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Shared Branching     Mobile Banking     Contactless Debit Cards     Virtual Branch     Service Access Guide     Credit Sense     Debit Card Services     VISA Account Updater     Text Fraud Alerts

Important Shared Branching Update

Effective May 1, 2025, all Shared Branching users (who utilize a Shared Branch in another state) will be required to preload their state-issued driver’s ID into IDCheck before using a participating Shared Branch location.

The changes are meant to add another layer of security by enhancing the verification process for your account. If you are a Shared Branching user planning to visit other Credit Unions within the Network, please follow the instructions below to ensure a smooth experience when conducting your transactions at other Credit Union branches.

Here Is What You Can Expect From The New IDCheck:

When you arrive at the branch, or before, you will be asked to scan a QR code or visit verify.coop.org with your mobile device and follow the instructions on the screen to get a member verification code.

1. Enter your Credit Union’s name – will be able to choose from a drop-down list.
2. Enter your Member Number and last 4 digits of social security number.
3. Take a picture of the front of your government issued ID.
4. Take a picture of the back of your government issued ID.
5. Take a Selfie
   The ID is stored so this can be reused instead of taking a new photo every time. The Selfie is also stored so this can be reused instead of taking a new photo every time.
6. You will be given a verification code – this code is good for 20 minutes and must be provided to the Teller prior to performing the transaction.
7. Proceed to the Teller and provide them with your verification code.
8. Complete transaction as normal

If you are not able to get a verification code this does not mean your transaction cannot be performed. The teller may be able to verify you by means other than the New IDCheck system. Need more information on this new IDCheck system for CO-OP Shared Branching? Reach out to us we will answer any questions you might have.

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Have you got our Mobile Banking App?

Access your accounts anytime any place with the Nashville Post Office Credit Union App. We know your life is busy. Our mobile app is a convenient, secure, and fast way to conduct your credit union transactions. The mobile app allows you to:

• Check Balances
• View Transaction History
• Pay Bills From Your Account
• Transfer Money
• Make Loan Payments
• Set Up Alerts and Notifications
• View ATM Locations
• See Loan Specials
• Find Share Branching Locations
• Access The Credit Union’s Website.

If you have home banking and a smartphone you can download the app on the Apple App Store or Google Play. If you have an iPad, you can download the app from the iPhone section. You can log into Mobile Banking with the same User Id and password that you use for Virtual Branch home banking. If you change your password in one it will change it in the other program because the same credentials are used for mobile banking and home banking. For more information see our Frequently Asked Questions.

Frequently Asked Questions

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We have Exciting News! We have gone contactless

When your debit card expires you will receive a contactless debit card. Just look for the contactless symbol on the payment terminal. Then tap your card to the front of the POS terminal. Wait for a beep or green light before removing your card. You will still have the option to tap, insert, or swipe your debit card.

Secure Transactions

• Every chip transaction and every contactless transaction includes a unique code, helping to protect against fraud and keep your information safe.
  
• The information on your card is protected by unique keys.
  
• Contactless transactions only work within 1-2 inches from the point-of-sale terminal.
  

If you wish to have a contactless debit card before your card expires there will be a $10.00 fee.

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Virtual Branch and Bill Pay: It’s fast, easy, and free!

All information from the old systems including your Login ID, Security Code, six months of payment history, all payees and payment information will be moved to the new Virtual Branch Next and Bill Pay systems. We will no longer use a Security Phrase in the new Virtual Branch.

In addition to a fresh new look that makes it easier for you to perform everyday functions, our new NPOCU Online Banking will offer you:

• Virtual Branch Next. With the new look Virtual Branch Next, it makes it easier to navigate home banking. Our new system offers personalized alerts that allow you to receive notifications based on account activity, making it easy for you to stay on top of your money. We have a help guide to help you navigate through the upgraded system.
  Virtual Branch Next Help Guide
  
  
• Better communication with us. If you have a question about a specific transaction, NPOCU Online Banking will offer secure communication with our "Message Center" during normal banking hours to get it answered.
  
  
• Bill Pay. You can continue to pay bills without missing a beat. Payee addresses and your payee account information will be brought into the new NPOCU Online Banking automatically. We have a Bill Pay Help Guide to help with the new look of the service
  Bill Pay Help Guide
  
  

As always, we thank you for choosing us for your financial needs and we look forward to bringing you the new and improved Online Banking experience.

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Service Access Guide

We have created this easy guide/chart to show you where to go to access a NPOCU service. Service Access Guide

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Get your free credit score with our new Credit Sense financial tool!

Credit Sense financial tool is built right into our already easy-to-use Online Banking and Mobile Banking App, so you don't need a new login. Benefits of checking your score today include the ability to:

• Receive monitoring alerts;
• Identify credit bureau errors; and
• See best rates available for you based on your score!

To enroll in Credit Sense simply log into your Home or Mobile Banking and click on the quick link to your credit score. Credit Sense will ask some enrollment questions to verify your identity and then you are ready to use it.

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New Debit Card Services

Premium Texting
A Premium texting service has now been added to the NPOCU Debit Cards. Premium texting will allow you to receive and respond to Fraud Alerts via text message on your phone. When a fraud case is created, eligible cardholders with a valid text address on their card will be sent a Fraud Alert text regarding their card immediately between the hours of 8:00 am – 9:00 pm local time to the phone number on file. The name on the text you will receive will be Nashville PO CU.

Call Center
Our Debit Card call center can now handle additional calls after hours when you need help with your debit card. Have you ever needed to report that you were traveling or needed a temporary increase on the limit on your card? Our Call Center at 800-472-3272 can now help you with that. You will be emailed or texted a one-time passcode that you will provide to the call center. Once verified, the call center will be able to help you with many options.

To sign up for both of these services, please contact our member services department at 615-871-4221. We just need your cell phone number and your email address to sign up for both services.

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VISA Account Updater

The NPOCU Debit and Credit cards provide the automatic Visa Account Updater (VAU) service as a free benefit to you.

Are there merchants you have given your Debit or Credit Card to keep on file for recurring payments? If so, this applies to you.

Whenever your card(s) expire, are lost, or stolen and new cards are issued, the service may update relevant card data (card number and expiration date) to appropriate merchants who participate in an effort to facilitate uninterrupted processing of your recurring payments.

Examples of Recurring Card Transactions	Examples of Account on File Transactions
Netlix, Hulu, or other streaming services	Uber, Lyft or other ride services
Monthly Utilities	Online Shopping Websites
Gym Memberships	Online Payment Services
Insurance Premiums	Presriptions
Recurring Charitable Donations

To Opt Out of this service anytime, please contact Member Services at 615-871-4221.

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Visa Credit Card Text Fraud Alerts

We have new fraud protection tool for your peace of mind on your Visa Credit Card. If unusual transactions occur on your credit card, you will receive texts and/or emails asking you to confirm if the suspicious purchases are valid or not. We will only ask you to verify purchases. We will not ask for your account numbers or personal information. Please make sure you update your contact information with the credit union in order for us to reach you in a timely manner to prevent any fraudulent transactions on your account.

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