FAQ | Florida Credit Union

About Florida Credit Union
- What is the Florida Credit Union difference?
  
  As a member of Florida Credit Union, you are a co-owner of one of the strongest credit unions in North and Central Florida. Since we are a not-for-profit organization, you, the co-owners benefit from lower or no fees on products and services, lower cost on loans, and higher rates on savings, checking, and CDs.
  
  We offer all the services you would expect from a banking institution with the many extras that come with being a FCU member:
  - Full-service branches and ATMs (which are surcharge-free for members)
  - Online and mobile banking platforms to stay connected with your money anywhere, anytime
    - check balances and transactions
    - make payments using bill pay, person to person or person to business payments, and transfers
    - transfer funds
    - remote deposit checks
    - view credit card transactions (not available through the mobile app)
    - apply for a loan
  - Great services you can expect from your credit union
    - Free checking accounts
    - Commercial banking services
    - Commercial loans
    - Low-interest mortgages
    - Car, truck, boat, and motorcycle loans
    - Online and mobile banking
    - Personal and business Visa® credit cards
    - And much, much more!
  - Deposits are federally insured for up to $250,000 by the National Credit Union Administration, a government agency
  Florida Credit Union follows these seven cooperative principles in everything we do:
  - Voluntary and open membership
  - Democratic member control
  - Member economic participation
  - Autonomy and independence
  - Informational education and training
  - Cooperation among cooperatives
  - Concern for the community
  These seven principles, and our continued commitment to providing our members with the best financial services possible, is what constitutes the Florida Credit Union difference.
  
  Remember, the real difference between Florida Credit Union and other credit unions lies in the nature of our organization:
  - FCU is a financial services cooperative – that means we’re owned by our stockholders, or ‘members’, and are committed to supporting them and their needs.
  - Unlike banks, FCU can’t be bought or sold.
  - Our profits and earnings are invested in the needs of our membership to help ensure we provide the best banking services possible, through higher rates of return and lower loan costs.
- Five tips for identifying fraud
  
  Fraud and identity theft experts attempt to steal your account and personal information in a variety of ways. They include:
  - Asking you to follow questionable links in an email
  - Asking you to send personal information in order to claim a gift or winnings from lotteries or competitions you didn’t enter
  - Posing as a company that has frozen your banking accounts and credit cards and needs your information to reactivate them
  - Asking you to deposit checks in exchange for future payment
  - Using your tax information to commit tax refund fraud
- Identity theft protection information
  
  According to the Federal Trade Commission, there are over 15,000 cases of identity theft in Florida every year. The most common forms are:
  - Using or opening a credit card account fraudulently
  - Opening cell phone or utility accounts fraudulently
  - Passing bad checks or opening a new bank account
  - Getting loans in another person’s name
  - Working in another person’s name
- Steps to prevent financial harm
  
  Once your know how scammers operate, there are things you can to protect your accounts.
  - Never give out any personal information, PINs, or credit card information to anyone.
  - Florida Credit Union will never ask you to prove who you are through texts, email, or phone calls. Should anyone ask for personal data, contact us at askfcu@flcu.org.
  - Frequently monitor your personal banking or business banking accounts via our free online banking services or through the FCU mobile app.
  - If you see any purchases you didn’t make, please contact FCU at 800-284-1144 or visit your local branch.
  - For more information on the latest scams, visit the Federal Trade Commission Scam Alerts page or FCU’s banking and Account Security page.
- Current fraud alerts
  
  Visit our Fraud Alerts page to stay aware of current scams.
- eFraud Prevention
  
  From computer activity to text messaging to travel-related incidents, fraud can come in many forms. However, there are also precautionary measures you can take. To help protect you, Florida Credit Union has compiled a collection of resources to keep you in the know when it comes to security threats. Learn more about eFraud Prevention.
- Can I deposit checks into an FCU ATM?
  
  Yes, checks and cash can be deposited at any FCU ATM.
- Can I deposit coins in an ATM?
  
  No, coins are not accepted for deposit at our ATMs. Members will need to visit a branch to make coin deposits.
- Does Florida Credit Union have ATMs?
  
  There are ATMs at each Florida Credit Union branch, as well as a free-standing ATM located at 1122 NE 16th Avenue, Gainesville, Florida 32601. You can also use ATMs at any of the Publix Super Market-affiliated Presto! network ATMs. With the Pulse Network, you have access to 400,000 ATMs nationwide.
- How do I deposit cash into an ATM?
  
  ATM deposits are isolated to FCU debit and ATM cards only. Each card must be approved for ATM deposits by speaking with on of our member service representatives.
- How much money can I withdraw from an ATM?
  
  While our ATMs do not have a withdrawal limit, all FCU cards (ATM, debit and credit) are subject to a daily limit of $515.00
- How do I make a payment on my auto loan?
  
  There are many convenient and safe options for you to make a payment on your FCU loan. View your available payment options here.
- Do you finance electric vehicles?
  
  Florida Credit Union does finance electric vehicles.
- How do I obtain the payoff on my loan?
  
  To obtain the payoff for your FCU auto loan, contact us!
- How do I submit proof of insurance on my car?
  
  You can submit proof of insurance on our partner website using your reference ID number. Once on the site, click the Enter Reference ID button located on the top right of the screen. If you don’t have your reference ID, you can click Don’t have an ID? to look up your loan by using your name, zip code, and VIN number.
- How long does an auto loan take to get approved?
  
  It takes only minutes to get approved for an auto loan at Florida Credit Union!
- I have no credit. Can I still get loan?
  
  Yes! Credit scores are only one of a few metrics our loan officers look at when considering loan applications.
- What do I need to refinance my vehicle?
  
  You will need a statement from your auto loan at your current lender. If applying online, more information will be requested once you have been approved.
- What does it mean to have co-signer for a loan?
  
  A co-signer is someone who agrees to be responsible to pay a debt if the primary borrower fails to make the loan payments. Having a co-signer on your loan gives FCU additional assurance that the loan will be repaid.
- How much does it cost to transfer a balance to an FCU credit card?
  
  The balance transfer fee is 3% of the balance that you transfer (or $5, whichever is greater).
- What happens after I request a balance transfer?
  - Most transfers are processed within a week, but in some cases it can take up to 30 days
  - Remember to continue to make payments on cards with other creditors until your balance transfer has posted to your Florida Credit Union account
- When will the balance transfer post to my account?
  
  Most balance transfers will post to your account within a week to 21 days. This time frame is dependent on how quickly the payee processes the transferred amount. Please continue to make payments on that account until you know the transferred amount has posted and the balance has been paid.
- When will interest from this offer begin to apply to my account?
  
  Interest will begin to accrue from the day the online transaction posts to your account, unless you are within a promotional period.
- Under what circumstances can you decline balance transfers I’ve requested?
  
  We may decline your transfer request under the following circumstances: your account is past due or over limit, you request more than the maximum amount disclosed, we reasonably believe that you will be unable or unwilling to repay the balance, or for any other reason as described in your Cardmember Agreement. If the balance transfer request exceeds the available credit on your card, your request may be declined.
- How are my payments allocated?
  
  Generally, we pay off any unpaid interest first before payments are applied to principal balance. Payments are applied to the highest interest-bearing balance first.
- What information do I need to pay off my other creditors?
  
  A statement or copy of your most recent bill for the creditor you would like to balance transfer with a mailing/payments address.
- Will I earn rewards or rebates?
  
  No, balance transfers do not earn rewards or rebates.
- How much does Bill Pay cost?
  
  While FCU’s Bill Pay is a free service for FCU members, fees may apply for expedited payments.
- How does Online Bill Pay work?
  
  Online Bill Pay allows users to schedule bill payments. As long as there are available funds in your FCU checking account, your account will be automatically debited for the bills you select to be paid.
- How secure is Bill Pay?
  
  FCU uses the latest in advanced technology to protect your account information through layers of security (You can review our Privacy Policy for more information). Please make sure your browser is updated to the latest version to ensure online Bill Pay services run as intended.
- How do I set up eBills, a viewing option to see details about my bill?
  
  To enroll in eBills, you must have an online relationship with the payee ahead of time.
  - Use the Bill Pay with eBills option in FCU Anywhere to set up eBills
  - Go to the Payments tab
    - If a payee is eligible to be enrolled in eBills, a Set up eBill icon for the Payee will be available in the eBill Connect list
  - Select the Set up eBill icon, then enter your login information for the payee’s home site
    - This information connects your billing account with the payee to your online banking account in FCU Anywhere
  Watch a demonstration on how to set up eBills.
- How do I set up Pay A Person to send Person-to-Person transfers?
  
  Use the Bill Pay with eBills widget in FCU Anywhere to set up Pay A Person.
  
  Go to the Pay a Person tab. Choose your preferred method to send funds from the options available. Input the payee information and choose Next.
  
  Payments sent by text will require you to create a keyword for your payee. You should share this keyword with your payee as soon as possible. Your payee will use the keyword to access a secure site where they will enter their account information.
  
  For security purposes, a one-time activation code is required to schedule any payments. We will call you at the number you select. To prompt the system, please say “Hello” when you answer the call.
  
  Once you have entered your activation code, you will be able to submit your payment. The funds will be sent once your payee completes the setup process.
- Will bill payments be sent as checks or ACH?
  
  Payments may be sent either way. This is contingent upon the relationship between our bill pay provider and the merchant.
  
  If you have a payment that is sent as a check, please let us know and we will see if an electronic payment can be made.
- What is the minimum amount for a bill pay payment?
  
  The minimum amount is $1.00.
- What date will my bill pay payment post to my account?
  
  The funds should post to the merchant by the Deliver By Date. When scheduling a payment, the system will indicate whether we are able to send an electronic payment or if we need to mail a check to the merchant. Electronic payments will typically debit your account on the Deliver By Date as long as you initiate the payment by 3 p.m. on the previous business day. Checks will take longer since they are sent via USPS and posted manually by the merchant.
- Florida Credit Union Branch & ATM Locator
  
  Florida Credit Union's ATMs provide members easy access to cash 24/7. Thousands of locations are available through the STAR network and Publix Super Market-affiliated Presto! network, as well as at FCU branches.
  
  And with our ATM Rebate program, you can access your money at any nationwide ATM and we’ll rebate the fees you pay¹. ATM transactions include cash withdrawals from savings, checking, or lines of credit, or transfers between these accounts.
- Coin Machines
  
  We offer self-service coin machines at the following branches: 43rd Street, 13th Street, Butler North, Lake City, Starke, Silver Springs, Ocala, Maricamp, Country Oaks, Belleview, and North Deland. Bring your loose coins and the machine will total your amount and provide you a receipt that you can cash or deposit into your FCU account. This service is free for members. Non-members are charged a nominal fee. You can bring your loose coins to any other location, as well, where our tellers will process the transaction for you. Please refer to the FCU fee schedule for pricing information.
- Safe Deposit Boxes
  
  Our Safe Deposit Box service is available at our 43rd Street branch in Gainesville, Silver Springs and Country Oaks branches in Ocala, DeLand, and Wildwood. Sizes range from 3” x 5” to 10” x 10”. Please refer to the FCU fee schedule for annual pricing information.
- Night Deposit
  
  Drop boxes are available at each branch, 24/7, for your after-hours deposits.
- Notary & Signature Medallion Guarantee Services
  
  FCU offers notary services at all of our branches. With an appointment, we also offer signature guarantee services. Please refer to the FCU fee schedule for pricing information.
- Debt
  
  Debt Consolidation
  
  Find out if combining debts into one monthly payment can help you.
  
  Calculate a Loan Payment
  
  Determine your monthly payment.
  
  Pay off Credit Card Debt
  
  Learn how long it will take you to pay off credit card debt.
  
  Are Credit Card Balance Transfers Worth It?
  
  You might be able to save money by transferring your credit card balance.
- Auto
  
  Calculate a Vehicle Payment
  
  Find out how much you can afford when buying a car, truck, or SUV.
  
  Lease or Buy a Vehicle
  
  Before you get the keys, know which way to go.
- Mortgage
  
  Home Affordability
  
  Before you house-hunt, get a sense of what you can afford.
  
  Calculate a Mortgage Payment
  
  Consider all the factors that go into your monthly home loan payment.
  
  Time to Refinance?
  
  Find out if it pays off to renegotiate your mortgage terms.
  
  Rent or Buy?
  
  Make your next move after addressing all the numbers.
- Home Equity
  
  Calculate a Home Equity Loan Payment
  
  See how long it will take to pay off your principal.
  
  Consolidating Debt with Home Equity
  
  Leverage your home's value to lower your loan payments.
  
  Calculate the Equity in Your Home
  
  Borrowing against your home's value could be on the money.
  
  Home Equity Loan or Line of Credit?
  See how much you owe when you borrow against you home's value.
- Savings
  
  Save Toward a Goal
  
  Steady deposits help you keep your eye on the prize.
  
  Certificate of Deposit (CD) Calculator
  
  Discover the value of your CD.
- Retirement
  
  Stay on track with helpful calculators provided by CUSO Financial Services, L.P.
  
  A Look at Systematic Withdrawals
  
  Determine how long your savings may potentially last given regular withdrawals.
  
  Saving for Retirement
  
  Assess how well you may have prepared and evaulate how you can potentially improve your retirement outlook.
  
  My Retirement Savings
  
  Determine when your retirement savings account may be depleted given a specified monthly income target.
- What cards show up in FCU Anywhere online and mobile banking?
  
  You should see the card that belongs to member registered to the digital banking login.
- What happens when you mark a card lost?
  
  Your card will become closed once reported lost or stolen. You will no longer be able to use the card number and it will no longer be visible in the Card Management section of FCU Anywhere.
  
  A new card with a new number will be mailed to the address we have on file. You can activate your new card inside Card Management once received.
- Can you update your PIN if you do not know your existing PIN?
  
  No. If there is already a PIN set on the card you must know the current PIN in order to update it through Card Management.
  
  If you do not know your current PIN, call the PIN update number at 888-333-9319 to set a new PIN without verifying the current PIN.
- Will replacement cards need a new PIN?
  
  No. If there was a PIN setup on the previous card, you will not need to create a new PIN. However, you are able to change the PIN of the replacement card if you would like.
- Can I set transaction alerts for specific merchants or merchant types?
  
  At this time Visa® transaction alerts are only available for general amounts.
- Can I set transaction alerts for text messages?
  
  Yes, you can receive SMS, Push, or Email alerts for transaction alerts.
  
  Please note: Members must be enrolled to receive SMS alerts through FCU Anywhere online and mobile banking. Members can check their SMS permission settings by visiting Settings>Contact in FCU Anywhere. Click or Tap on your mobile phone number to confirm whether or not you are enabled for SMS.
- Why work at Florida Credit Union?
  
  The answer is easy: You'll feel good about what you're doing. As a not-for-profit financial cooperative with $2 billion in assets, Florida Credit Union returns profits to its members-owners in the form of lower borrowing rates, higher savings rates, fewer fees, and a wide range of products and services. We're dedicated to giving back to the communities we've been serving since 1954, and that's what makes working for FCU so rewarding.
- Are there advancement opportunities?
  
  Whenever possible, Florida Credit Union seeks to promote from within its own ranks. After six months in your current FCU position, you can be eligible for career advancement. We offer extensive training starting with your orientation and continuing throughout your FCU career. We also offer tuition reimbursement.
- How did Florida Credit Union get its start?
  
  Florida Credit Union was established in 1954 as a state-chartered credit union. Originally the Alachua County Teachers Credit Union, FCU was run by and for the teachers in the Alachua County school system. Over the last 68 years, the credit union has grown in both size and scope. FCU now serves 48 counties in north and central Florida. With over 300 employees, FCU is an equal opportunity employer.
- What are our current job listings?
  
  Visit our current job listings to learn more about available career opportunities from Florida Credit Union.
  
  Applicants have rights under Federal Employment Laws:
- What is a certificate of deposit?
  
  A certificate of deposit (CD or share certificate) is a savings certificate with a fixed maturity date. While a CD may have a minimum and maximum amount, it can be issued for any denomination within that range. Unlike money market and share accounts which allow for funds to be added or withdrawn, a CD requires the initial deposit amount to remain for the term of the CD.
- When will I start earning on this account?
  
  You will start to earn dividends on the business day we receive your deposit.
- How are dividends calculated on my account?
  
  Dividends are compounded daily and credited to your account quarterly.
- Are my savings deposits insured?
  
  Yes! The National Credit Union Administration (NCUA) insures all savings accounts up to $250,000.
- Are certificates of deposit dividends taxed?
  
  Certificates of deposit dividends are indeed reported to the IRS. If your earnings are at least $10, you will receive a 1099-INT from the IRS by January 31.
- How can I withdraw money?
  
  Funds are intended to only be withdrawn at the maturity date and a penalty may apply for early withdrawal.
- What happens when a certificate matures?
  
  A notice will be sent a few weeks prior to maturity. If no response is received, the certificate will be automatically renewed at the the most comparable rate and term offered by the credit union at that time.
- What does "renew" mean?
  
  To renew a CD is to reinvest your certificate funds into a new certificate. The term and rate the certifcate renews to is the most comparable currently offered by the credit union.
- How do I order checks?
  
  If you have ordered checks before, simply log into Online Banking and select Accounts then Check Services. You will need a checkbook from your previous order to complete the process, as well as pay a small fee. You can also call FCU at 800-284-1144 to order more checks. You may also qualify for free checks. In this case, call us directly at the number above and we'll order your new checks on your behalf.
- How can I find direct deposit information?
  
  Get paid up to two days sooner! Enjoy the convenience of having your payroll check automatically and safely deposited into your FCU account with direct deposit!
  
  Your employer's payroll department or Government Agency will need the credit union's Routing Number (263178410) and the account number where you want your paycheck deposited into. To find your electronic payment account number, log in to your account, select which account the money will go in, and click or tap view details. You can also give us a call - we're happy to assist you!
- Can I withdraw cash over $10,000?
  
  Yes, if you have the funds available and choose to withdraw the funds in the form of cash, we ask that you call us 3 business days ahead of time so we can arrange to have the funds on-site. We recommend you consider taking large sums of money in the form of a certified check as this is safer than having large sums of cash on you. If you choose to take a certified check, no advance notice is needed. However, if you would like cash, call us at 800-284-1144 and provide us with the branch location, the amount, and the date you will arrive to withdraw the funds.
- Can I use Apple Pay® or other digital wallet services with a FCU Checking Account?
  
  Yes, you can use digital wallet services with a FCU Checking Account, including Apple Pay®, Samsung Pay®, Google Pay®, Click to Pay, Fitbit Pay™ and Garmin Pay™.
- Can I use my debit card while traveling internationally?
  
  Yes, you can use your Visa® debit card any where Visa® debt and credit cards are accepted.
- How do I activate my new debit card?
  
  N/A
- How do I change my personal identification number (PIN) for my debit card?
  
  N/A
- How do I order a new debit card?
  
  N/A
- How do I report a lost or stolen debit card?
  
  The sooner you report a missing or stolen card, the faster our team can mobilize to help you:
  1. If your Florida Credit Union Visa® debit or credit card has been lost or stolen, please call 888-333-9319
  2. For additional assistance or information related to a lost or stolen Visa® card or FCU debit card, please call 800-284-1144
  3. Use the Card Management tool in FCU Anywhere
- How can I set fraud alerts for my debit card?
  
  N/A
Other Useful Information
- Florida Credit Union Branch Hours
  
  Florida Credit Union branches are open every weekday and Saturdays as well, for your convenience.
  - Monday - Friday: 9 a.m. to 6 p.m.
  - Saturday: 9 a.m. to 1 p.m.
  - 24-hour ATM access
  FCU offers extended drive-thru hours at our Lake City, Starke, 43rd Street, Ocala, Country Oaks, Maricamp, and DeLand offices.
  - Monday - Friday: 8 a.m. to 6 p.m.
  - Saturday: 9 a.m. to 1 p.m.
  Can't get to your local branch during normal banking hours? We offer extended hours on weekdays and Saturdays at the Butler Plaza North branch in Gainesville and Silver Springs branch in Ocala.
  - Monday - Friday: 9 a.m. to 8 p.m.
  - Saturday: 9 a.m. to 5 p.m.
  - 24-hour ATM access
  View our Holiday Schedule
- FCU Addresses and Phone Numbers
  
  If you have questions about banking issues, here are the best ways to get in touch with us:
  
  Full-Service Contact Center
  - Call toll-free at 800-284-1144
  - Monday - Friday: 8 a.m. to 8 p.m.
  - Saturday: 9 a.m. to 5 p.m.
  - Available 24/7 for loan applications
  - Flora® Virtual Employee is available 24/7, when asked how call can be directed, press "1"
  Email Correspondence
  - You can contact us at askfcu@flcu.org
  - Please do not include sensitive information such as account numbers, credit card numbers, Social Security numbers, or any other personal information in your electronic mail.
  Regular Correspondence
  - Please send all mail and payments to: Florida Credit Union; P.O. Box 5549; Gainesville, FL 32627-5549
  - Please do not include sensitive information such as account numbers, credit card numbers, Social Security numbers, or any other personal information in any of your correspondence.
- Phone Numbers to Report Missing Cards
  
  The sooner you report a missing or stolen card, the faster our team can mobilize to help you:
  - If your Florida Credit Union Visa^®debit or credit card has been lost or stolen, please call 888-333-9319.
  - For additional assistance or information related to a lost or stolen Visa^® card or FCU debit card, please call 800-284-1144.
- How do I make a payment?
  
  There are many convenient and safe options for you to make a payment on your FCU loan. View your available payments options here.
- How do I order a new credit card?
  
  If you are in need of a new credit card you may visit any of our conveniently located branches where they can print a card for you while you wait. If you are unable to make it into a branch, you can:
  1. Call us at 800-284-1144 and we will order a new credit card to be mailed to your address.
  2. Login to FCU Anywhere Online and Mobile banking: Tools menu > Card Management to replace a FCU card.
- How do I view my points and access Rewards HQ?
  
  If you have an FCU rewards card, you can view your points and access rewards through FCU Rewards HQ, conveniently located within FCU online banking. When logged into online banking, FCU Rewards HQ can be found within the Tools tab. Once on the FCU Rewards HQ page you will be able to redeem points, view current promotions, learn how to earn more points and view your points activity.
- What rewards are offered?
  
  Rewards offerings vary depending on the card type.
  
  For Wave Rewards and Platinum Rewards, FCU Rewards HQ offers a wide variety of rewards from cash back, gift cards, merchandise, travel, and events such as sporting events, concerts and more! A few notable rewards options include Best Buy® in store pick-up on select merchandise, access to over 130,000 hotels and resorts, local events such as college football and theater productions, and gift cards from top brand retailers including Target®, Amazon®, Starbucks® and many more!
  
  For Select™ Visa Signature®, you will have access to a simplified redemption of cash back only with the ability to redeem as little as $5.
- How can I set fraud alerts for my credit card?
  
  If your card is lost, stolen, or damaged you can notify FCU and close the card by selecting one of the options under Card Management, located under the Tools menu in FCU Anywhere Online and Mobile banking. If you wish to be notified anytime your debit or credit card is used, you can opt-in for account alerts such as debit card purchases and transaction alerts by visiting Account Alerts in the Accounts tab on online banking. Additional alert options will be available soon, including customizable transaction alerts.
  
  In addition to these features FCU offers fraud alert text messages, emails and phone calls for all members.When a transaction is blocked for being potential fraud, a text message will be sent to the cell phone number on file. It is important to update FCU anytime your contact information changes so that we can reach you in the event of possible fraud.
  
  *Please note: Limits under “Manage Card Controls” are subject to credit union defined loan and share limits. Limits cannot exceed approved loan limits.
- Can I use my credit card while traveling internationally?
  
  You can use your credit card while traveling internationally and anywhere where VISA is accepted. Some international locations may be blocked to prevent fraud, but can be unblocked if we are notified of your travel plans. In order to notify us of your international travel you can visit a local branch, give us a call at 800-284-1144, or complete a “Notice of International Travel form”. When completing a travel notice, please make sure to include all countries you will be visiting along with the dates of travel, as well as any countries where you may have a layover and might be making a purchase or accessing cash from your account. You will want to take these same steps even if you are traveling within the U.S.
- Are there debit card limits?
  
  •   ATM Limits: $515
  •   Consumer Debit Point of Sale (POS): $5,000
  •   Business Debit Point of Sale (POS) : $10,000
  •   15 transactions per day
- How do I order a new debit card?
  
  If you are in need of a new debit card you may visit any of our conveniently located branches where they can print a card for you while you wait. If you are unable to make it into a branch, simply give us a call and we will order a new debit card to be mailed to your address.
- Can I use my debit card while traveling internationally?
  
  You can use your debit card while traveling internationally. Some international locations may be blocked to prevent fraud, but can be unblocked if we are notified of your travel plans. In order to notify us of your international travel you can visit a local branch, give us a call at 800-284-1144, or complete a Notice of International Travel form. When completing a travel notice, please make sure to include all countries you will be visiting along with the dates of travel, as well as any countries where you may have a layover and might be making a purchase or accessing cash from your account. You will want to take these same steps even if you are traveling within the U.S.
- How do I change my personal identification number (PIN) for my debit card?
  
  If you know your PIN but would like to make a change, you can do so at any FCU ATM. If you are unable to visit an ATM, or if you have forgotten your PIN and need to reset it, you can call our automated PIN change service at 888-333-9319.
- How can I set fraud alerts for my debit card?
  
  If your card is lost, stolen, or damaged you can notify FCU and close the card by selecting one of the options under Plastic Management. If you wish to be notified anytime your debit or credit card is used, you can opt-in for account alerts such as debit card purchases and transaction alerts by visiting Account Alerts in the Accounts tab on online banking. Additional alert options will be available soon, including customizable transaction alerts.
  
  In addition to these features FCU offers fraud alert text messages, emails and phone calls for all members.When a transaction is blocked for being potential fraud, a text message will be sent to the cell phone number on file. It is important to update FCU anytime your contact information changes so that we can reach you in the event of possible fraud.
  
  *Please note: Limits under “Manage Card Controls” are subject to credit union defined loan and share limits. Limits cannot exceed approved loan limits.
Direct Deposit FAQs
- How do I set up direct deposit?
  
  N/A
- How long does direct deposit take?
  
  Funds deposited up to one day before pay day!
- What is Florida Credit Union's routing number?
  
  Our routing number is 263178410
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    Are you sure that you're protected at home?
  - Senior Citizens
    Are you a safe, protected & security minded senior citizen?
  - Social Engineering
    Are you able to avoid being tricked by a hacker?
  - Investment Fraud
    Do you make sure your investments are safe?
  - Small business fraud
    Is your company or organization at risk for fraud?
  - Smart phone security
    Are you protected against mobile security threats?
  - Travel & Mobile Safety
    Are you staying safe in hot-spots and when traveling?
  - Phishing
    Are you able to navigate the dark waters and avoid a phishing scam?
  - Removable devices
    How vulnerable is your valuable business data?
  - Preventing identity theft
    See if your daily habits are putting your identity at risk.
  - Safe Social Media
    How well do your protect your identity and financial information on social networking web sites?
- Victim Assistance
- How often will I receive my FICO® Score?
  
  Program participants will receive their updated FICO® Auto Score 8 based on Equifax Data on a monthly basis, when available.
- Will receiving my FICO® Score impact my credit?
  
  No. The FICO® Score we provide to you will not impact your credit.
- Why is my FICO® Score not available?
  
  There are a few possible reasons that your FICO® Score may not be available at this time. These reasons can include:
  - You are a new member of FCU. It may take a month or 2 before your score is available as part of our monthly score refresh process
  - You have not yet opted in to this free benefit
  - You do not have enough credit (loan) history to have a score
  - Your score was temporarily unavailable at the time of our monthly score refresh process
  - You opted out of this benefit
- Where does the information used to calculate my FICO® Score come from?
  
  A FICO® Score is based on the credit information in a credit file with a particular consumer reporting agency (CRA) at the time the score is calculated. The information in your credit files is supplied by lenders, collection agencies and court records. Not all lenders report to all three major CRAs. The FICO® Score that we provide to you is based on data from your Equifax report as of the ‘pulled on date’ shown with your score.
- What are key score factors?
  
  When a lender receives a FICO® Score, "key score factors" are also delivered, which explain the top factors from the information in the credit report that affected the score. The order in which FICO® Score factors are listed is important. The first indicates the area that most affected that particular FICO® Score and the second is the next significant area. Knowing these score factors can help you better understand your financial health over time. However, if you already have a high FICO® Score (usually in the mid-700s or higher), score factors are informative but, not as significant since they represent very marginal areas where your score was affected.
- Why is my FICO® Score different than other scores I’ve seen?
  
  There are many different credit scores available to consumers and lenders. FICO® Scores are the credit scores used by most lenders, and different lenders may use different versions of FICO® Scores. In addition, FICO® Scores are based on credit file data from a particular consumer reporting agency, so differences in your credit files may create differences in your FICO® Scores. The FICO® Auto Score 8 based on Equifax Data that is being made available to you through this program is the specific score that FCU uses to manage your account. When reviewing a score, take note of the score date, consumer reporting agency credit file source, score type, and range for that particular score.
- Why do FICO® Scores fluctuate/change?
  
  There are many reasons why a score may change. FICO® Scores are calculated each time they are requested, taking into consideration the information that is in your credit file from a particular consumer reporting agency (CRA) at that time. So, as the information in your credit file at that CRA changes, FICO® Scores can also change. Review your key score factors, which explain what factors from your credit report most affected a score. Comparing key score factors from the two different time periods can help identify causes for a change in a FICO® Score. Keep in mind that certain events such as late payments or bankruptcy can lower FICO® Scores quickly.
- How do I check my credit report?
  
  Because your FICO® Score is based on the information in your credit report, it is important to make sure that the credit report information is accurate. You may get a free copy of your credit report annually. To request a copy of your credit report, please visit: annualcreditreport.com. Please note that your free credit report will not include your FICO® Score.
- Why are you providing FICO® Scores?
  
  Reviewing your FICO® Scores can help you learn how lenders view your credit risk and allow you to better understand your financial health.
- What do I need to access my account information?
  
  Flora® can only return account information over the phone and FCU Anywhere online and mobile banking. To access any protected information, you'll need the following:
  
  Phone:
  - member number
  - Phone PIN received at account opening
  How to find your member number. Your member number can also be located in FCU Anyhwere Online and Mobile banking in your Account Details.
  Need assistance with your phone PIN? Follow the phone prompts to reset.
  
  FCU Anywhere online and mobile banking:
  - username
  - password
  If you are not setup with online and mobile banking, you can register here.
- What are some sample questions I can ask Flora®?
  
  Here are some account-specific requests you can make:
  - What is my checking account balance?
  - What is my recent transaction activity?
  - I would like to make a transfer.
  - I would like to make a loan payment.
  Here are some general questions you can ask:
  - What is the credit union’s routing number?
  - What is your mailing address?
  - What types of products do you offer?
  - How do I set up direct deposit?
- Access our Forms
- Need a different form?
  
  If you need a form or document and don't see it here, call Florida Credit Union at 352-377-4141 or toll-free 800-284-1144 and press 3 for account services.
- How do I find out what is the balance on my gift card?
  
  You can find your balance on your gift card one of two ways:
  1. Call 866-760-3156 to check your balance
  2. Contact any Florida Credit Union branch
- How does the gift card work?
  
  The gift card is a prepaid card that can be used most everywhere Visa® debit cards are accepted. Because it’s a prepaid card, spending is limited to the amount of money on the card. When the recipient makes a purchase, that amount is deducted from the card balance.
- Is the gift card a credit card?
  
  No. The gift card is a prepaid card. While a prepaid card looks similar to a credit card, gift card recipients do not have a line of credit. They can only spend up to the balance on the card.
- How can I purchase a gift card?
  
  Just visit your nearest branch.
- How do I activate my gift card and obtain the PIN?
  
  Call the customer support number listed on the back of your gift card to activate your card and receive an assigned PIN.
- What if the item I want to purchase costs more than the value on my gift card?
  
  When you present your gift card as payment, simply inform the cashier of the value of your card. You can then choose another form of payment for the remaining portion of your purchase.
- Can I add additional value to the gift card?
  
  No, this card is not reloadable. Once the balance is spent, the card should be cut up and thrown away.
- What should I do when the merchant’s sales terminal asks me to press ‘Debit’ or ‘Credit’?
  
  You should always press the ‘Credit’ button. Although the gift card is not a credit card, the transaction is processed like one. You should always sign a sales receipt.
- What if the purchase is denied?
  
  It probably means the card’s available balance is less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that some merchants (for example, restaurants, car rental agencies, salons, mail-order companies, and cruise lines) pre-authorize for an amount slightly higher than your actual transaction to ensure sufficient funds for tips or incidental expenses. This amount is “held” until the transaction settles to your prepaid card. Only the amount you sign for will ultimately be deducted from your card. Use of the card at automated fuel dispensers requires that a specific minimum balance be available on the card, which is determined by the issuer of the prepaid card, in order to complete the transaction. For example, the issuer may require that there is a minimum balance of $50 on the card in order to utilize the card at an automated fuel dispenser. Again, only the actual amount spent will ultimately be deducted from the card.
- Do I call if I think there has been a transaction error on my gift card?
  
  If you believe there is an error, such as a purchase that you do not recognize, simply call us at 866-902-6082.
- Can I use my card for recurring transactions?
  
  No, the gift card may not be used for automatic recurring transactions such as internet service providers or health club fees. The card may not be used for internet gambling or any illegal activity.
- Can I use my card for online transactions?
  
  Yes, but the card must be registered. After registering, the card will have all the necessary information updated to complete a transaction over the phone or online. Register your Visa® Gift Card by calling the support number listed on the back of your gift card.
  
  The gift card may not be used for automatic recurring transactions such as internet service providers or health club fees. The card may not be used for internet gambling or any illegal activity.
- Fundraising and Donation Drives
  
  Florida Credit Union's branches all participate in three annual donation drives: FCU’s School Supply Drive, FCU’s Pet Supply Drive and FCU’s Holiday Food Drive. The proceeds raised at each location are donated to organizations in that branch’s neighborhood. Since the program's inception, we've collected hundreds of pounds of food and supplies and thousands of dollars for worthy recipients.
- Event & Organization Sponsorship
  
  Non-profit and charity organizations do exceptional work throughout central and northern Florida. Their tireless efforts to help others inspire us at FCU. That's why we regularly offer them financial support through both direct sponsorship and event funding. Recent recipients include:
  - Local youth sports teams
  - The Education Foundation of Alachua County
  - Marion County Education Foundation
  - The March of Dimes
  - The American Cancer Society's Relay for Life
  - Holiday events like Fanfares and Fireworks in Gainesville
  - Community staples like the Strawberry Festival in Starke
  - Chamber of Commerce events
  - See upcoming FCU-sponsored events
- School, Student & Teacher Support
  
  Florida Credit Union was founded in 1954 as the Alachua County Teacher’s Credit Union. Ever since then, we've maintained a strong connection to local schools and education-based organizations. In addition to sponsoring school sports teams, here are two of our ongoing efforts:
  - FCU representatives visit nearly 100 schools across the region annually during “FCU’s Back-to-School Teacher Appreciation” period. They provide breakfast or lunch and goody bags to faculty and staff, present a monetary donation to each school, and answer questions about the credit union.
  - FCU supports local students with three scholarship opportunities each year. They are the Dr. John C. Rawls Scholarship Fund; the Servin-Ellis Scholarship Fund; and the Buchholz Academy of Finance Scholarship. Awards are based on student scholastic records, future potential, character, and financial need.
- How do I make a payment on my home equity loan?
  
  There are many convenient and safe options for you to make a payment on your FCU loan. View your available payments options here.
- How much of my home’s equity can I borrow?
  
  You can borrow a minimum of $10,000, with a maximum depending on your credit history, available equity in the property and your current monthly debt.
- What determines my borrowing limit?
  
  The borrowing limit is determined by several factors, including the debt-to-income ratio, credit score, credit history, and financial profile.
- What is the difference between a Home Equity Loan and a Home Equity Line of Credit (HELOC)?
  
  A home equity loan is a one-time lump sum paid back in monthly installments. A home equity line of credit, or HELOC, allows you to continually borrow money up to a certain amount. As you pay off the balance, your credit revolves, allowing you to use it again. Unlike a loan, payments are based on amount advanced and not the full loan amount.
- How is the value of my home determined?
  
  To determine the value of your home accurately, you can use one of these methods: use an online home valuation tool, hire a professional appraiser, or consult a realtor.
- How long will it take to receive my funds?
  
  Home equity loans can take up to 30 days to fund.
- Is the interest from a Home Equity Loan or HELOC tax deductible?
  
  The interest from both may be tax deductible if it meets the IRS guidelines.
- Will there be fees?
  
  FCU pays all closing costs for loans less than $250,000. If the loan is greater than $250,000, then the borrower pays for a title search. If loan is paid off within 24 months of the loan consummation, then the borrower is required to reimburse FCU for any closing costs paid by FCU.
Loans
- What devices can I use to deposit my checks?
  
  What devices can I use to deposit my checks?
  
  Here are the system requirements for using the FCU mobile app.
  - All iOS devices with a camera and last two major operating system versions
  - All Android devices with a camera and operating system version 5.0 and above
- What types of checks can I deposit?
  
  Types of checks accepted with mobile deposit:
  - Personal checks
  - Business checks
  - Government/treasury checks
  - Cashier’s checks
  - Checks must be from a U.S. institution and in U.S. dollars.
  Types of checks not accepted with mobile deposit.
  - Foreign checks
  - Travelers checks
  - Money orders
  - Savings bonds
  - Convenience checks
  - Checks made payable to names not on your account.
- Are there any fees for using mobile deposit?
  
  There is no additional fee for using the Mobile Check Deposit service, but we do recommend that you check with your service provider to see if there are any wireless carrier fees.
- How soon will my funds be available?
  
  We will generally make the first $225 of a day’s total deposits available the following business day with the remaining amount subject to holds, based on the account type.
- Is there a daily maximum deposit amount?
  
  Yes, you will receive your daily and monthly limit information when you are set up for Mobile Deposits. The app will also tell you how much is available at the time of deposit.
- What should I do with my check after depositing it using the FCU mobile app?
  
  Once you receive deposit confirmation and print the confirmation for your records, keep the check for 14 days and then destroy it as a security measure. There is no need to mail the check to FCU.
- Can I email or fax the uploaded check to FCU to complete my deposit?
  
  No. We only accept check images uploaded directly through the mobile app.
- Can I see the checks after I submit through the app?
  
  Yes, the image of the check will be available in the app for 90 days.
- Can I use the mobile app to add funds to accounts other than FCU checking or savings accounts?
  
  Yes, you are able to transfer funds to other financial institutions using the mobile app.
- I selected the wrong account for deposit, what should I do?
  
  Once the funds are available in the account the check was deposited in, you can perform a fund transfer between FCU deposit accounts and the funds will be available immediately.
- If I discover I’ve entered an incorrect amount for the deposited check, should I redeposit the check?
  
  No. The system reads the dollar amount written on the front of the check. If necessary, we’ll correct the amount within 2 to 3 business days.
- The check I deposited was returned. Can I upload the check again?
  
  No, you cannot upload the returned check. Your account will be assessed a return item fee (refer to FCU Fee Schedule) and you will receive a copy of the deposit. If you wish to redeposit the returned check, you may do so by mailing the image of the item to FCU.
- What if there is a problem with my deposit?
  
  Once you’ve made your deposit, you will get an email confirmation that we’ve received your deposit and are processing it. If there is any problem with the transaction, like insufficient funds or potential fraud, you’ll receive an additional email with further instructions.
- Why doesn't my current balance reflect my recent deposit?
  
  There may be a problem that requires staff to review the image of the check. This process will happen within one business day. Once reviewed, the deposit is reflected in your account.
  
  If you did not receive confirmation, your Mobile Deposit may not have been successful. Please contact FCU Member Support to determine your next step.
- Are my savings deposits insured?
  
  Yes! The National Credit Union Administration (NCUA) insures all savings accounts up to $250,000.
- What are the fees on money market accounts?
  
  There is no monthly maintanance fee for our money market acount. View our fee schedule.
- How do I make a payment on my mortgage loan?
  
  There are many convenient and safe options for you to make a payment on your FCU loan. View your available payment options here.
- How much can I afford?
  
  A great rule of thumb to use is 2.5 times your annual household income. If your income is $75,000 annually then a good starting point is $187,500.
- What documents do I need?
  
  FCU doesn’t require documents upfront from borrowers in order to issue a preapproval letter. A completed mortgage application is needed in order for one of our loan officers to get you preapproved for a mortgage.
  
  After you are preapproved, then the items on this checklist will be needed in order to proceed with the mortgage. These documents can be uploaded to our secured portal.
- What are mortgage points?
  
  Mortgage points, also known as discount points, are fees a homebuyer pays directly to the lender in exchange for a reduced interest rate. One point is 1% of the mortgage loan amount. It’s important to consider how long you’ll own the home and the time it will take to recoup the cost of buying points. Let our MLO help you decide if paying points is a good option for you.
- Is an appraisal required?
  
  An appraisal is needed on most loans. However, there are some FNMA (conventional) loans that may qualify for an appraisal waiver. This will be determined once we have an application with a known address.
- Do I find a house first or apply for the loan first?
  
  Either way is fine. If you already have a home in mind feel free to apply. The quickest way to find a home however is to make sure to get pre-approved for the loan first. This will empower you, so that you know what price range to look for. Also, you will know beforehand your potential mortgage payments. A pre-approved letter shows the seller and the realtor that you are a qualified buyer. Realtors will be more inclined to show you homes, and even offer you first preference if there are multiple offers, especially if the other buyers aren’t pre-approved.
- What is escrow?
  
  When you make your mortgage payment, a monthly portion of it goes towards your taxes and insurance, establishing an escrow account. Escrow accounts are beneficial in that you're able to pay taxes and insurance on a monthly basis instead of a large lump sum payment annually.
  
  If you have any specific questions about your escrow account, please email Escrowinsurance@flcu.org.
- How can I submit a proof of insurance?
  
  You can submit proof of insurance by emailing the document to Escrowinsurance@flcu.org.
Online Banking
- Achieve Financial Fitness with Balance
  
  At Florida Credit Union, we care about your financial wellness. That's why we've partnered with BALANCE, a nonprofit, industry-leading organization that offers FCU members free access to debt management advice, financial workshops and webinars and online tools. To access these confidential, no-cost financial counseling services, please visit flcu.balancepro.org.
- Benefit from a Personal Financial Assessment
  
  How can you make more efficient use of your money? One way is to set a monthly household budget and stick to it. You can get started with a personal financial assessment from our partners at Balance Pro. You'll receive feedback and guidance suited to your specific needs, as well as an action plan to prepare for your financial future.
- Buy Smarter with Auto Advisor Services
  
  Owning a new car can be a lot of fun. but the buying process can be quite stressful. The good news is that Florida Union offers a free Auto Advisor Service that provides guidance to our members. You'll learn how to save money, negotiate for the best deal in a high-pressure situation, and get the right car at the right price with a great car loan. Learn more about this free credit union benefit by calling one of FCU's branches.
- Enhance Your Credit Score
  
  Your credit score is important. For one thing, it can determine whether you get a loan and how much interest you pay on it. Knowing your score and how to improve it is critical for your financial well-being. As a Florida Credit Union member, you're entitled to a free credit report analysis. Call or stop by your local branch to take advantage of this free service.
- Road to Homeownership Guide
  
  A first home is the single most exciting purchase many people make in their lifetime. It can also be a wise personal and financial decision. If you are considering homeownership, it’s never too early to start planning. Though the process can feel overwhelming at times, it’s really nothing more than a series of practical steps. With our Road to Home Ownership Guide, we're taking every step with you.
- Calculators
  
  Our financial calculators provide you with the tools you need for running numbers before making big financial decisions. View our calculators here.
- How can I make my loan payment?
  
  There are many convenient and safe options for you to make a payment on your FCU loan. View your available payments options here.
- What information do I need to provide to apply for a loan?
  - How much you want to borrow for your loan
  - How long you'd like to finance your loan
  - Your contact information, including Social Security Number, address, phone number and email
  - Current employment and income (including your employer's name and contact information)
  - Information about your co-applicant, if applicable (date of birth, address, phone number, email, income, employer's name and phone number, Social Security Number)
- Are there any origination fees?
  
  Yes, personal installment loans have an application fee between $25-$100 depending on your loan type. The revolving lines however, such as credit card and personal line of credit do not have an origination fee
- How long does it take to receive a credit decision?
  
  Decisioning is provided within minutes in most cases.
- Can I change my due date?
  
  You can! Contact FCU to find the perfect payment date for you.
- How often are payments due?
  
  Payments are due monthly, and you're also able to pay ahead up to six months
- Can I make extra payments or pay off my personal loan early?
  
  Yes, you can make payments up to six months. Also, there is not penalty fee to pay off your loan early
- Florida Credit Union's privacy policy
  
  Florida Credit Union’s Privacy Policy explains personal information usage related to personal banking services, small business banking products, and all other financial services we offer.
- Account Disclosures
  
  FCU Anywhere Online Service Agreement
  
  FCU Bill Pay Agreement Service Agreement
  
  eConsent Disclosure Form
  
  Membership and Account Agreement
  
  Membership and Account Agreement for Commercial Services
  
  Error Resolution Notice
  
  Opt-Out Notice
  
  Billing Rights for Members with a Credit Card or Line of Credit
- Credit Card Disclosures
  
  Credit Card Agreements During Promotional Period
  - Platinum Wave Rewards Promo Credit Card Agreement
  Credit Card Agreements
  For cardholders prior to 12/18/2024: please contact FCU to obtain a copy of your credit card agreement.
- How your accounts are Federally Insured?
  
  From the National Credit Union Administration:
  
  English
  Spanish
- Consumer - Important information about procedures for opening a new account
  
  To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means, when you open an account, we will ask for your name, address, date of birth, and other identifying documents.
- Business - Important information about procedures for opening a new account
  
  To help the government fight financial crime, Federal regulation requires certain financial institutions to obtain, verify, and record information about the beneficial owners of legal entity customers. Legal entities can be abused to disguise involvement in terrorist financing, money laundering, tax evasion, corruption, fraud, and other financial crimes. Requiring the disclosure of key individuals who own or control a legal entity (i.e., the beneficial owners) helps law enforcement investigate and prosecute these crimes.
- Marketing Opt-Out Notice
  
  You should know that credit bureaus are permitted to sell your name, address, and other contact information to companies that wish to market to you their credit or insurance products or services. You have the right to prohibit the use of your file with any credit reporting agency in connection with any transaction that you did not initiate. You may exercise this right by notifying Equifax Options, PO Box 740123, Atlanta, GA 30374-0123; TransUnion, Name Removal Option, PO Box 97328, Jackson, MS 39288; Experian Consumer OPT-OUT, 901 W. Bond, Lincoln, NE 68521; or call 1-888-5OPT-OUT (1-888-567-8688).
  
  In addition, to stop telemarketers from calling you, you may enroll in the National Do Not Call Registry by calling 1-888-382-1222. By enrolling, telemarketers may not call you to sell goods or services unless you have a previous business relationship with them.
- Google Analytics
  
  FCU uses Google Analytics, a service that uses “cookies” to track anonymous information regarding your activities on this site. This includes information about your visit including your device type, traffic source, and geographic area, as well as pages visited and links clicked. Some behavioral data may be provided by Google “cookies” that shows your gender and age range. This data is used to better understand how visitors access this site and provide a better overall user experience.
- Google Adwords & Remarketing
  
  FCU uses “cookies” to benefit our marketing campaigns. This includes tracking when campaigns result in a conversion, such as a user showing interest in a specific product. These “cookies” can also be used to present you with advertisements based on your actions on this site.
- Facebook Pixel
  
  FCU uses the Facebook Pixel to track activity on this site potentially including pages visited and links clicked. This data is used to track the effectiveness of our Facebook posts and advertisements, as well as to build remarketing audiences based on actions taken on this site.
  
  FCU takes your privacy seriously and ensures that no personally identifying information is stored in the “cookies."
  
  To opt out of Google’s cookies, click here. To opt out of third-party cookies, click here.
- Questions?
  
  Call 352-377-4141 or visit www.flcu.org
- Who we are / Who is providing this notice?
  
  Florida Credit Union
- How does Florida Credit Union protect my personal information?
  
  To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
- How does Florida Credit Union collect my personal information?
  
  We collect your personal information, for example, when you
  - Open an account or deposit money
  - Pay your bills or apply for a loan
  - Use your credit or debit card
  We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
- Why can't I limit all sharing?
  
  Federal law gives you the right to limit only
  - Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  - Affiliates from using your information to market to you
  - Sharing for nonaffiliates to market to you
  State laws and individual companies may give you additional rights to limit sharing.
- Are my savings deposits insured?
  
  Yes! The National Credit Union Administration (NCUA) insures all savings accounts up to $250,000.
- What is a share account?
  
  You may not know this, but members of Florida Credit Union are owners of the credit union! A share account is a savings account that establishes your ownership of the credit union.
- What are your current savings account rates?
  
  Our current deposit rates can be found here.
- What fees are associated with your savings accounts?
  
  Our fee schedule can be found here.
Support Center
- Are there limits on the amount of money I can transfer out?
  
  FCU account-to-account transfer — maximum dollar amount is $25,000
  Member-to-member transfer — maximum dollar amount is $25,000
  External account transfer — maximum dollar amount ranges from $1,000-$5,000 per transaction with monthly limits from $2,500-$10,000
  
  View our Online and Mobile Banking Transfer Policy for more details.
- Can I make a transfer from an external account?
  
  Yes. You can make a transfer from an external account to your loans, credit cards, and shares. However, you may need to manually add your account to initiate the micro deposit from your other financial institution.
- Can I make a transfer to an external account?
  
  Yes! Take a look at this video to learn how to add external accounts in FCU Anywhere.
- Take note of high-risk countries
  
  Unfortunately, fraud risks are greater in some places than others. Florida Credit Union automatically blocks transactions that take place in certain countries.
  - Automatically blocked countries currently include Russia, India,Turkey, and Honduras. Review the complete list.
  - The countries change on a regular basis based on patterns of fraud. So consult the list each time you make travel plans.
  - If the country or countries you plan to visit are on this list, FCU can unblock them for you for the duration of your visit.
- Tell Florida Credit Union your plans
  
  Let us know where you are going and when you will be traveling to make sure you can access your FCU accounts with no problems.
  - Call any of our branches to tell us of your plans.
  - Complete a Notice of International Travel form at least two weeks prior to your trip.
  - Include all countries you will be visiting, as well as any countries where you may have a layover and might be making a purchase or accessing cash from your account.
  - Even if you're traveling within the U.S., please contact FCU with the dates and cities and states you will be traveling to.
- What is the difference between a Will and a Trust?
  
  Wills and Trusts have a lot of overlap, but also a lot of differences.
  
  Wills are simpler documents that let you name guardians for kids and pets, designate where assets go, and specify final arrangements. The simplicity of a Will does come with some drawbacks: a Will offers more limited control over the distribution of assets and often must go through a probate process after death.
  
  Like a Will, a Trust also controls the disposition of assets but provides greater control over when and how your assets are distributed. Trusts only apply to assets held in the Trust, so you will need to transfer assets to the Trust. This makes a Trust a little more complex to set up, but it brings a major benefit. Trusts are also often used to minimize or avoid probate entirely, which can be a huge draw for many and justifies the additional work upfront needed to create a Trust.
  
  Both are ways to say who will receive your assets - Each has different ways of distributing those assets, as well as different advantages and disadvantages.
- How long will it take to complete a Will or Trust?
  
  Most people complete a Will in 15 minutes, and a Trust in about 20 minutes. All your answers are saved as you go, so feel free to pause and come back to pick up where you left off at any time!
- Is Trust & Will a law firm?
  
  We are not a law firm, and we are not a substitute for a lawyer or a law firm. We cannot give legal advice, guidance, or services. No attorney-client relationship is formed by any interactions with us and information provided to us is not protected by the attorney-client privilege.
- Is an online estate plan right for everyone?
  
  Yes! Online Estate Planning offers the same level of validity and function as its traditional counterpart, with added advantages (such as affordability and accessibility). By leveraging advanced technology alongside exceptional customer support, their services ensure a smooth experience from start to finish, simplifying estate planning for everyone. Trust & Will is the trusted estate planning partner of 100+ financial institutions across the US.
- What is a Youth Savings account?
  
  A youth account is a savings account designed to help kids learn about financial concepts, such as earning and saving money.
- What happens when a minor becomes an adult?
  
  When your child turns 18 years of age, their account will convert into either a standard checking or savings account. Your teen can then choose to keep you on their account as a joint, or convert the account into an independent account.
- Is there a minimum balance for a Youth Savings account?
  
  There is a $5 minimum balance for a youth account, as it is a share account and represents the share of ownership.
- Can multiple Savings accounts be opened for my child?
  
  Yes! You can open multiple youth savings accounts for your child.
- Does Florida Credit Union offer Teen Checking accounts?
  
  Florida Credit Union offers teen checking accounts to teens aged 16 and up.
- What are the requirements for opening a Youth Checking account?
  
  To open a youth checking account, your child must be 16 years or older.

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