun Z.

Emily H.

Jon H.

Stephanie B.

Galen H.

Haley G.

Sophia S.

The annual scholarship opportunity from your hometown credit union.

Apply Today

Are you excited to take the next step in your education or career? The 2025-2026 Scholarship+ application window is now open, and we’re excited to help you unlock your future! Whether you're a 2026 high school graduate, a college student continuing your studies, or looking to upgrade your job skills, this scholarship is for you.

Who Can Apply?

We believe that education should be accessible to everyone, no matter where you are on your journey. Scholarship+ is open to every NW Plus CU member in good standing for at least 60 days prior to application, including:

• Traditional High School Graduates: Take the next step on your education journey with financial support.
• Current College Students: Keep your momentum going and continue your education.
• Non-Traditional Students: Whether you’re returning to school, changing careers, or seeking additional training, this scholarship is designed with all members in mind. 

How to Apply?

Follow these steps to get started:

1. Fill out the application: It only takes a few minutes to provide some basic information.
2. Submit your supporting documents: We’ll ask for things like transcripts, essays, and a personal statement. See more details on the PDF application.
3. Apply before the deadline: Get your application submitted by March 14, 2025 to be eligible.

Opportunities for All

NW Plus CU believes in investing in our communities, and in our members. Whether you're pursuing a degree, a trade certification, or continued career training, this scholarship has you covered. Use Scholarship+ towards tuition, books, and other educational expenses.

Don't Miss Out!

Apply today and start your journey toward a brighter future!

Get Application

Skip A Pay

Take a break from the payment on your qualified NW Plus CU loan. Members in good standing who have completed at least 6 payments can apply to advance their loan payment date by one month, with the NW Plus CU Skip-A-Pay program. Handy for holidays, vacations, and any 'life happens' moments NW Plus CU wants to give you the flexibility you need from our lending products. 

Skip-A-Pay

How it works

Apply to skip a payment with this form. When you skip a payment on your qualified loan, your current due date will be advanced one month forward, just as if you had paid your monthly payment. Interest will continue to accrue on your loan during the skipped payment period and your loan maturity date will extend an additional month to account for the skipped payment month. All terms and conditions will remain the same and you'll resume your next regular payment on its regularly scheduled date!

Submitting your request

Submit your request at least one week before your payment is due: 

Email completed application to [email protected] 

Email

Print completed application, and mail to: 

NW Plus Credit Union

Attn: Skip Pay Dept

2821 Hewitt Ave

Everett, WA 98201

Or drop your completed application off at any of our 6 branch locations!

Eligibility

• You must be in good standing (not delinquent or have a negative balance) on any accounts, including those you may be a co-signer on. Any currently delinquent loan or a loan which has been previously delinquent may be ineligible.
• The loan must be current or in a grace period. This includes any you may be a co-signer on.
• You must have completed six (6) payments on the loan prior to the skipped payment.
• Loan balance must be greater than $500
• Loan has not been skipped more than 7 times during life of loan
• Loan has not yet been skipped this calendar year
• Other restrictions may apply

Qualified Loan Skip-A-Pay Loan Types

• New or used auto loans
• Motorcycle/ATV/personal watercraft loans
• Recreational Vehicles
• Signature loans

The following NW Plus CU loan types are not eligible for the Skip-A-Pay program: lines of credit, Visa credit cards, OD repayments loans, Home Improvement loans and real estate loans.

Is there a Fee?

Once approved and processed, a $40 processing fee will be deducted from your primary NW Plus CU savings account. It is the member's responsibility to ensure the fee is available at the time of processing or the Skip-A-Pay will not be approved.

How will I know my application has been approved?

You'll receive confirmation via email, which will include your next payment due date. We also recommend that you check your loan account online or via your monthly statement to ensure your new Skip-A-Pay due date is correct.

Important notes

• If your loan payment is set up via transfer within your NW Plus Online Banking or by you from another financial institution (ex: re-occurring bill pay), it is your responsibility to pause or reschedule payments. We are unable to reverse any payment you have set up that was not stopped for the chosen month. If you're unsure of how your payment is set up, contact us at: 425.297.1000.
• If your loan payment is made via Direct Deposit or Payroll Deduction, the payment will be credited to your savings account as it is received.
• Each member is allowed to skip a monthly payment one time per year per eligible loan; maximum 7 times during the life of a loan.
• Please allow a minimum of one week for us to process your request.
• If you have GAP on your loan, participating in Skip-A-Pay could have an adverse effect on your benefits if a claim is filed.

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