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Checking Account FAQs

A checking account is your home to cash checks, set up a direct deposit from your job, and pay bills. As a cornerstone to your financial well-being, it’s often the first account people open after breaking up with their piggy bank. (And you thought people who didn’t like piggy banks were afraid of change!)

Right about now, you are probably afraid of more bad jokes. So let’s get to your checking account questions, which are mostly joke free.

Why should I open a checking account?

A checking account is a convenient, secure way to access your money. At Numerica, we are all about helping you live well financially. We make it easy to use your checking account to keep your money organized and protected. Our accounts are federally insured by NCUA.

Where’s the checking account routing number?

Your routing number is the first series of numbers on your check. This nine-digit code works like an ID number for your financial institution. Numerica’s routing number is 325182690.

Numerica generic blue check highlighting routing number placement

Where's the checking account number on my check?

The second series of numbers on your check is your account number.
The set of numbers right after that is your check number and should be the same as the number in the upper right-hand corner of the check.

Numerica blue generic check highlighting placement of account and check number

Taken all together, the three numbers across the bottom of a check communicate the financial institution the check will be cleared by, the specific account the money will be taken from, and the check number used to identify the transaction.

How do I find my checking account number online?

Sign into your account online. On the home page under “Account Summary,” your checking account is listed. Under “Number,” you can view the full account number (listed as “Full Acct No”).

Note this full account information requires logging into Online Banking and is not available through the Mobile App.

What’s the easiest way to see my checking account balance?

See your account balance on our mobile app,  online, text alerts, or by asking Alexa®.

Can I open a Numerica checking account online? If so, how?

Absolutely! Start your application now, and open a Numerica checking account from the convenience of your home.

You can also open your account by calling 800.433.1837 or stopping by a Numerica branch.

How do I order checks?

We will help you order your initial checks when you set up your checking account setup process. Ready to reorder? Head to www.OrderMyChecks.com or call 877.585.8777. Have Numerica’s routing number and your account number handy when it’s time to reorder.

If your name or address has changed, this should be updated before ordering new checks. Call 800.433.1837 or stop by a Numerica branch to update your account information.

When are my funds available after a deposit?

It depends on the type of deposit and how it is deposited.

Same-day availability: Electronic direct deposits are available the day a deposit is received.

Next-day availability: U.S. Treasury checks, wire transfers, and checks drawn “on us” (a Numerica account) are available on the first business day after the deposit is received. Additionally, the following deposits made in person to a Numerica employee are available next day: cash; state and local government checks payable to you; cashier’s, certified, and teller’s checks payable to you; Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders payable to you.

Other check deposits: A portion of the funds are available on the first business day, with remaining funds available the second business day. The precise amounts depend on how the deposits are made.

ATM deposits: Deposits made at ATMs owned and operated by Numerica are available based upon the schedule listed above. Deposits in non-Numerica ATMs are available for withdrawal on the fifth business day.

More info (including exceptions and holds): Complete information about timetables governing the availability of deposited funds, including exceptions to the schedules above, is available in Numerica’s Funds Availability Policy Disclosure. A copy of this policy is provided when you open an account and is available at Numerica branches.

Does opening a checking account affect your credit score?

No. Your credit report only tracks your credit and debt.

Additionally, your checking account isn’t impacted by a low credit score. However, bad credit could impact your loan rates if you need a car, credit card, or if you decide to buy a home. It’s always a good idea to find ways to improve your credit.

Your ChexSystems record, on the other hand, could impact your checking account. ChexSystems identifies people who present a risk because of mishandling funds. If you’ve written a series of checks with non-sufficient funds (NSF), this isn’t reported on your credit score, but it could be reported to ChexSystems.

A poor ChexSystems report doesn’t necessarily mean you can’t open a Numerica account. At Numerica, our priority is your financial well-being. We offer a variety of options to help members build successful checking accounts — as well as establish or rebuild credit.

What happens when my checking account goes negative?

We get it. Life moves — sometimes a bit too quickly — and the funds you expect to be in your account may not be.

A checking account that goes negative triggers overdraft fees. While the best way to avoid overdraft fees is to limit your risk of insufficient funds, Numerica does offer members three layers of overdraft protection.

Standard Protection is provided for every member and covers checks, in-person withdrawals, automatic bill payments, and other electronic transactions with a $30 fee for each instance, up to five per day.

Courtesy Pay* is another service members in good standing may enroll in to cover ATM and debit card transactions. There is a $30 fee for each item paid, up to five per day.

Transfer Protection is another opt-in service that allows your checking account to be linked to a Numerica savings account that will be used to cover the overdraft (as long as funds are available). Transfer Protection is offered for free twice per month, with any additional transfers $5 each. To enroll, simply call 800.433.1837.

How do I know which checking account is the best choice for me?

Numerica has two different free checking accounts: Free Checking and Bonus Checking. With Bonus Checking, there is no minimum balance or monthly fees after opening your account. Both accounts let you customize your debit card with either a Numerica motif or designs celebrating local colleges, including Gonzaga, EWU, and Whitworth.

Can a personal checking account be used for business?

On the surface, this may seem like an easy solution, but it’s a definite no-no. Using your personal account for your business transactions can affect your legal liability.

As soon as you register your new business, you should open an account specifically for it — even if it’s a home business or side-hustle.

Since businesses come in all shapes and sizes, Numerica has a diverse line of products to serve them, including several business checking account options. We can match your business needs to the right products. Visit a nearby branch to open your account today.

How do I get my debit card for my checking account?

When you opened your checking account, you should have received a debit card either in the mail or at the branch.

If you have misplaced your debit card, you can activate Card Freeze until you can find it or replace it with a new card. Using the Mobile App, you can freeze or unfreeze your card in seconds at any time.

If you believe your card is lost or stolen, please contact us immediately at 800.433.1837 so we can permanently block the card and send you a new card with a new number.

Have you heard the one about the guy who opened a checking account?

Representative: Would you like a savings account, too?

Guy: No, thank you.

Representative: OK, just checking.

What accounts are best for you? Let’s talk! Call 800.433.1837 or stop by your favorite Numerica branch today.

Today's Rates

July 29, 2021

Home Equity Line of Credit

as low as 3.50% APR


as high as 0.90% APY

Visa Rates

as low as 7.99% APR

Auto/Truck (New/Used)

as low as 1.74% APR

Bonus Checking

0.90% APY