Online Banking

Delivering Financial Services to Communities Across Northern Minnesota


  • FREE service to all Members
  • Mobile Friendly
  • E-Statement Opt in and Opt out available
  • Transfer Funds between your Share, Draft, and Loan Accounts
  • Request a Cashier’s Check to be mailed out to yourself
  • View Balances on Draft, Share, and Loan Accounts
  • View and print images of cleared checks


Online Banking Questions and Answers

Q.) How Secure is online banking at the Cook Area Credit Union?
A.) Naturally security is a significant concern to Internet users. Cook Area Credit Union is connected to the Internet in a way that keeps all the credit union's internal systems and member information away from prying eyes. We have used every precaution to protect your accounts. Every bit of information sent or received is encrypted, making it unreadable during transmission. We also have a firewall protecting the credit union's host computer. In addition to the systematic precautions that we have taken to ensure information security, your Cook Area Credit Union password ensures that you are the only authorized user with access to your account information. Be sure to change your password every six months or so to ensure its integrity. Keep your password in a secured place and don't reveal it to anyone. No one at the Cook Area Credit Union will ever ask for your password.


Q.) How do I sign up?

A.) Signing up is very easy! Go to our main page and click on Member Login. Once you are in the Login screen click on New User. Fill out the information accordingly. Information must match with your member profile at the Credit Union. If it does not work for you, this means you need to call your MSR and update your information on file. 218-666-5940

Q.) Can I transfer from my account to my spouse's account?

A.) You can transfer to any account you are joint on. If you do not see the account listed please call your MSR at 218-666-5940 to set up the external account transfer option.

Q.) Is there a fee to use online banking at the Cook Area Credit Union?
A.) There is no fee to use Cook Area Credit Union online banking!


Q.) What type of browser do I need to access the site?
A.) It is recommended to use the latest version of your current browser.


Q.) How do I get a new password if I forgot mine?
A.)If you forgot your password, click forgot password on the log in page, and a temporary password will be sent to your email listed on file. If this does not work, call us to verify all of your information on file is correct.


Q.) Do I need to install any special home banking software?
A.) No, all you need is a PC and an internet service provider. If you currently have internet access you will be able to access your accounts on our Internet web site.


Q.) Can I access my account on my mobile device?

A.) Yes! from your mobile device go to your internet/safari browser and go to our website, choose option mobile banking. Once you are at the sign in page, click on the arrow at bottom of your mobile screen and save to your home page to create a shortcut to your online banking. From there sign on as usual.


Additional Questions - Contact Us by Email or Call 218-666-5940

Office Hours Monday - Thursday 9 a.m. - 5 p.m. Friday 9:00 a.m. - 6:00 p.m. Drive Thru Hours Monday - Thursday 8:30 a.m. - 5:00 p.m. Friday 8:30 a.m. - 6:00 p.m.

North Woods Money Cave Branch Hours  Wednesdays 8:00 a.m.-1:00 p.m. (closed during school breaks)