Frequently Asked Financial Transaction Questions
Q: Are my deposit accounts NCUA insured?
A: Yes! Each individual member’s account is Federally insured by the NCUA up to $250,000 per account.
Q: How do I set up Direct Deposit of my payroll check?
A: After your checking application has been approved, you will receive our routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.
Q: How do I set up Direct Deposit of my Social Security check?
A: After your checking application has been approved, you will receive our routing and transit number and your account number. Simply contact us at 205-320-4000, and have your Social Security Number and account information available to set up your direct deposit right over the phone.
Q: Can I get information about my account by phone?
A: Yes! Account information is available for a $3.00 fee with our Member Service Representatives during business hours at any of our offices. Flash Talk Telephone Account Access offers automated account information for free 24 hours a day. We also offer free mobile banking.
Q: Are dividends paid on my checking account?
A: If you want a checking account that pays dividends, take a look at our E-Z Premium account.
Q: Can I open an account if I don’t live in the United States? What if I live in the United States but am not a citizen yet?
A: At this time, you do not have to live within the United States, but you must have a valid U.S. tax identification number (Social Security Number). If you have questions, contact us. We’d like to hear from you.
Q: Can I do all of my financial transactions with you?
A: Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday financial transactions can be performed on your own time. Contact us with questions about your needs.
Q: Can I look at all of my transactions at any time?
A:Yes! With online banking, you have access to your account information 24 hours a day, 7 days a week!
Q: How frequently is my information updated?
A: Your account information is available in real time and is always current.
Q: Are wire transfers possible to and from my checking account?
A: Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.
Q: How do I make a deposit to my account from a remote location?
A: You can do most of your financial transactions by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. We also offer remote deposit capture which allows you to deposit checks by using a scanner with online banking or a smartphone with mobile banking. Contact us for details on a method that’s best for you.
Frequently Asked Online Banking Questions
Q: What is Online Banking?
A: Online Banking is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.
Q: What can I do with Online Banking?
A: You can view account balances and transaction history, transfer money, and download transactions to a personal financial manager and much more.
Q: Is any of my personal information stored in the Internet Banking product?
A: Yes, online banking stores your User ID, password and user preferences.
Q: How current is my Account information?
A: Online banking displays real time account information.
Q: What accounts will I be able to access through online banking?
A:You can access your checking, savings,and loan accounts from online banking. Online banking is intended to give you as much access, security, and versatility as possible.
Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.
Q: What formats can I download my transaction history in?
A: Online Banking supports downloads to Quicken™, Microsoft Money™ or as a comma-delimited text file.
Q: Can I schedule future transfers?
A: Yes. Using the Manage Transfers tab, you can select Future-Dated and recurring transfers.
Q: When can I use online banking?
A: You have access to your account information 24 hours a day, 7 days a week!
Q: What is required to use online banking?
A: In order for your browsing experience to be enjoyable, your browser must be compatible with our list of supported browsers. Please see our list of supported browsers.
Q: How do I access online banking?
A: To access online banking, log into the online banking login screen on our homepage. First time users should use the First Time User link to establish online access to their account.
Q: Can I create my own password that is easy for me to remember?
A: Yes. You can go to User Options/Settings and change your password at any time.
Q: What happens if I forget or lose my password?
A: Just call us and we will take you through the steps needed to get back into the system immediately!