Question 1

What should I do with my card if I am traveling?

Accepted Answer

If you are traveling outside the United States, you will want to call or text us at 800-648-8035 to let us know when you are leaving, returning, and what countries you are visiting so that we can add the information to our fraud alert system. In all cases, make sure that you are monitoring your phone and email for alerts from us as this is how our external fraud department reaches out to confirm transactions in question.

Question 2

How do I close my account?

Accepted Answer

If you are looking to close an account, please give us a call at 800-648-8035 or stop into one of our local branches.

Question 3

How do I update my personal information?

Accepted Answer

Your personal information can be updated at any time by logging into your online banking or the mobile app or by using the Update Personal Information form on our website.

Question 4

How can I change my card PIN?

Accepted Answer

Call the PIN change verification line at 866-985-2273. You will need to enter the last four digits of your social security number, the 3 digit CVV2 code on the back of your card, and the expiration date of the card, at which point you will be able to reset and select a new card number. If you are unable to continue or need any other assistance, please stop into one our of our local branches.

Question 5

How can I order a replacement card?

Accepted Answer

Lost or stolen debit or credit cards can be reordered online, in the mobile app, or by calling or texting us at 800-648-8035. We also offer the ability to pick up a printed card directly in any of our local branches. All replacement cards have a cost of $10.00.

Question 6

What can I do if my card is lost or stolen?

Accepted Answer

The most important step is to deactivate your card immediately. The fastest way to deactivate is from your online banking or mobile app. You can also deactivate them by calling or texting us at 800-648-8035 or by stopping in to your local branch.

Question 7

What should I do if I have a charge I don't recognize on my card?

Accepted Answer

Step one is to reach out to the merchant directly, as they are often the fastest way to resolve disputes. If they are unable or unwilling to assist, call our dispute resolution line at 888-918-7873.

Question 8

How do I send a wire transfer?

Accepted Answer

Wire transfers are generally done in person at your local Ignite Credit Union branch. You will want to bring your government-issued ID and the recipients wire information; this will typically be their name, account number, and wire routing number, though this can vary greatly depending on their location and financial institution.

Question 9

How do I set up transfers between Ignite Credit Union and another financial institution?

Accepted Answer

The easiest way is to use the A2A Authorization form on the Ignite Credit Union website, along with proof of account ownership over the other account- typically a voided check or monthly statement.

Question 10

What overdraft options are available?

Accepted Answer

There are several options available to you! Courtesy Pay enables us to authorize and pay reasonable overdrafts for qualified members in good standing with a fee of up to $35 per overdraft. Overdraft transfers allow you to automatically transfer funds from your savings account to cover your checking account in the event that it becomes overdrawn.

Question 11

What days are you closed?

Accepted Answer

Ignite is closed on New Year's Day, Martin Luther King, Jr. Day, President's Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day/Indigenous People's Day, Veterans Day, Thanksgiving and the day after, Christmas Eve, and Christmas Day.

Question 12

Why am I seeing Ignite Credit Union all of a sudden?

Accepted Answer

Ignite is the behind-the-scenes partner that powers your Credit Union. You're still a member of the credit union you know and trust. That hasn't changed. What's changing is our ability to serve you better. Ignite helps us share tools and resources across a larger footprint, bring you better products and services, and keep service, focus, and identity exactly where they belong: right here in Michigan.

Question 13

What should I do if I cannot make a loan payment?

Accepted Answer

It is important that you contact us as soon as possible. There are often ways that we can assist in getting your loan back on track! Call or text us at 800-648-8035.

Question 14

How do I obtain the payoff amount for my loan?

Accepted Answer

To obtain the payoff amount for your current loan, call or text us at 800-648-8035.

Question 15

What do I do if I'm locked out of my online banking account?

Accepted Answer

If you find yourself locked out of your Online Banking or Mobile App, click the "Forgot Password" button below the sign-in boxes. If you become locked out, please give us a call or text at 800-648-8035 or stop into one of our branches.

Question 16

How do I log into online banking for the first time?

Accepted Answer

The first time you log into your online banking, your username will be set to your account number and your password will be your birth year and the first two digits of your last name. After you have logged in, you will be prompted to change both your user name and password. Temporary credentials expire after twenty four hours, at which point you will need to contact us again by stopping in to a branch or giving us a call at 800-648-8035.

Question 17

What are the current rates at Ignite Credit Union?

Accepted Answer

Ignite's loan, savings, and CD rates can change daily, so it is always best to check on the website or stop at your local branch to ensure accuracy.

Question 18

Where can I find the status of my incoming direct deposit?

Accepted Answer

Pending direct deposit information is available through online banking or the mobile app twenty four hours a day. If you need further assistance or have questions, you can call or text us at 800-648-8035 or stop into one of our local branches.

Question 19

What is my routing number?

Accepted Answer

The routing number is 272476776. Your routing number is used along with your account number for direct deposits and wire transfers.

Question 20

How do I find my account number?

Accepted Answer

The easiest way to find your account number is by asking Carl, Ignite Credit Union's chatbot assistant found in the bottom righthand corner of our webpages. Your account number is also found on your paper statement, on the accounts screen in online banking or the mobile app. If you do not have access to any of those options, please call or text us at 800-648-8035.

Question 21

How do I use Mobile Deposit?

Accepted Answer

You can register for Mobile Deposit through the mobile app or online banking. You will want to endorse the back of the check with your signature, account number, and "For Ignite Mobile Deposit Only." From there, make sure to follow the instructions in the mobile deposit section of our website or app, which will have you take a picture of the front and back of the check.

Question 22

Where is the closest free ATM?

Accepted Answer

All of our local branches feature free ATMs. In addition, there are over 30,000 additional ATMs that members can access free of charge through the co-op network. Visit co-opcreditunions.org/locator/search to find the location nearest you.

Allegan CU