Frequently Asked Questions

Your credit union, loan, and savings questions answered

Find answers to commonly asked questions.


Account Basics

Member-owners share in the credit union's governance. A membership share in the amount of $5.00 must be maintained.

Accounts may have a required minimum balance in order to earn dividends or to receive benefits. Please refer to the Truth-in-Savings Disclosure and Fee Schedule for more information.


Yes, your money is secure! Accounts are Federally insured by NCUA to $250,000.

You can change your address in Prime Online or the Prime Mobile App under Settings.

Otherwise, you can complete and return the Change of Address form via email, fax (at 414.486.4597), or branch location.

Yes, order checks fast with just a few clicks with our check printing provider.

Order Checks Now

Yes, several members of our team maintain their Wisconsin Notary Public Commission. Members will visit a branch location for this free service.

Ensuring the security and protection of member assets is a top priority; therefore, Prime Financial will require a written request, along with a signature, prior to releasing account information.

Become a Member

Yes, absolutely anyone is eligible to join Prime Financial Credit Union. Join a community with over 2.5 million members across 165 Wisconsin credit unions, totaling over $27 billion in assets! Take the next steps to open your account.

Become a Member

When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may request your driver’s license and other identifying documents, such as proof of address.

Credit & Debit Cards

Using your ATM/Debit Card is a convenient, secure alternative to cash. After swiping your card, you’re left with a choice to select ‘debit’ or ‘credit’. Debit requires you to enter your PIN. The payment will be immediately withdrawn with the option to receive cash back from your checking account. Credit requires your signature. The transaction is processed through Visa’s network with additional liability protection.

This answer might require additional troubleshooting.

Potentially, your card could have been "warmed." This occurs when we are unable to verify the authenticity of suspicious transactions. Be proactive and inform Prime Financial with changes to your contact information!

If you suspect that your card has been compromised, contact Prime Financial CU locally at 414.486.4500 or toll-free at 800.835.9680.

Yes, ensuring that your travels are free of financial burden is our priority. When locations experience a high amount of fraud, they are often restricted. Upon notification, limitations will be lifted to ensure ease of transaction processing worldwide.

Your PIN (Personal Identification Number) provides an extra layer of account security. For a PIN reissue, contact Prime Financial locally at 414.486.4500 or toll-free at 800.835.9680. ATM/Debit Card PIN personalization is available by visiting a branch location.

Yes, you can access your account anytime through online banking. Cardholders have access to transaction details, payment options, and custom alerts. Need to speak to a representative after business hours? Call 800.835.9680.

 Credit Reports

Definitely! Credit reports may affect your mortgage rates, credit card approvals, apartment requests or even your job application. Visit to obtain a free copy of your credit report every 12 months from each credit reporting agency.

Prime Employer Program (PEP)

Credit Unions serve people who share a common bond like an employer. Prime Financial currently maintains a partnership with employers such as the City of Milwaukee, County of Milwaukee and MPS. Employers add a valuable asset to their benefit program with no added costs.

Yes and the benefits exceed standard direct deposit! Prime Financial offers free educational workshops and one-on-one support to promote sound financial decision-making. Our goal is to help families remain financially independent. In addition, employees receive perks such as early payroll access and competitive investment and loan rates.


Wisconsin credit unions give back by offering over 30,000 ‘no fee’ ATMS and 5,000 ‘no fee’ branches for members through cooperative, nationwide shared branching networks. Visit the Branch & ATM Locator page to find the nearest surcharge-free ATM.

Yes, a Wire Transfer will transfer funds outside of Prime Financial. If the owner is the same on both accounts, the request can be processed via phone at 414.486.4500 or toll free at 800.835.9680. If the transfer is occurring from one account owner to another, for your security, the request must be made in-branch. Be sure to request your funds transfer early in the day to ensure a same-day deposit!


Unfortunately, it might be better to wait. Payments made 30 days prior to the next due date will be applied as principal only. As a result, the payment will not be credited toward the subsequent month; your due date will not advance.

Reference your loan note for specific terms. Typically, this period is 10 days after the payment due date.

Roughly one-third of Americans live paycheck to paycheck with little to no emergency savings. Products, such as Member Privilege and Unsecured Loans, are available during periods of hardship. Member Privilege is an overdraft protection program which clears your “bounced checks” (up to $1,000) in a financial emergency. Unsecured Loans, for example a $500 EZPay Loan, are available for unexpected personal needs.

In addition, Prime Financial will not only help members purchase, but also keep their home. When possible, refinancing or other steps will be taken to avoid foreclosure.

Prime Online

Establishing your Online Banking account is easy. Download the Prime Online App on your Apple or Android mobile device to get started.

This is definitely frustrating; technology has its downfalls! We hope there is an easy, quick fix. If you are unsure of your security question answer, simply click the link entitled “email me a bypass code”. If this doesn’t do the trick, please contact the Member Support Center at 414.486.4500. For your security, we must undergo a few additional steps.

For increased account protection, you will be prompted to update your Online Banking password a minimum of once per year. In addition, you may elect to update your password at any time. While logged in, select the “Options” tab; then select “Security Settings”.

Unfortunately, no; check images are stored securely. Contact the Member Support Team at 414.486.4500 or [email protected].

A combined total of pending transactions, absent of details, will appear on Online Banking. If specific transaction details will better assist in account balancing, log into your Mobile Banking application or contact the Member Support Team at 414.486.4500.

Prime Mobile App

Establishing your Online Banking account is just a few clicks away. Click here to get started!

To minimize the confusion of multiple passwords, your Prime Online and Prime Mobile passwords are the same.

Upon initial login, a PIN will be automatically generated. Users may retrieve this one-time security PIN via email. This safeguard authenticates that you initiated the mobile login, and permits your electronic device account access.

The inability to access your account can cause headaches. For your security, we must undergo a few additional steps. Please contact the Member Support Center at 414.486.4500.

Getting money in your hands is our priority! Therefore, $200.00 of each check deposit will be accessible immediately. Once we have verified the authenticity and accuracy of the check, the remaining funds will be released.

Yes, transferring is easy! Choose that you wish to transfer to “Another Member’s Share”. Then, enter the Account Number, Share ID and Amount. It’s that simple!


Signing up takes a few short minutes in Prime Online or the Prime Mobile App. Visit the eDocs page to get started.

Member Story

"My personal and business accounts are always handled above and beyond, even during tough times."