• Routing Number: 291172844


Check out this Federal Schedule of benefits for exact dates in 2024. As a benefit to you, Embers may provide credit up to 5 days early after payment notification! Early credit is not guaranteed.
You can contact us at 906-228-7080 or via messages for current information about deposit times.
Embers cannot determine the date of your deposit. Contact a tax professional or https://www.irs.gov/refunds.

You can make deposits into any account at Embers. But if you are not on an account, you will not be authorized to receive any information about that account.

Sometimes, payment notifications are sent earlier than 5 days before the settlement date of your deposit. When that happens, we let you know that it is pending. We will not credit earlier than five business days before the payment settles to us.
Tax documents will be mailed by January 31st of each year.
Most mobile deposits will place a partial hold for 2 business days on checks deposited through the mobile app. In most cases, at least $225 will be available to you immediately. If you deposit the check over a weekend/holiday, the hold may be longer. You can contact us during regular business hours for us to review and release the check.
The National Credit Union Administration's insurance guarantees that you'll receive the money you're entitled to from your deposit account if the credit union becomes insolvent. It guarantees up to $250,000 per person, per institution, per ownership category. The NCUA is a federal agency created by Congress to regulate credit unions and insure your money.


You can set up a transfer from your account at Embers to your account another institution by using the External Transfer feature in digital banking. Log in to your account and click on Accounts  >  Add Account to get started. This will allow you the most control over your funds and often, faster settlement.

Alternatively, you can contact us or stop by one of our offices to sign ACH form. We will need the routing and account number for the receiving financial institution.

All required information can be found and submitted on our wire instructions page.

There is a required signature which can be done electronically or in person.

A stop payment fee is $20 and will take effect within one business day. Stops initiated verbally will remain effective for 14 days or, with a signature, for up to 6 months for checks and permanently for ACH, unless/until revoked.

ACH (Automatic Clearing House) transfers take up to 3 business days to post, depending on the originating and receiving financial institutions.

Wire transfers almost always happen same day. The cutoff time for an outgoing wire is 4pm EST. Anything submitted after that time will be sent the next business day. Wires cannot be sent or received on weekends or holidays.


If you're unsure about a transaction you see in digital banking, tap the transaction, then select Attach to a conversation. This will notify one of our Member Support Specialists and they will help get this resolved. 
You can also research the name of the transaction in Google, ask joint owners if they made the purchase, or check your email for a receipt. 

Remember, you are always protected from unauthorized/fraudulent activity!

First attempt to resolve with the company; contact them via their website, email, or phone for more information about your item and receiving a refund. If the company is unable to help, you can contact us after a reasonable time for delivery (~30 days) and we get this resolved.

If you are unable to determine the reason for a higher balance than what you expected (no deposits have come through, for instance), it is likely that a hold has expired. When you authorize a charge on your card, a hold is placed for 72 hours. If the company/merchant does not post the transaction on that authorization, the hold may expire and it looks like more money has posted to the account.

However, companies/merchants have up to 6 months to post a transaction based on an authorization, so you should always keep track of what you have authorized vs. what has actually posted.

There are many reasons, other than account balances, that cards do not work – wrong expiration dates, wrong CVV codes, cards flagged for suspected fraud, etc. Please contact us and we can help you find out why the card isn’t working!

Fraud is theft of funds without your permission or knowledge. You always have full dispute rights with true fraud. Scams, however, are theft of funds with your permission or knowledge. While we can attempt to recoup funds from scams, you may not have dispute rights or have success in recouping those funds.

Members do have a responsibility to notify us about lost or stolen cards. Send a message or reach out to us at 906-228-7080 immediately if you believe your card is lost or stolen.

Digital Banking

In digital banking, select Accounts and the + sign (on mobile) or “add an external account” (on desktop). Two small deposits will be sent to verify that you are the owner of the other account. You will have to enter the amount of the two small deposits via digital banking to fully link the account
If your account is less than 30 days old, external transfers are restricted for security purposes. After 30 days, you can send money to other Embers Members + request to send money to anyone with Zelle®.

A share ID number is what distinguishes different types of shares/subaccounts on a membership. 

  • 00 – Savings
  • 10 or 30 – Checking

Bill Pay is our service for paying your bills via digital banking. You must register for Bill Pay on a checking account through a web browser for your first use.

  1. How do I set up a new payee in Bill Pay?

    Select the Payee list and “add Payee.”

  2. How do I delete a payee in Bill Pay?

    Select the payee from the Payee list. There should be a garbage can icon in the top right corner to delete the payee. 

  3. How do I delete a payment in Bill Pay?

    Select the scheduled payment in the payments list. There should be a “delete” button in the top right corner.

    If the delete button is not available, it is too late to cancel the payment.

Mobile deposits will have $225 or more available immediately. The rest of the mobile deposit is available after 2 business days (not including holidays or weekends). 

During your account opening, you opted in to courtesy overdraft protection, which allows the credit union to pay drafts, electronic transfers, or card transactions and bring your account negative up to $500. Each time a transaction hits your account, you are charged that fee for the courtesy payment – a maximum of 3 fees per day. 

Foreign Transactions

There are no fees for using cards abroad outside of regular currency exchange. 

ATMs overseas work the same as domestic ATM. They may charge you an ATM usage fee, but there is no additional cost outside of currency exchange rates.

Embers will need 

  • $40 fee for an international wire.
  • Country of beneficiary bank.
  • Type of currency (foreign, US) and fixed amount.
  • Originator details, including purpose of the wire.
  • Beneficiary details, including account/IBAN, address, phone number, DOB, email.
  • Beneficiary bank details, including name, SWIFT/BIC, address, phone number.

Please notify us of your travel plans and dates of travel via message, phone, or at a branch so we can add a note for our fraud monitoring system. 

Embers does not exchange currency. You can receive foreign currency via ATMs abroad with your Embers debit card. 

We currently do not accept international wires. Incoming wires must first be directed to a domestic financial institution before wiring to Embers.