Make it possible with NCACU’s ITIN program
At NCACU, we believe that everyone deserves access to financial tools that support their goals, no matter where their journey begins. If you don’t have a Social Security Number (SSN) but have an Individual Taxpayer Identification Number (ITIN), we’re here to help you open a savings or checking account and explore lending options to meet your financial needs.
What is an ITIN?
An ITIN, or Individual Taxpayer Identification Number, is issued by the IRS to individuals who aren’t eligible for an SSN but are required to file federal taxes. It’s commonly used by immigrants living and working legally in the U.S. who are building their financial futures.
With your ITIN, NCACU can help you gain access to essential banking services and loans, so you can save, borrow, and plan for the future.
Open a Savings or Checking Account with NCACU
Having a savings or checking account is the foundation of good financial management. At NCACU, we make it easy to open an account with your ITIN, giving you access to essential financial tools.
What You’ll Need:
To open an account, bring the following documents to your nearest NCACU branch:
- Government Issued Passport OR Mexico “Matrícula Consular” card
- Proof of residency in Michigan (such as a utility bill, lease agreement, or other official documentation).
Benefits of Banking with NCACU:
- Securely manage your money with online and mobile banking.
- Access convenient services like direct deposit, bill pay, and debit cards.
- Checking & Savings Accounts– No monthly fees on many accounts and easy account access with mobile banking.
- Loans for Every Need- Competitive Interest Rates and personal loans for unexpected expenses.
- Credit Cards– Low Interest with rewards programs to build or improve your credit history.
- Financial Education- Guidance on building credit and budgeting effectively
- Money Transfers- Fast and secure international wire transfers to help you stay connected with family abroad. Account to Account Transfers with other financial institutions.
- Build your savings and earn interest.
Why North Central?
- Inclusivity: We proudly welcome members who use Individual Taxpayer Identification Numbers (ITINs). Your financial success matters to us. All you need is your Government Issued Passport OR Mexico “Matrícula Consular” card and proof of residency in Michigan.
- Personalized Service: Our bilingual team is here to provide
guidance and support tailored to your unique needs. - Accessible Banking: With user-friendly online and mobile
banking services, managing your money has never been easier.
Ready to Get Started?
Whether you’re opening an account for the first time or looking for a loan to meet your needs, NCACU is here to help every step of the way.
- Call Us Today: (989) 910-5135
- Stop by Your Local Branch: Our friendly team is ready to assist you.
At North Central Area Credit Union, we are more than a financial institution—we are your partner in success. Your money is safe and secure with us because we value your trust. Together, we create a brighter future as one family, helping you achieve your goals and providing peace of mind for you and your loved ones. We have Spanish speakers here to assist!
Se habla español. Estamos aquí para servirle.
