Q. How do I apply for a loan?
A. First time borrowers need to complete an "Open-End Credit Plan Agreement" and a loan application. Both can be obtained at the credit union. We will also be happy to mail one to you - just give us a call. Subsequent loan requests may require an updated form that can be faxed to the Credit Union.
Q. How long do I have to be a member
before I can apply for a loan?
A. You may apply for a loan as soon as you become a member. There
are no membership time requirements for loan qualifying.
Q. How do I add/remove a joint member to/from my account?
A. To add a member you will need to complete a new signature card, which you and the joint member sign where indicated. To remove a joint member, all joint members of the account need to agree to the removal, or the account can be closed and remaining joint members may open a new account.
Q. How do I change my payroll deduction?
A. Payroll deduction is an agreement between you and your employer. Payroll deduction forms are available at the Credit Union. When changing deductions, remember to indicate the total amount you want deducted from your check and notify the credit union.
Direct Deposit Questions
Q. Why should I use Direct Deposit?
- Safe – Your paycheck is protected against loss
- Worry-free – Now you can be assured that your check is deposited, even when you are away from home.
- Saves time – You no longer have to make special
trips to the credit union or stand in long lines on payday.
- Convenient – No more waiting for the mailman.
Your deposits will be made for you automatically, allowing
you to set your own timetable for getting cash.
Q. How do I apply?
A. To apply please contact your payroll department because everyone uses different forms.
Q. How will I be able to keep track
of my money?
- Your check stub from your paycheck is your permanent record.
- Our Online Banking Service, HomeBanking, allows you FREE access to your account online 24 hours a day.
Q. Is there a charge for this service?
A. This service is free to all participating FMCU members.