Knowledge Hub

Knowledge Hub

Below are a series of frequently-asked questions and their respective answers. Click on a question you may have to display its answer.

Banking, Cards, & Virtual Branch

What is the difference between a credit union and a bank?

Banks are for-profit financial corporations that conduct business to maximize the price of their stock and profit for their stockholders. Credit unions are not-for-profit financial cooperatives that conduct business for the mutual benefit and general welfare of their member owners.

What is Norfolk Credit Union’s routing (ABA) number?

2113 84 861

What is my member number?

You qualify for membership if you live, work, or worship in the communities of Norfolk, Franklin, Wrentham, Bellingham, Millis, Medway, Foxborough, Medfield, Plainville or Walpole.

Once you become a member of the Credit Union, you can pass the benefits of membership to your family and relatives.

  • If you change jobs and leave NCFCU’s filed of membership, you may continue to enjoy the benefits of being a member.  Just maintain the $10.00 minimum balance in your share account.
What do I need to open an account?

When opening an account you will need to come into our office.  You should bring your valid identification and a deposit for your new account.

Do you have an ATM machine?

We have the only drive up ATM machine in Norfolk for your convenience.

Members can also utilize ATMs within the NYCE or MasterCard networks:

What are the limits on your ATM/Debit cards?

We have a daily ATM limit of $300.00 per day and a point of sale (POS) with a merchant limit of $500.00 per day.

What do I do if my ATM/Debit Card is lost or stolen?

If your ATM/Debit Card has been lost or stolen during business hours, please call us at 508-528-3360 for immediate assistance. If your card has been lost or stolen after hours, please call 866-513-4172 for assistance.

How can I place a stop payment on a check?

You can place a stop payment on a check by contacting or visiting our office, please note that there is a fee assessed for each stop payment order.

I am completing a direct deposit form. Which number do I put down as my account number?

Our processor uses a six (6) digit account number so we ask that you lead with zeros (0) to make your account the six (6) digits. For further assistance please call us at 508-528-3360.

Do you accept wire transfers?

Yes, please call our office at (508) 528-3360 for our wiring instructions.

How do I sign up for E-Statements?

You can call our office and we will set it up for you.  You will get an email when your statement is ready for viewing. Then when you access Virtual Branch you can get copies of your statements.

How can I check my balance without coming into the office?

We are pleased to help you manage your money at your convenience. Members may check their balance at home using Virtual Branch. Virtual Branch allows you a secure, convenient way to monitor your account and make transactions.  You can access your accounts over the internet in real time, anytime, free of charge.

What if I can’t log into Virtual Branch?

During regular business hours call the credit union at (508) 528-3360 and we will help you.  Please note that at close of business Virtual Branch may be down (all *****) as we process our end of day reports.

What if there are all *********** when I use Virtual Branch?

If it is during our normal business hours please call the credit union at (508) 528-3360 to report the situation.  This is not a problem with your account but a system wide problem.  Please note that at close of business Virtual Branch will show ************ as we process our end of day reports.


I am not currently employed, but I do have some income coming in. Can I get a loan?

All claimed income will be considered when you apply for a loan. This income may include social security, pensions, public assistance, etc.

My credit may not be very good. What options do I have when applying for a loan?

If you suspect your credit may not be very good, you can try to improve your score by paying down debts such as credit card balances, avoiding making unnecessary credit report inquiries which may drive down your score, or by completing a Credit Builder Loan

What documents do I need to bring in when applying for a loan?

When applying for a loan, you will need to provide proof of identity, such as a driver’s license. When finalizing your loan, your loan officer will provide you with a list of any other documents you may need to provide in order to have the loan disbursed.

Are rates different for new and used car loans?

We have two sets of rates: one for new cars and used cars. Your exact rate will be determined by your credit score and collateral.

How old of a vehicle will you finance?

Whether or not we finance a vehicle depends upon the value of the vehicle. Since this will be different for each vehicle, we recommend you call us at

(508) 528-3360 or visit a branch for a more personalized answer.

Do I need to pick out a car first before I can apply for a loan?

You do not need to have a particular vehicle picked out in order to apply for pre-approval.

What will my rate be?

Depending upon the type of loan you select, your exact rate may be determined by your credit score and collateral.

Why can’t you disclose the rate on the loan now, rather than after applying?

Since your exact rate will be determined by your credit score and collateral, we cannot determine the rate without pulling your credit report. Your credit report cannot be pulled unless you apply for a loan with us and provide us with permission to look at this information.

What will my payment be?

Your monthly payment amount will depend upon the amount of your loan, the exact interest rate you qualify for, and the term length of the loan.

Can I make loan payments online?

Yes, you can make loan payments online.

Are there penalties if I want to pay extra or pay off my loan early?

There are no pre-payment penalties for any NCFCU consumer loan. You can pay extra or pay off your loan early with no penalties.

What time of the month are payments due? Can I pick a time?

Generally, your first payment will be due 30 days after your loan is disbursed. Your payments will always be due on the same day of each month. If you would like to have your payments due on a particular day of the month, please inform your loan originator so he/she can attempt to schedule that for you. We cannot guarantee that your payment due date will be exactly what you request, but we will work with you to try and make that happen.

How long does it take to get my coupon book after I close my loan?

You should receive your coupon book within 30 days or before your first payment is due.

What if I lose my coupon book? Can I get another one?

Yes, just call (508) 528-3360 to request a new coupon book.

Can my parents/spouse/friends come into a branch and make a payment for me?

Yes, someone else can make a payment on your behalf.

Can I pay my loan using an account at a different bank/credit union?

Yes, you just need your account number (using six (6) digits), our routing and transit number 2113 84 861, and our address-18 Union Street, Suite 014, Norfolk MA 02056 incase they send us paper checks.

Can I pay my MasterCard online?

Yes, on our site under Online Services click AccessPoint, there you can access your current/previous statements, see pending authorizations, and make payments.

How do I get my free annual credit report?

You can get a free report from each of the three nationwide consumer reporting companies every 12 months as a result of an amendment to the Fair Credit Reporting Act. Visit or call (877) 322-8228 to obtain a copy. Please note that is the ONLY authorized online source for you to receive a free credit report under federal law. will NEVER send you an email solicitation for your free annual credit report or use pop-up ads. If you paid for what you thought was your free annual credit report, go to and click “File a Complaint” on the menu.

What do I do if I lost my MasterCard credit card?

If your Mastercard credit card has been lost or stolen during business hours, please call us at (508) 528-3360 for immediate assistance. If your card has been lost or stolen after hours, please call (866) 820-4846 for assistance.

Do I need to be a member to get a loan?

Yes, you do need to be a member in order to obtain a loan, however, you don’t need to be a member in order to apply. We can sign you up for membership when you finalize your loan. 

Do you offer business accounts?

We offer Doing Business As (DBA) accounts.  These accounts use your social security number.  We will need to make a copy of your certificate signed by the Town Clerk where the business is registered.