General

What is the routing number?

263182545

What are the addresses for your branch locations?

Campus Branch
834-1 W. St. Augustine Road, Tallahassee 32304

Crawfordville Branch
2190 Crawfordville Hwy, Crawfordville 32327

Evening Rose Branch
1612 Capital Circle NE, Tallahassee 32308

Frenchtown Financial Opportunity Center
412 W. Tennessee Street, Tallahassee

Main Branch
2806 Sharer Road, Tallahassee 32312

Persimmon Hill
6274 Old Water Oak Road Suite 103, Tallahassee 32312

Tree Capital (Perry Branch)
1402 S. Jefferson Street, Perry 32348

University Branch
412 West Tennessee Street, Tallahassee 32301

What are credit unions?

Find out how credit unions work, what they have to offer, why they’re a great choice, and what they can do for you in this short video. http://bit.ly/1gXVK0p

How do I send a wire transfer?

To initiate an outgoing wire transfer, please print and fill out the FSUCU 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.

FSUCU Outgoing Wire Transfer Form >

FSUCU Incoming Wire Instructions >

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.

What is the fee for sending an outgoing wire transfer?

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.

What is the procedure for requesting a donation or sponsorship from FSU Credit Union?

To request a donation or sponsorship from FSU Credit Union, please complete the online FSU Credit Union Request Form or download the form, complete and mail it to fundraising@fsucu.org or mail to:

FSU Credit Union
ATTN: Marketing Department
1612 Capital Circle NE
Tallahassee, FL 32308

How do I receive an incoming wire transfer?

To coordinate an incoming wire transfer, follow the steps in this FSUCU Incoming Wire Instructions document. If you have any questions, please call 850.224.4960.

FSUCU Incoming Wire Instructions >

Where can I access financial-education resources?

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 the learning library tab on our website to get started.

Does FSUCU offer car Buying Services?

FSU Credit Union now 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.

What are your fax numbers?

Campus Branch, 834-1 W. St. Augustine Road, Tallahassee
850.702.5382

Crawfordville Branch, 2190 Crawfordville Hwy, Crawfordville
850.926.5842

Evening Rose Branch, 1612 Capital Circle NE, Tallahassee
850.205.9939 or 850.309.8806

Frenchtown Financial Opportunity Center, 412 W. Tennessee Street, Tallahassee
850-702-5779

Main Branch, 2806 Sharer Road, Tallahassee
850.224.2754 (iDrive Lending 850.385.1027)

Persimmon Hill, 6274 Old Water Oak Road Suite 103, Tallahassee
850.668.0418

Tree Capital (Perry Branch), 1402 S Jefferson Street, Perry
850.584.5150

University Branch, 412 West Tennessee Street, Tallahassee
850.577.0396

How do I contact FSU Credit Union Emergency Hotline?

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.

Where can I submit feedback or an Idea?

You can submit your feedback or ideas relating to our products and services at http://ideas.fsucu.org/proj/?show=&show_all=1. You can also vote on ideas from other members.

How do I change my address or telephone number?

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 seven branches.
  • 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.
What are your current rates for Share Certificates (CDs)?

For details, visit our Share Certificates/CDs page.

What does FSUCU being federally insured by NCUA mean?

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://www.fsucu.org/personal_accounts/FederallyInsuredFunds.asp. For specific account questions, visit http://www.mycreditunion.gov/estimator/Pages/index.html.

How do I find out about special offers and promotions?

You can stay connected to our special offers and promotions by connecting with us on Twitter and Facebook, as well as checking www.fsucu.org frequently. We also send emails, so make sure we have your preferred, most current email address on your account by checking it in Virtuoso Online Banking.

If I purchased a money order, but decide not to use it, can I bring it back for a refund?

Yes, just visit one of our seven branches.

What does Reg D limit mean?

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.

Which branch stays open the latest?

View our locations’ most current hours of operation by visiting our ATMs and Locations page.

Which branches are open on Saturday?

For the most current locations and hours of operation, visit http://fsucu.org/contact_us/ContactUs.asp.

Which branches have a coin machine?

To use a coin machine, visit the Main Branch at 2806 Sharer Road, Tallahassee. This service is free for FSUCU members, and there is a 4% fee for nonmembers.

What should I know when buying a car?

Here is some guidance on the entire process of buying a car. It includes how to set priorities, find the right car, calculate car payments, test drive, negotiate, how to seal the deal, and Do’s and Don’ts. To get started, visit http://anytime.cuna.org/13856/new_car/pages/001_001_001.html.

Accounts

What do I need to know about opening a business account?

You can bring your valid ID to one of our seven branches to get the process started. Visit our Business page for details.

Why am I getting charged a $5 fee on my Garnet account?

Our Garnet Level Account has a monthly $5 service fee, and it shows up as a low-balance fee on your statement. You can prevent this fee by adding E-Statements and keeping it active. To get a free checking account, view the different account options.

How do I set up direct deposit?

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 FSUCU’s transit routing number (263182545). If you don’t have checks with FSUCU, 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.

How do I add a Joint Account Holder to my account?

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 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.

How do I change my name on my FSUCU account?

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.

Can I get copies of checks deposited into my savings account?

Yes, you can get a copy of your deposited check by visiting one of our branches. 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.

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://bit.ly/2lcTFRd. We will confirm your identity and help you reset your account login, so you can login into Virtuoso Online Banking again.

Why is my account getting charged an inactivity fee?

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.

What are your special savings accounts and what are their interest rates?

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.

How can I re-activate my account after it becomes dormant?

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.

Membership

How do I order checks?

If you didn’t order checks when you opened your membership account, you will need to visit one of our seven branches or call 1-877-GOFSUCU to complete your check order. Once you’ve initiated your first check order, you can reorder checks by visiting https://www.ordermychecks.com/login_a.jsp.

When will I receive my member statement?

Our paper statements are typically mailed out by the 5th business day of the following month and received shortly after that via 1st Class Mail.

We also offer E-Statements through Virtuoso Online Banking, and we email you a notification when your statement is available.

 

 

Where can I learn more about Membership benefits, eligibility requirements and how to apply?

Visit this page for these details and more.

How can I become a member?

Visit our website 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.

How do I open a checking account?

Visit our Checking Accounts page for details on opening a checking account.

How do I open a savings account?

Visit our Savings Accounts page for details on opening a savings account and what types of accounts we offer.

How can I get temporary checks?

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

Are there other ways to log into 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:

When logging into Virtuoso, why am I getting an incorrect image?

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 FSUCU 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 FSUCU’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 FSUCU 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.

What are the text commands I can send for Text Banking?

You can send text commands (such as BAL) to FSUCU 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.

FUNCTION COMMAND DESCRIPTION
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 I forget my password when trying to log into Virtuoso, how can I change it, so I can login?

If you have an ATM or debit card, you can change your password, which will allow you to login.

  1. Visit the Virtuoso Online Banking log in page.
  2. Click “Forgot your password” below the login box.
  3. 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.
  4. Click “Submit” to complete your password reset.
Why can’t I log into Virtuoso Online Banking using Internet Explorer?

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.

Here’s how:

  • Open Internet Explorer by clicking its icon on 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
Why am I getting challenge questions that are not mine?

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.

How do I change my challenge questions?

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
How do I change my password inside Virtuoso Online Banking?

This video gives you step-by-step instructions on how to change your password for Virtuoso Online Banking.

Watch video now >

How do I set up Virtuoso Online Banking?

Once you’re enrolled in Virtuoso Online Banking, this video will show you how to set up your account for use.

Watch video now >

How do I set up transfers in Virtuoso Online Banking?

This video will show you how to set up account transfers – one time or reoccurring – using Virtuoso Online Banking.

Watch video now >

Can I access the image of a check I wrote?

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 FSUCU. 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.

How can I get started with FSUCU’s mobile and text banking?

Visit our Online and Mobile Banking page for details on how to connect to Virtuoso Online Banking with mobile devices, as well as download apps and initiate Text Banking. To get started, follow the step-by-step instructions in this short video.

To initiate Text Banking, log into Virtuoso Online Banking, click “Access Accounts,” click “Mobiliti,” and click “Add New Device.” You’ll send your texts to “59289,” and it can save you time by adding this number to your contacts.

How can I view and print my account’s transaction history?

This video will show you how to view and print you account’s transactions by type, date and/or account using Virtuoso Online Banking.

Watch video now >

How can I transfer funds into my FSUCU account from another financial institution?

Do you need to pay a FSUCU loan payment or simply increase your savings using funds from your account at another financial institution? You can do this through Virtuoso online banking. Learn how by watching this short video.

Watch video now >

What are e-Lerts and how do I set them up?

FSUCU 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.

Watch video now >

How do I enroll in Mobile Banking?

This video will walk you through the process of setting up your Mobile Banking, which includes mobile browser, text banking and mobile-account alerts.

Watch video now >

What is PopMoney and how can I use it?

This video will describe what PopMoney is and how you can use it to pay for just about anything.

Watch video now >

How do I download my account information into QuickenMoney?

This video will show you how to export your personal financial information from Virtuoso Online Banking into Quicken Money.

Watch video now >

Can I receive email notifications of account transactions and occurrences?

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
Can I transfer money to another financial institution using Virtuoso Online Banking?

The only way to transfer to another financial institution is to use the Bill Pay service inside 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.

Can we pay other bills through FSUCU besides City of Tallahassee?

There are numerous other companies we are able to pay through the Global Express system. However, unlike COT, they are on a cash-only basis and there is a fee.

How can I change my password if I forgot it or I’m locked out?

If you forgot your password or are locked out of Virtuoso Online Banking, you can change your password by clicking here and following the prompts.

How do I sign up for E-Statements?

E-Statements (Electronic Statements) are a faster, safer and more convenient way to get your financial statements than through the mail. To access your E-Statements, you will need to utilize Virtuoso Online Banking. If you don’t have access to Virtuoso, please contact us and we can email you the Electronic Records Consent Form via DocuSign.

To access your E-Statements, follow these steps:

  • Log into Virtuoso Online Banking.
  • Click on “Your Preferences”
  • Click “eStatement Selection” in the submenu
  • Select “Electronic” in the drop-down menu.
  • You will also want to confirm your current email address on the right side of the page because this is where to Token Key Code will be sent.
  • Visit FSUCU.org/e-statements and click on the “View E-Statements” Button.
  • For the first visit only, click “Register to access E-Statements” to register your account. Be sure to enter all account data exactly the way it appears on your account. Click the “Register” button when you’re done.
  • To login, enter your User ID (your account number) and your password. Then, click the “Log In” button. There is a “Forgot your Password” link if you need to use it.
  • Click the “Send Token” button and keep this webpage open. If the webpage is closed or refreshed, a new Token Key Code will be required.
  • Visit your email account and copy the Token Key Code.
  • Come back to the E-Statements webpage, and enter your Token Key Code and password again. Then, click the “Log In” button

Now you’re logged into E-Statements and will see your monthly statements organized by year. You can click the + sign to expand each year. You can view, download or print your statements from here too.

 

Loans

Where can I get information about the different loans you offer?

Visit our auto loans page, home loans page or business loans page for more details.

Do I need to come into the branch to submit a loan application?

Now, you can apply for a loan quickly at https://app.loanspq.com/apply.aspx?lenderref=Floridascu070816!

How quickly do we find out if we’re approved for an online loan application?

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 FSUCU Financial Service Representative to take the next step.

Can I change the frequency of my loan payments?

You must stop by one of our seven branches, meet with one of our Financial Service Representatives to confirm approval and complete a Subsequent Action Form.

How can I change the due date for my loan payment?

You must stop by one of our seven branches, meet with one of our Financial Service Representatives to confirm approval and complete a Subsequent Action Form.

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 FSUCU. However, FSUCU 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 FSUCU is listed as a lost payee on your insurance policy for the vehicle that is financed with FSUCU.

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.

 

What is the best vehicle-loan rate I can receive and for what term?

Visit our auto loans page for the most current car rates and promotions.

How do I get my title after my loan is paid off?

After a loan is paid off and the collateral securing that lien is not securing another loan with FSUCU, we will release the lien electronically. If you have a specific question about your lien with FSUCU, please contact us. Otherwise , contact your local county tax collector for the process of converting your electronic title to paper form.

What repos do you have available?

Visit the auto loans page on our website to view our most current repo inventory.

When can I borrow more money on my account?

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.

Where can I get the Credit Rebuilder loan application and when are loans closed?

Credit Rebuilder packets are available at all seven branches. They must be turned into the Campus or University branches only. Closings will be scheduled when the packet is received.

When is my loan payment considered to be past due and what is the late charge?

Your loan is considered past due if a payment is not received on or before your due date. In most cases, FSUCU 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 FSUCU 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.

How do I use WebMessaging during my loan process?

This video will explain how to use our WebMessaging system to communicate securely online with your loan officer.

Watch video now >

How can I apply online for an FSUCU loan?

This video will walk you through the process of applying for a loan with FSU Credit Union using the online-application option.

Watch video now >

How do I make a loan payment?

To make a loan payment, visit our Loan Payment Options page to discover different payment methods.

Is there a fee to make my loan payment from another financial institution?

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 fee per transaction for one-time ACH payments made through our toll-free automated system at 1-844-893-2396.

What is the Best Rate Guarantee?

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 FSUCU, 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.

What is the Skip-a-pay Program?

FSUCU’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.

What is a Home Equity Line of Credit (HELOC)?

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 the HELOC page on our website.

My Loan My Way

What is FSUCU’s My Loan My Way?

My Loan My Way is a consumer-friendly, auto-loan extension feature that gives FSUCU 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 ratereset@fsucu.org or call 850-224-4960 today.

Who is eligible for My Loan My Way?

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
How do members access My Loan My Way?

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. FSUCU 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 (%)
12-14 0.50
15-17 0.75
18-20 1.00
21-23 1.25
24 1.50
Will the member pay more interest over time by adding on to their term with My Loan My Way?

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. FSUCU is offering this feature to provide a simple way for members to reduce their auto-loan monthly payment and provide additional monthly cash flow.

Can members pay off the loan early when using My Loan My Way?

Yes, absolutely! Members can pay off their loan early without a prepayment penalty.

What does an FSUCU member receive when they extend their loan?

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 FSUCU 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 FSUCU to change the loan terms.

Do borrowers need to make additional payments at their current payment amount?

Only if their payment is due within the next day or two from e-signing. FSUCU 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

What types of credit cards do you offer and what are their interest rates?

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 and compare them, visit the credit card page on our website.

Can I call to set up my debit card PIN during non-business hours?

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.

I received my debit card in the mail, but how do I activate and set the pin number?

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.

How do I set or change my credit card’s pin number?

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.

How do I get a new debit card or credit card since it’s expiring soon?

If your debit card or credit 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.

What is the debit-card withdrawal limit for the ATM in one day?

FSUCU 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.

What is the difference between a member’s credit-card balance and available balance?

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.

How can I make sure my debit/credit card still works when I am traveling?

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 cardservices@fsucu.org.

How can I increase my credit-card limit?

You can call us at 1-877-GO-FSUCU, make your request and begin the process.

When is my credit-card bill due?

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.

How can I make my credit-card payment?

You can visit our Credit Card Access website to make payment. You can also visit one of our seven branches.

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 for assistance.

What do I do if my debit card, credit card or ATM card is lost or stolen?

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-Chip Card

What is an EMV-Chip Card?

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.

Why is FSUCU switching to EMV-Chip Cards?

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.

How does the EMV-Chip Card work?

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.

How can I get an FSUCU EMV-Chip Credit Card?

All credit cards issued by FSUCU now include EMV microchips, so there is no need to specify EMV when you request your credit card. If you already have an FSUCU 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 FSUCU credit card yet, apply today! You can apply online for an FSUCU MasterCard, Visa Platinum or Visa Signature Rewards credit card (subject to approval).

Will I be assigned a new card number after receiving my EMV-Chip Card?

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.

Will I have a new Personal Identification Number (PIN) on my new EMV-Chip Card?

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.

What happens to my old card after I receive my new EMV-Chip 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.

Are EMV-Chip Cards new?

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.

Where can I use my EMV-Chip Card?

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 | Theft

What steps do I take if there is suspected fraud on my account?

Please call 877-GO-FSUCU or 888-918-7774 (after hours or weekends) immediately.

If there are charges on my account that I didn’t make, how do I get the money back?

Please call 877-GO-FSUCU or 888-918-7774 (after hours or weekends) immediately.

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 for assistance.

How do I stop payment on a check?

First, download and print the Check Stop Payment Request Form. Next, fill it out, sign it, and get the form to us by faxing it (850-224-2754), arranging delivery via email or hand delivering it to any of our seven branches. The check stop-payment fee is $25.

Bill Pay

What is Bill Pay?

With Bill Pay, you can pay any company or person you owe.

Quick Facts

  • 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.

More Convenience

  • 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.

How do I enroll in Bill Pay?

This video will show you how to enroll in online Bill Pay through Virtuoso Online Banking.

Watch video now >

How do I use Online Bill Pay?

This video will walk you through the process of how to set up and use our Online Bill Pay tool.

Watch video now >

Who can I pay using Bill Pay?

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 you share an account with, you can use Transfer Money to move the money from your account into their account.

How do I pay an eBill?

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.

What do I need to know to pay companies and people using Bill Pay?

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.

Quick Facts

  • 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 send a ticket request to our Support Team.

How does a company or person receive my payment?

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.

When is the money for the Bill Pay payment withdrawn from my account?

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.

Who should I call if I have questions or issues with Bill Pay?

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 send a ticket request to our Support Team.

Can I use assistive technologies to access Bill Pay?

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.

Is my personal information kept private while 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.

What kinds of accounts can I use with Bill Pay?

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.

Is my information secure while using Bill Pay?

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.

Where can I view my personal information 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.

Can I change a payment in Bill Pay?

Yes, you can change a payment that has not started processing.

When does the company or person receive my Bill Pay payment?

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.

Why do some Bill Pay payments take longer to process?

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.

Why do I have to verify my account?

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.

Why do I have to provide security information to Customer Service if I get locked out of 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.

How does Bill Pay work?

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.

Who can’t I pay with Bill Pay?

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.

How do I know if a Bill Pay payment was delivered?

You can see the status of your payments in Activity. Payments start in a Pending status until processing begins.

Tax Refunds

For my tax refund, what account number should I use for ACH deposits?

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 zeros.

Example account number: 50268

Savings: 50268

Checking: 80502683

When will my tax refund post to my account?

FSUCU 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.
Can you post my tax refund early?

No, we do not post tax refunds early.

How do I receive my Tax Form 1099 for interest earnings on my savings account?

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.

Is there a limit to how much we can cash out on a tax-refund check?

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.

Can I accept a tax refund for another person that is not listed on my account or is a nonmember?

The IRS discourages individuals from accepting tax refunds into their account that is not their own.

If the tax-refund check is made payable to joint owners, must all owners be on the FSUCU account?

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.

What is the Rapid Refund Loan Program?

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.

In what form do you usually get your tax refund with the Rapid Refund Loan Program?

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.

Can U.S. Treasury Checks be cashed or deposited into an FSUCU account?

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.

Do you place a hold on U.S. Treasury checks?

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.

How long are U.S. Treasury checks valid for?

U.S. Treasury checks are void after one year.

Identity Theft Protection (IDT911)

What is CyberScout?

FSUCU members can now take their identity-theft protection to a new level by purchasing Life Stages and FraudScout through IDT911. IDT911 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 our Identity Theft Protection page.

How do I enroll in CyberScout (Identity Theft Protection)?

Members who want to enroll in CyberScout (Identity Theft Protection Program) can follow these steps.

  1. To begin the CyberScout enrollment process, visit our enrollment page, type in your information and click “Send.”
  2. Next, read the Disclosure DocuSign, select Checking or Savings on Page 5 to designate where the fee will be charged and electronically sign it. Docusign is a simple and secure way to apply your electronic signature to this document, which is unique and encrypted. Security of your data is our priority, and Docusign is another way we can provide this to you.
  3. If you want to enroll someone else on your account, ask them to repeat this process by visiting our enrollment page, enter their information and sign the Disclosure DocuSign.
  4. 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 CyberScout, visit our Identity Theft Protection page.

Why should I consider using CyberScout’s 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 FSUCU’s Identity Theft Protection page.

What’s the cost for multiple people on my account to use CyberScout?

CyberScout’s (formerly IDT911) 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 components of CyberScout (formerly IDT911) 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.

LifeStages offers both proactive support and full-service resolution assistance 24/7, including services for:

  • Child, financial, tax, medical, employment, and other forms of identity theft
  • Social media or email compromise
  • Phishing – Privacy settings support
  • Military and travel support
  • Assisted living and estate support
  • Break-in recovery – Document replacement and Data breach assistance

FraudScout will monitor credit information through:

  • Annual TransUnion credit report
  • Annual TransUnion credit score
  • Daily TransUnion credit file monitoring
  • $25,000 identity theft reimbursement expense

Shared Branch Services

What type of transactions can I do using Shared-Branch Services?

Shared-Branch Services include:

  • Deposits
  • Withdrawals
  • Account Inquiries
  • Statement Print
  • Transfers
  • Loan Payments and Loan Advances
  • Other ancillary services – optional
How can I locate a credit union that offers Shared-Branch Services?

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.

What is a Shared Branch?

You can take advantage of a national network of linked or Shared Branches. FSUCU 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.

How does the Shared-Branch network benefit me?

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.

Who can use Shared-Branch Services?

FSUCU members may conduct business at any participating Shared-Branch facility, although some restrictions may apply. We recommend contacting FSUCU 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.

What identification do I need at a Shared Branch?

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.

Will fees be charged for services at a Shared Branch?

While some fees and limitations may apply, please call FSUCU 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 FSUCU. However, a Shared-Branch location may assess fees for services like traveler’s checks, money orders, cashier’s checks, stop payments, and notary service.

Can I use an ATM at a Shared Branch free-of-charge?

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.

How will my privacy be protected when I use a Shared Branch?

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?

ase 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).

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  • 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.
How do I use the Mobile Check Deposit tool inside of the FSU CU App to deposit a check?

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”
When will my Mobile Check Deposit be available in my account?

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.

Do I need to keep the check I used for a deposit using Mobile Check Deposit?

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.

How long do I need to keep a check that I deposited using Mobile Check Deposit?

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.

How can I learn more about the Mobile Check Deposit features inside of the FSU CU App?

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.

Can I add more than one account suffix in the App to make Mobile Check Deposits into?

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. You can visit the Mobile Check Deposit Activation FAQ for steps to activate your 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 | Courtesy Pay

What’s the difference between 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.

How can I sign up for Overdraft Protection and Courtesy Pay?

Visit this page for details.

What is the Courtesy Pay Policy?

FSUCU desires to provide a valuable service to its members who have share draft/checking accounts with the credit union and overdraft their accounts. FSUCU will advance money to a member to cover an overdraft. To implement this policy, the guidelines will be:

In order to qualify for Courtesy Pay, a member must:

  • be at least 18 years of age
  • have a share draft/checking account with a positive balance
  • be no more than 30 days past due on any Credit Union loan
  • have an automated direct deposit into their account
  • have the account open a minimum of 45 days

All members who qualify will be granted a Courtesy Pay overdraft limit of $500. Members with checking accounts at the Gold level will have a Courtesy Pay overdraft limit of $750 and members with checking accounts at the Platinum level will have a Courtesy Pay overdraft limit of $1,000. This limit would only be used if all other sources of overdraft protection were exhausted, i.e., from savings or from an existing line of credit.

Members will be charged $30 for each Courtesy Pay overdraft transaction. This fee is identical to the $30 NSF fee we currently impose now. The only difference is that a member with Courtesy Pay will have his transaction paid instead of returned.

FSUCU offers an e-alert notification to all Courtesy Pay account holders free of charge. The system allows the member to receive notices when the account reaches a minimum balance or becomes negative. This feature can help the members keep track of their balances and perhaps prevent Courtesy Pay charges since the member is aware of the low balance. Our staff is trained to offer alternatives to Courtesy Pay, such as a line of credit or overdraft protection from a different account.

If an account remains negative for 30 days, we will remove all Courtesy Pay services, and we will try to make arrangements with the member. If the member refuses to make immediate payment arrangements, the negative account will be immediately referred to the Collections Department for standard collection procedures.

Courtesy Pay will be automatically activated for members meeting the above requirements. Members who opt out of Courtesy Pay will be coded on our data processing system to exclude Courtesy Pay service. FSUCU may also remove any member who appears to be abusing Courtesy Pay.

Insurance

What is TruStage?

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.

Where can I learn more about TruStage?

You can visit their website at TruStage.com or call the toll-free number 1-88-TRUSTAGE (1-888-787-8243).

Why did TruStage (through FSUCU) decide to mail me this information?

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.

How did TruStage get my name?

When FSUCU 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.

How does TruStage address privacy?

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.

What if I don’t want to receive TruStage insurance offers in the mail?

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.

Why is FSUCU providing TruStage insurance?

FSUCU 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.

What’s the next step after receiving a letter from CUNA Mutual about free life insurance?

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.

What loan-insurance products does FSUCU offer?

For your peace of mind, FSUCU 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.

If you didn’t find the answer you were looking for, feel free to call us at 850-224-4960 or start a chat during business hours.