Frequently Asked Questions
Find answers to frequently asked questions.
Getting Started
Pillur was launched in 2024 by Michigan State University Federal Credit Union and is specifically designed not just to help business owners bank better but to ignite possibilities and potential, too. Because when finances are under control, an entrepreneur can truly soar.
- Better business banking
- Faster business management
- Simpler business borrowing
- Smarter business support
Pillur: Business Banking Built Better. Open your account today.
Pillur offers business checking, savings, and money market accounts, as well as flexible business, SBA, real estate and construction loans, and business lines of credit—all backed by more than eight decades of business banking expertise.
Pillur: Business Banking Built Better. Open your account today.
Looking for a loan or line of credit? Complete your Pillur application today.
Pillur is specifically designed to help business owners create stability, open new doors of opportunity, and provide new paths to growth. No matter your business experience, we have the financial expertise, resources, and knowledge needed to develop and strengthen your financial know-how.
You can open a Pillur business checking, savings, or money market account here or use the [Open an Account] button at any time.
Depending on how you’ve formed your business’s legal structure, you may also need:
- The address and phone number of your company
- The name(s) of the people who will be listed as account owners
- A government- or state-issued ID for you (and those of joint account holders)
- Personal identification such as your driver’s license
Additionally, please gather documentation that proves the existence of your business, such as:
- Its federal tax ID number for the business, also known as an employer identification number
- Beneficial ownership documentation, if applicable
- Your Social Security number (if you’re a sole proprietor)
- State or local authority documents that show you’ve formed a legal entity, such as a limited liability company (LLC)
Finally, locate your account and routing number from your existing financial institution to help you fund your new Pillur.
Pillur: Business Banking Built Better. Open your account today.
At Pillur, we minimize monthly fees to allow you to invest in the success of your business. See our fee schedule for additional information.
Yes! The Pillur business banking app is available for both iOS and Android devices. Follow the links below to install your app today.
Download Pillur in the App Store | Download Pillur on Google Play
We strongly recommend that you use a smartphone and download the Pillur app from the App Store or Google Play. Our app will allow you on-the-go access to most of Pillur business banking features, including the ability to make mobile deposits and receive authentication for one-time passcodes (OTPs) on your phone.
However, if you don’t have a smartphone, you can bank with Pillur from a computer or tablet.
Yes! As a Pillur member, you have access to all MSUFCU ATMs, plus any of the 30,000+ ATMs within the CO-OP network, without a fee from us. Additionally, you can withdraw funds at any Pillur or MSUFCU branch location at no cost.
Cash can also be withdrawn from virtually any other ATM worldwide (subject to additional charges) or at a merchant that allows cash-back transactions using your Pillur Visa® Business Debit Card.
Here are our current rates, which will be regularly updated as rates change.
Pillur member support specialists can assist you and your business between 8 a.m. and 8 p.m. ET, Monday through Friday (excluding federal holidays.) Call us at (833) 533-0678, email support@pillur.org, or send us a secure message within Online Banking. Please do not include sensitive account information via email, and remember to include a detailed description of your question or need for support.
Account Opening and Setup
The Pillur routing number is 072486908.
Your Pillur business banking account number is available in Online Banking and your Pillur app. To find your account number:
- Log into Online Banking or the Pillur mobile app.
- Choose your Business Checking account and switch from Transactions to Details view.
- Tap or click the “eye” icon to reveal your complete account number.
Your account number can also be found on your monthly statement.
If you have trouble locating your account number, please call (833) 533-0678 for assistance.
Once your account is approved, you will receive an email to enroll in Online Banking. Follow the enclosed link, then tap or click Enroll Now to begin.
Once you’ve enrolled and created your username and password, download the Pillur app to bank on the go. The Pillur app is available for both iOS and Android devices. Follow the links below to install your app today.
Download Pillur in the App Store | Download Pillur on Google Play
If you have any questions regarding this process, please call (833) 533-0678 or email us at support@pillur.org
We use your Social Security number to help verify your identity as the person opening a new Pillur business banking account. Additionally, if you are a sole proprietor, you can use your Social Security number instead of your EIN/TIN when asked.
In many cases, your Pillur business banking account can be opened and functioning in as little as one business day after we’ve reviewed your personal identification and business documents.
Once it’s open, fund your account by ACH or an external transfer, making a mobile deposit, or scheduling a direct deposit.
You’ll receive your Pillur Business Debit Card within 7-10 business days. Once it arrives, activate your card (and create your PIN) within Online Banking or the Pillur app.
We’ve made it easy to fund your new Pillur business checking, business savings, or money market account during the account opening process. Once your account is open, you can fund your account by ACH or an external transfer, making a mobile deposit, or scheduling a direct deposit.
Deposited checks received before 4 p.m. ET will post the same day, barring any potential holds on funds. ACH funds are made available within 4 p.m. ET business days.
Yes. Transfers can be scheduled to pay at any time in the future and can also be set up to pay on a recurring schedule. Certain restrictions apply to the type and frequency of transfers when future-dated.
Visit Online Banking, select Pay & Transfer, and follow the instructions shown on your screen.
To verify an external account, simply enter your username and password from the external financial institution, then follow the instructions shown on your screen.
Business checks can be ordered online at Shop Deluxe or by calling (800) 865-1913 between 8 a.m. and 8 p.m. ET, Monday through Friday.
Account Security
Yes, your business funds are safe at Pillur.
At an account level, we offer several features to protect your business finances:
- User Entitlements allow you (or someone you choose) to delegate cash management activities related to your Pillur business account without giving up account control and security.
- Positive Pay lets us verify every check presented against pre-submitted details, like check number and amount, to prevent fraudulent checks from draining your business account.
- ACH Positive Pay works similarly to check Positive Pay. Once you submit details of authorized ACH transfers (payments or debits) to us, we’ll verify each attempted ACH transaction against your list, helping prevent unauthorized withdrawals.
Pillur accounts are held at Michigan State University Federal Credit Union where savings are federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government.
First. change your Online Banking username and password and enable Text Alerts if you haven’t done so already. Next, go to Online Banking or use your Pillur app to lock your debit card and prevent unauthorized transactions. Finally, call our Member Support team at (833) 533-0678 between 8 a.m. and 8 p.m. ET, Monday through Friday (excluding federal holidays) to review your account.
At Pillur, we take your account security seriously. If you suspect fraud, call our Member Support team at (833) 533-0678 as soon as possible. If you prefer, send us a secure message within Online Banking. Remember to include a detailed description of any fraudulent activity that’s taken place.
You can prevent debit card transactions by locking your card when you’re off the grid or if you lost your card. Tap or Click Manage Cards in the More menu of Online Banking or your Pillur app.
No—just enable Foreign Transactions within Online Banking or the Pillur app to ensure your transactions go through.
Features
Pillur offers ACH transfers—a great way for your business to pay and get paid!
- ACH (Automated Clearing House): Think of ACH transfers like sending a check electronically. They use a network to process batches of transactions, so they can take 1-3 business days to complete.
Invoicing and Payments
Your business can send custom invoices to clients through Pillur Online Banking. Here’s how it works:
Online Banking:
- Click Invoices, on the left side of your screen.
- Click the + New Invoice / Quote button.
- Choose the business and client the invoice is for.
- Complete the invoice, add a custom note or any files you’d like to attach. Then click Next.
- Select how you’d like to receive payment, then Save and Send if you’re ready to invoice your client at that time.
Pillur offers ACH transfers — a great way for your business to digitally exchange money:
- ACH (Automated Clearing House): Think of ACH transfers like sending a check electronically. They use a network to process batches of transactions, so they can take 1-3 business days to complete.
You can also use Bill Pay (within Online Banking) to schedule and pay your bills from your computer, tablet or, mobile phone.
In addition to helping you create and send invoices, Pillur helps you automatically track expenses, mileage, and taxes.
- Mileage Tracking: Automatically track your miles using your phone’s GPS (background friendly). Categorize work trips to calculate tax deductions.
- Income Tracking: Connect your business accounts (like Uber or PayPal) for automatic income tracking and labeling.
- Expense Tracking: Ditch the paper! to track your business expenses and eliminate receipt headaches automatically!
- Tax Estimation: Pillur provides estimates for federal, state, and self-employment taxes based on your income and expenses. Stay informed and manage your finances with ease.
User entitlements allow you (or someone you choose) to delegate cash management activities related to your Pillur business account without giving up account control and security.
Pillur lets you set up custom account permissions (like paying bills, transferring money, sending ACH payments, and wiring funds) and spending limits for individual business account users or groups – then review, approve, or edit them from your app or within Online Banking.
Absolutely. As automated cash-management services used to match checks initiated by businesses with those it presents for payment, Positive Pay and ACH Positive Pay are essential in fighting fraud and keeping businesses like yours from losing money.
Debit Card
First, visit Online Banking or use your Pillur app to lock your card and prevent unauthorized transactions.
Next, call our Member Support team at (833) 533-0678 between 8 a.m. and 8 p.m. ET, Monday through Friday (excluding federal holidays) to order a replacement debit card.