Welcome to STCU.

As of Monday, June 27, Banner Bank branches in Colville, Chewelah, and Kettle Falls, Wash., and Hayden, Idaho, are open as STCU locations.

We are thrilled to join your communities and look forward to getting to know you!

You should have received everything you need for a successful conversion, including your debit card(s) and member number and account number(s).

Read the comprehensive conversion guides for personal (PDF) and business (PDF) members.

Online banking registration.

Along with some personal identification information, you will need to reference the account information letter we sent you the week of June 13.

Mobile app: Once you have completed your registration, download the STCU mobile app.

Please note that following conversion, you will have view-only access to Banner Bank billpay for 30 days, and Banner Bank online banking for 90 days. Save any online account history, statement copies, and transaction images that you may need for your records. Full access to Banner online banking ended at 5 p.m. on Friday, June 24.

Debit cards

You will receive your STCU debit card and activation instructions in the mail approximately one week before conversion. Once activated, your card will work at 4 p.m. on Friday, June 24. Please do not dispose of your Banner debit card until your new STCU card is ready for use.

Personal debit card activation.

You have three options to activate your debit card:

• For the most efficient way to activate, go to stcu.org/activate.
• You can also call (866) 762-0558 from your primary phone number.
• or use the PIN shown on the mailer to activate the card by making a purchase — or checking your balance at an ATM — starting at 4 p.m. on June 24.

If you choose one of the first two options, you can ignore the PIN mailer. You can also change your PIN anytime at stcu.org/activate or by calling (866) 762-0558.

Business debit card activation.

You have two options to activate your business debit card:

• Call (866) 762-0558 from your primary phone number. Please have the tax identification number associated with your business available.
• Use the PIN shown on the mailer to activate the card by making a purchase — or checking your balance at an ATM — starting at 4 p.m. on June 24.

Accounts and services.

What is my account number at STCU?

At STCU, you’ll be assigned a six-digit member number, with individual 10-digit account numbers for separate checking, savings, certificate, and IRA accounts. You’ll receive these numbers in the mail, approximately a week before your move to STCU.

How long will I be able to perform transactions with my Banner Bank deposit accounts?

Transactions can be performed with your Banner deposit accounts until 4 p.m. on Friday, June 24. Your new STCU debit card will be available for use immediately.

STCU checks.

Please order personal checks in STCU online banking, or contact us to request a complimentary box. Businesses will receive a discount on their first order. To receive your special rate when ordering online, use the promo codes STCU2022 (personal) and STCUBIZ2022 (business). If you would prefer to order checks through another company at full price, you will need your new, 10-digit STCU account number and STCU’s routing number (325182700). 

What will happen to my direct deposits (paychecks, retirement, Social Security, etc.)?

STCU will be honoring existing incoming automated clearing house (ACH) deposits for the first 60 days following conversion. That will give you time to contact the depositors and give them STCU’s routing number and the appropriate new, 10-digit account number.

What will happen to my automatic payments?

STCU will also honor existing outgoing ACH payments for the first 60 days following conversion. Again, the 60-day timeframe will give you time to contact payees with your new information. If you pay bills with your debit card, you will need to give payees your new debit card number immediately.

Zelle^® access.

STCU does not offer Zelle^®. However, you may still use this service with your STCU accounts by downloading the Zelle app in the App Store or Google Play. Access to Zelle in Banner online banking will end after 12:00 p.m. on Friday, June 24. Scheduled transactions will be processed through June 23. Payments unclaimed after June 24, and payments scheduled after June 24, will be cancelled.

I have a loan with Banner—will it transition to STCU?

No. Personal and business loans will stay with Banner. Your Banner banker will reach out to you soon to share specific details as associated deposit accounts may also be staying with Banner bank.

Overdraft protection.

At STCU, you will see some changes from both your personal and/or business overdraft protection at Banner Bank. The changes outlined below may affect debit card authorizations in certain overdraft scenarios. For more information, please refer to the overdraft protection section of the “next steps” guide. Or, visit stcu.org/overdraftprotection.

What will happen to my internal transfers?

Internal transfers will not be converted. If you had a recurring transfer between Banner deposit accounts, you can reestablish it at STCU in online banking, at a branch, or by calling us after conversion.

What about telephone banking?

You’ll be able to check balances, transfer funds, report a lost or stolen card, and more with STCU telephone banking.

Can a local credit union provide 24/7 access to my accounts, even when I’m out of town?

When it’s not convenient to visit an STCU branch location, you may access your accounts at thousands of surcharge-free ATMs nationwide. STCU also has a robust mobile app, online banking, and local contact center, so you’ll always have a way to make transactions and check your account balances from anywhere. We have members living in all 50 states, and abroad.

I have FDIC Insurance coverage on my deposits today. Will that change when I’m with STCU?

STCU accounts are federally insured by NCUA with up to $250,000 covered, which is the same as FDIC coverage. This coverage will automatically be in place when your deposits transition to STCU.

Read more about NCUA coverage.

Read the "You're insured funds" NCUA brochure (PDF).

Read a chart comparing NCUA and FDIC coverage (PDF).

General information.

Why did Banner Bank choose to transfer their branches and related accounts to STCU?

Primarily, client convenience and overall presence in Stevens and Kootenai Counties. STCU already serves members from these two counties and has a strong interest in increasing its presence and service capabilities, so it was a natural fit.

What will happen to my favorite Banner employees?

Banner Bank employees are highly skilled professionals, and it is STCU’s intention to offer positions to all Banner employees. Specifics about those opportunities will be discussed directly with each team member.

I’m already an STCU member. What should I expect?

If you are an existing STCU member, you’ll receive an additional STCU member number for your Banner Bank accounts. If, after the conversion, you’d like to combine your member numbers, please call us at (888) 782-8669.

STCU.

Isn’t STCU just for teachers?

We were founded by teachers in 1934, but our membership now is open to nearly anyone in Washington or North Idaho, and others who meet certain qualifications. And we’ve been named the region’s favorite credit union for 16 consecutive years. Read more about membership.

Who owns STCU?

As a not-for-profit cooperative, we’re owned by our members. Our headquarters is located in Spokane, Wash. Read about the credit union difference.

Is there a fee for joining STCU?

We’re waiving our membership fee for Banner clients.

Is STCU here for good?

As a matter of fact, we are. STCU is increasing its commitment to the community, through both brick-and-mortar and digital expansion.

Contact us.

Call our dedicated conversion phone line during regular business hours, Monday – Friday, at (888) 782-8669.