DeutschFAQ
General
Q. What is a credit union?
A. Credit unions are financial cooperatives owned by their members. Credit unions serve the needs of their members and not those of outside shareholders. All members have equal voting rights, regardless of the amount of their deposits.
Q. How is a credit union different from a bank?
A. Banks are for-profit institutions in business solely to earn a profit for their stockholders. Credit unions are financial cooperatives operated solely for the benefit of its members. Credit unions typically offer the same products and services that other financial institutions offer, with lower or no fees. Most importantly credit unions are known for the excellent service we provide each and every member.
Q. Does Access Credit Union offer Online Banking?
A. Yes! Click on the Log-in button on the right hand side of this page.
Q. Are the funds I place in Access Credit Union insured?
A. YES. All deposits are guaranteed without limit by the Credit Union Deposit Guarantee Corporation.
Q. How can I access my account without visiting a branch?
A. You can do most all of your banking without ever visiting a branch by using direct deposit, Automated Teller Machines, CU@Home, CUbyPhone, your Debit Card, and the mail.
Q. Can I get information about my account by phone?
A. Access Credit Union offers you two ways to get your account information by phone. You can speak with a Member Services Representative at your branch. You can also receive your account information 24 hours a day, 7 days a week, by calling our CUbyPhone automated system. In order to access this system you must first have your account set up for phone access.
Q. When are the deposits I make available?
A. All deposits made in the branch are available immediately unless the teller informs you of a hold placed on a cheque. Deposits placed in a Night Drop or ATM will not be posted until the next business day and cheques may be subject to a hold of two or more business days. Direct Deposited items will be available the morning the Direct Deposit is posted.
Q. How do I set up Direct Deposit of my payroll cheque?
A. After you have established your account, you will need to give your employer your account number, as well as the credit union’s routing and transit number. The easiest way to accomplish this is to give your employer a cancelled check or blank deposit slip. You can also contact us to get our routing and transit number and your account number. NOTE: You can only have your cheque Direct Deposited if your employer offers Direct Deposit to its employees.
Q. How do I set up other Direct Deposits?
A. After you have established your account, you will need to give the agency or company from whom you are receiving the Direct Deposit your account number and our routing and transit number. The easiest way to accomplish this is to give them a cancelled cheque or blank deposit slip. You can also contact us to get that information. NOTE: You can only have your cheque Direct Deposited if Direct Deposit is offered by the cheque issuer (i.e. your employer).
Q. Are wire transfers possible to and from my Access Credit Union accounts?
A. Access Credit Union can both send and receive wire transfers to and from your accounts. There is no minimum or maximum transfer amount. We offer both International and Domestic wire transfers. Service charges depend on the destination.