FAQs

About the Credit Union

Where is the Credit Union located?

Valley Blvd just north of CSULA:
2445 Mariondale Avenue, Los Angeles, CA 90032
Directions to branch on Valley Blvd N. of CSULA

What is the Credit Union's Mailing Address?

2445 Mariondale Ave,

Los Angeles, CA 90032

What are the Credit Union's Hours?

Monday-Friday 9:00am - 5:00pm, Saturday 9:00am-2:00pm

Please note our El Sereno branch has moved to 2445 Mariondale Ave.

Holidays

What are the Credit Union's Phone Numbers?

323-505-2600 – Main Number

323-505-2613 – Fax

How do I Sign up for Online Banking or Bill Payer

You can enroll online here.

If you are already enrolled and have forgotten your Security Code (password), you can receive a temporary Security Code provided you have a current email address on file with the Credit Union. Click here, enter your Logon ID (your member number, unless you have selected a different Logon ID) and click on Forgot Security Code.

Keep in mind: Your Security Code (password) is case-sensitive. If you need additional help, please call 323-505-2600 during business hours.

Loans

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!

Debit and Credit Cards

How do I find out more or apply for the Credit Union VISA Credit Card?

Click here for rates or here to use our online loan applications.

How do I activate my Credit Union VISA Credit Card?

Call 800-456-6870 – 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 30,000+ 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. Find one online here. (Link to CO-OP Page) www.co-opnetwork.org

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 30,000 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 CSLA-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 Account

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. Please note that you will need to call us so that we can exempt you from the monthly maintenance fee after your first Direct Deposit is received.

How do I place a stop payment on a check?

There are several ways to place a stop payment. Click here for the online form. 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 for applicable charges.

Is there a per-check charge for checks I write on my personal account?

No, and there is no limit on the number of checks you can write. Fees may apply for business accounts, please see the Schedule of Fees and Charges.

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 your history with the Credit Union. Check holds vary from 1 to 9 business days. Generally, large checks and checks deposited to new accounts will have longer hold times. When you make your deposit in person, the teller will inform you if there is a hold on all or part of your funds.

Can I get copies of statements from previous months?

Yes, but there is a fee for statement copies. See Schedule of Fees and Charges. Also, check Online Banking first to see up to 23 months account history 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 by logging into in Online Banking and selecting Self Service.

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 receiving printed statements.

To avoid the fee, you need only do ONE of the following:

Sign up for e-Statements

OR, Have a loan with the credit union†

OR, Bring your combined average account balance up to or over $1,500

OR, have your paycheck Direct Deposited to your account,

OR, if the primary member is under 18 or over 65, the account will be exempt from the fee.

Your combined balance is the total of all your accounts, excluding loans* (also called suffixes or sub-accounts) under the same membership number. For example, with $500 in savings, and $1,000 in checking, your combined balance would be $1,500 and there would be no monthly fee. Separate fees are not charged for each suffix.

†Credit cards excluded, minimum loan balance $1.

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 is 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, ACH or Popmoney. Popmoney is a service that allows you to send funds without knowing the financial information of the person you are paying. All you need is their cell phone or email address, and CSLA-FCU Bill Payer. Log in to Online Banking and select Bill Payer, then Popmoney to send payments.

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 checks. For savings accounts, please note you are limited to 4 withdrawals and 6 transfers per calendar month. If you need additional cash beyond the limits, please call the credit union one week in advance so that we can have it available for you, subject to availability.

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 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.

Aunts, uncles, nieces, nephews and cousins are not considered immediate family members unless they live in your immediate household. For more information on who is eligible to join, 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 one to 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 the Inactive Account Fee?

The inactive account fee is assessed monthly on accounts with no activity for one year or more. To avoid this fee, simply make a deposit, withdrawal, or transfer.

Last updated April 2, 2013

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