Services

Application Forms

Our applications are located in the Deposit Accounts section of this website. We provide applications for indivduals, as well as small business and nonprofit organizations.

ATM Locators

Locate the nearest CO-OP network ATM with your cell phone or any computer by following the instructions below.

ATM Locator using your cell phone. Members with cell phones can text MYCOOP (692667) to find a surcharge free CO-OP ATM, anywhere in the United States. In the message field, simply type in an address, including the city and state, in the vicinity of your desired location. You may also type in the intersection of two streets including the city and state. A return text message will be received with a list of the nearest ATMs in that area. To see an expanded list of locations, simply reply to the message with "More." This locator service is available at no additional charge to members. However, your standard text rates will apply.

ATM Locator using a computer. Use the following website address to locate a

CO-OP network ATM anywhere in the United States:

http://www.co-opfs.org/public/locators/atmlocator/index.cfm

Members of the Credit Union enjoy nationwide access to ATMs that display the CO-OP, Cirrus, MasterCard, and Star network logos using our free debit or ATM card. Cashpoints ATMs are also available surcharge free to our members throughout North Carolina. When using an ATM at any other location, members of the Credit Union are subject to the fees and conditions of the business or financial institution providing the ATM.

Audio Banking - CU On Call

Call 1-866-708-0694 to access recent account information, perform transfers and withdrawals, and get up-to-date rate information on your Credit Union accounts. All that is needed is a member account number and a four-digit password. Access to account information is password protected for member security. Members must register with the credit union for initial access to CU On Call.

Automatic Transfer

With automatic transfer, you instruct the Credit Union to set-up a process for the electronic transfer of your Credit Union funds on a regularly scheduled basis. Use automatic transfer to make your Credit Union loan payments or fund that special Credit Union savings accounts.

Check Re-Orders

This service allows you to re-order checks directly from the check printing company without having to place the order through a credit union representative. Click on the heading, logo, or the following link https://reorder.harland.net to access the company's online check re-ordering feature. Note: the Harland Clarke website is a separate site governed by another firm's privacy policy.  

Credit Card Payment Information

1. eZ Card Online. Access your Visa credit card account online at https://www.ezcardinfo.com. Access to your account is password protected. With the eZ Card website, you can make credit card payments, get up-to-date information on your VISA account activity 24 hours a day, 7 days a week, and more.

1. Pay-By-Phone. When calling this service, you will be greeted by a live operator who will assist you with your payment. Cardholders attempting to avoid late charges find this to be a convenient alternative payment option. The cost for this service is $5 for each pay-by-phone payment posting to a cardholder’s account. This service will only allow funds to be drawn from a personal or company checking account, and there is a limit of one payment per processing day.

1. Payment By Mail. The typical monthly billing statement will include a tear-away payment stub containing your account and balance information, and all the information you need to properly submit your payment by mail. Use the envelope that comes with your billing statement to simply return the stub, along with a check in the amount of your payment, to the address listed on the payment stub.

Members requiring help with any of the above methods are welcome to contact the Credit Union.

Credit Reports
It is a good idea to check your credit report to be certain about the status of your credit record. Some creditors may report to only one of the major credit reporting bureaus, while other creditors may report to all three bureaus. In order to get an accurate picture of your credit, you may consider ordering your credit report from all three bureaus—Equifax, Experian, and TransUnion. 

Equifax  1-800-685-1111
Experian  1-888-397-3742
TransUnion  1-800-888-4213

A federal law known as the Fair Credit Reporting Act (FCRA) allows you to obtain a free credit report every year. Additionally, if you have been denied credit, you have the right to receive a free copy of your credit report, and each of the three credit reporting agencies will provide you with a free copy if you have been declined within 60 days. Use the contact information below to get more information and order your free credit report. 

U.S. Federal Trade Commission:
Online: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm,
Mail: Annual Credit Report Request Service, P O Box 105281, Atlanta GA  30348-5281

Call: 1-877-322-8228

Debit & ATM Cards

Our cards carry the Self-Help Credit Union name and are available free-of-charge to our members. Use the debit card to make purchases at retail locations that accept MasterCard. Enjoy free nationwide ATM access with our debit or ATM card where you see Cirrus, CO-OP, and STAR network logos, as well as Cashpoints ATM terminals in North Carolina.

The ATM card is available free-of-charge for members who want the convenience of an ATM card without the point-of-sale purchasing benefit of a debit card.

If your card has been lost or stolen, please call the appropriate number below to report it:

• 888-241-2510 Toll free and inside the US
• 909-941-1398 Collect and outside the US

Direct Deposit

Direct deposit is a convenient and secure way to have your paycheck or other recurring income payment deposited directly into your credit union account. Do away with time delays associated with manually depositing certain checks. Save money by eliminating unnecessary check cashing fees. Enjoy immediate access to available funds. Direct deposit is a free service.

If you are an employee, then talk with the HR department at work about enrolling in direct deposit.

If you receive Social Security, Supplemental Security Income (SSI), or any other federal benefit payment, then Go Direct is the direct deposit option for you. Enroll online at www.GoDirect.org, or call toll-free at 1-800-333-1795. Go Direct is sponsored by the U.S. Department of the Treasury and the Federal Reserve Banks.

Financial Education Tools- Balance
Carolina Family Credit Union has partnered with Balance to provide free financial education tools to our members. Click on the links below to access the financial education tools offered by Balance, including money management, credit informatio, vehicle financing, homebuying finance, checking account management, identity theft, investing, financial planning, and finances for college students and teens.

We recommend the services provided by Balance to help our members achieve greater financial understanding.

Loan Calculators
Link to the loan calculators provided by our financial counseling partners at Balance to figure out how much you can afford to pay for a home or personal loan.

Online Banking 

Our online banking system, called CU... At Your Service!, is a secure, self-service, electronic banking service that's available to members at no charge. Use online banking to access Bill Pay and electronic statements. Make loan payments, review account balances, determine which checks have cleared an account, etc., at any time of the day or night, using a computer. Retrieve up to 90 days worth of account information from any of your Credit Union accounts. Online banking is password protected, and you must be a member of the Credit Union to access this service. Click here to link to the online banking login page.

Bill Pay

With Bill Pay, you retain complete control and maximum payment flexibility over which bills to pay and when they’ll be paid. You can even request a 1 or 2 day rush delivery of a payment. Bill Pay is free when you have any two of these three products/services: direct deposit, debit card, and e-statements. Access Bill Pay through online banking- CU... At Your Service!

Electronic Statements

Get all of your Credit Union account information in a convenient electronic format. Electronic statements are free of charge and provide a "green" alternative to paper statements. E-statement recipients will receive a simple email notification each time a new e-statement is available for viewing. Access e-statements through online banking- CU... At Your Service!

Credit Card Account Management- Visa
Link to Visa's eZ Card Info website at https://www.ezcardinfo.com to securely pay your Visa credit card bill and get up-to-date information on your Visa credit card account, using your computer. Access to your account is password protected for your security. The eZ Card Info website is a separate site governed by another firm's privacy policy.

Overdraft Transfer and Line of Credit

Overdraft Transfer will link your checking account to your designated Credit Union source account. Funds from the source account are paid out when there are insufficient funds in your primary checking account. The entire balance of the source account is accessible for overdraft transfer payments, if needed. The Credit Union will charge a small fee for each overdraft transfer.

Overdraft Line of Credit is a short-term interest-bearing loan from the Credit Union designed to cover insufficient funds in your checking account. The overdraft line of credit will cover the unpaid balance of approved transaction charges, up to the approved amount of your line of credit. The maximum line of credit is $2,000. To be approved for an overdraft line of credit you must qualify under the Credit Union's loan qualification and approval guidelines.

Overdraft coverage is only available with a basic, premium, or small business checking account, and will only apply to the payment of approved transactions made at retail locations and similar third party merchants. The Credit Union does not permit access to overdraft coverage as a direct source of cash.

Payroll Deduction

With payroll deduction, you can make your loan payments on time without having to transfer funds, write a check, or visit the branch. Talk with the human resources department at your job to arrange for payroll deduction.

Shared Branch Network

Access more than 4,000 participating financial service center locations, nationwide. Make deposits, loan payments, and withdrawals at any participating shared branch location. When transacting at a shared branch location, you must provide your full Credit Union member account number and identify yourself as being a member of Self-Help Credit Union (remember: we operate as a division of Self-Help Credit Union). Note: you will be charged a $2 fee for withdrawals when using a shared branch location. There is no charge for deposits or loan payments at shared branch locations.

Use the following toll-free number or website address to find any shared branch location.

800-919-2872 (CUSC)                    www.cuservicecenter.com

Some shared branch locations are self-supporting, while others operate through established credit unions. Self-supporting locations will display the Credit Union Service Centers name. Regardless of the location, you will be able to conduct credit union business with confidence.