Services
Descriptions / instructions / links
ATM LOCATOR
For surcharge-free ATM service when you're out of reach of one of our branch ATMs, locate the nearest CO-OP network ATM with your cell phone or any computer by following the instructions below:
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.
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
Additionally, Cashpoints ATMs are also available surcharge-free to our members throughout North Carolina.
Our cards will work in ATM terminals that display the CO-OP, Cirrus, MasterCard, and Star network logos. However, charges may apply at terminals where the CO-OP logo is not displayed.
AUDIO BANKING "CU on Call"
Call 1-866-708-0694 to access this service. Access to specific account information requires a username and password. Contact the Credit Union to obtain initial login permission.
AUTOMATIC TRANSFER
With automatic transfer, you arrange for the electronic distribution of your funds on a regularly scheduled basis to pay bills, make loan payments, fund savings accounts, etc.
Fund transfer arrangements vary widely, and there are specific forms for specific authorizations. Therefore, we ask that you first contact us and speak with a representative to correctly establish automatic transfer arrangements.
BILL PAY
Bill Pay is a popular feature of our online banking service. Any Bill Pay user must open and maintain a checking account with the Credit Union
to be eligible for this service. A demonstration of Bill Pay is available on the login page of our online banking service (CU... At Your Service!).
Bill Pay service is FREE when you have any two of these three services through us: debit card, direct deposit, and e-statements. Otherwise, there is a monthly fee charged for the use of this service.
CHECK RE-ORDERING
Order your credit union checks directly from Harland Clarke, without having to contact the branch to place your order. Harland Clarke will assess a charge for replacement checks.
The Harland Clarke website is a separate site governed by another firm's privacy policy.
CREDIT CARD PAYMENTS (Visa only)
Use Visa's eZCardInfo online service site to make credit card payments and get up-to-date information on your credit card account activity 24 hours a day, 7 days a week. Access to your account is password protected for security.
The cost for this service is $5 for each payment that posts to a cardholder’s account. This service will only allow funds to be drawn from a checking account. There is a limit of one payment per processing day.
The typical monthly billing statement will include a tear-away payment stub containing all of 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 may contact the Credit Union.
Learn about Visa’s Verified by Visa Online Shopping Security.
The Visa websites are separate sites governed by another firm's privacy policies.
CREDIT REPORTS
Contact one or all of these three bureaus to get your credit report:
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. Additionally, U.S. Federal law allows you to obtain a free credit report each year. Use the contact information below to learn more, and to order your annual credit report.
- U.S. Federal Trade Commission:
Online: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm
Mail: Annual Credit Report Request Service, PO Box 105281, Atlanta GA 30348-5281
Call: 877-322-8228
DEBIT & ATM CARDS
Our debit and ATM cards carry the Self-Help Credit Union name and are available free-of-charge to our members.
Make purchases at retail locations that accept MasterCard. Enjoy 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.
For members who want to access their Credit Union accounts and funds at ATM terminals nationwide, WITHOUT the purchasing benefits of the 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.
Direct deposit is also used by the U.S. Treasury Department to issue federal government benefits payments. This may apply to you, if you are a senior citizen, or a person living with a disability, and you receive Social Security, Supplemental Security Income (SSI), or any other type of federal benefit payment. Get more information about, and enroll with, Go Direct by visiting the Go Direct website or by calling toll-free at 800-333-1795.
FINANCIAL EDUCATION
We have partnered with the Balance Financial Fitness Program to provide free financial education services to our members. We recommend and approve of the services provided by Balance to help our members achieve greater financial fitness.
Click on the Balance logo for information about these and other topics:
- Student Loans
- Buying a Vehicle
- Checking and Savings Accounts
- Credit Cards
- Investing
- Money Management
- Household Bills
The Balance website is a separate site governed by another firm's privacy policy.
LOAN CALCULATORS
Click on the highlighted text to access loan calculators. These calculators may help you figure out how much you can afford to pay in a home mortgage or personal loan. In addition to these do-it-yourself calculators, our loan officers are always available to assist you in estimating potential loan payments.
OVERDRAFT COVERAGE
We offer overdraft transfer and overdraft line of credit.
Overdraft Transfer will link a member’s checking account to the member’s credit union savings account. Funds from the savings account are paid out when there are non-sufficient funds in the member's primary checking account. The entire balance of the savings 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. All overdraft lines of credit are subject to the loan approval guidelines of the credit union.
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 for any qualified member is $2,000. Overdraft lines of credit are issued in an amount greater than the NSF amount to be covered by rounding up to the nearest $50.
Overdraft coverage will only apply to the payment of approved transactions made at retail locations and through similar third party merchants. Members do not have access to overdraft coverage as a direct source of cash.
SHARED BRANCH NETWORK
Contact the branch to enroll in the Shared Branch Network. Enrollment allows you to make deposits, loan payments, and withdrawals at any participating shared branch location (more than 4,000, nationwide). A small fee will be charged for withdrawals. There is no charge for a deposit or loan payment at shared branch locations.
To find a shared branch location:
IMPORTANT: When transacting at a shared branch location, you must identify yourself as being a member of Self-Help Credit Union and provide your full Credit Union member account number. We operate as a division of Self-Help Credit Union.
Some shared branch locations will display the Credit Union Service Centers name, while others operate through established credit unions. Regardless of the location, you will be able to conduct credit union business with confidence.
VEHICLE RESOURCES - NADA & Carfax
NADA provides vehicle pricing and other information.
Click on the logo to access the NADA website.
Get your Carfax report from the Credit Union for just $18!
Click on the logo to access the CARFAX website.
These companies and their services are completely independent of the Credit Union, and we bear no responsibility for the accuracy of the information provided by these companies. These websites for these services are separate sites governed by another firm's privacy policy.
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