Online Services

Home Banking

This great service lets you check account balance(s) and transaction histories, make transfers between accounts, access your NCPD Federal Credit Union Visa credit card account, make credit union loan payments, and reorder checks for your NCPD FCU checking account online. There is even an online bill payment feature that lets you pay bills from the comfort and security of your home computer.

First Time Users

Please use your MTS / Audio Response PIN code as your password the first time you log in to Home Banking. You will have the opportunity to create a new password in the User Options section after you have logged in.


In September 2006, NCPD FCU implemented an additional layer of security in Home Banking to protect you from fraud. The new Enhanced Login Security feature protects your identity on any computer(s) you choose to enroll. It identifies you as the true "owner" of your accounts by recognizing not only your password, but your computer as well. If your computer isn't recognized—you've logged in from a computer that you haven't yet enrolled—then you'll be asked to provide information that only you will know (your answers to the Challenge Questions you chose upon enrollment) as an additional line of defense to prevent unauthorized access.

Mobile Web Banking

View account balances, transfer funds, and pay your bills on the go, safely and securely with NCPD FCU’s Mobile Web Banking!  To access the NCPD FCU Mobile Banking Website, go to * from your phones web browser.  To login to your account, use the same user ID and password that you use to access home banking from a traditional computer.


NCPD Federal Credit Union takes your account's security very seriously.  Here is how your Mobile Banking access is protected.

  • Your data is transmitted with industry standard 128-bit encryption.
  • Login information is not stored on your phone.  If you lose your phone, your online banking account does not have to be deactivated.
  • Your account will be locked out after 5 invalid login attempts.
  • Only the last 4 digits of your account will be displayed.
  • You have the option of setting up Enhanced Login Security.  If configured, our systems will remember each device that you login to your account from.  If you login from an unrecognized device, you will be prompted to answer security questions in addition to entering your User ID and password.

To view a demo of NCPD FCU’s Mobile Web Banking, click here.

To try an interactive demo of NCPD FCU’s Mobile Web Banking, click here.

*Standard carrier data rates apply.

Text Message Banking

You can now check your account balances, transfer funds, and more with a simple *text message.  For instance, text BAL to 454545 for your primary account balance.  Click here for a full list of codes.

First Time Users

To setup Text Message Banking:

  1. Login to your account from a PC and click on the Notifications Tab.
  2. Click Activate.
  3. Enter the phone number where you would like your information texted to.
  4. Agree to the terms and conditions and click on next.
  5. You will be texted a confirmation code.  Once you receive it, enter it on the following screen and click next.  (If you don’t receive a confirmation code, you can click on the resend it link.)
  6. On the last screen you can select your primary account, whether or not you would like to be able to transfer funds through a text message, and if you would like weekly balance updates.
  7. Click on finish to confirm your selections.


  • You must login to your Home Banking Account and have your phone available in order to setup text message banking.  If you lose your phone, you can deactivate text message banking within Home Banking on your PC.
  • Your account number will be truncated in each Text Message Banking message that you receive.

To view a demo of NCPD FCU’s Text Message Banking, click here.

*Standard carrier text message rates apply.

Check Imaging

With our Check Imaging feature, you can view your "Paid" checks anytime you like.

To take advantage of this service :

  1. Log in to Home Banking
  2. Click on "Account History"
  3. Click the hyperlinked check number of the check you would like to view
  4. Your check image will appear in a pop-up browser window

Images of checks will be available for a period of 90 days from the date of processing, except for checks paid electronically (for which there are no check images).

Our Check Imaging feature is just another way to help you manage your financial information.  Simply.  Conveniently.  Securely. 

Bill Payer

Throw away your stamps and envelopes and pay your bills through your computer. Bill Payer is COMPLETELY FREE and allows you to set up all of your bills online, make express or recurring payments and research your activity. You can pay almost any bill - from your mortgage, phone bill or your favorite department store with a few clicks of the mouse. The payment is automatically debited from your checking account.

Unlike some other financial institutions, we do not charge a per-bill fee or any monthly service fee. To access Bill Payer, all you need is an NCPD FCU checking account, Home Banking PIN and internet access.

Online Statements

Online statements are fast, safe, convenient, and help conserve natural resources. All you need to take advantage of this complimentary service is a computer with internet access, an e-mail address and Adobe Acrobat Reader.

Faster… Online statements are typically available two to three days before paper delivery.

Safer… According to the 2005 Identity Fraud Survey Report, by Javelin Strategy & Research, consumers should "cancel their paper bills and statements wherever possible, and instead check your statement and pay bills online." The report found that 68% of all known identity thefts - 7 out of every 10 - are committed through conventional methods such as paper records and mail.

Convenient & Easy… View, download, save or print from your personal computer. E-mails notify you when statements are ready for viewing.

Simply follow these steps to sign up for online statements today:

  • Enter member number and password to login to Home Banking
  • Click account access button
  • Click online statements button
  • Read and accept disclosure

NOTE: Statements are available by the 5th of the Month but are usually available by the 1st (Monthly/Quarterly statement rules still apply).

Back To Top