COVID-19 Hours We Can Help Account Access Contact Us Your Money is Safe FAQ

Year End Review

2020 started off normal enough. Plans were progressing on our new office in Big Lake. We successfully conducted another record-setting Chain of Hearts fundraiser for CU4K and the Children’s Miracle Network. In February, we live-streamed the presentation of the check to Gillette Specialty Healthcare, followed by yours truly taking a pie in the face.  News of a virus in China began to be discussed more each day. 

By mid-March we began to see the effects of COVID-19 disrupting our daily lives. Events were cancelled, businesses were forced to close their doors and we saw our youth shift to online learning – our lives ground to a halt.  Stay at Home mandates were issued. Terms like “essential workers,” “social distancing,” and PPE were becoming part of our vernacular.

Closer to home, Minnco began to reduce hours of service in our lobbies and encourage members to use our drive-thrus and online and mobile banking options. We split staff into rotating shifts to reduce the possibility of needing to shut down an office. Safety protocols were developed and put into practice to ensure the health of our members and staff.

As businesses closed and people began to lose their jobs or have their hours reduced, we immediately began to assist members facing financial difficulties. We waived fees, deferred payments on loans, and created our AnyDay Line of Credit.

Due to COVID-19 restrictions, Minnco was forced to hold its first virtual annual meeting on June 15, 2020. One week later, on June 22, the doors to Minnco’s sixth office opened in Big Lake!

Any hope that COVID-19 would be short-lived was beginning to disappear as summer rolled on. Members were quick to adapt to drive-thru service and the use of our online and mobile banking continued to grow in popularity. Loan growth remained strong as members applied for and closed their loans electronically, without the need to visit an office.  However, you can meet with an employee by setting up an appointment on our home page at

In the fall, Minnco added deposit capability to most of its ATMs. This allows members to make deposits of either cash or checks at Minnco ATMs, providing another convenient way for members in addition to drive-thrus and SnapDeposit.

In November Minnco launched the NetGiver app, a free app available for both Apple and Android products. NetGiver allows members to make electronic donations to the charities of their choosing, safely and simply. The benefit to the charities is that 100% of the donations are received, rather than a percentage being lost to fees and processing expenses.

In December Minnco launched Credit Score, powered by SavvyMoney. You can read more about Credit Score in this quarter’s Minnco Messenger or at In short, Credit Score provides members with free credit scores and credit reports, along with useful articles on improving one’s score.

2020 has been a challenging year, for all of us. I want to thank you for your loyalty to Minnco, and your ability to try new things, to adapt, to be flexible to changing hours and new service delivery channels. As we enter 2021 with vaccines now being administered, and more on the way, we hope the worst is behind us and a promising year ahead. One thing that 2020 has taught us is to not take anything for granted and to make the most of each day. 

On a final note, we are planning to post the initial stimulus money(Economic Impact Payments recently passed in Washington D.C.) on Saturday January 2nd.  As we experienced last spring, additional files will likely be provided to us next week.  Please refer to should you have questions on the Economic Impact Payments.

Be Kind. Do Good. Be Safe 

Doug Hallstrom
Services at Branches    back to top ^


We Can Help   back to top ^

AnyDay Line of Credit

Minnco is introducing a new line of credit that offers financial protection for these uncertain times.
  • Unsecured lines of credit to $5,000
  • 0.00% APR introductory rate
  • Click here for more details
You can apply for loans using our 24/7 online application here.  Most loans can be completed without ever needing to visit a branch thanks to electronic signatures.  

Skip A Payments

We are currently waiving the $30 charge for Skip A Payments, and allowing members to skip either one or two or three months*.  Contact a lender to request a Skip A Payment.
* Subject to approval

Loan Assistance

If you are concerned about your finances or ability to pay your loans, please call us. We have multiple ways in which we can help you, including loan modification, skip a payments, interest-only payments, and more.  Contact a lender for assistance.

Account Access   back to top ^


You can do most of your banking 24/7 through eBranch, our online banking service, and MinncoMobile, our mobile banking app!
  • Check your balances
  • Transfer funds
  • Pay your bills
  • Review eStatements
  • Apply for a loan
To enroll in eBranch, click on the "Not enrolled yet?" link in Online Banking Login box in the upper right corner
Click here for more detailed instructions.


MinncoMobile, our mobile banking app, offers you all the same services as eBranch, plus SnapDeposit, all from your mobile phone!
Download the MinncoMobile app from the Google Play Store and Apple App Store!
If you are already enrolled for eBranch, you can use the same credentials to log into MinncoMobile!
Click here for more detailed instructions.


With SnapDeposit, you can deposit checks into your Minnco accounts using your smart phone!  Once you've logged into MinncoMobile, click on the CheckDeposit Icon, take a picture of the front and back of your check and click "submit."
Don't forget: Members are required to write "For Mobile Deposit Only" as part of their endorsement of the check when using SnapDeposit.  Some checks have a checkbox that states the check is being Remotely Deposited and that can be used as well.

Click here for deposit limits and posting times.

ATM Access

One of the benefits of having a Minnco debit card is access to thousands of fee-free ATMs across the country. Minnco is part of the MoneyPass and Co-op Network of fee-free ATMs, which gives our members access to approximately 50,000 surcharge-free ATMs worldwide!

Contact Us   back to top ^

Call or Text Us Contact Us Form Schedule an Appointment
Call Toll-Free 1.866.4MINNCO
Call or TEXT 763.689.1071
Visit our contact us form to submit a question to our connection center. Visit our online scheduling page to set up an appointment at any one of our offices.
Chat Email
Chat with us here using Live Chat 


Within online banking under Live Chat & Support
For questions related to a current loan or a new loan

For questions related to transactions and accounts

For general questions 

Your Money is Safe   back to top ^

The National Credit Union Administration is reminding credit union members of the safety of their deposits in federally insured credit unions. The NCUA also reminds individuals to remain vigilant against COVID-19-related scams. 

Federally insured credit unions offer a safe place for credit union members to save money. All deposits at federally insured credit unions are protected by the National Credit Union Share Insurance Fund, with deposits insured up to at least $250,000 per individual depositor. Credit union members have never lost a penny of insured savings at a federally insured credit union. Additional information on NCUA share insurance coverage for consumers is available at

The NCUA is also reminding individuals to remain vigilant against scams related to the coronavirus. Cyber actors may send emails with malicious attachments or links to fraudulent websites to trick victims into revealing sensitive information or donating to fraudulent charities or causes. Exercise caution in handling any email with a COVID-19-related subject line, attachment, or hyperlink, and be wary of social media pleas, texts, or calls related to COVID-19. Visit NCUA’s Fraud Prevention Center for more information about frauds and scams, including how to report a scam.

Visit the following sites for more information on protecting yourself from scams.


Your Safety   back to top ^

We also want your health to remain safe.  Visit the following sites for tips on how to protect yourself from the Coronavirus and from scams.


Frequently Asked Questions   back to top ^

Are you still providing notary services, wire transfers and cash advances?
Yes, we are offering these services through our drive-thrus and appointments can be made. Make sure to visit the lane closest to the building for these services as they take longer than the typical transactions.

What is the daily cash withdrawal limit?
$5,000. If you require a larger amount, call us at 763-689-1071 with your request. Please contact us the day before you need the withdrawal. We can also issue you a cashier’s check.
If I need to dispute a charge on my debit card, do I make an appointment or come in right away?
Disputes are handled over the phone or by email; there is no need to visit a branch. Call 763-689-1071.
Are there ways I can protect more than $250,000 in my account?
Yes, there are several options. If you and your spouse are joint on an account, this account will be protected up to $500,000. You can each have individual accounts insured for up to $250,000. In this way, you could have up to $1,000,000 covered by the NCUA insurance. To learn more about protecting your deposits, visit
How do I get access to my safe deposit box?
Call 763-689-1071 to schedule an appointment at the office where your box or boxes are located.