Frequently Asked Questions
(FAQs)
Where is the Credit Union located?
The credit union has two branches.
Valley Blvd just north of CSULA:
2445 Mariondale Avenue,
Los Angeles, CA 90032
El Sereno Branch
4989 Huntington Dr N,
Los Angeles, CA 90032
(please do not mail correspondence to this address)
For driving directions just click below.
> directions to branch on Valley Blvd N. of CSULA
> directions to El Sereno branch
What is the Credit Union's Mailing Address?
2445 Mariondale Ave,
Los Angeles, CA 90032
What are the Credit Union's Hours?
Monday-Friday 9am - 5:00pm
What are the Credit Union's Phone Numbers?
323-505-2600 – Main Number
323-505-2613 – Fax
323-505-2609 – TARA Telephone Teller Instructions on using TARA
Why is the Credit Union closed on Saturday?
Because campus activity is minimal on Saturday, and members can make transactions via TARA Telephone Teller, ATMs or online. |
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How do I sign up for Online Banking and Bill Payer?
You can sign up online for these free services. Forgot your security code for Online Banking? If your email address on file is current, you can click 'Forgot security code' after entering your Login ID (account number, unless you have changed it) at login. Bill Payer is acessed through Online Banking. You must have a checking account to use Bill Payer, but everyone is eligible to use Online Banking. Access Bill Payer by first logging in to Online Banking.
What do I need to apply for a loan?
First, you must be a member to apply. Then submit a loan application, along with your most recent pay stub. You can apply for a loan at any time after you join. If you are self-employed or on financial aide, contact the Loan Department for instructions on how to document your income.
How long will it take for me to get an answer on my loan request?
Loan applications completed online can receive instant feedback. In the event the Loan Officer needs to review your application, most consumer (non-real estate) loan applications take about 3 business days to process. Processing will be delayed unless the application is complete and includes a copy of your pay stub.
How does the credit union decide what interest rate I qualify for?
The Credit Union always provides the best rate possible, based on your credit history, income, and other information provided in your loan application. The Loan Department cannot determine what rate you qualify for until you submit a loan application and your credit report is reviewed.
If I apply for a loan, am I obligated to take it?
No, there is no obligation.
What if I find a better rate elsewhere?
Provide the credit union with a written offer from the other lender, and we will do our best to meet or beat it!
How do I find out more or apply for the Credit Union Visa® Credit Card?
Click your mouse for rates and a loan application .
How do I activate my Credit Union Visa® Credit Card?
Call 800-543-5073 – credit cards only
How do I find out my Credit Union Visa® Credit Card balance?
Call 800-808-7230 – credit cards only
Can I get a cash advance on my credit card at the Credit Union?
If you are a member and it is a Visa® Credit Card.
What if I lose my Visa® Credit Card?
Report lost or stolen cards or checks using the appropriate phone number which is listed on the Contact Us page.
How do I activate my Visa® Debit/ATM Card?
Call 323-505-2600 before using your card for the first time.
How do I locate a nearby no-surcharge ATM?
Locate ATMs Online
There are 28,000+ CO-OP Network ATMs in the US and Canada, 9,000+ accept deposits. 5,500+ surcharge-free COOP ATMs are now available in 7-Eleven stores. 2,200 'Vcom' ATM units in 7-11 stores also take deposits. Click on Find ATMs at the top of the page to locate an ATM near you.
Text to Find ATMs
You can get locations via texting on your mobile phone. Just text MYCOOP (692667) In the body of the text, enter an address with City, State, Zip Code or an Intersection with City, State. In about 30 seconds, the service will reply with the surcharge free ATM nearest the location. If you want more, just reply 'MORE'.
Locate ATMs using your iPhone
Find a network surcharge-free ATM is a snap with CO-OP’s Locator App for iPhone. Using the CO-OP ATM Locator iPhone app, you can find the ATM nearest you, or search for ATMs by specific address, city, state or zip code. Downloading the app is free, easy and there’s no registration process. Just search ‘CO-OP ATM’ in the App Store at www.iTunes.com. Then download, install and go! Or click here to download now.*
Locate ATMS using your GPS
Take the CO-OP ATM Network with you when you drive! Download the database of more than 28,000 surcharge-free ATMs directly to your Garmin®, Tom Tom® or other GPS device here. You’ll never be lost looking for your CO-OP ATM again. To download click here and select your GPS device type. You will be directed away from the CSULA-FCU website.
*App is for locating CO-OP Network ATMs only. There is no charge for downloading the app at iTunes.com. However, web charges may occur on your cell phone bill depending on your data plan. Check with your service provider.
Like CO-OP Network ATMs, 692667 (MYCOOP) is a surcharge-free service. But check with your mobile phone provider as standard text messaging rates apply. And don’t worry, you’ll never receive any unsolicited messages by using 692667 (MYCOOP).
What if I lose my Visa® Debit/ATM Card?
Report lost or stolen cards or checks using the appropriate phone number, which is listed on the Contact Us page.
Does the Credit Union know what my Visa® Debit/ATM Card PIN# is?
No. The credit union does not have that information and cannot recover it if you should lose it. A request for a replacement PIN must be made. Debit/ATM cards issued in our office have a self-selected PIN feature, and you can bring the card in to reset it. Cards that are issued by mail will require that a new PIN be mailed. There may be a fee for this service. See Schedule of Fees and Charges.
I must have forgotten my PIN and after trying it 3 times the ATM has locked me out. What do I do?
The ATM system resets PIN lockouts after 24 hours so you can try again the next day. In the meantime you can use the card to make purchases at Point of Sale locations (Select 'Credit' instead of 'Debit' at checkout.)
What is the maximum amount that can be withdrawn from an ATM?
Maximum of $500 per day. (Some ATMs owned by other banks or credit unions may have lower limits.)
What is the maximum daily amount for Point-of-Sale purchases?
Maximum of $1000 per day. If you will need access to more for a large purchase, please call us at 323-505-2600. If you would like a lower daily limit, just let us know.
My Visa® Debit/ATM Card is about to expire. When will I get a new one?
Cards expire on the last day of the month listed on your card. If you have been using your ATM card you will receive a replacement about 1-2 weeks before your old card expires. If you are not using your card, no replacement will be mailed unless you request one. Please be sure you notify the credit union in writing when your address changes so you won't miss any statements or replacement cards!
My payroll comes from the State of California, when will my Direct Deposit be posted?
You can check the State Controller's schedule for payroll and deposit posting dates. Typically, the State Controller's office sends the Direct Deposit for posting dated one day after paper payroll.
What if I find a mistake on my statement?
Write or call the Credit Union within 60 days of the statement date, and explain the problem as clearly as possible.
How do I arrange Direct Deposit of my paychecks and/or benefit checks?
Ask your employer or the agency that issues the check (such as Social Security, IRS, etc.) if they offer Direct Deposit. Your employer or check-issuer may ask you to fill out a form to start. You will need to know our routing number (on the bottom of your checks, or call us for this number) and your account number. You can receive Direct Deposit to checking or savings. Not only is Direct Deposit convenient, but it exempts you from the monthly maintenance fee, without any e-statement or balance requirements.
How do I place a stop payment on a check?
There are several ways to place a stop payment. You may log on to Online Banking, then select Services, then Stop Payment Request, or you may call the credit union, or come in. You will need to know the check number, date, amount and payee. For lost or stolen blank checks, you will only need to know the check numbers. See Schedule of Fees and Charges
Is there a per-check charge for checks I write on my account?
No, and there is no limit on the number of checks you can write.
What is a "check hold?"
A check hold is a hold placed on a check that you have deposited, but that has not yet cleared the bank it was drawn on. Check holds are placed based on the amount and type of the check and the location of the bank it is drawn on. Check holds vary from 1 to 10 business days. Generally, large checks, credit card checks and out-of-state checks have longer hold times.
Can I get copies of statements from previous months?
Yes, but there may be a fee. See Schedule of Fees and Charges Also, check Online Banking first to see the last 90 days transactions FREE! If you are signed up for e-Statements you will be able to see past statements as Adobe PDFs which you may print or download. You can sign up for e-Statements in Online Banking.
Can I get copies of a check I wrote?
Once a check has cleared your account, a copy of it will be available in Online Banking for 90 days at no charge. After that, call or write us to request a copy. See Schedule of Fees and Charges.
I have a check made payable to someone who is not on my account. Can I deposit at the Credit Union?
We're sorry, but no. Credit Union policy does not permit us to cash or deposit third-party checks.
What is the Monthly Maintenance Fee?
The monthly maintenance fee of $5 is assessed at the end of each month for accounts with a combined balance of less than $1,500. To avoid the fee, bring your combined account balance up to or over $1,500, have a loan with a balance of $1 or more (credit cards excluded) OR have your paycheck Direct Deposited to your account, OR subscribe to our e-Statements service using Online Banking. Members under 18 or over 65 are also exempt from the fee. Your combined balance is the total of all your suffixes under the same membership number. For example, with $500 in savings, and $1000 in checking, your combined balance would be $1,500 and there would be no monthly fee. Separate fees are not charged for each suffix.
See Schedule of Fees and Charges.
Can I transfer funds from my Credit Union account to an account at another financial institution?
Yes, the Credit Union can send wire transfers to other financial institutions, but there may be a fee for this service. See Schedule of Fees and Charges. There is no fee to receive a wire. You can also send funds to another financial institution using Bill Payer. The electronic service takes a few days. Consider an ACH transfer if you want to send the same amount to (or from) the same place each month.
What is the maximum cash withdrawal per day?
You can withdraw up to $500 from ATMs and up to $500 inside the credit union, for a daily total of $1,000. You can make additional withdrawals above this limit using money orders and cashiers or tellers checks. For savings accounts, please note you are limited to 4 withdrawals and 6 transfers per calendar month.
How do I change my address?
You must notify us in writing. Download and print an address change form, or simply write us a letter with your name, account number, old and new address, and your signature. For your protection, we cannot accept changes via email or by phone!
Can minors have accounts at the Credit Union?
Yes. Children under 18 may open FREE savings accounts which earn dividends with a minimum balance of only $25. The credit union offers FREE Teen Checking accounts to teens 15 - 17. Teens under 16 must have an adult joint owner who is not on Chexsystems.
What if I am on ChexSystems?
Unfortunately, we are unable to open an account for you if you are on ChexSystems.
Can my family members join the Credit Union?
Immediate family members of our members can join, including siblings, spouses, children, grandchildren, parents, grandparents and domestic partners. For more information, see Who Can Join.
What is a Dormant Account?
Any account that has not had any transactions or written communication from the account holder for three years is classified as "dormant." By state law, all financial institutions, including your Credit Union, must escheat (or give) funds in accounts dormant for three years to the state. If your account becomes dormant, the Credit Union will attempt to notify you by mail and by phone, so the account can be made current – another good reason to notify us of your current address and phone number.
If you think the State of California might have escheated funds from your account at this or another institution, check www.sco.ca.gov.
What is an Inactive Account?
An account is inactive if it has had no activity for 1 year or longer. Inactive accounts are subject to a $3 Inactivity fee per month. To avoid the fee, simply make a transfer, withdrawal, or deposit at least once a year.
Last modified: January 31, 2012
