1.       How do I access my account online?

If you have never accessed your Ripco account online, or if you have forgotten your password and cannot answer the three security questions required for a self-reset, please call Ripco Credit Union at 715-479-4491 or toll-free at 1-877-365-4800.  We’ll be happy to reset your account and give you a temporary password for online access.

Once you know your username and password, please go to www.ripco.org and look for the It’s Me 247 online banking login button.  It’s on the left-hand side, near the top of the home page.

Your new username is the same as your new account number, and that is your old (Nicolet) account number with a 4 and as many zeroes in front the old account number to result in a seven-digit user name.

For example:

If your old account number at Nicolet was 123456, your new Ripco account number would be: 4123456;

 If your old account number at Nicolet was 12345, your new Ripco account number would be: 4012345;

If your old account number at Nicolet was 1234, your new Ripco account number would be: 4001234.

2.       Will all of my account history appear on Ripco’s It’s Me 247 online banking site?

If your account was originally with Nicolet Credit Union, your account history on It’s Me 247 will start with December 1, 2011, our conversion date.  

3.       How can I get account history from my former Nicolet account? 

If you have misplaced any of your paper statements from January through November of 2011, we will be happy to provide information as needed.  Please call our Eagle River office at 715-479-4491 for assistance.  Although we normally charge a fee of $5.00 for each statement copy, we will waive this fee through April 2012.  Please only request statement copies if absolutely necessary.  If there is an extremely large demand for statement copies, we will need to ask for your patience in preparing the requested records.  Additionally, we caution you that the statement format will not be exactly as it was in the past.  Although all transaction history will appear on the copies, beginning and ended balances on the reconstructed statements may not be accurately reflected.   

4.    Will we need to order new checks?  What about our direct deposits and automated payments?

For former Nicolet members, your routing number and checking account numbers have changed, but you do not need to order new checks.  You may continue to use your existing supply of Nicolet checks. When it is time to re-order, we ask that you do so using the new, correct routing number and account format.  This may be easier and almost certainly more economical if you order your paper checks directly through Ripco.  Since we print our checks ourselves (in the Rhinelander office) we can provide lower cost and quicker turn-around time.   

The format for electronic transactions and ACH (Automated Clearing House) deposits has changed, but in most cases you will not have to initiate any changes with your scheduled payees or employers/payors.  If a transaction is rejected, you may be asked to provide your new routing number and account number format.

You can help ensure prompt and accurate posting of your payments and deposits if you use the following information when initiating any new ACH withdrawals/payments or direct deposits.

Ripco Credit Union’s Routing number:   291580711 

Checking Account numbers

Your checking account number for electronic and ACH transactions will now be 14 digits long (the same as the MICR code which will be found on all new check orders).  This enhanced format is needed for electronic processing purposes only, and will not affect the number/login you use for online banking. 

The enhanced/electronic format will start with “1” and will be immediately followed by as many zeroes as are needed to create 14 digits when preceding the account number, account type and check digit.

For accounts opened as Nicolet Credit Union accounts:

The enhanced/electronic format will start with “100” and will be immediately followed by your new 7-digit Ripco account number, your Ripco account type and check digit.  Your new Ripco account numbers all start with a “4” followed by as many zeroes as are needed to create a seven-digit number.  This seven-digit number is the same as your initial username for home banking login purposes.

For example:   An original Eagle River account number of 1818-8 (checking account type 70) would have a new Ripco Account number of 4018188 and a MICR line reading 1004018188047X.  In this example, we have the leading “100” followed by your seven-digit Ripco account number “4018188” followed by your checking account type “047” followed by “X” which represents your check digit.  The “X” will be a number between 0 and 9.

We realize this can be very confusing, and apologize for any inconvenience.  For fastest service, please don’t hesitate to call us for assistance at 715-365-4800 or toll-free at 1-877-365-4800.

5.    Why are calls occasionally answered by the automated service even when the credit union is open?

There are five incoming telephone lines at our Eagle River branch, and that number was more than sufficient in the past.  We have been experiencing abnormally high call volume in the early months of the transition, however we anticipate that volume will drop back to more manageable levels in the near future.  In the short term, however, we appreciate your patience and urge you to leave a detailed message in the event your call goes to our auto-attendant/voice mail system.  By telling us the nature of your inquiry, we will be better able to have the appropriate individual return your call as promptly as possible.

6.       Why weren’t we informed of all the changes ahead of time?

Unfortunately there were many variables and unanswered questions right up until the time of the actual conversion.  We weren’t certain exactly what to expect, so rather than transmit information that may have been wrong, we made the decision to simply do our best to address issues as they arose.  In retrospect, we should have perhaps anticipated the worst case scenario and provided notice of all the systems that could have been affected.   Of course, some of the challenges we’ve been facing were completely unexpected.  Certain technical glitches and systems outages have occurred that we had no way of anticipating.  All we can do at this point is apologize and promise that we will make every effort going forward to address your concerns and answer your questions as promptly as possible.  Please understand that everyone on our staff in both the Rhinelander and Eagle River branches is working hard to resolve these conversion issues as quickly as possible.