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Here are the addresses for all FSU Credit Union branches. You can also learn more about branch hours, how to access more than 5,000 branches in our shared-branching network, and how to take advantage of the vast list of surcharge-free ATMs available to our members nationwide at http://fsucu.org/atms-locations.
834-1 W. St. Augustine Road, Tallahassee 32304
2190 Crawfordville Hwy, Crawfordville 32327
Evening Rose Branch
1612 Capital Circle NE, Tallahassee 32308
Frenchtown Financial Opportunity Center
412 W. Tennessee Street, Tallahassee
2806 Sharer Road, Tallahassee 32312
6274 Old Water Oak Road Suite 103, Tallahassee 32312
Tree Capital (Perry Branch)
1402 S. Jefferson Street, Perry 32348
412 West Tennessee Street, Tallahassee 32301
For assistance with you account number, please call FSU Credit Union during business hours at 850-224-4960.
To initiate an outgoing wire transfer, please print and fill out the FSU Credit Union Outgoing Wire Transfer Form completely. While filling out the form, you may need to fill out the intermediary section if the beneficiary party or business uses a separate bank or financial institution to receive their wire transfers before the money gets to the final destination. Finally, if you aren’t filling out and signing this form in the presence of an FSUCU Official, notarization and a copy of your driver’s license or government identification card are required.
It's important to know the wire cut-off times for submitting wire requests. If you want to send a wire transfer to a person or location inside the U.S., the FSUCU Outgoing Wire Transfer Form needs to be completed and submitted to FSUCU no later than 2 p.m. EDT. If you want to send a wire to an international financial institution, it must be submitted to FSUCU by 12 p.m. EDT in order for it to go out that day.
The fee for all wire transfers to a person or location inside the U.S. is $15. The fee for all wire transfers to an international financial institution is $30.
With a mission to "maximize members' financial well-being," we provide valuable resources, such as financial videos, websites, calculators, identity-theft information, and a request for a free credit report. All of this content is developed specifically for credit-union members by personal-finance experts and is updated frequently. We’re your one-stop source for high-quality financial information that you can trust. Visit www.fsucu.org and click LEARN in the menu to access a collection of financial-education resources.
FSU Credit Union offers a no-cost service to its members to help locate and negotiate the perfect vehicle for you. Click here to find out more about iDrive Concierge.
For fax numbers at all of our branch locations, visit http://fsucu.org/atms-locations.
To check the status of FSU Credit Union in case of a widespread regional event – including a hurricane – you may call the League of Southeastern Credit Unions Disaster Hotline toll-free number at 888-328-5767. FSUCU’s Disaster Hotline Extension is 77. In the event the above telephone number is unavailable during a disaster or other emergency situation, members can get updates on the status of FSUCU operations by calling the National Credit Union Administration (NCUA) Consumer Assistance Center at 800-755-1030.
We always welcome your question, feedback or idea about anything. Share it with us at http://fsucu.org/tell-me-more. We look forward to hearing from you.
There are four ways to update your personal account information.
- The recommended method is to make updates in Virtuoso Online Banking system by logging in, going to preferences and updating your information.
- If you don't use Virtuoso Online Banking, you can change your address at one of our branch locations.
- You can also download our Critical Data Change Form, fill it out, notarize it, and mail it with a valid, clear copy of your driver’s license to FSU Credit Union, P.O. Box 182499, Tallahassee, FL 32318.
- You can call us at 1-877-GOFSUCU, request a Critical Data Change Form via DocuSign to your approved email address that’s on your account.
For details, visit http://fsucu.org/money-market.
Your FSUCU accounts are federally insured to at least $250,000, and backed by the full faith and credit of the United States Government via a fund maintained by the U.S. Treasury and administered by the National Credit Union Administration. For details, visit http://fsucu.org/the-credit-union-advantage. For specific account questions, visit http://www.mycreditunion.gov/estimator/Pages/index.html.
Yes, just visit one of our branch locations.
Due to Reg D regulations, a member is allowed six unsigned transfers per month from certain Savings Accounts, including the Main Share Account. An unsigned transfer is any withdrawal where the member did not sign for that transfer or withdrawal. Visit http://www.federalreserve.gov/bankinforeg/regdcg.htm for details.
Some members will set up a line of credit with FSUCU and tie this line of credit to their Checking Account for overdraft protection. The Reg D limit does not apply when using a line of credit for overdraft protection. If you're interested in a line of credit, please visit https://app.loanspq.com/apply.aspx?lenderref=Floridascu070816.
Visit http://fsucu.org/atms-locations to view our current hours of operation for all branch locations.
For the most current locations and hours of operation, visit http://fsucu.org/atms-locations.
To use a coin machine, visit the Main Branch at 2806 Sharer Road, Tallahassee. This service is free for FSU Credit Union members, and there is a 4% fee for nonmembers.
We offer several special savings accounts, which include:
- Christmas Club
- Share Kids
- Summer Pay Club
- Save 4 It
- Senior Year Saver Account
- Special Kids Share
- Imagine the Possibilities
- TRUE Student Share Accounts
Here are the interest rates for these savings accounts, which are subject to change. Please call us at 850.224.4960 if you have any questions.
|Savings Amount||Annual Percentage Yield||Dividend Rate|
|$0.01 – $2,499.99||0.40%||0.40%|
|$2,500 – 4,999.99||0.40%||0.40%|
|$5,000.00 – $24,999.99||0.45%||0.45%|
|$25,000 – $49,999.99||0.65%||0.65%|
|$50,000 – $74,999.99||0.75%||0.75%|
|$75,000.00 or Greater||0.85%||0.85%|
NOTES: The Christmas Club, Share Kids, Summer Pay Club, Save 4 It, Senior Year Saver Account, Special Kids Share, and Imagine the Possibilities Share Accounts earn interest and have variable Annual Percentage Yield that is subject to change by the Credit Union at any time. Christmas Club Accounts, all funds will be transferred to the member's draft account on or after November 1st of each year. If you make a withdrawal at ANY TIME before November 1st, ALL accrued interest will be forfeited and the account will be closed. Senior Year Saver Account will earn 5.84% APR/6.00% APY on the first $500 and the remaiader at the applicable rate. Fund will become available August 1st of the student's anticipated senior year. If withdrawn before then, the member forfeits all dividends earned during the month of closure. Account will automatically be closed June 1 of the anticipated year of graduation and funds will be transferred to the main share account. Special Share Kids Accounts and Imagine the Possibilities Share Accounts earning 6%, 7% or 10% APY will be paid at 5.84%, 6.78% & 9.57% APR, respectively, on the first $500. The remainder will be paid at the applicable rate. TRUE Student Share Accounts earning 6% or 10% APY will be paid at 5.84% & 9.57% APR, respectively, on the first $1,000. The remainder will be paid at the applicable rate. Member must have an active TRUE Student Checking Account to earn the 10% APY account.
To set up direct deposit into your checking account, you will only need your 8-digit checking account number found at the bottom or your checks and FSU Credit Union’s transit routing number (263182545). If you don’t have checks with FSU Credit Union, please contact us at 1-877-GO-FSUCU to get that number. To set a direct deposit up to go into your savings account, you will need you’re 5/6-digit member number and routing number. Either way, you will need to give this information to your employer’s payroll department.
What can I do to gain access to Virtuoso Online Banking if I'm locked out during non-business hours and changing my password doesn't help?
If you've used the "Forgot Your Password" tool (http://bit.ly/2l3yy2V) when accessing Virtuoso Online Banking, and still can't log into your account, you'll need to contact us the next business day. You can either call us at 850-224-4960 or initiate a chat at http://fsucu.org/live-chat. We will confirm your identity and help you reset your account login, so you can login into Virtuoso Online Banking again.
There are variables with deposits, so it's best to call us at 850-224-4960 to find out details about specific deposits.
Yes, you can deposit a check into an ATM, which will typically be processed by 3 p.m. the next business day. The funds will be made available immediately or according to the hold that's placed on the check. Check holds vary according to the type of check, your account's status, amount of the check, and other factors. If it's not immediately available, it could take 1-12 business days.
Funds Availability Policy
Funds Availability: This policy disclosure describes your ability to withdraw funds at Florida State University Credit Union. It only applies to the availability of funds in “transaction accounts” subject to Regulation CC. Generally transaction accounts are accounts that do not limit the number or types of withdrawals or transfers that may be made from the account. The credit union reserves the right to delay the availability of funds deposited to accounts not governed by Regulation CC for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy disclosure.
General Policy: Our policy is to make funds from our member's deposits available to them on the same business day that we receive their deposits. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, the member may withdraw the funds in cash and we will use the funds to pay checks that the members have written. For determining the availability of the deposits, every day is a business day, except Saturday, Sunday and federal holidays. We have different deposit cut-off hours for different locations. The earliest cut-off time that might apply is 2:00 p.m. If a member makes a deposit before our cut-off hour on a business day that we are open, we will consider that to be the date of the member's deposit. However, if a member makes a deposit after our cut-off hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Our cut-off hours are available at the credit union.
Reservation of Right to Hold: In some cases, we will not make all of the funds that members deposit by check available to them on the same business day that we receive the deposit. Depending on the type of check that they deposit, funds may not be available until the second business day after the day of their deposit. However, the first $200.00 of their deposit will be available to them on the first business day after the day of deposit. If we are not going to make all the funds from the members deposit available the same day, we will notify the member at the time the deposit is made. We will also tell them when the funds will become available. If the deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail the notice to the member by the next business day after we receive the deposit. If the member needs the funds from a deposit right away, they should ask us when the funds will be available.
Holds on Other Funds: If we cash a check for a member that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in the member's account. Those funds will be available at the time funds from the check we cashed would have become available if the member had deposited the check. If we accept for deposit a check that is drawn on another financial institution, we make funds from the deposit available for withdrawal immediately but delay the member’s availability to withdraw a corresponding amount of funds that they have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this policy for the type check the member deposited.
Longer Delays May Apply: We may delay the members availability to withdraw funds deposited by check into their account an additional number of days for these reasons:
We believe a check the member deposits will not be paid. The member deposits checks totaling more than $5000.00 on any one day. The member deposits a check that has been returned unpaid. The member has overdrawn their account repeatedly in the last six months. There is an emergency, such as failure of communications or computer equipment. We will notify the member if we delay their ability to withdraw funds for any of these reasons, and we will tell them when the funds will be available. They will generally be available no later than the seventh business day after the day of the deposit.
Special Rules for New Accounts: If there is a new member, the following special rules will apply during the first 30 days their account is open. Funds from electronic deposits to their account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5000.00 of a day's total deposits of cashier's, certified, teller's, traveler's and federal, state, and local government checks will generally be available to the member no later than the next business day after the day of the deposit if the deposit meets certain conditions. For example, the checks must be made payable to the member depositing the checks. The excess over the $5000.00 will generally be available to the member no later than the ninth business day after the day of the deposit. If the member's deposit of these checks (other than US Treasury checks) is not made in person to one of our employees, the first $5000.00 will not be available until the second business day after the day of the deposit. Funds from all other check deposits will generally be available to the member no later than the ninth business day after the day of their deposit.
Deposits at Nonproprietary ATMs: Funds from any deposits (cash or checks) made at automated teller machines (ATM's) we do not own or operate will generally not be available until the fifth business day after the date of the members deposit. This rule does not apply at ATM's that we own or operate. All ATM's that we own or operate are identified as our machines.
Deposits at Proprietary ATMs: Funds from any deposits (cash or checks) made at automated teller machines (ATM’s) we own or operate may be subject to hold which will generally not exceed two business days.
Deposits at Shared Service Facilities: Funds from any deposit (cash or checks) made at a shared service facility may be subject to hold which will generally not exceed two business days.
If your account has no activity for one year and has less than a $1,000 balance, this fee will be charged. You can prevent this fee by performing any transaction on your account.
If there is not activity on your account for six months, it becomes dormant. To re-activate your account, you need to supply a valid ID and conduct a transaction on your account. If you’re out of town or want to mail it in, just mail in a valid, clear copy of your ID and a request for a transaction that includes a deposit or withdrawal of money to FSU Credit Union, P.O. Box 182499, Tallahassee, FL 32318.
To add a Joint Account Holder to your account, please provide us with an updated “Membership Application/Signature Card” by stopping by one of our branches or by downloading it here. Please fill out the Joint Owner Information section too. We also will need a photocopy of both of your valid driver’s licenses or State ID cards. Your new Membership Application/Signature Card will replace your older one on file.
If you choose to add a Joint Account Holder by mail, please mail us an official, notarized photocopy of the Membership Application/Signature Card by downloading it here. Please fill out the Joint Owner Information section too. You’ll also need to include a clear photocopy of both of your valid driver’s licenses or State ID cards. The notarization on the photocopy must be an “original notarization.” No faxed copies or photocopied notarizations will be accepted. Please mail all required documents and identification to FSU Credit Union, P.O. Box 182499, Tallahassee, FL 32318-0022.
To change your name, please provide us with with an updated “Membership Application/Signature Card” by stopping by one of our branches or by downloading here. We also will need an copy of your valid driver’s license or State ID card, as well as an official (original) of either your marriage certificate or your court-issued papers for any other name change, divorce, etc. Your new Membership Application/Signature Card will replace your older one on file.
If you choose to change your name by mail, please mail us a completed, notarized Membership Application/Signature Card by downloading it here. You’ll also need to include a certified or notarized copy of your marriage certificate and/or court papers and a clear photocopy of your valid driver’s license or State ID card. The notarization on the photocopy must be an “original notarization.” No faxed copies or photocopied notarizations will be accepted. Please mail all required documents and identification to FSU Credit Union, P.O. Box 182499, Tallahassee, FL 32318-0022.
Yes, you can get a copy of your deposited check by visiting one of our branch locations. If we have the scanned check image on file, it costs $3 per check. If we have to research and find the check, it will cost $15 per hour with a minimum of one hour to find it and get you a copy.
We offer E-Statements, and we email you a notification when it's available. To learn more about how to register with E-Statements, how it works or to log in, visit http://fsucu.org/e-statements.
You can view your E-Statements by logging in at https://fsucuedocs.org/login.aspx?ReturnUrl=%2fdefault.aspx.
To begin using E-Statements, you can select it in Virtuoso Online Banking by:
- Logging into your account
- Select “Your Preferences”
- Select “eStatement Selection”
- Choose “Electronic” in the drop-down menu
If you don’t use E-Statements, the paper statement is typically mailed out by the 5th business day of the following month and received shortly after that via 1st Class Mail.
Visit http://fsucu.org/jointoday to read about eligibility requirements for becoming an FSUCU member. There is a one-time, $10 membership fee and required $5 share, which makes you a member-owner … not just a customer.
Visit http://fsucu.org/checking for details on opening a checking account.
Visit http://fsucu.org/savings for details on opening a savings account.
You can get temporary checks at two of our branches.
- Main Branch – 2806 Sharer Road, Tallahassee
- Crawfordville Branch – 2190 Crawfordville Highway, Crawfordville
We offer members temporary checks for a cost of $2 per eight temporary checks, regardless of your account level. When you open your account, we offer the first packet of eight temporary checks free of charge.
VIRTUOSO ONLINE BANKING
On occasion, we perform maintenance in Virtuoso Online Banking, which may temporarily not allow you to login as usual. However, you can still securely login with your normal User ID and password by using one of the following links:
To update your contact information – such as your address, email address or telephone number – follow these steps:
- Log into Virtuoso Online Banking
- Hover over “Your Preferences” in the gold menu
- Select “Contact Information” in the submenu
- Update your contact information
- Click the “Update” button
This can happen in two ways.
We include an image and passphrase in order to ensure you that you know you're using the official FSU Credit Union Online Banking website instead of an imposter's website or phishing scam. Always ensure that you're visiting one of the following website URLs to ensure you're on our website. For security purposes, never click on a link within an email to access FSU Credit Union's Online Banking website. Use one of these URLs listed below or link directly to our Online Banking website through www.fsucu.org.
If you have access to more than one FSU Credit Union account, you could be trying to log into the incorrect account. You must enter the correct User ID, answer the related Challenge Question, and should see the associated image and passphrase where you’re prompted to login with your password.
You can send text commands (such as BAL for balance) to FSU Credit Union from your SMS-enabled, mobile telephone to inquire about basic account information. After sending the text command, you’ll receive a text-message response directly to your mobile telephone.
You will send all mobile text commands to "59289." You may want to save this text number in your mobile-telephone contact list for future reference.
|Balance||BAL||Summary of available balance|
|History||HIST||Summary of recent transactions|
|ATM LOCATIONS||ATM + Street or Zip||List of ATM locations near you|
|BRANCH LOCATIONS NEAR YOU||BRANCH + Street or Zip||List of branch locations near you|
|Help||HELP||Help content for Text Banking|
|Stop||S||De-activate all Florida State University CU text services|
Remember, to begin using text banking, you must enroll your mobile telephone from a computer by logging into Virtuoso Online Banking, clicking on "Access Accounts" and then "Mobiliti."
If you have an ATM or debit card, you can change your password, which will allow you to login.
- Click “Virtuoso Online Banking” at the top-right corner of our website at http://fsucu.org.
- Click “Forgot your password” below the login box.
- Next, fill in the required fields, which include User ID, Primary Account Holder Name as it appears on your statement, Social Security Number, Date of Birth, Zip Code, and ATM or Debit Card Number.
- Click “Submit” to complete your password reset.
If you are having difficulty accessing Virtuoso Online Banking and are using a newer version of Internet Explorer, you need to add the Virtuoso Website to the Compatibility View list.
- Open Internet Explorer by clicking its icon in the taskbar
- Click the Tools button in the top-right corner of your browser, which looks like a gear or wheel
- Click Compatibility View settings
- Add this website by entering the URL – https://fsucuebranch.org – in the open field
- Click Add
- Click Close
It usually means that you’re trying to log into the account using the wrong User ID. Be sure to confirm you’re using the correct User ID.
To change your challenge questions, follow these steps:
- Log into Virtuoso Online Banking
- Hover over "Your Preferences" in the gold menu
- Select "Login Security Credential" in the submenu, which will take you to the "Multi Factor Authentication" webpage
- Click option 3. Update Challenge Questions
- Select new challenge questions and type in your answers (case sensitive)
- Click the "Update Challenge Questions" button
Most of the time, you can view a check you wrote by logging into Virtuoso, visiting your Checking account and clicking the linked check number. However, some organizations run checks differently and may not return a check image to FSU Credit Union. In that case, you will not be able to access the check image in Virtuoso. You would have to contact that organization you wrote the check to and request the check image.
FSU Credit Union members can use e-Lerts for free, and they're a great tool that will send you alerts when activity occurs on your account using perameters that you set up. This is also a great service to quickly identify fraudulent activity on your account. This video will describe what e-Lerts are and how to set them up.
This video will walk you through the process of setting up your Mobile Banking, which includes mobile browser, text banking and mobile-account alerts.
This video will describe what PopMoney is and how you can use it to pay for just about anything.
Yes, you can receive email notifications through e-Lerts, which can be activated in Virtuoso Online Banking. After logging in:
- Select “Access Accounts”
- Select “e-Mail Notification”
- Select “e-Lerts Options”
- Select “Continue”
- Select “Add e-Lert”
- Complete your preferred e-Lerts
The only way to transfer to another financial institution is to use the "Transfer Money" tool inside the Bill Pay service within Virtuoso Online Banking. The payment could take up to three to four business days to arrive at the other financial institution depending upon their receiving capabilities.
There are numerous other companies we are able to pay through the Global Express system. However, unlike City of Tallahassee, they are on a cash-only basis and there is a fee.
Visit the "Borrow" section at http://fsucu.org for details about the different loans we offer.
FSU Credit offers a collection of useful resources and information about buying a car. When you visit http://fsucu.org/auto-loans and http://fsucu.org/buying-and-financing-a-vehicle-learn, you'll discover:
- Questions to answer before shopping for a car
- Tips on negotiating and financing a used car purchase
- Best Rate Guarantee
- Tool to discover how much is your current vehicle worth
- Test drive our Auto Loan Refinancing Tool
- iDrive Concierge Service
- Customized auto loan to fit your budget and credit history
- My Loan My Way
- Much more
You can make a loan payment electronically from a checking account at another financial institution by calling (toll-free) 1-844-893-2396. You will need to know:
- FSU Credit Union account number
- FSU Credit Union loan suffix
- Routing number
- Account number of the checking account at the other financial institution used to make the payment
- There is a 95-cent fee to use this loan-payment service
If you are currently making payments on a vehicle loan from another financial institution and your interest rate is higher than 2.49% APR, take advantage of our Best Rate Guarantee. If you refinance with FSU Credit Union, we guarantee we’ll beat your rate by at least 1/2% APR or give you $100 cash. Refinancing your vehicle with FSU Credit Union is easy and will save you money! Check out the eligibility requirements on our Auto Loans page.
This video will explain how to use our WebMessaging system to communicate securely online with your loan officer.
To discover our options for making a loan payment, visit http://fsucu.org/loan-payment-options.
Your loan is considered past due if a payment is not received on or before your due date. In most cases, FSU Credit Union does not charge a late charge until after the 10th day for indirect loans and after the 15th day for other consumer loans. However, always refer to your FSU Credit Union Credit Agreement, which defines all late charges for your specific loan. If a payment is received in the applicable grace period, no late fee will be assessed.
There is no fee if you set up a reoccurring payment via ACH. To set this up, please complete this ACH Debit Origination Form. However, there is a 95-cent fee per transaction for one-time ACH payments made through our toll-free automated system at 1-844-893-2396.
FSU Credit Union’s annual holiday Skip-a-Pay Program is a great opportunity to skip either your November or December loan payment, which puts extra cash into your pocket just in time for the holidays. Plus, the $10 donation to participate goes directly to Kidz1stFund.
Guidelines for the Skip A Payment program:
- You must meet program requirements and be approved to participate.
- The $10.00 donation to Kidz1stFund for each skipped loan payment must be paid at time of application.
- You are limited to one skipped payment per loan every 12 months.
- Skip-A-Payment does not apply to real estate loans, lines of credit, credit cards or business loans. Any loan set-up with balloon payments is also not eligible.
- Interest continues to accrue on your outstanding loan balance and may extend maturity date of loan.
- Must be a member in good standing with no negative, delinquent or account defaults.
- Available to members who have established a minimum of a six-month payment history.
- Payments must be current and other conditions apply.
*Other restrictions apply. Contact a representative at 877-GO-FSUCU for complete details.
Important Notice: Interest will continue to accumulate on your loan during the month you skip your payment and your loan maturity will be extended when payment is deferred. All terms and conditions remain the same.
With the equity you've built up in your home over the years, you could be sitting on a lot of money. We can help put your equity to work for you with a fast, affordable home-equity loan. A Home Equity Line of Credit (HELOC) from FSUCU gives you the peace of mind and spending power you need at a moment's notice.
A HELOC is perfect when you want to draw on cash over a period of time and only pay interest when you have an outstanding balance. You can use your home's equity to make property improvements, take a vacation or consolidate your bills.
You could be buying that new boat or taking a much-needed vacation this year after all. Our Home Equity Line of Credit is designed to "fit your lifestyle!" For more information, visit http://fsucu.org/personal-loans today.
Credit Rebuilder packets are available at all of our branch locations. They must be completed and turned into the Campus or University branches only. Closings will be scheduled when the packet is received.
The general requirements for requesting new, unsecured money is at least six months have passed since the previous unsecured loan, and the current loan balance must be paid down by at least $500. For more information, contact a Financial Service Representative 1-877-GO-FSUCU.
To learn more about our current repo inventory, call Devonie Proctor at 850-224-4960 ext. 1025 or Portia Grubbs at 850-224-4960 ext. 1002.
Now, you can apply online for a loan quickly by clicking here.
We understand your time is important and want to get you a response as soon as possible. Upon receipt of your loan application – which takes about 20 seconds – we'll begin processing it and get you a quick response.
I submitted my loan application online, and the message states they need more information. What’s next?
You will be contacted by an FSU Credit Union Financial Service Representative to take the next step.
Why am I getting letters about the credit union needs proof of insurance on my vehicle when this has already been provided?
Many members receive this letter who have financed a vehicle with FSU Credit Union. However, FSU Credit Union is not listed as a lost payee on the member's insurance policy. If you receive this letter, you can contact your auto insurer and make sure that FSU Credit Union is listed as a lost payee on your insurance policy for the vehicle that is financed with FSU Credit Union.
For questions regarding letters about proof of insurance on a vehicle or Collateral Protection Insurance (CPI) insurance, please call our 24-hour, insurance department toll-free telephone number for assistance at 1-877-875-2923. You can also visit www.myloaninsurance.com to update your insurance information.
Visit http://fsucu.org/auto-loans for the most current car rates, promotions and resources.
After a loan is paid off and the collateral securing that lien is not securing another loan with FSU Credit Union, we will release the lien electronically. If you have a specific question about your lien with FSU Credit Union, please contact us. Otherwise , contact your local county tax collector for the process of converting your electronic title to paper form.
MY LOAN MY WAY
My Loan My Way is a consumer-friendly, auto-loan extension feature that gives FSU Credit Union members an opportunity to reduce their monthly auto-loan payment by extending the term of the auto loan. It keeps qualified members from going through an arduous, time-consuming and costly refinance or modification process. Term extensions may range from 12 months to 24 months, and loans may not be extended beyond 72 months total. For details, send an email to email@example.com or call 850-224-4960 today.
The following criteria is used to determine eligible loans for My Loan My Way:
- Loan must be current and have no late payments in past 6 months
- Loan must be at least 12 months old
- Rate floor is 1.99% and cannot exceed 18% after reset
- Loans with all payment frequencies are included
- Cannot be combined with any other offer
Qualified members will receive notification via their online banking account that they are eligible for My Loan My Way. They may also be notified via targeted marketing messages or by a branch employee. From a targeted email, they may click on the link that takes them to the My Loan My Way website, or members may simply enter myloanmyway.com.
Once registered on the website, members can select a loan that they would like to review. They can then move the dial to review their options, move forward with extending their term and lowering their monthly payment, should they desire to do so.
If the member extends their loan term with My Loan My Way, will their interest rate remain the same?
No, FSU Credit Union will charge a “bump” for the convenience of extending the term and lowering the monthly payment according to the chart below.
|#Months Added||Rate Increase Adjustment (%)|
Yes. Since the loan term will be extended, and their interest rate increased over the current rate, the member will be paying more interest for an extended term. FSU Credit Union is offering this feature to provide a simple way for members to reduce their auto-loan monthly payment and provide additional monthly cash flow.
Yes, absolutely! Members can pay off their loan early without a prepayment penalty.
A fast, simple way to lower their car payment. Once they select their desired term extension and monthly savings, an electronic My Loan My Way Security Agreement will appear, which requires an e-signature. Once FSU Credit Union receives and processes the e-signed document, the member’s auto loan will be extended and the monthly payment reduced. Members gain increased cash flow without the hassle of refinancing their current loan or applying for another loan.
If the auto loan is in two names, do both the borrower and co-borrower need to provide an e-signature?
Yes, both borrowers need to provide their e-signatures to extend the loan term. Once the borrower goes through the process, the co-borrower will receive an email alerting them that they have a document to sign. Both signatures must be received on the My Loan My Way Security Agreement in order for FSU Credit Union to change the loan terms.
Only if their payment is due within the next day or two from e-signing. FSU Credit Union will process the My Loan My Way modification within 1-2 days of all borrower’s signatures and will notify the member when the modification is complete.
DEBIT CARDS AND CREDIT CARDS
Our credit cards are designed to "fit your lifestyle" and are among the most competitive in the market today. To learn more about the credit cards we offer, visit http://fsucu.org/credit-cards.
You can set up your PIN 24 hours a day. You must call to activate the debit card and/or set up the PIN from the telephone number(s) you have listed on your account. The telephone number you can call to set up or change your PIN number is 1-866-985-2273.
When you receive your card in the mail, a pin number is not attached. You must call to activate the debit card from the telephone number(s) you have listed on your account. When you call to activate it, you can set up your pin at that time. The telephone number you can call to activate your card and/or change your pin number is 1-866-985-2273.
To set or change your credit card's pin number, call 888-886-0083. This is the same telephone number that appears on your credit card's activation sticker. When you call to activate the credit card, you can hold on the line and set the pin number as well. You can also change your pin number whenever you wish, although it can only be done once every 24 hours.
If your debit card or credit card is expiring soon, you can expect to receive a new, reissued card with an updated expiration date within the first 10 business days of the month. The card will come in a plain envelope, so be careful to not throw it away. Your current card will work until the end of the month it is expiring in, so you can use your current card until you receive the new card.
FSU Credit Union will dispense up to $1,000 per ATM machine in one day and up to $3,000 at multiple ATMS. There may be withdrawal limits set by specific ATM owners.
The credit-card balance is the total of all the transactions a member has charged with their credit card. This is also what the member owes the credit union. The available balance is the amount they have available to use to make purchases or cash advances.
Our members can use their card in any country that is not sanctioned as long as the merchant accepts MasterCard (Credit Card) or Visa (Debit Card). To avoid your card from becoming frozen due to our Fraud Alert System, you must notify us of your date of departure, date of return and each country and/or city you’ll be visiting with an email to firstname.lastname@example.org.
You can call us at 1-877-GO-FSUCU, make your request and begin the process.
All credit-card payments are due on the 21st of every month. There is a five-day grace period, so you have until the 26th of every month to make your payment before being charged a late fee.
I received my debit card in the mail, activated it and set up my pin number, but the debit card isn’t working?
Please call 1-877-GO-FSUCU during business hours for assistance.
To report a credit card, debit card or ATM card lost or stolen from 8:30 a.m. to 5:30 p.m. EST Monday through Friday, call 850-224-4960 or toll-free 877-463-7828 immediately.
If it’s after business hours, on a weekend or on a holiday, call 800-449-7728 immediately. For basic questions outside of business hours, call Cardholder Services at 866-820-4881.
EMV, which stands for Europay, MasterCard and Visa, is a global standard for credit- and debit-payment cards using embedded microchips. The chip is designed to communicate with specially outfitted, card-reader terminals used at the point of sale, which authorize each sale based on various PIN and data verification processes. These chip cards contain your card number, name and other account information. There is no other personal information stored on the chip.
Due to the security of the chip, every transaction you make is unique, which makes it extremely difficult for the card to be copied or counterfeited. This effort to improve payment technology has been years in the making and has been shown to deter most forms of theft and fraud.
Rather than swiping your card, you will insert your chip card into the terminal to complete the transaction. Your card will still have the black magnetic stripe on the back, so you can continue using your card while merchants are transitioning to the new, chip-card terminals.
In early 2016, almost every major retailer and financial institution will have switched to these chip cards. FSUCU is issuing new VISA and MasterCard credit cards to all current cardholders and when new accounts are opened. Replacing magnetic-stripe-only cards with the chip cards – that enables both magnetic-stripe and chip-enhanced payments – is one way we can help reduce fraud through "skimming" and increase future value-added applications. As always, FSUCU is doing everything possible to help members keep more of their hard-earned money and keep it safe.
The card – which looks similar to your old credit card but with a distinctive metallic square embedded in its face – is equipped with a small micro-processing chip that stores individual data, card number and more. Unlike the old magnetic card-strips, the information contained within the chip can only be accessed by the special-processing terminal. It uses dynamic-data authentication, encryption and often PIN verification to protect against counterfeit, lost or stolen cards. It is nearly impossible to duplicate, and it protects against "skimming" machines, which fraudsters use to scan information from magnetic stripes. This advanced Cardholder verification helps ensure that the person attempting to make the transaction is the person to whom the card belongs.
All credit cards issued by FSU Credit Union now include EMV microchips, so there is no need to specify EMV when you request your credit card. If you already have an FSU Credit Union credit card, we'll automatically replace it with an EMV credit card when it expires if that stock is available.
If you don't have an FSU Credit Union credit card yet, visit http://fsucu.org/credit-cards to learn more about the credit cards we offer, use the credit-card comparison tool, get contact information, manage your card, or apply today. (subject to approval).
No, your new chip card will have the same card number as your current card.
Will I have a new expiration date and three-digit security code on the back of my new EMV-Chip Card?
Yes, the expiration date and three-digit security code on the back of the card will be different. Since the date and security-code number are changing, you will need to notify any company that has your card number on file for recurring charges.
Once you receive the card and activate it, you can either select your same four-digit PIN or select a new one. In order to keep your card safe, do not share your PIN with anyone or write it anywhere near the card.
Do not destroy your old card until you have activated and used your new chip card. After you have successfully made a transaction with a merchant using your new chip card, please either destroy the old card by shredding or cutting the old card into pieces.
Although chip cards are relatively new in the U.S., they have been used in other countries for many years. In some countries, particularly Europe, merchants may only accept chip cards.
You can use your chip card at the exact same merchants you do now. Simply insert the card into card terminals that are chip enabled or swipe your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments, telephone payments and at ATMs.
FRAUD AND THEFT
Please immediately call 877-GO-FSUCU during business hours or 888-918-7774 during after hours, weekends or holidays.
Please immediately call 877-GO-FSUCU during business hours or 888-918-7774 during after hours, weekends or holidays.
How long does it take for the money to get back into my account once the dispute/fraud form is filled out?
Please call 1-877-GO-FSUCU during business hours for assistance.
With Bill Pay, you can pay any company or person you owe.
- You can pay anyone in the United States that you would normally pay by check, automatic debit, or cash. We send the money electronically whenever we can. If the person or company can’t accept electronic payments, we print a check and mail it for you.
- You can review your payments and bills for the past 84 months in Activity. You can download your payment info to a comma-separated values (CSV) file. You can import the file into a number of different personal financial software applications.
- You can send money electronically to people using Popmoney. They receive notification by email or text message.
- You can transfer money from one account to another.
- eBills: You can save a trip to the mailbox or another website to get your bills. Some of your bills can be delivered right in Bill Pay. You can view your eBills in Payment Center and pay them with a few simple clicks. You decide how much you want to pay and when you want to send the payment.
- AutoPay: You can set up automatic payments to be sent according to a schedule you set. You can change or cancel AutoPay at any time.
- AutoPay for eBills: You can set up some eBills to be paid automatically according to options you set. You can change or cancel AutoPay for eBills at any time.
This video will walk you through the process of how to set up and use our Online Bill Pay tool.
You provide some information about the company or person you want to pay, and then tell us how much and when you want the payment made. We send your payment electronically when possible. If the person or company can’t accept electronic payments, we print a check and mail it for you.
The Payment Center lists the companies and people you can pay. You just enter a payment amount and the date when you want processing to begin. The date when the company or person receives the payment appears in the “Deliver By” field. You can also view and select the date from the calendar.
You can pay anyone in the United States that you would normally pay by check, automatic debit or cash. You can pay companies, friends, family members, and service providers, such as the babysitter or the plumber.
Payment Center: When you use Payment Center to send money, we send the payment electronically whenever possible. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provided.
Popmoney: You can send money to a person using only an email address or mobile-phone number. The recipient can use the information provided in the email or text message we send to claim the money and deposit it into an account.
Transfer Money: If you need to get money to someone at another financial institution, you can use Transfer Money to move the money from your account into their account.
While you can use Bill Pay to pay companies and people with addresses in the United States or its territories, you can’t use Bill Pay to send payments to addresses outside the United States. We don't recommend using Bill Pay to make state and federal tax payments or court-ordered payments. Such payments are discouraged and must be scheduled at your own risk.
You receive electronic bills (eBills) in Payment Center of Bill Pay. When an eBill is due, it appears as soon as you select the company that sent it. You can simply click a link to enter the amount due and due date from the bill.
You can use Payment Center to pay any company or person with a U.S. address. The Payment Center offers the flexibility and convenience of sending money from one place.
- You can pay anybody in the United States or territories that you can pay using cash, check or debit.
- We send the money electronically whenever possible. If the company or person can't accept electronic payments, we print and mail a check on your behalf.
- In Payment Center, tell us who to pay, the payment amount and the delivery date. The money stays in your account until it’s time for us to deliver the payment.
- When you add a company or person to pay, we save the contact info to make future payments even quicker and easier.
- We maintain relationships with thousands of companies, and manage their contact information for you.
- Payments made through Payment Center are guaranteed.
You can use PopMoney to send money electronically to people. They receive notification by email or text message.
When accessing Bill Pay for the first time, what should I do if I get an error code or failed enrollment?
You can call Bill Pay Support at 855-455-0130, which is open from 9 a.m. to 1 a.m. seven days a week. You can also call FSUCU at 850-224-4960 for assistance or ask us a question at http://fsucu.org/tell-me-more.
With Bill Pay, we send payments electronically whenever possible. We send electronic payments to thousands of companies across the U.S. every day. People can receive electronic payments directly to their bank account through PopMoney.
If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. The check contains the following info:
- Your name and address
- The company or person's name and your account number with them, if available
- The payment amount
- The delivery date
If you added a memo to your payment, the info is printed on the memo line of the check.
You can see the status of your payments in Activity. Payments start in a Pending status until processing begins.
If the payment is sent electronically, the money is withdrawn from your account one business day after processing begins. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. For some checks, the money is withdrawn one business day after processing begins. For others, the money is withdrawn when the company or person deposits or cashes the check.
You can call Bill Pay Support at 855-455-0130, which is open from 9 a.m. to 1 a.m. seven days a week. You can also call FSU Credit Union at 850-224-4960 for assistance or ask us a question at http://fsucu.org/tell-me-more.
Yes. Bill Pay follows the World Wide Web Consortium's Web Content Accessibility Guidelines (WCAG) 2.0 Level AA recommendations. The following features aim to make Bill Pay more accessible to assistive technology users:
Navigation: Skip to content links on each page let you skip the page banner and navigation links and go directly to the main content. Headings organize each page’s content, and a screen reader’s H key moves the focus from heading to heading. The ARIA landmark regions named banner, navigation, main, and content info let you move to defined page regions. Use the appropriate key for your screen reader. Links have detailed descriptions that can be read with a screen reader’s links list.
Regions and Tabs: Some pages have regions that expand or collapse details or forms and include the words Show or Hide in their link headings. Other areas have info presented as tabs, where the left or right arrow key changes the tab, and then you can read the tab content.
Tables and Forms: A brief description of a table’s content is read by a screen reader as you navigate a page. Table headers locate your place in the table, and links in the table headers let you sort the table content. Using the table cell keys, the column or row heading info is read as well as the table’s data. Sort links open menus to control the display order of the table’s data. The Tab key changes sort selections, and the Enter key activates your selection. Fonts can be resized with magnifier software or the browser zoom feature without significantly changing the page layout.
Accessibility Constraints: We make every effort to accommodate all users and do not wish to exclude anyone from accessing Bill Pay. One area of the product that is currently not fully accessible is the date-picking calendar. The calendars for choosing payment and transfer dates are not usable with a keyboard or screen reader. We are continuing to make improvements to all aspects of the product. Contact customer service at 855-455-0130 if you have an issue using Bill Pay.
Yes. Your personal information is used to help us maintain your account and verify your identity. We verify this information with a consumer credit reporting agency for your security and protection. The verification process does not affect your credit report, credit rating or credit worthiness.
You can use checking accounts that support electronic transactions. In certain cases, you can also use money market accounts to pay bills. If the savings account option is available, you can use savings accounts for transfers. You can also use savings accounts for PopMoney.
Yes. Bill Pay uses several methods to ensure that your information is secure.
- SSL: Bill Pay uses SSL (secure sockets layer), which ensures that your connection and information are secure from outside inspection.
- Encryption: Bill Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet.
- Automatic Sign Out: Bill Pay automatically signs you out of a session if you are inactive for a predefined time. We recommend that members sign out immediately after you finish your tasks in Bill Pay.
Go to My Profile to view info such as:
- Your contact information (such as name, address, phone numbers, email address)
- Additional users on your account
- Service fee account
It is important to keep this information current because that’s how we communicate with you.
Yes, you can change a payment that has not started processing.
If the company or person you're paying can receive electronic payments, the money is typically delivered in one to three business days. If the company or person you're paying cannot receive payments electronically, we mail them a paper check. This process typically takes three to five business days.
If the company or person you want to pay does not receive electronic payments, we print a check and mail it for you. This process typically takes three to five business days.
We place limits on an unverified account to protect you in case someone uses your account without authorization. Verifying your account enables you to use all available features in Bill Pay.
Customer Service asks you to provide security info to verify who you are. Without this level of verification, somebody else might be able to gain access to your account by pretending to be you.
For Savings, use your member number with no added dashes, spaces or zeros. For Checking, use your 8-digit MICR number with no added dashes, spaces or zeroes.
Example account number: 50268
FSU Credit Union posts tax refunds in the order we receive them. It's best to check on it after 12 p.m.
- If you check on it after 12 p.m., and your tax refund still hasn't posted, please contact the IRS first to confirm the deposit was made.
- If the IRS confirms that your tax refund has been deposited and it still hasn't shown up in your account, we will research it. Before contacting us, confirm the date the deposit was sent to us, effective date of deposit, exact amount of tax refund (not an estimate), name listed on the tax refund, and the account number listed on the tax refund.
No, we do not post tax refunds early.
If you earned more than $10 in interest from your savings account in 2015, you will receive your Tax Form 1099 in the mail. You can also use the last page of your December 2015 savings-account statement, which includes the entire earnings from 2015. The IRS also recognizes this as an official document for use when filing taxes. It's important to check the address that's listed on your account to ensure your 1099 is mailed to your preferred address.
Yes, you may only cash a tax-refund check in an amount of $2,500 or less per day and deposit the remaining balance of your tax refund into your account.
The IRS discourages individuals from accepting tax refunds into their account that is not their own.
It’s recommended that both joint owners are on the FSUCU account. However, if one isn’t on the account and is present with the FSUCU account holder, the nonmember must sign in the presence of our teller and present a valid ID. The FSUCU account holder must sign too. The check will be processed as normal. This is the only time FSUCU will allow these types of checks to be deposited when one of the signers is not on the account.
The Rapid Refund Loan Program is designed to give the tax filer cash access to their refund on a loan basis before they actually get their refund.
The filer usually gets their tax refund in the form of a check, and most of the time they are issued as a cashier check.
Yes, they can be cashed or deposited. If there are multiple people listed on the check and not everyone is on the FSUCU account, they must be present with the account holder, sign in the presence of our teller and present a valid ID. Remember, you may only cash a tax-refund check in an amount of $2,500 or less per day and deposit the remaining balance into your account.
No, FSUCU doesn’t place a hold on U.S. Treasury checks. However, we may call and verify if the check is valid by running a check verification with the U.S. Treasury.
U.S. Treasury checks are void after one year.
IDENTITY THEFT PROTECTION (CYBERSCOUT)
FSUCU members can now take their identity-theft protection to a new level by purchasing CyberScout, which provides cutting-edge services that pinpoint and prevent identity theft and fraud. We’re excited to offer our members this substantial protection and value at only $3.95 per month. For details, visit http://fsucu.org/identity-theft-protection.
Members who want to enroll in CyberScout's Identity Theft Protection Program can follow these steps.
- To begin the CyberScout enrollment process, visit http://fsucu.org/identity-theft-protection, click the "Enroll Now" and begin typing in your information securely.
- Follow the prompts and fill in everything necessary until you've completed it.
- If you want to enroll someone else on your account, ask them to repeat this process by visiting http://fsucu.org/identity-theft-protection, clicking the "Enroll Now" and begin typing in their information securely.
- You will receive an email from CyberScout at the beginning of the following month, which includes a link to their website where you can complete your CyberScout enrollment.
Important Note: CyberScout’s $3.95 fee applies to one Social Security Number at a time. For details on IDT911, visit http://fsucu.org/identity-theft-protection.
Most fraud takes place under the radar. Personal data is taken from social media networks. Malware on a computer captures personal information. Lines of credit are opened with stolen data. A data breach exposes email addresses, passwords and other uniquely identifiable information. For maximum security, you need cutting-edge, identity-management services that monitor a full range of credit and non-credit information that are used to perpetrate fraud.
We’re excited to offer our members this substantial protection and value at only $3.95 per month. Upon completion of the enrollment, you can start enjoying the peace of mind that comes with knowing that skilled experts are watching out for your protection and security every day. For details, visit http://fsucu.org/identity-theft-protection.
CyberScout’s monthly fee is $3.95, which applies to one social security number. If you want to include other people on your account, it will only cost $3.95 per person. When you sign up with the Docusign Form that we email to you, be sure to include any additional account members who want to benefit from this protection and which account to assign the fee to.
What exactly do the Life Stages and FraudScout components of CyberScout’s Identity Theft Protection include?
The Life Stages and FraudScout compoents of CyberScout’s Identity Theft Protection offer cutting-edge, identity-management services that monitor a full range of credit and non-credit information that are used to perpetrate fraud. For details on LifeStages and FraudScout, visit http://fsucu.org/identity-theft-protection.
Shared-Branch Services include:
- Account Inquiries
- Statement Print
- Loan Payments and Loan Advances
- Other ancillary services – optional
To take advantage of Shared-Branch Services, find a Shared Branch near you by visiting http://www.co-opsharedbranch.org. This website also gives you options for locating a Shared Branch via a mobile device, texting, telephone, and live help on the telephone. Not all credit unions participate in Shared-Branch Services.
You can take advantage of a national network of linked or Shared Branches. FSU Credit Union members may conduct transactions at any of the Shared Branch facilities as though they were at their home credit union. Nearly 30,000 ATMS and 5,000+ Shared-Branch Locations means you have more direct, surcharge-free access to your money than most traditional bank customers do. You can find a Shared Branch near you by visiting http://www.co-opsharedbranch.org. This website also gives you options for locating a Shared Branch via a mobile device, texting, telephone, and live help on the telephone.
Members benefit from access to many Shared-Branch Offices throughout the United States. This means our members who travel or move out-of-state can now remain members of the credit union and still have a friendly Shared-Branch Office just down the road.
FSU Credit Union members may conduct business at any participating Shared-Branch Facility, although some restrictions may apply. We recommend contacting FSU Credit Union before conducting your first Shared-Branch Transaction to be sure you’re set up to use this service. After that, you can find a Shared Branch near you by visiting http://www.co-opsharedbranch.org. This website also gives you options for locating a Shared Branch via a mobile device, texting, telephone, and live help on the telephone.
Your identification and account number are necessary for each Shared-Branch Transaction to eliminate the possibility of fraud. Please be prepared to present your photo ID, account number and primary credit-union name on each visit, even if you've been coming to a common location for an extended period of time.
While some fees and limitations may apply, please call FSU Credit Union at 850-224-4960 for more information before conducting your first Shared-Branch Transaction. Any fees for conducting a Shared-Branch transaction will be assessed by FSU Credit Union. However, a Shared-Branch location may assess fees for services like traveler’s checks, money orders, cashier’s checks, stop payments, and notary service.
An ATM located or associated with a Shared Branch is subject to the fees and rules that govern that machine and its operation. However, free ATM transactions are still available at all CO-OP Network locations. You can find a Shared Branch near you by visiting http://www.co-opsharedbranch.org. This website also gives you options for locating a Shared Branch via a mobile device, texting, telephone, and live help on the telephone.
A member’s right to privacy is enacted by federal regulations and will be upheld to the fullest extent of the law at Shared Branches.
MOBILE CHECK DEPOSIT
How do I activate my account, so I can begin using the Mobile Check Deposit tool inside of the FSU CU App to deposit a check?
Please follow these steps to activate your account, so you can begin using the Mobile Check Deposit tool inside of the Florida State University CU App.
First, install our Mobile App (Florida State University CU).
- Next, open the App and click “Mobile Check Deposit” in the menu on the left.
- Click “Create a new account,” fill out all of the fields and click “Sign Up.”
- IMPORTANT NOTE: YOU MUST INCLUDE “Checking,” “Savings" or "Suffix Number" in the Nickname field, so we know where to deposit your check.
- Once you receive your activation confirmation through the email address you provided, you can begin using the App.
Once your account has been activated for Mobile Check Deposit, please follow these steps to begin using the Mobile Check Deposit tool inside of the Florida State University CU App.
- Open the Florida State University CU App
- Click on “Mobile Check Deposit” in the menu in the left sidebar
- Login with your username and password
- Click “Make a Deposit”
- At the bottom of the “Instructions,” you have to click “Accept”
- Enter the amount of the check
- Click “Front” to take a photo of the front of you check and click “OK” to allow the App to use your camera
- Click “Back” to take a photo of the back of your check
- Click “Deposit Check”
If you made your Mobile Check Deposit before 3 p.m. on a business day, it will be available the next business day. If you made your Mobile Check Deposit after 3 p.m. on a business day, it will be available in two business days.
Yes, please keep your checks that you deposit with the Mobile Check Deposit tool for at least 90 days as stated in the agreement that you accept before making the deposit. The agreement reads, “You agree to retain the Item for at least 90 calendar days from the date of the Image transmission and, during such 90 day period, securely store the Item and deliver any original Item to us upon our demand.” You can destroy it after 90 days.
Please keep your checks that you deposit with the Mobile Check Deposit tool for at least 90 days as stated in the agreement that you accept before making the deposit. The agreement reads, “You agree to retain the Item for at least 90 calendar days from the date of the Image transmission and, during such 90 day period, securely store the Item and deliver any original Item to us upon our demand.” You can destroy it after 90 days.
Once you’re inside the Mobile Check Deposit tool, you can use the Home icon in the upper-left corner of the App to access features like Make a Deposit, Review, My Accounts, Settings, and Help Guide.
Yes, you can add more than one account into the App for deposits. IMPORTANT NOTE: YOU MUST INCLUDE “Checking,” “Savings" or "Suffix Number" in the Nickname field, so we know where to deposit your check.
How can I make a loan payment using the Mobile Check Deposit tool in the Florida State University CU App?
You can make a loan payment with the Mobile Check Deposit tool by following these steps. If you haven't yet, you must activate your account first before you can use the Mobile Check Deposit tool. To activate your Mobile Check Deposit account, visit the first FAQ in this section called "How do I activate my account..."
- Open the Florida State University CU App
- Click on “Mobile Check Deposit” in the menu in the left sidebar
- Login with your username and password
- Click “Make a Deposit”
- At the bottom of the “Instructions,” you have to click “Accept”
- You’ll have to make the remote deposit into your Checking or Savings first, then transfer to your loan suffix. You can make this transfer in Virtuoso, the Mobile App or by contacting us.
- Make your check out to yourself and add the “Loan Payment + loan suffix” on the memo line of your check
- Enter the amount of the check
- Click “Front” to take a photo of the front of your check and click “OK” to allow the App to use your camera.
- Click “Back” to take a photo of the back of your check
- Click “Deposit Check”
OVERDRAFT PROTECTION AND COURTESY PAY
Overdraft Protection uses money from savings or a line of credit in order to cover transactions if there are insufficient funds in your checking account. If those overdraft protections are not adequate, then Courtesy Pay allows you to take your checking-account balance negative in order to cover the transactions up to a predetermined limit for a $30 fee. For details, visit http://fsucu.org/2017/05/19/keep-your-account-covered-with-courtesy-pay.
Visit http://fsucu.org/2017/05/19/keep-your-account-covered-with-courtesy-pay for details.
Visit http://fsucu.org/faq/what-is-the-courtesy-pay-policy to read the Courtesy Pay Policy.
This is a product we offer as a member benefit through CUNA Mutual. For details, you can call CUNA Mutual at 888-888-0376 or visit https://www.trustage.com/life.
TruStage is insurance the credit union way. Their products and programs are made available through TruStage Insurance Agency and underwritten by CMFG Life Insurance Company and other leading insurance companies. Their products are only offered to credit-union members. Today, more than 15 million members rely on TruStage for their products, programs, services, expertise, and experience. With a commitment to dependability and a members-first philosophy, TruStage helps you protect what matters most. For details, you can call CUNA Mutual at 888-888-0376 or visit https://www.trustage.com/life.
You can visit their website at TruStage.com or call the toll-free number 1-88-TRUSTAGE (1-888-787-8243).
Making a decision about insurance should be both convenient and private. TruStage wants to give you the opportunity to make an informed decision without any sales pressure. We trust TruStage and the quality of the products and services they represent.
When FSU Credit Union decided to make insurance products available to our members, we wanted to join with an agency we knew could offer a variety of valuable coverages at affordable rates. That’s why we authorized TruStage to offer their products to our members.
TruStage has a strong commitment to protect member information, and have allocated significant human and technical resources to manage and protect member data. Their employees also go through mandatory privacy training.
When I call the TruStage toll-free number, am I going to get a high-pressured insurance agent who will try to talk me into buying something I don’t want?
The telephone representatives will discuss your life situation and recommend plans that will help you accomplish your goals. They’ll suggest some appropriate TruStage Insurance products, but the choice to buy is completely yours. No pressure – just information to help you make an informed decision.
Your name can be removed from future mailings by calling the telephone number listed on the mailing piece you received. (NOTE: Call the TruStage Insurance Program Support Team at 1-800-428-3932, extension 4632007) Please note: It is not possible to suppress a name from a mailing that is already in progress. Due to processing and printing time, it takes approximately two months for suppressions to affect mailings.
FSU Credit Union considers insurance an important part of your financial well-being. We’ve chosen to join with TruStage Insurance to help protect what matters most in your life. TruStage Insurance is founded on a tradition of protecting credit unions and their members for more than 75 years. We feel confident they can be a great resource for you.
For your peace of mind, FSU Credit Union offers the following products:
- Member's Choice TM Payment Protection Insurance – Credit life/disability insurance offered on all loans at surprisingly low premium rates.
- Financial GAP (Guaranteed Asset Protection) – GAP protects you and your entire investment from substantial loss if your vehicle were stolen or involved in a major accident.
- Member's Choice TM AutoCare Mechanical Repair Coverage – As your vehicle gets older, the risk and cost of repairs will increase. Protect yourself with extended warranty coverage at very reasonable rates. The plan includes: the costs of parts and labor; rental car reimbursement; 24-hour, toll-free roadside assistance; and emergency travel expenses. Call 224-4960 to see which extended warranty level is best for you.
- Call us at 850-224-4960 during business hours
- Start an online chat with us during business hours
- Submit a support ticket
- Submit a new question below that may be added to this FAQ
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