• Picture ID: This can be a driver’s license, state issued ID or Passport. If opening an account for a minor, a parent’s identification will be sufficient.
  • Social Security Number: We need a social security number for each person on the account. We cannot open an account without a social security number.
  • Membership and Savings Account Deposits: Anyone joining the credit union must deposit $5 for membership and an additional $25 to be held in their savings account. All members must have a savings account as this represents your shares in NMCU.

Membership is open to the following:

Our field of membership now serves anyone (including their family members) who lives or works in Habersham or Banks Counties, along with the entire Fieldale Corporation and Ethicon, Inc. As a trusted financial institution since 1979, NMCU has proudly brought instant and significant value and opportunity to their members.

To notify us of a change in mailing address, telephone number and/or email address:

  • Call 706-894-9060
  • Mail to 255 North Main St., Cornelia, GA 30531
  • Stop by our office.
  • E-mail. If e-mailed, we will contact you at the phone number listed on our system to verify the request.

To add a member:

  • Complete a new signature card which you and the joint member will sign. Each owner/authorized user must sign in the presence of a credit union employee or have their signature notarized if unable to access our office during normal business hours.

Remove a joint member:

  • Joint member must complete a form requesting removal from the account or
  • Account can be closed and a new account established.

No. In order for someone to withdraw from an account at North Main Credit Union, they must be listed as an owner, co-owner or authorized signer of the account.

Our routing and transit number is 261191334. It is also located at the bottom of your checks. Starting from the left corner, it is the first nine digits. Your account number is also located at the bottom of your checks in the center and starts with 71106. It will be a total of 13 digits.

Yes. The National Credit Union Administration (NCUA), a federal agency, insures your accounts up to $250,000. Click here for NCUA’s Share Insurance Estimator

Yes. Members may have more than one loan. All loans are subject to credit approval.

When you receive your VISA Debit Card, your card must be activated before it can be used. To activate and set a PIN for your VISA Debit Card, call toll free 1-800-757-9848. Be sure to have your debit card available and follow the prompts. Once you follow the steps and choose your new PIN, it is activated immediately. This number can also be used to change an existing PIN or request a new PIN if you have forgotten the current PIN. If you have questions or need further assistance, please contact us.

  • ATM daily limit: $510
  • POS daily limit: $1500

If you need to temporarily change these limits, please contact us one day in advance during regular business hours. There is a $10 fee for same day increases.

Report a lost or stolen North Main Credit Union MasterCard Visa® Debit Card by calling 800-472-3272 or 706-894-9060 during regular business hours.

You can NOT use your MasterCard outside of the U.S.” The second line should read: “You can use your Debit Card outside of the U.S., but we will need to flag your account to ensure your card will work in the country in which you plan to travel. You will want to provide us with the dates and locations of your travel. You may do this by calling (706) 894-9060 during regular business hours. There may be international fees applied to your transaction.