Debit Cards
How Long Will it Take for Me to Receive My Debit Card?
It normally takes 7-10 business days for your card to be delivered.
If I Travel Out of State, Will my Debit/Credit Card Work?
Some transactions will work, but we suggest putting a travel advisory on your card. All you need to do is give us the State or Country you are visiting and the days you will be there, and we will put the advisory on your Debit/Credit card. Call our Card Services Department at (864) 941-8900, option 6 before your travels.
Why Doesn't My Card Work When I do an Online Order?
There may be several reasons why your debit card is not working for an online purchase. Depending on where the online merchant is located, it could be denied due to our international block on all Debit Card purchases. The merchant could also be a high-risk merchant, and that could cause the transaction to be denied. If you ship an online order to an address other than your billing address, this may also cause a decline.
What Are the Limits on My Debit Card?
The limit for most accounts is $500 at the ATM, $2,000 Card Not Present (online or over the phone), and $2,500 for Point of Sale (any purchase where the card is physically used). The maximum daily limit is $3,000.
If I Dispute a Transaction on My Card, When Will I Receive the Refund?
The Dispute process for Debit and Credit cards normally takes anywhere from 30 to 90 days. There are many variables to when you will receive your credit, but it is always considered a ‘Provisional’ credit until the case is officially closed. For Fraudulent transactions, you normally receive a provisional credit within 10 business days. For merchant disputes, it can take up to 30 days.
How Can I Reset the PIN on My Debit Card?
You can call (800) 992-3808 from the phone number we have on file and reset your PIN at any time.
Loans
Does the Credit Union Offer Mortgage Loans?
Yes, Neighbors United has several mortgage options. Alex Clayton is our Mortgage Loan Officer. You can contact him at (864) 941-8904, aclayton@mynucu.org, or go to our website (mynucu.org) and click on Loans, Home Loans for information and to apply for a Mortgage Loan. You may also visit our web page to make an appointment with Alex in person.
What Is the Current Interest Rate on Auto Loans?
Current Auto Loan rates can be found on our website under loans, loan rates. If you have financed your current vehicle with someone other than the credit union, we may be able to cut the rate you received with our Rate Saver Program. Email us at loans@mynucu.org to get more information.
How Can I Get an Increase to My Credit Limit on My Visa" Credit Card?
There are several ways you can apply for a limit increase on your credit card. You can go to our website, mynucu.org, and click on Apply for a Loan. You can also call one of our Loan Officers at (864) 941-8900, option 4, email us at loans@mynucu.org for more information, or request an appointment with a Loan Officer online.
Can the Credit Union Help Me With My Credit Score?
NUCU has various ways to help you reach your financial goals. Our staff is dedicated to helping our members with establishing and improving their credit history and score. Call us at (864) 941-8900 or go to mynucu.org to schedule a Financial Checkup with one of our Account Managers.
Self-Service
I’m Locked Out of Virtual Branch. How Can I Reset My Online Banking Account?
Visit mynucu.org and click on “Forgot Security Code” at the top of the page. Enter your Login ID and click submit. A temporary security code (password) will be sent to your email on file. This security code (password) is only good for 15 minutes.
Why Is The Temporary Security Code (Password) Not Working?
The Temporary Security Code is case sensitive. The temporary password received via the “Forgot Security Code” link is good for 15 minutes. If it’s been more than 15 minutes, you must go through the Forgot Security Code process again to receive a new temporary password. Also, verify that you are first entering your Login ID and not the security code in the first box. If you are still having difficulties, please call (864) 941-8900, option 2.
How Do I Access My Account Through CU Voice?
Call our number (864) 941-8900 and choose option 1, then enter your Member Number (this begins with a 57). It will then ask for your PIN number. If you have never logged in before, it should be the last four digits of your SSN. Call (864) 941-8900, option 2, to have your PIN reset if you do not have your PIN number and the last four of your SSN do not work.
How Can I Make a Transfer From Person to Person Online?
Log in to your account and go to the Account Access tab in Virtual Branch. From there, click Transfer Funds. You will need the Member Number of the account you are transferring to. The Credit Union does not charge a fee for this service.
We also offer Pop Money and Person 2 Person payments via our Bill Pay. This is also available in Virtual Branch and Mobility (NUCU Mobile App).
Can I See Pending ACH and Debit Card Transactions Online, and Are These Reflected In My Available Balance?
Yes, both pending ACH and Debit Card transactions are available to view on your online banking account. However, these transactions are not always reflected in your available balance. To verify your available balance, make sure you take your balance and subtract/add any pending transactions, and that will equal your available balance. (Remember if you have any drafts or checks outstanding the available balance will not reflect those items).
I Deposited a Check Via Remote Deposit Capture, and it Is Not showing Up On My Account. Why?
You need to sign, date, and write For Mobile Deposit at NUCU on the back of the check you are depositing. If not, the check will be rejected due to the endorsement being missing. It may take 1 to 3 business days for a check to be processed. The cut-off time for Mobile Deposits is 3 p.m.. Anything after 3 p.m. is not processed until the next business day.
Member Services
Where Can I Find My Member Number or Checking Account Number?
Your Checking Account number can be found at the bottom of your checks. The number will start with 7 and will contain a total of 13 digits. If you do not have checks, please visit either of our branches, and we will print a Direct Deposit Letter and/or give you an Account Card with your Routing Number and Account Number(s) on them.
How Long Will My Check Be Held?
Depending on the hold reason, a check can be held up to 30 days. For Checking Accounts, the normal hold period is 2 to 7 business days, with the exception of new accounts. New account (less than 30 days) hold period is 9 business days.
How Much Do Notary Services Cost?
Notary Services are free to our members.
Does Neighbors United Offer IRA accounts?
Yes, we offer both Traditional IRA and Roth IRA accounts.
Overdraft Privilege
What is the Difference Between the Credit Union’s Overdraft Protection and Overdraft Privilege Programs?
Our Overdraft Protection Services transfers funds from a previously designated account and/or a line of credit to pay an item that overdraws the account on which it is drawn. Overdraft Protection will NOT allow the account to go into a negative balance. There is no fee to sign up for Overdraft Protection. Overdraft Privilege is a non-contractual courtesy offered by Neighbors United Federal Credit Union to eligible members. This service pays items which would otherwise be returned as NSF. There is a fee for each item paid. The fee is up to $35 for each item paid, depending on the amount of the overdraft.
NOTE: The credit union has no obligation to pay an item under Overdraft Privilege. It is a courtesy, which we may extend or revoke in our discretion. On the other hand, Overdraft Protection is a contractual arrangement under which we are obligated to meet the obligations addressed in our agreements.
How Far Overdrawn Can My Account Go Under the Overdraft Privilege Program?
We will never encourage you to test the limit of your Overdraft Privilege status (if you have it). It is a privilege intended to protect you from the problems associated with overdrafts. It is not intended as an alternative to your proper management of your accounts. Frequent abuse of Overdraft Privilege or leaving a negative balance for too long can lead to your loss of Overdraft Privilege service and/or closure of your checking account. Typically, we may pay items that overdraw your account by up to $100 for regular checking accounts (Suffix 74 & 76) and $250.00 for Budget and Classic Checking accounts (Suffix 75 & 78) (if you qualify). If you seek greater protection, then you should consider our Overdraft Protection services, which allow you to transfer all of your available funds from other accounts or lines of credit so that your checking account does not go into a negative balance.
How Do I Apply?
Accounts in good standing are automatically eligible for Overdraft Privilege status. Overdraft Protection Services, together with any associated lines of credit, are subject to application and approval. With Overdraft Protection, you can let us know from which account(s) and in what order of use, you'd like transfers to be made.
How Will I Know if I Have Overdraft Privilege on my Checking Account?
You will be notified by us in writing, you can ask a branch employee, or you may call to find out. Accounts in good standing are automatically eligible; however, it is always in the credit union’s discretion to grant this protection and/or to continue the protection.
"Good standing" is defined as:
No history of fraud or abuse has been discovered
$25 or more deposited into your Regular Share/Savings account
Your checking account has been open for 182 days or more
18 years of age or older
No outstanding legal orders, garnishments, executions, or levies, including bankruptcy notices on your account
Your account does not have any loans more than 14 days delinquent
How Much Does Overdraft Privilege Cost?
It is free until we pay an item that is drawn against insufficient funds. Then, a $35 Overdraft Privilege fee is assessed, based on the dollar amount of the overdraft. If you use Overdraft Privilege for two overdrawn items, your account will be charged two separate fees (even on the same day). Please note that Overdraft Protection is different. With Overdraft Protection, there is no fee. We assess a fee for Overdraft Privilege because overdrafts do cost your credit union both time and money.
If you have both Overdraft Protection and Overdraft Privilege, we will exhaust your Overdraft Protection options before Overdraft Privilege will be used to cover any insufficient item.
What Transactions Will Trigger the Overdraft Privilege Service?
If you overdraw your account, Overdraft Privilege will cover written checks or preauthorized drafts written to third parties, ACH debits, and deposits that have not cleared, such that funds are unavailable.
Is My Overdraft Privilege Limit Shown in My Available Balance?
No. The Overdraft Privilege amount is never added to your account balance.
Is Overdraft Privilege a Loan?
No, it is a courtesy to members who maintain their Checking Accounts in good standing. This service is discretionary on the part of the credit union. Your use of the services constitutes your contractual agreement to the terms provided as explained herein. You or the credit union may discontinue this courtesy at any time, which will not affect any obligations to pay the credit union for any funds advanced or fees incurred prior to termination.
Can I Use Overdraft Privilege to Make a Credit Union Loan Payment?
No. You cannot use Overdraft Privilege to make any loan payments or to bring another account to a positive balance.
When Do I Have to Repay the Overdraft?
You must bring your account to a positive end-of-day balance within 21 days of the overdraft. Please contact us immediately if you need to make a request for other arrangements.
What if I Do not Want Overdraft Privilege?
You can opt out of the service. Overdrawn items will be returned unpaid, and a $30 NSF fee will be assessed after funds for overdraft protection (if applicable) have been depleted. In addition, you may also be charged additional fees by the merchant/payee.
Can Overdraft Privilege Be Taken Away?
Yes. The service can be taken away if your account is no longer in good standing or the credit union deems it to be in its best interests to do so. This may include, but is not limited to, our belief that you are not properly managing your account. Again, Overdraft Privilege is not intended as an alternative to proper account management. It is a courtesy that we offer to help you avoid the multiple costs you may incur from merchants and perhaps legal repercussions associated with NSF items. We may take away the privilege without notice, and will have no obligation to honor any item from the moment of revocation.
Does the Credit Union Offer Traditional Overdraft Protection?
Yes. You can choose to have Overdraft Protection from the following accounts:
Savings Account
Secondary Checking Accounts
Unsecured Line of Credit
Home Equity Line of Credit
It may be in your best interests to apply for one of these programs. There is no fee when we make the transfer in order to cover an overdraft on your Checking Account under our Overdraft Protection programs.
Are You Encouraging Me to Write Bad Checks?
No. We are responding to member requests to pay items that were returned due to an error made by the member. We are providing our members with a valuable service that avoids the multiple costs that you may encounter in dealing with a merchant and perhaps the merchants bank in these situations. In addition, you may be prosecuted under state laws for uttering insufficient funds items. Overdraft Privilege will help you to avoid these problems while it is in effect.
I Thought I Had Overdraft Privilege. Why Did You Return My Check as NSF?
Items are returned NSF when your available Overdraft Privilege amount has been exhausted or is revoked by us.
Can I Overdraw my Account Using an ATM Card or Point-of-sale Transaction?
No, ATM, point-of-sale or debit card transactions are not covered by our standard Overdraft Privilege. We do over Overdraft Privilege Plus that you may opt-in that will cover ATM, point-of-sale or debit card transactions. To opt-in you must contact an MSR.