Membership Benefits
As a member of NW Plus CU, you can expect more. While we offer a full range of banking products and services, we also offer plenty of benefits at no cost. All of these benefits are part of our commitment to the local community and your success.
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
Online and Mobile Banking
Manage your finances whenever and wherever you want to, securely and conveniently with a suite of digital tools. Sign up for and view eStatements, manage your debit card, and so much more.
NW Plus CU Digital Banking:
- Secure and convenient
- Mobile and online access
- Send money with Zelle® for free
- Get organized fast with Bill Pay
- and more!
See More Features Enroll Today
Get the NW Plus CU Mobile App
Data charges may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc.
eStatements
Don't Pay for Paper - Set Up eStatements Today
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
Get Important Notices Faster
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.
Shared Branches and ATMs
CO-OP Shared Branch Network
Access your NW Plus CU accounts nationwide through the CO-OP network, with 35,000+ surcharge-free ATMs and 5,550+ Shared Branches.
Use credit union services as if at your local NW Plus branch, including 2,000+ 24/7 self-service locations and participating 7-Eleven stores across the US, Puerto Rico, Guam, and military bases.
Transactions You Can Do:
- Deposits & withdrawals
- Loan payments
- Transfer between accounts
- And more
Documents You'll Need:
- Your credit union's name (NW Plus CU)
- Your account number
- Valid government-issued photo ID
Shared Branch & ATM Locator
Find the CO-OP location nearest you:
- Online locator by zip code, address, or city
- Text your Zip Code to "91989"
- Call 888-837-6500 for live personal assistance
*Surcharge-free transactions are available for debit and ATM card holders of participating credit unions
Debit Cards
Designed for Your Convenience
Make your NW Plus CU debit card work for you when you pair it with a Kasasa Cash Back or Kasasa Cash checking account, and start earning rewards.
Other benefits of a NW Plus debit card include:
- Debit Card Roundup
- Visa® zero fraud liability protection
- Fraud monitoring protection
- Manage your card in the NW Plus CU mobile app
- Add your card to your favorite digital wallet
Free Credit Monitoring
Free Credit Score Monitoring with Credit Sense
NW Plus CU partners with Credit Sense to provide members access to free credit score and credit report monitoring.
Credit Sense retrieves your TransUnion credit profile, showing open loans, accounts, inquiries, payment history, credit utilization, and other information that may affect your credit. Checking Credit Sense is a “soft inquiry” and won’t affect your score.
Monitoring your credit lets you:
- Understand the Factors Impacting Your Score
- Credit Score Simulator to see how decisions may affect your score
- Stay up-to-date on your credit report for any signs of suspicious activity or errors
Enroll in online banking to access Credit Sense. Once you sign up, you’ll get an updated credit report monthly!
Early Pay
Direct Deposits Up to Two Days Early
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.
Don’t have a free NW Plus CU checking account?
*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
Download All of Your Transactions Directly into Quicken®
NW Plus CU offers Direct Connect, Web Connect, and Express Web Connect integration to download your account information directly into Quicken®.
- No manual data entry
- Automatically reconcile data
- No duplicate transactions
- Automatic account setup with Web Connect
Zelle®
Send and receive money with Zelle®
We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know. With Zelle®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.
- Send and receive money easily
- Free and simple to use
- No third-party app needed
1 To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
Copyright © 2026 . All rights reserved. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
ITIN financial services
Opportunities for All
At NW Plus, we believe everyone deserves financial success. That is why as a Juntos Avanzamos-accredited credit union, we are proud to provide financial services to members with an ITIN (Individual Taxpayer Identification Number). Members with an ITIN are eligible to apply for savings accounts, checking accounts, auto loans and personal loans.
Learn About ITIN Accounts See 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.
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.
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
Looking for reliable insurance options designed to be simple?
Insurance should be an important part of a solid financial plan. The key is finding coverage that fits your needs from someone you can trust. The right insurance could help give you peace of mind today.
Backed by more than 80 years of working with credit unions and their members, TruStage™ is here to help protect what matters most.
Get an instant, no-obligation quote or explore your coverage options today!
Get Started with TruStage Learn More
TruStage™ Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, and MEMBERS Life Insurance Company. Auto and Home Insurance Program 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. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. © TruStage
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Scholarship+
Education for All
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:
- Recent 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.
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.
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]
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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