Frequently Asked Questions
Select a Topic Below
Account Information
Are my family members eligible to join National Police Federal Credit Union?
Yes, in addition to qualifying law enforcement and first responder members, immediate family members are also eligible to join.
Yes, in addition to qualifying law enforcement and first responder members, immediate family members are also eligible to join.
What is your routing number?
Our routing number is 271078146.
Our routing number is 271078146.
Where can I find the Co-Op Shared Branch information?
You can access thousands of CO-OP Shared Branches and ATMS nationwide. Check out our Locations (add link) page, where you can search by address, ZIP code, or city.
You can access thousands of CO-OP Shared Branches and ATMS nationwide. Check out our Locations (add link) page, where you can search by address, ZIP code, or city.
Where are your branches located?
National Police currently has branch locations in:
National Police currently has branch locations in:
- Headquarters – Chicago, IL
- South Branch – Chicago, IL
- North Branch – Chicago, IL
- Midway Branch – Chicago, IL
- Akron Branch – Akron, OH
You can also access your accounts nationwide through participating CO-OP Shared Branch locations and ATMs.
What are your hours?
Monday-Friday 9 am- 5 pm with Video Teller/ITM service available at 8 am. 24-hour ATM access available.
Monday-Friday 9 am- 5 pm with Video Teller/ITM service available at 8 am. 24-hour ATM access available.
What holidays are you closed?
National Police branches are closed on weekends and observe all federal holidays.
National Police branches are closed on weekends and observe all federal holidays.
Do you carry or sell savings bonds?
No, savings bonds must be purchased through the Treasury Direct website.
No, savings bonds must be purchased through the Treasury Direct website.
What should I do if a member passes away?
A spouse, joint owner, beneficiary, or other authorized individual should notify the credit union. An original death certificate, full trust agreement (if the account is in a trust) and/or small estate affidavit (if applicable) is required.
A spouse, joint owner, beneficiary, or other authorized individual should notify the credit union. An original death certificate, full trust agreement (if the account is in a trust) and/or small estate affidavit (if applicable) is required.
What if a member is called to active duty?
The member automatically qualifies for a reduction in their loan and/or credit card interest rate and deferment of monthly payment (if applicable).
The member automatically qualifies for a reduction in their loan and/or credit card interest rate and deferment of monthly payment (if applicable).
What happens when a member returns from active duty?
The member’s reduction in their loan and/or credit card interest rate and deferment of monthly payment (if applicable) is reinstated to its original terms and conditions. The member must notify the credit union contacting us. The member and/or Power of Attorney (proper documentation required) must provide the member’s military orders for each year and each successive year to follow (if applicable).
The member’s reduction in their loan and/or credit card interest rate and deferment of monthly payment (if applicable) is reinstated to its original terms and conditions. The member must notify the credit union contacting us. The member and/or Power of Attorney (proper documentation required) must provide the member’s military orders for each year and each successive year to follow (if applicable).
Loans
How do I know if my online loan application was approved?
To check the status of your loan application, please contact us via our Live Chat.
To check the status of your loan application, please contact us via our Live Chat.
How do I pay off my loan?
To pay off your loan, you can chat receive your full payoff amount and pay via cash, check or wire transfer, or you can log in to Online Banking and transfer the payoff amount from your internal account or make a One Time Loan Payment.
To pay off your loan, you can chat receive your full payoff amount and pay via cash, check or wire transfer, or you can log in to Online Banking and transfer the payoff amount from your internal account or make a One Time Loan Payment.
I paid off my auto loan, when should I expect to receive the title?
The lien-free title will be released 10 business days after the payoff date.
The lien-free title will be released 10 business days after the payoff date.
What is Debt Protection and how does it work?
Life and Disability Debt Protection allows you to safeguard your loan in times of uncertainty. With Debt Protection, your loan balance or monthly loan payments will be canceled without penalty or added interest in the event of death or disability.
Life and Disability Debt Protection allows you to safeguard your loan in times of uncertainty. With Debt Protection, your loan balance or monthly loan payments will be canceled without penalty or added interest in the event of death or disability.
What is GAP Coverage?
GAP is designed to eliminate your unpaid net loan/lease balance in the event your vehicle is stolen or damaged beyond repair (totaled).
GAP is designed to eliminate your unpaid net loan/lease balance in the event your vehicle is stolen or damaged beyond repair (totaled).
What is Route 66 Extended Warranty Coverage?
It is the National Police Federal Credit Union’s extended warranty option for vehicles. Route 66 offers additional coverage for your vehicle.
What forms does a cosigner need to fill out?
A cosigner needs to fill out the Cosigner Packet. Please contact the Credit Union for an electronic version of this packet.
How is my Shared Secured Loan rate calculated?
Check out our Share Secured Loan page for more information.
Write Your Own Ticket®
How does Write Your Own Ticket Work?
- The financing period cannot exceed 84 months
- The member must have a credit score of 700 or above
- The amount borrowed cannot exceed $74,999.99
Take your Write Your Own Ticket check to the dealer of your choice and shop with the confidence of a cash buyer!
Your National Police Write Your Own Ticket check can be used at any licensed dealer located in the state where you will be titling the vehicle, within 60 days of issuance.
Can I use my Write Your Own Ticket (WYOT) check to purchase a pre-owned vehicle?
Yes, a Write Your Own Ticket check can be used for both New or Used vehicles.
I purchased my vehicle recently and financed it through another company. It still meets the new auto criteria. Can I use a Write Your Own Ticket (WYOT) check to refinance with the Credit Union?
No. At this time, the WYOT checks can only be made payable to a dealership, not a finance company.
What if my Write Your Ticket (WYOT) expires?
If your Write Your Own Ticket check exceeds the 60-day time period allotted, you will need to re-apply for the loan.
Can I apply for a Write Your Own Ticket (WYOT) check and purchase my car out of state?
Yes, you can complete an application online. Apply Now.
The dealership will not accept my Write Your Own Ticket (WYOT) check?
You will need to schedule an appointment and have your auto loan disbursed through our conventional method.
Account Information
How do I obtain my account/member number?
You can view your account/member number by logging into your Mobile/Online banking and going to ‘My Settings’. It will be listed at the top of the page underneath your name. If you do not have access to Mobile/Online banking, you will need to reach out to us via Live Chat between 8am – 5pm CDT.
You can view your account/member number by logging into your Mobile/Online banking and going to ‘My Settings’. It will be listed at the top of the page underneath your name. If you do not have access to Mobile/Online banking, you will need to reach out to us via Live Chat between 8am – 5pm CDT.
How do I add or update a joint owner?
To add or update a joint owner, please contact the Credit Union via Live Chat.
How does National Police Federal Credit Union use my personal information?
See our privacy disclosure notification.
How can I have my Direct Deposit sent to the Credit Union?
Setting up direct deposit is typically done through your employer. You’ll need to provide the credit union routing number, your account number, and your account type (i.e. savings or checking). If you’re depositing your salary to multiple accounts you’ll be able to specify the allocation amount or %. The Credit Union can provide an Account Verification Letter if your employer requires it.
Is there an easy way to pay my monthly loan payment or put extra money aside for something special?
Yes, you can set up a monthly transfer from your Savings or Checking account. Contact the Credit Union via Live Chat to request the Transfer Authorization Form.
How do I transfer money to another financial institution?
Please contact the Credit Union via Live Chat for an Outgoing Wire Transfer Form.
How do I transfer money into the Credit Union?
Please contact the Credit Union via Live Chat for our Incoming Wire Transfer Instructions.
Does National Police guarantee the quality of content if external websites, also known as third party links?
National Police Federal Credit Union does not endorse or guarantee third party links. The products and services offered on third party sites are not products of National Police Federal Credit Union. National Police Federal Credit Union cannot attest to the accuracy of information provided by the linked sites. Linking to a website does not constitute endorsement by National Police Federal Credit Union, or any of its employees, or the sponsors of the site or the products presented on the site. Other websites, which you may link to from the Credit Union’s site, are not bound by the National Police Federal Credit Union Website Privacy Policy.
National Police Federal Credit Union does not endorse or guarantee third party links. The products and services offered on third party sites are not products of National Police Federal Credit Union. National Police Federal Credit Union cannot attest to the accuracy of information provided by the linked sites. Linking to a website does not constitute endorsement by National Police Federal Credit Union, or any of its employees, or the sponsors of the site or the products presented on the site. Other websites, which you may link to from the Credit Union’s site, are not bound by the National Police Federal Credit Union Website Privacy Policy.
My contact information has changed. How do I update my contact information?
Please contact the Credit Union via Live Chat to request a Member Update Form.
What is National Police Federal Credit Union’s Bill Pay address?
National Police Federal Credit Union
1407 W. Washington Blvd.
Chicago, IL 60607
Online and Mobile Banking
Does National Police Federal Credit Union have a mobile app?
Yes! You can use our Mobile App to check your account balances, view your account transaction history, transfer funds between eligible accounts, pay bills on the spot, and locate an ATM.
Yes! You can use our Mobile App to check your account balances, view your account transaction history, transfer funds between eligible accounts, pay bills on the spot, and locate an ATM.
To get started with the Mobile App, please visit our Mobile App page.
Does National Police Credit Union have online banking?
Yes. For information on Online Banking features and how to register, visit our Online Banking page.
How do I sign up for Online Banking?
Get started today by entering your Member Number as your User ID.
Where do I find the Online Banking Login?
The Online Banking login is on the top right of every page of the website header.
What is a Personal Identification Number (PIN)?
A PIN is a numeric code you enter to enable a transaction at an ATM or point-of-sale terminal.
Why is my Home Banking login sending me to a Loan Application page?
The member automatically qualifies for a reduction in their loan and/or credit card interest rate and deferment of monthly payment (if applicable).
Can I make transfers between two Credit Union accounts?
Yes. Please contact the Credit Union via Live Chat for a Cross-Transfer Authorization and Disclosure Form.
Am I able to make transfers to my other bank or credit union accounts?
Yes. When you log into your National Police Online Banking, you will click on the “Move Money” tab and then “External Funds”.
What is External Loan Transfer?
External Loan Transfer allows you to pay Credit Union loans from other financial institutions.
What is Overdraft Line of Credit?
The Credit Union offers Overdraft Protection that is attached to your checking account as a line of credit at an annual percentage rate of 18%, in the event the account does not have the sufficient funds to clear a transaction.
How do I set up or adjust Overdraft Protection?
Please contact the Credit Union via Live Chat to set up or make adjustments to Overdraft Protection.
What are the common fees charged by National Police?
See a complete list of our common fees.
See a complete list of our common fees.
Can I switch over to E-Statements?
Yes. Simply log in to your account to sign up for our easy, and eco-friendly e-statements.
Yes. Simply log in to your account to sign up for our easy, and eco-friendly e-statements.
Visa® Debit Card
What is a debit card?
A debit card is like a credit card, except that it “debits” money directly from your checking account.
How do I create a new PIN for my card?
To create or change your Debit Card PIN call 866-985-2273. Outside of the U.S. call 531-262-5314.
To create or change your Debit Card PIN call 866-985-2273. Outside of the U.S. call 531-262-5314.
Can I use my Visa® Debit Card for purchases without paying interest charges?
Yes. Since the money for your purchases comes directly from your checking account, there are no interest charges.
Yes. Since the money for your purchases comes directly from your checking account, there are no interest charges.
Should I alert the Credit Union before I go out of town?
Yes, please contact the Credit Union via Live Chat for a Travel Exemption Form.
What happens if my National Police Visa® Credit Card or Debit Card is lost or stolen?
To report a lost or stolen Credit or Debit Card, please call (800) 449-7728.
To report a lost or stolen Credit or Debit Card, please call (800) 449-7728.
How can my debit card help me handle my banking needs?
Your debit card gives you 24-hour banking convenience. Simply use your card to make deposits or withdrawals, check balances, or transfer funds between accounts.
How do I make a credit card balance transfer?
Contact the Credit Union via Live Chat for a Balance Transfer Form.
Contact the Credit Union via Live Chat for a Balance Transfer Form.
How do I keep track of my purchases?
All transactions made with your debit card are listed on your monthly account statement.
Is using a Debit Card safe?
Absolutely. Whether you’re shopping on the Internet, by phone, or in person, you’ll have zero liability for unauthorized signature purchases.
Absolutely. Whether you’re shopping on the Internet, by phone, or in person, you’ll have zero liability for unauthorized signature purchases.
Where can I make purchases with my Visa Debit Card?
Your debit card can be used to make purchases at more than 25 million places that accept Visa®.
Your debit card can be used to make purchases at more than 25 million places that accept Visa®.
What do I do when the merchant says enter your PIN for a Visa® Debit Card purchase?
Tell the merchant you want to make a credit purchase and sign the receipt.
Tell the merchant you want to make a credit purchase and sign the receipt.
When I make a purchase, do I have to give the merchant personal information?
No. You may need to present identification to the merchant, however, no other personal banking information, such as your PIN or account balance, can be accessed by merchants.
No. You may need to present identification to the merchant, however, no other personal banking information, such as your PIN or account balance, can be accessed by merchants.
Can I get cash back with my purchases?
Yes, this is a convenient way to withdraw cash from your checking account when shopping, with no need to make a special trip to the ATM. Simply inquire if you can get cash back before the cashier calculates your purchase total. Many merchants will be happy to honor your request where the service is available.
Yes, this is a convenient way to withdraw cash from your checking account when shopping, with no need to make a special trip to the ATM. Simply inquire if you can get cash back before the cashier calculates your purchase total. Many merchants will be happy to honor your request where the service is available.
What other benefits will I enjoy with my Visa® Debit Card?
Your debit card can get you out of checkout lines fast because you won’t have to wait for check approvals. And every purchase will be listed on your monthly checking account statement, which can simplify your record keeping.
Your debit card can get you out of checkout lines fast because you won’t have to wait for check approvals. And every purchase will be listed on your monthly checking account statement, which can simplify your record keeping.
Can I use my Debit Card to set up recurring bill payments?
Yes. From Internet and phone charges to health club dues, more and more service providers are offering the convenience of automatic bill payments using your debit card. It ensures that your recurring bills are paid on time without the hassles of writing checks every month. And there are no interest charges since your payments are automatically deducted from your checking account. To set up recurring bill payments, simply contact providers that send you bills on a regular basis and ask if they can bill your debit card.
Yes. From Internet and phone charges to health club dues, more and more service providers are offering the convenience of automatic bill payments using your debit card. It ensures that your recurring bills are paid on time without the hassles of writing checks every month. And there are no interest charges since your payments are automatically deducted from your checking account. To set up recurring bill payments, simply contact providers that send you bills on a regular basis and ask if they can bill your debit card.
What Bill Pay options are available?
You may pay your bills using your debit card at the biller’s website. Just log onto a biller’s website, enter your debit card number, enter the amount of the bill and that’s it! You do not enter your PIN. This is referred to as a PINless payment. Utility, cable, and insurance payments are a few examples of how Pinless payments help you manage your finances the quick and easy way.
You may pay your bills using your debit card at the biller’s website. Just log onto a biller’s website, enter your debit card number, enter the amount of the bill and that’s it! You do not enter your PIN. This is referred to as a PINless payment. Utility, cable, and insurance payments are a few examples of how Pinless payments help you manage your finances the quick and easy way.
High Caliber Program
Once I’ve been accepted to the High Caliber Program, am I always a High Caliber member?
No, you must maintain the program requirements to continue in the program.
No, you must maintain the program requirements to continue in the program.
What happens if I stop using one of the products or services that qualified me for this program?
You will have six months to meet the requirements or you will no longer be enrolled in the High Caliber Program and you will lose all benefits and incentives associated with the program.
You will have six months to meet the requirements or you will no longer be enrolled in the High Caliber Program and you will lose all benefits and incentives associated with the program.
If my qualification for the program ends, do the rate discounts and incentives still apply?
If you no longer qualify and are no longer enrolled in the program, the incentives no longer apply to new products.
If you no longer qualify and are no longer enrolled in the program, the incentives no longer apply to new products.
Will two auto loans qualify towards the three products required for the High Caliber Program?
Yes.
Yes.
Will a motorcycle loan qualify as one of the three products required for the High Caliber Program?
Yes, motorcycle loans qualify.
Yes, motorcycle loans qualify.
Will three Share Certificates, Money Market, IRAs, or Savings Squad accounts count as the three products required for the High Caliber Program?
No.
No.
Will an Education IRA qualify for the High Caliber Program?
Yes.
Yes.
Will a Share IRA qualify for the High Caliber Program?
No.
No.
Does a Secured Credit Card qualify as products required for the High Caliber Program?
No.
No.
Does a mortgage with Police Mortgage qualify as a requirement for the High Caliber Program?
Yes.
Yes.
Will two mortgages count towards the three products required for the High Caliber Program?
No.
No.
Am I still eligible for the High-Caliber Program if the Debt Protection I purchased expired?
Yes, but you maintain one of the requirements in this category to fulfill the High Caliber status.
Yes, but you maintain one of the requirements in this category to fulfill the High Caliber status.
What type of service is required to qualify for the High Caliber Program with Liberty Mutual or TruStage?
You must have a current policy.
You must have a current policy.
What type of service is required to qualify for the High Caliber Program with MAF?
You must have an investment with MAF.
You must have an investment with MAF.
What does the personalized representative do for the member?
The representative assists the member with all Credit Union transactions.
The representative assists the member with all Credit Union transactions.
Does the personalized representative enter loan applications for the members in the program?
Yes.
Yes.
Does the High Caliber additional 0.25% on all Share Certificates and IRAs include the renewal of certificates?
Yes.
Yes.
Which loans are eligible for the 0.25% High Caliber reduction?
New/Used Auto Loans, Motorcycles, Share Secured, and Signature Loans.
New/Used Auto Loans, Motorcycles, Share Secured, and Signature Loans.
Are Mortgages and HELOCs eligible for the 0.25% High Caliber reduction?
No.
No.
Can a loan refinanced with a lower rate and the High Caliber reduction used on the loan?
Yes.
Yes.
Can the 0.25% High Caliber reduction for loans be combined with any other rate reduction?
No.
What If I'm a victim of wire fraud?
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Wire Fraud Alert: To protect our members from increasing incidents of wire fraud, please be aware that electronic communications such as email may be vulnerable to interception by hackers. Criminals may attempt to send fraudulent wire instructions that appear legitimate. Failure to verify wiring instructions could result in funds being sent to an unauthorized account and may not be recoverable.
Do not rely solely on emailed wiring instructions. Before sending any funds, you must independently verify the wire instructions by calling the recipient using a known and trusted phone number. Do not use phone numbers or links provided in email messages containing wiring instructions. If you receive any communication suggesting a change to wiring instructions, consider it suspicious.
National Police will never send third-party wire instructions via email.
