| Q. |
My debit card is lost/stolen. What should I do? |
| A. |
To report a lost or stolen Debit or ATM Card call
1-800-528-2273 |
| |
To report a lost or stolen VISA Credit Card call
1-800-299-9842 |
| |
|
| Q. |
What are your hours of operation? |
| A. |
View our hours on our locations
page. |
| |
|
| Q. |
What is the monthly fee for Share Draft (checking)? |
| A. |
There is NO MONTHLY FEE for your Share Draft
account. See our fee schedule and member services section
for more information. |
| |
|
| Q. |
Do I have to maintain a minimum balance in Share
(savings)? |
| A. |
A $25 minimum balance is required to avoid a monthly low
balance service fee. You will find that our Share account
generally pays a higher rate of return, called dividends,
than at other financial institutions. |
| |
|
| Q. |
Do you place a hold on payroll checks? |
| A. |
No – the funds are available in your account
immediately. This means you save time, as you don’t need to
cash your check before coming to the Credit Union. With
direct deposit, you can save valuable time by avoiding the
need to visit the Credit Union. |
| |
|
| Q. |
Can I have my payroll check deposited directly into
my Credit Union account? |
| A. |
Yes! Simply contact the Credit Union and/or your payroll
department for more information. |
| |
|
| Q. |
Will I have to close my account at the Credit Union
if I leave my job or relocate? |
| A. |
Absolutely not! Remember, "Once a member, always a
member"! |
| |
|
| Q. |
Can my family members join the Credit Union? |
| A. |
Yes – all family members are eligible for membership.
Contact a credit union representative for further details. |
| |
|
| Q. |
Does the Credit Union offer first mortgages? |
| A. |
Yes we do offer first mortgages. For more information
and calculators, click here. |
| |
|
| Q. |
How do I check the balance on my Visa Card? |
| A. |
You can speak to someone about your account during
normal business hours or you can check it online, 24 hours a
day. |
| |
|
| Q. |
How can I check my Credit Union deposits, checks
cleared, and account balances during the day/or after hours? |
| A. |
By using Audio Teller, the Credit Union’s Audio Response
System. The service is FREE and allows you access to your
account(s) 24 hours a day, seven days a week. Call
866-790-4553.More information and complete instructions are
available online. |
| |
|
| Q. |
Where may I use my ATM card? |
| A. |
Your Credit Union ATM card is accepted at any outlet
which displays the Cirrus or Presto! logo. To find an ATM
near you that you can use, try our online ATM locators. |
| |
|
| Q. |
How long do I have to be a member before I can apply
for a loan? |
| A. |
There is no waiting period. As a matter of fact, you may
become a member, and apply for a loan at the same time. You
may complete our loan application online. |
| |
|
| Q. |
What is my "PIN" number? |
| A. |
It is either a 4-digit number which you have selected or
a random number assigned for your ATM or Visa. |
| |
|
| Q. |
What is the difference between a Credit Union and a
Bank? |
| A. |
Credit Unions are not for profit cooperative financial
institutions which generally have favorable interest rates
or borrowing and savings programs as well as lower service
fees. |
| |
|
| Q. |
May a "joint owner" on an account open an account in
his or her name? |
| A. |
No. A joint owner is not a member of the Credit Union.
However, all family members are eligible to join. |
| |
|
| Q. |
May recurring "bill segments" be debited from my
account(s) at the Credit Union? |
| A. |
This can be done through our online bill paying service.
Also, most merchants can set up recurring payments from your
Share or Share Draft account(s). |
