Northern Star CU logo
 Can't Log In?


Manage your money from the comfort of your home with Northern Star Online.

Online Banking

Northern Star’s online banking package offers you convenient access to your account. Whether it's Online Banking, Bill Pay, Loan24, Mobile Banking, or e-Statements, all e-Branch services are free to Northern Star members. See our e-Branch Frequently Asked Questions for more information.

responsive devices


For those members who want the latest information on their account, e-Statements is the service of choice. Available for both your Northern Star Credit Union accounts and your NSCU VISA Credit Card.

sign up for estatements

Mobile Banking App

Northern Star’s free Mobile App is convenience at its best; available wherever your phone goes.

With the app, you can:

  • View Account Balances
  • Transfer Funds Between Accounts
  • Make Loan and Credit Card Payments
  • Pay Bills Using Our Bill Pay Service
download our mobile app

Digital Wallet

Sometimes we don't have the time or free hands to reach into our pocket. That's why we offer Digital Wallet, which includes Apple Pay, Google Pay, and VISA Checkout, to help make your life easier.

Digital Wallet allows you to use your smart phone or computer* to pay for things online and in-stores by assigning a unique ID to your Northern Star debit or credit card.** This means that your actual card number is never stored or saved on a device

For additional security, you can opt to enter your PIN the checkout register of participating merchants.*** Learn more by clicking the images below.

Google Pay
Apple Pay

*Each Digital Wallet product has its own device or computer requirements. For more details, please click the link of the Digital Wallet product above.

**PIN entry varies by merchant. Not all merchants require PIN entry at their Point of Sale terminal to complete a transaction.

***Northern Star Credit Union debit and credit cards must be in good standing to complete the enrollment process. Business Account cardholders are not eligible for Digital Wallet.

Bill Pay

Bill Pay is the free and easy way to pay your bills online. Available to Northern Star members with checking accounts, e-Branch, and e-Statements, Bill Pay makes it easy to:

  • Make online payments to businesses and individuals
  • Make one time payments or set up recurring payments
  • Have e-Bills sent directly from businesses
  • Have e-mail reminders for payments
  • Pay your bills 24 hours a day, 365 days a year

bill pay

If you’re already an e-Branch/e-Statement user and have a checking account, you can sign up for Bill Pay by logging into your online account and clicking "Bill Pay".

If you are not an e-Branch member, contact us to set up your information.

Online Loan Application

If you are looking for a quick and easy loan application, Loan24 is our solution for you. You can apply online for car loans, Visa credit cards, personal loans, and second mortgages. You can access NSLoan by using our online application.

Online Forms

The following is a list of forms available online for your convenience.

All forms require signature verification; therefore, they must physically be brought to a Northern Star branch by the primary account holder. Proper ID is required, unless your identification and signature have been scanned into our system.

The following forms require Adobe Acrobat Reader for viewing and printing.

If you have any questions regarding the above forms, please do not hesitate to contact us.

Online Security Information

Northern Star is committed to making sure that e-Branch is safe and secure. With our security infrastructure in place we are confident that access to your accounts is private and secure. Be sure and check out the e-Branch FAQ for other information.

You Play a Role in Security

While Northern Star works to protect your financial privacy, you also play a role in protecting your accounts. There are a number of steps you can take to ensure that your financial experience on the internet is safe and secure.

Ways to Protect Yourself

First and foremost, don't reveal your password to anyone else. Your password is designed to protect the privacy of your account information, but it will only work if you keep it to yourself. If you think your password has been compromised, change it immediately online.

Don't walk away from your computer if you are in the middle of an e-Branch session.

When you are finished using e-Branch, always exit before visiting other Internet sites.

If anyone else is likely to use your computer, clear your cache or turn off and re-initiate your browser in order to eliminate copies of web pages that have been stored in your hard drive. How you clear your cache will depend on the browser and version you have. This function is generally found in your preferences menu.

Northern Star strongly recommends that you use a browser with 128-bit encryption to conduct secure financial transactions over the Internet. Current acceptable browsers are:

Browser/Security Encryption

Encryption helps protect your private information so that it cannot be intercepted and read by a third party.

Encryption is the scrambling of information for transmission back and forth between two points. A virtual key is required to decode the information. When you request information about your accounts, the request is sent encrypted (scrambled) to Northern Star.

We then decode your request for information and send it back to you in an encrypted format. When you receive it, your information is automatically decoded so that you can read it.

The encryption technology used by e-Branch is so secure that it is classified by the U.S. Department of Defense and export of this technology to other countries is forbidden by law.

Digital Identity

For digital identity verification, we have a digital server certificate that your browser uses each time you sign on to verify that indeed you are connected to Northern Star.

A Note on Cookies

e-Branch utilizes cookies to hold a random session ID each time you log in. This ID is verified each time you send or receive information from e-Branch. The session ID provides security for your private information by responding only to requests that are intended for you. The session cookie is not stored on your computer, and it is dismissed when you exit your browser, or are logged out after the inactivity period. Without accepting this session ID (cookie), you cannot explore your accounts with e-Branch.

Online Fraud or Phishing

If you receive any suspicious E-mail or link to a website that appears to be from Northern Star Credit Union, report it to

Phishing is the act of obtaining personal information by use of E-mail scams or fraudulent websites.

A Phishing scam can be very difficult to detect since thieves will dress up their E-mail and website to look like it is coming from a real Business or Financial Institution. These E-mails and websites take many forms, such as a Survey, Questionnaire, or Notice of Expiring Service. Many even offer the chance to receive Money or Gifts for filling out a Survey or Questionnaire. To help prevent you from becoming a victim, we have come up with some tips and precautions to identify a Phishing Scam.

Never Give Out Personal Information

Northern Star Credit Union will NEVER send an E-Mail to obtain or verify your Name, Address, Social Security Number, Phone Number, Account Number, PIN Number or Credit/Debit Card Number. If you have opened an account with us, we already have that information so there is no need for us to ask you for it again! Furthermore, changes to your Address, Phone Number, or E-Mail address cannot be made by E-Mail. We will only accept such changes through logging into e-Branch or in person at one of our locations.

Be Cautious of Fake Surveys

From time to time, Northern Star Credit Union may ask our members to fill out a Survey to help us improve our level of service. However, these surveys are anonymous and we DO NOT ask for your Address, Social Security Number, Phone Number, Account Number, PIN Number or Credit/Debit Card Number on the form. If you receive an E-mail or link to a website that asks for any this information, do not answer any of the questions and report the E-mail or link to Northern Star Credit Union.

Information on Expiring Services

Northern Star Credit Unions offers Online Home Banking, a Telephone Audio Response Line, and Online Bill Payment services to its members. These services NEVER expire and are closed out automatically if a member closes their account. Since these services NEVER expire, we will never contact you to renew them.

Temporarily Suspended Account

Many Phishing Scams will send fake E-mails disguising themselves as a financial institution that has suspended your account due to a billing error or failure to update your account information. These fake E-mails will take you to a link that asks for information like your name, Address, Social Security Number, Phone Number, Account Number, PIN Number or Credit/Debit Card Number. Northern Star Credit Union members will be contacted by one of our staff and asked to come to one of our branches if there is a problem with their account or if account information needs to be updated. Northern Star Credit Union will only E-mail regarding the status of your account after other methods of contact, such as your telephone numbers on file, are unsuccessful.

If you have followed any links or e-mail and submitted your personal information, please contact us at 757-487-3474 or come into any of our branches immediately.

If you receive any suspicious E-mail or link to a website that appears to be from Northern Star Credit Union, report it to

For more information on Phishing, the Federal Trade Commission (FTC) has released a document "How Not to Get Hooked by a ‘Phishing’ Scam."

For more information on Identity Theft and Online Scams:

Credit Reporting Companies United States Government

Equifax: 1-800-525-6285

Experian: 1-888-397-3742

TransUnion: 1-800-680-7289

Federal Trade Commission Identity Theft Hotline: 1-877-ID-THEFT or 1-877-438-4338

To visit the FTC Identity Theft website, click here.

Social Security Administration Fraud Hotline: 1-800-269-02711-800-269-0271