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1. How do I get my paycheck to be directly deposited into my account? Just visit your payroll department for a direct deposit form. All you need is your account number and your ESFCU routing number. You can designate to have funds go to checking and savings. Account number: You must put a zero before and after your account number. 2. What information do I need in order to set up an automatic withdrawal from my checking account? (i.e. insurance payment or other monthly bill) Contact the company to see what their policy is pertaining to automatic withdrawals. Some companies require a voided check to start an automatic withdrawal which provides your ESFCU checking account number and ESFCU routing number. Account number: You must put a zero before and after your account number. 3. What are your wiring instructions? To wire funds into a Credit Union account you must wire to:
For credit to Emporia State Federal Credit Union
4. What do I do if my wallet is stolen? To secure your account, we will deactivate your Visa Check Card immediately from further usage. In the event your checks or account information is stolen or misplaced, please contact the credit union as soon as possible. Stop payment orders and security arrangements can be made on your account to prevent stolen checks from clearing your account. Safety Tip: Keep your Visa Check Card pin number separate from your actual card. Please contact us as soon as possible in the event that your Visa Check Card is stolen or misplaced (620-342-2336 or 866-342-2336). If unable to reach the credit union directly, the Star network can be reached 24 hours a day/ 7 days a week at 1-800-523-4175. 5. How long before I receive my checks? Each check order is processed at Liberty Check Printers within two business days and shipped from the company via third class mail. Typically, it takes 7 to 10 business days to reach its final destination. In a hurry? Requests can be made to have your check order shipped by express mail at an additional charge. Check with the staff for specific pricing. 6. Why do you place holds on checks being deposited? Check holds protect you - the member and the Credit Union. Each member is ultimately responsible for checks that are deposited (or cashed) and returned to the credit union unpaid for any reason. This includes instances when you have already withdrawn the funds. Typically, it is the credit union’s policy to give immediate credit for deposits made to ESFCU. However, to ensure the funds are collected from every check, holds may be placed on a case by case basis up to 15 business days. You will receive a notice of all holds placed on funds deposited into your Credit Union account at the time of presentment. If unable to give immediate notice, notification may be mailed to your address. Example: Credit card checks Example: Personal 2-party checks Please check with a Member Service Representative for more information pertaining to Availability of Funds at your Credit Union. 7. When I am using my Visa Check Card and they ask me if it’s Debit or Credit, what should I say? That depends. Most of the time, you will say “Credit”. This does not mean that this is a credit card. All it means is that the transaction will be processed as a credit which is the less expensive way for the credit union. The amount will still be deducted from your checking account. If you wish to get cash back, then you would say “Debit”. You will then be prompted for your PIN (Personal Identification Number). A good way to remember is to think Credit Union Visa Check Card- and just say “Credit”. 8. Sometimes, when I use my Visa Check Card at a local discount superstore, they tell me that I must push “Debit” - what should I do? It is more cost effective for merchant if you push “Debit” and more cost effective for the Credit Union if you push “Credit”. They have the ability to process the transaction both ways. Just remember, unless you are getting cash back, please push “Credit”. |
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