Q. What are your hours of operation?
A. Monday, Tuesday, Thursday & Friday -
8:00am to 5:00pm
Wednesday - 10:00am to 5:00pm
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 unless we have had a problem
with the company that issued the check before. 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. Where may I use my ATM card?
A.
Your Credit Union ATM card is accepted at
any ATM which displays the Cirrus or Presto! logos.
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 card.
Q. What is the difference between a Credit Union
and a Bank?
A.
Credit Unions are not for profit
cooperative financial institutions, owned by it's
members, 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.
Yes. A joint owner is eligible to become a
member of the Credit Union. Also, all immediate
family members are eligible to join.
Q. Can I pay bills online from my account(s) at the Credit Union?
A.
Yes.
We offer Bill Pay through our home banking service,
Cyberbranch. Sign up
today!
Q. How can I check on my account after hours?
A. Call SAMM, the Credit Unions Audio
Response System at (941) 953-9403. SAMM is free and
available 24 hours a day, 7 days a week.
Looking for the answer to a different question?
Send us an
e-mail
and we will respond to your question promptly.
