We're Here for You

Have a question or a comment? We're listening! Reach out to our Contact Center or branch representative any way that's convenient for you.

Phone: call toll-free (800) 879-9697

Mon, Wed, Thu, Fri: 9AM-6PM ET (8AM-5PM CT)
Tuesdays: 10AM-6PM ET (9AM-5PM CT)
Saturdays: 9AM-12PM ET (8AM-11AM CT)

Email: [email protected]

Online: Send a secure message in It'sMe247 Online Banking

Request info about a product, service or other item: click here for web form

Visit a branch: find the nearest location to you


For quick information about convenient everyday services, select from the menu items below. We've got you covered!


Lost or Stolen Card Information

If your Service 1 FCU debit or credit card has been lost or stolen, please notify us immediately at (231) 739.5068 during regular business hours. Outside of business hours and on weekends, dial (866) 333.4740.

Visit our Security Center to find out what to do if your wallet has been lost or stolen.

CU* TALK Telephone Banking

Access your account anytime, day or night, using this convenient and easy-to-use system! To activate CU*Talk, contact our Member Service Center at (800) 879-9697.

Accessing your account is easy:

  1. Dial toll-free (866) 398-1930
  2. Choose your language preference: press "1" for English, select "2" for Spanish
  3. Enter your Service 1 FCU account number, then press the "#" sign
  4. Enter your PIN,* then press the "#" sign

1 — Account inquiries, including balances and history

2 — Perform financial transactions, including transfers within your account

3 — Hear current Service 1 FCU rates or calculate estimated loan payments

4 — Change your PIN

5 — Change to a different member number

6 — Other Service 1 FCU services, including locations and hours

8 — Repeat this menu

9 — End the call

0 — Hear the tutorial

(press * when done with the tutorial to hear the menu again)

*Your PIN will be assigned to you upon activation by a Member Service Representative. It's recommended that you change your PIN upon initial access to CU*Talk; you're encouraged to change it frequently to reduce the likelihood of fraud attempts. If you forget your PIN, please contact the Member Service Center.

Text Banking

Text Banking is free* for all Service 1 FCU account holders. The following are text banking command examples and their responses. You can also access a list of these commands via a link in online banking during the Text Banking enrollment process. These commands can be sent to IM247 (46247).

Text Command What it Does
BAL Balance for all eligible accounts
BAL 000 Balance for Regular Savings
BAL 001 or 002 Balance for Checking
BAL 011 or 012 Balance for Special Savings
BAL 020 Balance for Christmas Club
BAL 025 Balance for Vacation Club
BAL 860 or 870 Balance for Visa Credit
STOP Turns off all text banking
HELP The Member Service number

Get Started

Enroll in Text Banking using the mobile app "More" tab, or in It'sMe247 Online Banking under “Go Mobile” and select Text Banking to access the enrollment screens. After enrollment, text commands to IM247 (46247). For assistance with Text Banking enrollment, view the helpful video tutorial below.

One-Way Text Alerts

You can set up one-way text alerts via the e-Alert Subscriptions page, and create alerts similar to your standard e-Alerts:

  • Account Balance
  • Notification of an ACH Deposit or Withdrawal
  • Notification that a Loan Payment is due
  • E-statement notification

*Wireless carrier data rates may apply.


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