Common questions

What is Alerus routing number?
How do I log into My Alerus?

Computer

Click Log In at the top of any alerus.com page, choose My Alerus, and select the Go button.

If you haven’t yet registered to access your account information online, it’s no problem. Simply click Sign up.  Then,  follow the instructions on the screen to create your personal login credentials.

Mobile

  1. It is recommended that you download the ‘Alerus Mobile Banking’  app from the Google Play store or Apple Store.
  2. To use Alerus Mobile Banking on your mobile browser, click ‘Menu’, scroll to the bottom and click on ‘Login’.
  3. Select your account type, enter username and password, and select ‘Sign In’.
I forgot my username and/or password.

Don’t worry; it happens! We can help you recover your username or reset your password online.

If you forgot your username:

  • Go to the Forgot Username page.
  • Enter the email address you use for business with us and select Send Username.
  • We’ll send you an email with your username.

If you forgot your password:

  • Go to Forgot Password page.
  • Enter your Username.
  • If the username exists, we will send you a verification code to the email address you provided at registration.
  • After you’ve correctly entered your code, you’ll be able to reset your password.
  • You can then use this new password to log in to your account online.

You can also call us at 800.279.3200 for assistance.​

How do I update my information?

Please contact the Client Service Center 800.279.3200  or visit any Alerus location. A valid identification or other documentation may be required.

General questions

How do I sign up for online statements?

You will automatically be enrolled in online statements.

How do I cancel online statements?

My Documents

  1. Log in to My Alerus
  2. Navigate to My Documents in the top-right corner of the menu.
  3. Select Manage Document Delivery.
  4. Choose your preferred delivery method (online or by mail) for each account.
  5. Click Save to confirm your selections.

Call our Client Service Center at 800.279.3200 to opt out of online statements.

 

I would like to switch my accounts to Alerus. How can I do this?

Our advisors can assist you with switching your accounts. Please find a location nearest you.

What is the Alerus mailing address?

Our mailing address is:

Alerus P.O. Box 6001 Grand Forks, ND 58206 – 6001

Does Alerus send emails and texts?

Email

We may occasionally send messages to you. If you’ve provided us a valid email address, you may opt out of receiving marketing messages by clicking on “opt-out” located at the bottom of the email.

Text/SMS Messages

If you’ve set up specific alerts such as account alerts, we’ll send information as appropriate.

IMPORTANT: It’s important to note that we will never ask for any personal information over email or text. Alerus will never send unsolicited emails or texts asking clients to provide, update or verify their personal or account information, such as passwords, Social Security numbers, personal identification numbers (PINs), credit or debit card numbers, or other confidential information. As always, Alerus respects your privacy. To learn more, visit alerus.com/privacy-legal.

If you receive something that looks suspicious call us at 800.279.3200. 

How do I sign up for email or text alerts?
  1. Log in to My Alerus and select your account.
  2. Click on Summary under the Quick Links section.
  3. Navigate to Settings and choose Add/Edit Alerts
  4. Select the alert you want to add or edit.
Is there a fee for alerts?
No. Alerus does not charge a fee for this service.

 

Online and mobile banking

 

How do I log into My Alerus?

Computer

Click Log In at the top of any alerus.com page, choose My Alerus, and select the Go button.

If you haven’t yet registered to access your account information online, it’s no problem. Simply click Sign up.  Then,  follow the instructions on the screen to create your personal login credentials.

Mobile

  1. It is recommended that you download the ‘Alerus Mobile Banking’  app from the Google Play store or Apple Store.
  2. To use Alerus Mobile Banking on your mobile browser, click ‘Menu’, scroll to the bottom and click on ‘Login’.
  3. Select your account type, enter username and password, and select ‘Sign In’.

 

How do you register to access my account?

Register online by following the steps.

  • Enter your First Name and Last Name.
  • Select a verification method from the dropdown list.
  • Enter your Social Security number, date of birth, phone number (This phone number will be used to verify your identity at login), username, personal email address, and password.
  • Click the “Create Account” button.
  • Next, you will receive an electronic consent form and terms and conditions. Review and click Accept.
    On the next screen, select a phone number and your preferred authentication method (text, call, or authenticator app). Review and click Submit.
  • Enter the six-digit code sent via text or call and click Submit.

Note: The first time you log in, you’ll need to set up 2-factor authentication by choosing how you want to receive verification codes; text, or voice call. We’ll ask for a verification code if you log in from an unrecognized computer or phone, forget your password, or identify anything out of the ordinary. These codes help us confirm it’s really you accessing your account – not someone pretending to be you.

What if I forgot my username and password?

Don’t worry; it happens! We can help you recover your username or reset your password online.

If you forgot your username:

  • Go to the Forgot Username page.
  • Enter the email address you use for business with us and select Send Username.
  • We’ll send you an email with your username.

If you forgot your password:

  • Go to Forgot Password page.
  • Enter your Username.
  • If the username exists, we will send you a verification code to the email address you provided at registration.
  • After you’ve correctly entered your code, you’ll be able to reset your password.
  • You can then use this new password to log in to your account online.

You can also call us at 800.279.3200 for assistance.​

What if I don’t recognize, or I’m not available, at the phone number for the security code?

If you are not available at the phone number listed, you can access your account via the mobile app or by calling the Client Service Center at 800.279.3200

Where do I make a payment?

From My Alerus, click on the Pay Bills tab. Click on the Add a company or person to pay button. From this screen, you can select a category or enter the name of the company or person in the search field.

  • When you select a category, the bill pay system provides a list of businesses that fall into that category, along with their billing information. You will need to add the billing account number.
  • When you add a company, you will need to enter the business name, account number, address, and phone number.
  • When you add a person, the user will need to enter the person’s first and last name, address, and phone number.

Once the biller is added, enter the amount to be paid. Bill pay automatically displays the earliest date the biller could receive the payment. You can accept this date or change it.

  • Available payment dates in blue let you know when the payment will reach the biller. An overnight delivery option may be available for a fee.
  • The money is withdrawn from your account on the payment date or when the biller cashes the check.
  • The date must be a business day that is not more than a year in the future.

ATMs

Where can I find an ATM?

Alerus is a part of the MoneyPass network, offering thousands of ATMs in convenient locations around the United States. Find a MoneyPass ATM.

Is there a fee to use an ATM?

There are no fees for Alerus clients using one of thousands of MoneyPass ATMs to transfer funds, make deposits, inquire about a balance and withdraw cash. Find a MoneyPass ATM.

Fees may apply when using a non-MoneyPass ATM. Look for the MoneyPass logo at the ATM to avoid paying a surcharge.

What transactions can I complete at an ATM?

You can get cash, make transfers between accounts, check account balances. Some ATMS are enabled with the ability to deposit cash and checks.

Checking account

How do I order more checks?

It only takes a few minutes to order checks online.

Do you offer overdraft protection?

Yes, we offer overdraft protection. Please contact us at 800.279.3200  or visit any Alerus location.

How can I get copies of my checks?

If you have My Alerus/Online Banking, you can sign on to view and print checks or you can contact us at 800.279.3200 to request them by mail.

How do I stop payment on a check?

You can stop payment on a check by calling the Client Service Center at 800.279.3200.

Where can I find my bank account number on my check?

Your account number  is specific to your personal account. It’s the second set of numbers printed on the bottom of your checks, just to the right of the bank routing number. You can also find your account number on your monthly statement and within online banking.

Debit card

How do I request a new or replacement debit card?

If you need a replacement card you can do one of the following:

  • Call our Client Service Center at 800.279.3200 and a new card will be mailed to you within 7 – 10 business days.
  • Need your card right away? Stop by any of our branches.
How can I report a lost or stolen card?

Stolen Card

  1. Immediately report the stolen card to Client Service Center at 800.279.3200
  2. If you have the CardValet app, immediately turn “off” your card.

Lost Card

  1. If you have the CardValet app, immediately turn “off” your card.
  2. If you find your card, simply turn it back “on”.
  3. If you cannot find it, please contact the Client Service Center 800.279.3200
How can I dispute a charge?

Clients should try to contact the merchant about the error, if it can’t be resolved through the merchant call our Client Service Center at  800.279.3200 to start the dispute process.

How do I change my PIN?

Please call the number on the back of your card.

I will be traveling outside the United States and plan to use my debit card. What do I need to do?

Call  800.279.3200 and let us know about your travel dates/destinations. Certain countries have restrictions and  can change daily.

Tips:

  1. Download the CardValet app so you can control your debit card.
  2. Download the Mobile Banking app. If you already have the app, make sure it is still active and up-to-date.
  3. Make sure you know your  PIN,.
  4. Make sure you have the Alerus contact phone number and email.

CDs and savings accounts

How long do I have to renew or close my account when my CD matures?

You have 10 days to decide whether you want to change your term or close your account penalty free.

How will I be notified that my CD is going to mature?
Alerus will mail a pre-renewal notice to you 14 days before your CD matures.
How do I renew my CD?

If you would like to keep the same term, you do not need to contact us. If you would like a different term you may contact our client service center or your advisor or stop into a branch.

Will I be charged a penalty for early withdrawal from my CD?
Depending on the term, you may be charged 3 or 6 months’ worth of interest on the amount withdrawn.
How is interest paid on my savings account?
We use the daily balance method to calculate the interest on your account. This method applies a daily period rate to the principal in the account each day. Interest will be compounded and credited to your account quarterly.
When do I start earning interest on my savings account?
You will earn interest immediately on any funds in your account.

 

Home and personal loans

I received an insurance check in the mail with Alerus as one of the payees. What should I do next?

After processing a claim for damage on your home, your insurance company may issue you a check and include our name as one of the payees, since we are your lender. This insurance claim check is called a loss draft check. When you receive a loss draft check, please call 877.592.0192 promptly to speak with a loss draft representative at Dovenmuehle Mortgage, Inc. (DMI), the servicer of your Alerus mortgage loan. Before making the call, please have the following information available for reference:

  • Your loan number
  • Dollar amount of check
  • Copy of insurance adjuster’s report, if available

A loss draft representative will review your situation and explain the next steps to take based on the amount of your loss draft check and status of your loan. DMI will identify whether or not the loss draft check can be signed by them on Alerus’ behalf and released back to you. If DMI identifies your case as a monitored claim, the check will need to be placed into a restricted escrow account, where funds will be disbursed and managed by DMI until all required repairs have been completed.  DMI will provide you with a copy of their loss draft procedures which will outline how disbursements are made from the escrow and if an inspection will be required. To allow time for processing before contractor bills may be due, please contact the DMI loss draft team as soon as possible after receiving a check, and allow at least 10 days for processing of checks mailed to DMI.

DMI Contact information:
Dovenmuehle Mortgage, Inc.
Attn: Loss Draft Department
1 Corporate Drive, Suite 360
Lake Zurich, IL 60047-8924
Email: Lossdraft@yourmortgageonline.com
Phone: 877.592.0192
Fax: 847.574.7617

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Need immediate assitance?

Call 800.279.3200

M-F | 7 a.m. – 7 p.m. CT
Sat. | 8 a.m. – 1  p.m. CT