Welcome to Alerus!
A partner that’s fully invested in bringing your financial dreams to life.
A partner that’s fully invested in bringing your financial dreams to life.
Your account transition to Alerus is complete!
We invite you to log in to your account and begin utilizing Alerus’ products and services. We look forward to serving you! Below you will find additional resources and FAQs to help as you get started.
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December 9, 2024
Alerus’ routing number is 091300159.
Yes, you can continue to use your current supply of Home Federal checks, and deposit and withdrawal slips for your account. Please contact your banker to re-order Alerus-branded checks as needed.
Yes, businesses may continue to print their own checks. On December 9, 2024, please change the routing number to 091300159 on your checks. Additionally, all checks must be printed with MICR ink.
On Monday, December 9, 2024, your Home Federal debit card will be deactivated and will no longer work. If you try to use your Home Federal debit card after this time, it will be declined. Please begin using your new Alerus debit card on Monday, December 9, 2024.
You may activate your new Alerus Visa® debit card as soon as you receive it. However, you should continue to use your Home Federal debit card until December 9, 2024.
Monday, December 9, 2024
Yes, you will receive a new debit card number on your Alerus Visa® debit card. If you have recurring payments set up on your Home Federal debit card, please contact the vendor and provide them with your new debit card number beginning Monday, December 9, 2024.
Alerus is a member of MoneyPass® — a nationwide network of surcharge –free ATMs. KwikTrip is included within the MoneyPass network. You can use your debit card at more than 37,000 MoneyPass® ATMs — surcharge free — across the country. Additionally, you can withdraw cash from any ATM (non-Alerus, non- MoneyPass®) and we will rebate the surcharge fee on up to two transactions per monthly statement cycle.*
*ATM rebates only apply to ATM transactions in the U.S. for consumer checking clients and are only applicable to surcharges less than $5.
The daily ATM withdrawal limit is $505 for consumers and $550 for businesses. Point-of-sale limits are $2,500 for consumers and businesses if “credit” is selected. Please contact our client service center at 800.279.3200 if you feel these limits will not meet your needs.
We analyze debit card transactions for suspicious activity which may include a sudden change in locale, a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. In the unlikely event we discover a suspicious transaction, we will contact you immediately using an automated phone call to verify the transaction. Please keep us informed of your best contact number.
Debit card transactions are protected by Visa’s Zero Liability Policy, which means that consumers will not be liable for unauthorized transactions using a lost or stolen card so long as you have not been grossly negligent or engaged in fraud. This Zero Liability Policy applies to transactions processed by Visa and does not include ATM transactions, or transactions using your PIN. You are responsible to report any unauthorized use as soon as possible. Alerus follows up on the report and works with you to resolve the situation as quickly as possible.
CardValet® is a free mobile app that allows you to manage how and when your debit cards are used. You can receive usage alerts, set spending limits, choose when and how your card can be used, and turn your card on/off.
Yes, please contact our client service center at 800.279.3200 if you are planning international travel. We will need to know the exact dates of your travel plans, and all countries that you will be visiting. Alerting us of your travel plans will help to avoid restrictions being placed on your card. Keep in mind, we do recommend that you always travel with more the one form of payment (i.e. debit card, credit cards, cash, etc.).
No. Automatic withdrawals, bill pay, and direct deposits will transfer to Alerus and should continue as normal with no interruption. You may be contacted by Social Security to confirm you have changed banks and request your new bank’s routing number. Alerus’ routing number is 091300159.
No, electronic transactions (including pre-authorized transactions, automatic withdrawals, bill pay, and direct deposits) will transfer to Alerus and should continue as normal with no interruption. You may be contacted by payees to confirm you have changed banks and request your new bank’s routing number. Alerus’ routing number is 091300159.
No, if you worked with Home Federal to set up your automatic scheduled transfers between your accounts, they should continue as normal without interruption.
Your Home Federal HSA account access will end at 5 p.m. Central time on Tuesday, December 3, 2024. Your Home Federal HSA debit card will be deactivated and will no longer work at that time. Account access will be temporarily unavailable beginning at 5 p.m. CT on December 3 through December 8, 2024. Please begin using your new Alerus Health Benefits card on Monday, December 9, 2024. Before you can begin using your new debit card, you will also have to log in online or through the mobile app and accept the terms and conditions.
If you know you will need to use your HSA when account access is temporarily unavailable (from December 3 at 5 p.m. through December 8), you can withdraw funds from your Home Federal HSA prior to December 3, or use another method to pay the HSA-eligible expense and submit the receipt for reimbursement through your Alerus HSA beginning Monday, December 9. Remember to retain all receipts for your records.
No. Your certificate of deposit (CD) will be transferred to Alerus at the same rate and terms. Prior to maturity of your CD, Alerus will notify you by mail. If your CD is set to automatically renew, the renewal notice will indicate the next maturity date, which will be based on the currently available term that is closest to your original term. Please contact your banker at that time for available rates and terms.
No. Your IRA will be transferred to Alerus at the same rate and terms. Prior to maturity of your IRA, Alerus will notify you by mail. Please contact us at that time for available rates and terms.
No. All loan payments currently set up for automatic withdrawals will continue as normal.
Yes, your Home Federal business credit will continue to work as normal. You will receive an Alerus-branded credit card when your current card expires.
Yes, you will be contacted directly by Deluxe to coordinate migrating to Alerus’ system.
Yes, merchant services and card transaction settlements will continue unchanged from Home Federal processes. Alerus’ merchant services portfolio is serviced by Elavon.
All scheduled or recurring wire transfers will not be impacted and will continue to be processed as normal. For regular incoming wire transfers, please update the wire instructions to the following on December 9, 2024 (not prior).
Domestic wire instructions:
Foreign Wire Instructions
ACH and check positive pay services will continue with no change.
Yes, many cut-off times are later than prior cut-off times. New cut-off times are as follows (all times listed are Central time and will be effective beginning December 9, 2024).
No. All former Home Federal locations will continue to operate at the same hours. Alerus also operates additional branches in the Twin Cities metro, North Dakota, and Arizona.
Yes, Alerus can help you safely shred all your old Home Federal materials including debit or ATM cards. Bring your items to any of our branches and we will be happy to assist you.