Account Access Always
at your Fingertips

There are countless reasons to borrow. Fortunately, there’s an BBNCU loan product that’s perfect for you. Find options to make borrowing work for you! Check out our Rail Advantage Loan Refinance Program.

Virtual Branch is Brainerd BN Credit Union’s online banking site. It allows you to conduct financial transactions 24/7 around the world. 


  • Bill payer 
  • Multiple account access 
  • Online applications 
  • Print copies of checks
  • Set up account alerts 
  • Transfer fund and make loan payments
  • View account balances
  • View account history 
  • View loan and share information

An easy and secure way to pay bills and manage your finances. 

  • One time set up for automatic payments
  • Transfer money between your accounts at multiple financial institutions
  • Easy access through virtual branch
  • Safe and secure

Find the bill payer tab on your virtual branch now!

With Brainerd BN Credit Union’s mobile app, you can view account history including cleared checks, deposits, and withdrawals, view loan and share information, and make transfers and payments. 

Our mobile app has special features including fingerprint login, instant balances, mobile deposit for checks. 

  • Download “Brainerd BN Credit Union” from your app store. 
  • Open the app and enter your virtual branch online banking logon ID and Security Code. 
    • If your logon ID is your account number, you need to add 0’s to the front pf the account number to make it a 6-digit number
  • Your finances at your fingertips! Deposit your check directly into your account with the Brainerd BN Credit Union app!
    • To use: Endorse your check as follows:

    For Mobile Deposit Only

    Brainerd BN Credit Union 

    Signature and account number

    • Using the app, take a picture of the front and back of the check (See example) 
    • Checks deposited before 3:00 pm will generally appear in the account after 4:00 pm that day  
    • Any checks over $500 will require manual review by the BBNCU staff and may be subject to delayed funds availability
    • Checks over $2,500 cannot be deposited using the mobile app unless approved beforehand by BBNCU staff
    • Daily limit for depositing checks is $2,500
    • Members must apply with a Member Service Representative for mobile deposit
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Contact Us

BBNCU Credit Union Office

804 Laurel Street Suite #101
Brainerd, MN 56401

NMLS ID: 619332
Routing Number: 291973357

Phone: 218-829-9065
Toll Free: 877-829-9065
Fax: 218-829-2568