Frequently Asked Questions

Find Answers to Many Common Questions.

Here we answer many of the common questions that our members ask. Not finding the answer to your question? Contact us today and we will help.

How do I report a lost or stolen card?

To report a lost or stolen card during business hours, please contact us directly. If it’s outside of regular business hours, use the following contact information:

Visa® Credit Card

Visa® Debit Card
Report a lost or stolen Visa® debit card: (855) 810-0173.

How do I reorder checks?
Please contact the NSP Credit Union at (651) 228-7668 during business hours to re-order checks.
How do I set up direct deposit?

Xcel employees can set up in the MyHR website.

All others need to set up with their Human Resource department with the Routing# 296076123 and their NSPCU account#.

How do I set up online banking?
Create an account by enrolling today.
How do I make a loan payment?
Make a loan payment anytime — from any financial institution. Portal Pay makes it easy.

  • Easily make loan payments online, anytime
  • Enter your routing number and checking account number — even if it’s with another institution
  • Safe, secure, and easy-to-use

Make a Loan Payment

*Payments processed after 3pm will be processed the next business day. Portal Pay is only for loan payments, not deposits. There is a $2 fee for payments made using Portal Pay.

What is my routing number?

The routing number for Northern States Power Credit Union is 296076123.

Does NSP offer notary service?
The next time you need something notarized, stop by NSP St. Paul Credit Union. We offer free notary services to all our members. Please bring a government-issued ID.
Does NSP offer wire transfers?

Move money across the country. NSP St. Paul Credit Union offers domestic wire transfer services.

Incoming wire transfers: $0
Outgoing wire transfers: $20

How do I refer a co-worker or family member?

Encourage an Utility Industry Co-worker, or family member to join the Credit Union and both of you will be rewarded with $25 for opening a new membership savings account, along with one of the following services:

1) Direct Deposit

2) Approved Credit Card

3) Completed Loan

4) Checking Account

Bonus: If within 30 days, you add new, additional services from the list above, you will both earn an additional $25 per option.