common questions and answers
Ignite Credit Union’s routing number is
To apply for Ignite Credit Union membership, fill out the form below.
Who Can Join?
Membership is open to anyone who lives, works, worships or attends school in the state of Michigan!
- New Year’s Day: Thursday, January 1, 2026
Our Digital Member Center is available to help members by phone or text message.
Call 888.860.6928
- M-Th: 9:00am – 5:00pm
- F: 9:00am – 5:30pm
- Saturday: 9:00am – 1:00pm
- Sunday: CLOSED
You can also chat with a live agent through our chatbot, Carl. Click on the Carl icon on the bottom right corner, type in “talk to a live agent” and follow the prompts.
You can also text one of our live agents at 888.860.6928
Our live chat and texting agents are available:
- M-F: 9:00am – 5:00pm
Digital Member Center will be available from 9:15am – 12:00pm on Christmas Eve and New Year’s Eve.
Chatbot Carl is available 24/7.
A Contact Us email form is available below.
Ignite Credit Union’s live chat hours are:
- M-F: 9:00am – 5:00pm
Our fraud detection and notification system notifies you when we suspect fraud so that you can review transactions and confirm your spending activity on Debit and Credit Cards.
**Please note that we will NEVER ask for your card number or account number since we already have this information. If someone calls requesting this information, do NOT share any personal details.
We recommend calling the Credit Union to verify your transaction history and any possible fraud transactions. Give us a call at 888.860.6928 and we’ll be happy to help answer any questions you have!
I Need To…
- Report a fraudulently used, lost or stolen card, call 888.918.7873.
- Request a new card or check on the status of a fraud case, call 888.860.6928.
- Request a new Personal Identification Number (PIN), call 866.985.2273.
- Deactivate a lost or stolen card via Mobile Banking, use Card Controls.
To file a dispute call 888.918.7873.
To check the status of a dispute case call 888.860.6928.
Can’t make it to a branch? Try Shared Branching.
Shared Branching allows members to access their accounts at other credit unions across the US.
Use this link to find a shared branch near you.
Join Ignite
Anyone who lives, works, worships, or attends school in the state of Michigan can join Ignite Credit Union!
Travel Notice
If you’re staying within the country, it is not necessary to update us. If you are traveling abroad, let us know.
Transfer Funds
Send and receive guaranteed funds easily and securely to recipients anywhere.
Direct Deposit
Make paycheck deposits faster, easier and direct when you signup for Direct Deposit.
with a spark of financial freedom
Text Ignite Credit Union: 888.860.6928
Ignite Credit Union will never sell/give your mobile number to any third party nor will we use it for any marketing or solicitations when you text Ignite or provide us with your mobile number. We may use your mobile number for one-on-one communications only to provide support or to better your financial situation.
Email us at [email protected]
Please mail all payments to:
Ignite Credit Union
115 Riverside Drive
Battle Creek, MI 49015
Ignite Credit Union’s Mailing Address is:
Ignite Credit Union
115 Riverside Drive
Battle Creek, MI 49015
- If you’re staying within the country, it is not necessary to update your travel information with Ignite Credit Union.
- Double check your Personal Identification Numbers (PINs) before you travel. If you need a new PIN, contact us at least 10 days before you leave.
- Always take more than one method of payment with you while you travel.
Planning An International Trip?
Fill out the form below!
If any issues or concerns arise pertaining to your Ignite Credit Union Debit or Credit Cards, stop by any of our branches or call a Member Service Advisor at 888.860.6928.
If you’d like Ignite to authorize and pay overdrafts on ATM and one-time debit card transactions, complete and submit the form below.
Ignite Credit Union will charge a fee up to $35 each time an overdraft is paid through Bounce Protection.
There is no limit on the total fees Ignite can charge for overdrawing your account.
Please Note: We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
Courtesy Pay may allow qualified members, in good standing, to overdraw their account for approved transactions when sufficient funds are not available. If an overdraft is paid, your account balance may become negative and overdraft fees may apply. Fill out the form below to enroll in Courtesy Pay Overdraft Coverage.
Submit the form below to allow transfers between another financial institution and your Ignite Credit Union account (A2A-Account to Account Transfers). Contact your other financial institution to ensure you have proper information before submitting this request.
Note: To submit this request, a copy of a voided check or account statement to the other financial institution is required for upload.
After your initial setup request is approved, you can perform A2A transfers in online banking and the mobile app under the Quick Transfer or Schedule Transfer sections.
Skip-A-Payment allows you to skip a monthly payment on your Ignite Credit Union Vehicle, Personal, RV or Boat Loan to put a little cash back in your wallet for other expenses.*
How To Use Skip-A-Payment
To utilize Skip-A-Payment, simply log in to your account within Online Banking or the Mobile App and click on the “SP” icon next to your loan. This logo indicates you are eligible for Skip-A-Payment.
You can also utilize Skip-A-Payment by filling out this form
Enjoy the convenience of making your loan payments via ACH (electronic check) from your savings or checking account or from a debit or credit card from any financial institution right on your Ignite Mobile App. If your savings or checking is with Ignite Credit Union, please log in to Online Banking to make payments.
What You’ll Need:
- Your Ignite Credit Union account number and loan suffix(es)
- The routing and account number or debit/card number to be used for the payment*
- Ignite Credit Union primary account holder information
- Choose to register a user or make a payment as a guest (creating a user is recommended if you plan to make payments using REPAY)
Benefits Of REPAY:
- No late fees or missed payments
- No need to write a check and send it in the mail
- Avoid the hassle of moving money from place to place to pay a bill
- Set up REPAY to withdraw funds directly from any financial institution
* A $10 convenience fee applies to payments made with a credit or debit card
If you haven’t used Online Banking before, give us a call at 888.860.6928 and we’ll be happy to get you started!
Earn CURewards® points on qualifying purchases that can be redeemed for travel, merchandise, gift cards, and more. Simply use your card for everyday purchases and watch your points add up.
CU*Talk is our 24-hour telephone banking service which allows you to check balances, transfer money and see what checks have cleared.
- Call 888.860.6928
- Select Option 6 (CU ID: 335)
First-time users must contact Ignite Credit Union to set up a PIN before using CU*Talk.
with a spark of financial freedom
ATM Locations
Need to withdraw cash? Use our self-service ATMs. Click here to use the Quick Search to find an ATM near you.
Update Info
Keep your member information up to date to ensure you receive important correspondence from Ignite CU.
Fraud
An unexpected charge can be the result of merchant error or fraudulent activity. If fraudulent activity is suspected, click here.
Order Checks
Need checks? That’s great, we can help! To place an order over the phone, call 888.860.6928 or click here to reorder checks.
This convenient service provides peace of mind in the event your Ignite Credit Union Debit or Credit Card gets lost or stolen, or if you detect suspicious activity. You can access Card Controls from within the Mobile App and easily turn your Debit Card or Credit Card on or off to protect your accounts from unauthorized use. You are in control, anytime, anywhere!
- Receive card activity alerts – when and where your card is being used
- Report a lost or stolen card and turn your card on or off
- View account balances and see recent account activity
How To Get Started
Take control of your cards today! Simply:
- Download the latest version of our mobile app, Ignite CU Connect, from the App Store or Google Play.
- Log in to the app.
- Tap “More” at the bottom of your screen.
- Tap “Card Controls.”
- Tap “Enable Push Notifications” in order to receive activity alerts.
- You will find a list of all active Debit and/or Credit Cards – Tap on the card(s) to set your personal preferences as to which notifications you would like to receive.
Ignite Credit Union members age 18 or older are eligible to enroll in Mobile Deposit.
To enroll in Mobile Deposit, in the Ignite Mobile App tap “Deposit” at the bottom of your screen, then tap “Enroll.” Mobile Deposit approval typically takes less than 24 hours. Once you are approved, you will be notified via email, and you can begin using it immediately.
The back of your check MUST include:
– Signature
– Date
– Ignite Credit Union Mobile Deposit
Check images received by 2pm Eastern time, Monday-Friday (business days only) are guaranteed same day deposit. This is not a real time system. For problems or concerns, please call an Ignite Credit Union Member Service Representative at 888.860.6928.
At Ignite Credit Union, protecting your personal information is one of our highest priorities. That’s why we offer My Virtual StrongBox, a complimentary, secure online safe where you can store digital copies of your most important documents and records.
Whether you’re filing your taxes, applying for a loan, purchasing a vehicle, or simply organizing your important information, My Virtual StrongBox (MVSB) keeps everything securely stored and easily accessible whenever you need it.
Powered by advanced cloud-based encryption technology, MVSB is provided free to every Ignite member, giving you added peace of mind while helping you stay organized.
How To Access My Virtual StrongBox Within Online Banking:
- Log in to Online Banking.
- Hover over the “Member Services” drop-down menu and click “My Virtual Strongbox.”
- Click “Go to Virtual StrongBox.”
- You will then be redirected to your profile’s Dashboard, where you can start securing your private files safely and securely.
How To Access My Virtual StrongBox From The Mobile App:
- Download the latest version of our mobile app, Ignite CU Connect, from the Apple App Store® and Google Play™.
- Log in to the app.
- Tap “More” in the lower right corner of your screen.
- Tap “My Virtual StrongBox.”
- Tap “Go to Virtual StrongBox.”
- You will then be redirected to your profile’s Dashboard, where you can start securing your private files safely and securely.
Access Your Account Online
- Click the Online Banking button below
- Click “First Time User?”
- Enter your account number
- Enter your Social Security Number
- Follow the prompts to set up your security codes and password
Click the “Forgot Password” option on the login screen. This will direct you to answer some of the security questions you selected when you first signed up. If you’re unable to remember these answers, give us a call at 888.860.6928.
Paying bills is easy and convenient with online Bill Pay. You can set up recurring payments or make one-time payments. You can also subscribe to reminders that notify you when bills are coming due. Simply log in to Online Banking or our Mobile App to get started.
Enroll In Bill Pay Within Online Banking
- Log in to Online Banking and select “Pay & Transfer” from the top navigation bar.
- Then select “Bill Pay” under the “Pay Services” column.
- Select “Enroll for Bill Pay.”
- Select the account you would like to use as your primary Bill Pay Account from the dropdown menu, then select “Enroll Now.”
Enroll In Bill Pay Within The Mobile App
- Download the latest version of our mobile app, Ignite CU Connect, from the App Store or Google Play.
- Log in to the app.
- Then select “Move Money” from the bottom navigation bar.
- Select “Bill Pay.”
- Then select “Enroll for Bill Pay.”
- Select the account you would like to use as your Primary Bill Pay Account from the dropdown menu, then select “Enroll Now.”
How To Add A Payee
- Select the “Add a Payee” button.
- Next, you can either type your payee’s name in the box or use the dropdown menu to select your payee from a list of common payee options.
- Enter the payee’s account number and zip code; nickname, email address, and phone number are optional.
- Select “Add Payee.”
Biometric authentication is a mobile-based technology that allows the Mobile App to scan a user’s fingerprint or view their face to log in. Once you download the Mobile App, Ignite CU Connect, you can quickly and securely use your face, fingerprint or PIN as a login method.
How To Set Up Biometric Authentication
Our biometric authentication options are easy to use. Log in to your Ignite CU Connect Mobile App and tap the profile settings in the top right corner of the app. Select Authentication Options.
- Fingerprint – Utilizing the established fingerprint verification feature on your mobile device, place your finger on the device’s sensor to unlock your account. This is the only option that is device-specific. You will need to set up your fingerprint on each device where you use the Mobile App
- Face Recognition – Center your face within the circle and blink. The Mobile App will then authenticate your identity
- PIN – Select a 4-digit PIN to log in to the Mobile App. This is the least secure biometric method
- Username and Password – Traditional method for securely logging in to the Mobile App
Easily view your credit score through Savvy Money in the Ignite CU Connect Mobile App.
- Savvy Money uses a “soft pull”, so your score isn’t negatively affected
- Scores can be refreshed daily
- Get an analysis of your score, including the credit rating and an explanation of it
- See recommended actions to improve your credit
-
Simulate your score with their built-in score simulator, which allows you to input items like missed or increased payments, new lines of credit, loans being paid off, and more, to see how your credit score might change
with a spark of financial freedom
Ignite Credit Union has partnered up with GreenPath to offer one-on-one financial counseling, debt management services, and financial education tools.
Through your Ignite membership you have free access to GreenPath’s financial experts to guide you through life’s financial challenges.
GreenPath offers personalized assistance with:
- Budgeting and money management
- Debt repayment
- Understanding your credit report and how to improve your score
- Avoiding bankruptcy, foreclosure, and repossession
Please visit our partner website at greenpath.com/partner/ignite or call 877.337.3399 to get connected today.
My Member Insurance Agency (MMIA) is committed to providing competitive insurance products and exceptional customer service for Ignite Credit Union Members.
To contact MMIA please call 800.448.5355 or visit the MMIA website.
Through Ignite Investment Services, we can connect you with someone who will help you think it through and build a plan that fits your life.
- Build a plan for your future
- Understand your retirement options
- Make sense of a 401(k) or rollover
- Prepare for major life changes
- Move forward with confidence
To Get Started, Choose An Advisor Closest To You And Reach Out To Them Via Email Or Phone
Tim Bailey, CFP®, CPFA
Tim brings over 20 years of experience helping individuals and families move forward with confidence through thoughtful financial guidance and planning. Known for his hands-on, lead-by-example approach, Tim has built and grown advisory programs across West Michigan by focusing on relationships first. He’s passionate about making financial planning approachable, especially for members who may feel unsure where to begin, and takes pride in helping people turn real-life challenges into meaningful progress.
Serving the Albion, Battle Creek, Coldwater, Portage, Allegan, Gobles, Fennville, and Wyoming communities.
Schedule a conversation:
[email protected]
888.860.6928 ext. 12900
Dimitri Hountalas
Dimitri works closely with members to understand their goals and build a plan that fits their lives. With more than 18 years of experience, he’s known for making financial planning feel approachable and practical. He prides himself on delivering tailored, comprehensive financial solutions.
Serving the Jackson and Sterling Heights communities.
Schedule a conversation:
[email protected]
888.860.6928 ext. 12400
Fill out this form to enroll in direct deposit!
The Ignite CU Connect Mobile App is an easy, secure way to access your accounts anytime, from anywhere, using your mobile phone, tablet, or electronic device. It can be found in the Apple App Store® and Google Play™.
Outgoing Wire Instructions
In preparation for having funds wired out, members should obtain the following information from the receiving financial institution and provide it to us:
- Routing and transit number
- Verify the receiving account number and suffix number (if applicable)
- Verify if there are any further credit instructions
Members should also supply us with:
- The account number and suffix from which funds are to be wired.
- A daytime telephone number in case of a problem.
To make a Wire Transfer, stop by any of our branches or call a Member Service Representative at 888.860.6928.
Incoming Wire Instructions
Typically, financial institutions will use a large institution, known as an intermediary institution, to process wire transfers. Ignite Credit Union’s intermediary account is with Alloya Corporate Credit Union. All wires must initially route to Alloya and then be credited to Ignite Credit Union prior to being credited to the individual’s account to receive the funds. When wiring funds to us from another institution, the following information should be provided to the other financial institution:
Wire to:
Alloya Corporate Federal Credit Union
184 Shuman Suite 400
Naperville, IL 60563
routing#: 271987635
Further credit to:
Ignite Credit Union
115 Riverside Drive
Battle Creek, MI 49015
routing#: 272476776
Final credit to the member:
Member full name
Member street address
Account number & indicate the type of account (i.e. savings, checking)
Need Checks?
That’s great, we can help! There are 2 ways to go about getting you what you need. If one of the following applies to you, give us a call at 888.860.6928 to get your checks ordered.
- New check order
- Name or address change
- Do not know starting number
- Have not ordered through Harland Clarke before
If you’re a pro who’s done it all before, use the button below to get more checks ordered.
At Ignite Credit Union you’ll find more than just a job—you’ll discover a career where your contributions are valued, your growth is supported, and your impact is felt. Join a dynamic team committed to fostering financial well-being and building stronger communities. If you’re looking for a role where you can thrive professionally while making a difference, Ignite your future with us today!
The following Ignite Credit Union branches feature standard ATMs:
- Albion
- Allegan
- Battle Creek
- Coldwater
- Fennville
- Jackson
- Portage
- Sterling Heights
- Wyoming
SURCHARGE-FREE ACCESS TO YOUR MONEY, ALMOST ANYWHERE
CO-OP’s nearly 30,000 ATMs means you have more direct, surcharge-free access to your money than most traditional bank customers do.
To locate an Ignite Credit Union or CO-OP Network ATM near you, text 91989 from your mobile phone. In the body of the text, enter an address (with city and state), a zip code or an intersection (with city and state) of where you want to search for an ATM.
Standard message and data rates may apply. Reply HELP for help. Reply STOP to unsubscribe. Click here for our Privacy Policy.
Live Teller Machines, also known as ITM (Interactive Teller Machine), allow us to provide face-to-face service to our members through video technology with walk-up and drive-up machines. If you have ever talked to someone on Facetime or with webcam, it is very similar, but you are directly connected with an Ignite Credit Union service rep. Your Ignite rep can preform any financial transaction you typically perform in a drive-thru. Plus this machine can also function like an ATM when you don’t need face-to-face assistance.
All Ignite Credit Union branches feature an ATM Live Teller Machine (aka ITM).
Ignite Credit Union is proud to award ten (10) $1,000 scholarships to members who are furthering their education at an accredited college, university or trade school. We believe in supporting individuals who exemplify our values of putting people first, leading with authenticity and respect, empowering through education, creating positive energy and being unstoppable.
See below for details on how you can get an extra $1,000 to put toward your education.
Interested? Here’s what we’ll need:
- A completed and signed application
Most recent transcript (official or unofficial accepted) - Proof of enrollment or acceptance from your college, university, or trade school
- Two current (not past 60 days) letters of recommendation from teachers, guidance counselors, employers, or school administrators; letters from family will not be accepted
- A typed, double-spaced essay (500 words or more) letting us know how you live out the core values of Ignite Credit Union
Who can apply:
- Anyone enrolled in college, university, or trade school
- A person meeting the above requirements who hasn’t won previously
Stay tuned for more information about our 2027 scholarship applications and how to apply!
One of the perks of being a member of Ignite Credit Union is being able to use our coin counting machine for NO FEE*! Turn that loose change into cash with our coin counting machine!
Coin counting machine is located at our Allegan branch.
- Albion
- Allegan
- Battle Creek
- Coldwater
- Fennville
- Gobles
- Jackson
- Portage
- Wyoming
Get pre-approved to make the car buying process easier.
Ignite pre-approvals are typically good for 30 days. Once you find a car you can complete the loan process right with the dealer.
View a list of dealerships that work with Ignite Credit Union members directly.
Ignite’s free Online Banking makes life easier. You’ll enjoy around-the-clock convenience and the ability to make transactions from home—or anywhere life takes you.
iOS & Android Mobile App
