North Central Area
North Central Area supports FedNow and RTP. Zelle participation has not been confirmed.
Houghton Lake, MI · NCUA Charter #61953
http://www.ncacu.org2665 Reserve Rd, Houghton Lake, MI, 48629
Contact info sourced from NCUA's quarterly call report data. Directory data last synced July 18, 2026. See methodology.
- Community confirmations
- 0
- Community confirmations
- 0
Submit Route Report
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Report early direct deposit
Did a paycheck or benefit show up early at North Central Area?
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Sending from North Central Area
Rails observed when North Central Area was the sending bank.
No sending reports yet for North Central Area. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into North Central Area
Rails observed when North Central Area was the receiving bank.
No receiving reports yet for North Central Area. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
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Frequently asked questions
Does North Central Area support FedNow?
Yes. North Central Area appears in Federal Reserve's FedNow participant list, confirmed July 9, 2026.
Does North Central Area support RTP?
Yes. North Central Area appears in The Clearing House's RTP participant list, confirmed July 9, 2026.
Does North Central Area support Zelle?
This hasn't been confirmed. North Central Area does not currently appear in Zelle's partner directory, and no community reports have confirmed this rail for this bank yet. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does North Central Area have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for North Central Area yet.