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Savings/Deposit Accounts

How do I set up direct deposit or automatic payments from my accounts?
To authorize a third party to deposit or withdraw funds to and from checking you need both our routing number and your account number. Our Routing Number is 272479812.

Account number formats are shown below.

 

Checking Format

Savings Format

Individual accounts opened before June 1, 2015

71047XXXXX–88
Example: 710471234588

10000000XXXXX
Example: 1000000012345

Individual accounts opened after June 1, 2015

13000000XXXXX
Example: 1300000012345

 

Opportunity Checking:

13100000XXXXX
Example: 1310000012345

10000000XXXXX
Example: 1000000012345

How do I request a stop payment?
You can place a stop payment on a check or range of checks online banking by click on the Stop Payments option under the Accounts Tab.   The fee will automatically be taken from your account.  If you need to place a stop payment on a pre-authorized electronic transaction (ACH), you will need to contact us at 800.837.4562.

Will I get a notice before my certificate renews?
You will get a reminder notice about 10 days before maturity so you may give us your instructions by phone, mail, email or fax. If we do not hear from you, the certificate will automatically renew for the same term at the current interest rate. You have a 10-day grace period after the renewal date to give us instructions without coming into the office. After 10 days, we require an original signature to make any changes, either in person or by mail. Penalties may apply for changes after the grace period.

Are Money Fund withdrawals limited?
Federal Regulation D limits the number of transfers per month members can make from their Money Fund account to a savings or checking account to six. When members call and try to make additional transfers, we get a message that the limit has been exceeded.  Automated telephone, online and mobile banking will also prevent the transaction from occurring.  

Are there any limitations on the number of savings withdrawals I can make?
Federal Regulation D limits the number of transfers per month members can make from their Savings account to another account to six. When members call and try to make additional transfers, we get a message that the limit has been exceeded.  Automated telephone, online and mobile banking will also prevent the transaction from occurring. 

How can I found out much interest did I earn last year?
This information can be found using online banking or automated telephone banking. 

When are 1099 INT forms mailed?
Forms are mailed prior to January 31.  If you have eStatements, no form will be mailed, but will be able to you online by clicking on the eStatements tab.

Why did I not receive a 1099 INT?
One of two reasons may apply.  First, if you have eStatements, no form was mailed, but will be able to you online by clicking on the eStatements tab.

Second, we are only required to report interest earned when it exceeds $10 for the tax-reported for owner of accounts.   

Where can I find basic information about LOC account fees?
Both our personal fee schedule and business fee schedule are available online.

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