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Learn more about our convenient Digital Banking Services

  • Online Banking
  • Mobile Banking
  • Remote Xpress Deposit
  • Digital Wallet
  • Electronic Bill Pay
  • External Transfers
  • PAM (Personal Automated-Teller Machine) Voice Response

Online Banking

Access your NCFCU accounts 24/7/365!

Our online banking platform allows you to:

  • Manage and transfer your money
  • Check transactions
  • Receive e-statements
  • eStatements
  • Make a Credit Card or loan payment
  • Lock or unlock your NCFCU card

Mobile Banking

Your NCFCU account is in the palm of your hands! Download our mobile app for your smart phone or tablet for access to your account from home and on the road.

Access your accounts 24/7 with the NCFCU mobile app available for Apple and Android users.

  • Check balances and transfer funds
  • Deposit Checks *
  • View cleared checks
  • View eStatements
  • Send and receive money from other Financial Institutions
  • Save Money with BillShark & Lemonade

*Must qualify for service

Digital Wallet

You can make purchases with contactless payment technology in a simple, secure and convenient way. NCFCU is proud to offer Apple Pay® and Google Pay™ support.


Let BILLSHARK® Lower Your Bills! The bill negotiating experts can typically lower your bill 85% of the time. Download the NCFCU mobile app to get started.

How it works:

  • Submit a billUse your smart phone’s camera to take a picture of your bill or to upload a screenshot.
  • BILLSHARK® negotiates for youThe BILLSHARK® experts deal with the hassle of negotiating directly with your provider.
  • Split the savings. You only pay BILLSHARK® if they save you money. BILLSHARK® takes 40% of the savings for their hard work.

Get an instant Home Owner’s or Renter’s Insurance quote right in the NCFCU Mobile App with Lemonade.

  • Get a quote in a few taps
    • We’ll confirm your information and get you a quote in seconds right in the app. Like the quote? Take out your policy right here too.
  • Unconflicted claims
    • Unlike any other insurance company, Lemonade gains nothing by delaying or denying claims (you pay a flat fee), so they handle and pay as much claims instantly as possible.
  • Feel good doing it
    • In addition to protecting yourself, as a Public Benefit Corporation and certified B-Corp, Lemonade Inc. donates unclaimed premiums to great causes.

Remote Xpress Deposit

Remote Xpress Deposit is a free, secure, mobile service allowing you to deposit checks into your eligible NCFCU account from any location using your tablet or smart phone’s camera. You can deposit a check into your NCFCU account by submitting a picture of the front and back of the check.

How To Use Remote Xpress Deposit:

  1. Open the NCFCU App
  2. Log In
  3. Tap the = in the top left-hand corner and select Deposit a Check
  4. Read and accept the terms
  5. Endorse by signing followed by “For Remote Deposit Only – NCFCU”
  6. Select photos, accept camera access and follow the prompts
  7. Select the account you want the check deposited in and the amount of the check
  8. Click Deposit
A smiling young woman takes a picture with her smart phone of a check or paycheck for digital electronic depositing, also known as "Remote Deposit Capture".  She sits in a coffee shop, enjoying an espresso latte.  Bright sunlight shines in the window.  Horizontal image.

Electronic Bill Pay

NCFCU members who have a Share Draft/Checking account and Internet access can sign-up for Electronic Bill Payment (EBP). EBP makes it easy and convenient to pay bills. Once you register through Online Banking, it’s quick and easy to schedule one-time or reoccurring payments, transfer money between institutions, and even receive payment reminders via email or text message.

External Transfers

Online banking allows you to easily connect with an external account at a different financial institution. You can then make inbound and outbound transfers between this account and your NCFCU account to manage all your finances easily whenever needed.

PAM (Personal Automated-Teller Machine)Voice Response

When you need to take advantage of every hour in your busy day, but are not able to visit one of our branches, PAM leads you step by step to perform a wide variety of transactions.

To utilize this service, call (717) 774-5731 (local) or (800) 706-2328.

With PAM Voice Response you can:

  • Verify account balances
  • Verify loan balances
  • Confirm account transactions
  • Transfer funds within your account
  • Perform a check search
  • Check loan rates
  • Check share, club account, IRA and certificate rates
  • Verify deposits and withdrawals
  • Check year-to-date dividend and interest totals
  • Make line-of-credit advances by check
  • Request information
  • And so much more!