| 1.
Information we collect
First
time borrowers need to complete an “Open-End Credit Plan
Agreement” and a Loan Application. Both can be obtained
through your on-site representative, or call the credit union
and we will be happy to mail one to you. Subsequent loan requests
require an update form that can be faxed, or in some instances
we can take the information over the phone.
2.
How long do I have to be a member before I can apply for a
loan?
You may
apply for a loan as soon as you become a member. There are
no membership time requirements for loan qualifying.
3.
How do I add/remove a joint member to/from my account?
To add
a member you will need to complete a new signature card, which
you and the joint member sign. To remove a
joint member, all joint members of the account need to agree
to the removal.
4.
How do I change my payroll deduction?
Payroll
deduction is an agreement between you and your employer. Payroll
deduction change forms are available from your employer and
should be filed with them. When changing deductions, remember
to indicate the total amount you want deducted from your
check and forward a copy to the credit union.
5.
Direct Deposit Questions
1.Why
should I use Direct Deposit?
• Safe – Your paycheck is protected against
loss or theft.
• Worry-free – Now you can be assured
that your check is deposited, even when you’re 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.
• Fast – Your mmoney is there the day your check is dated.
2.
How do I apply?
Our Member Service Representatives have all the necessary
forms, or you can download the application from our website
at www.hsecu.org/forms_app/pdfs/directdeposit.pdf.
A single call, email or fax request will begin the application
process. If you wish, our representatives will be happy to
fill in the application for you. All you have to do is tell
them how you want your money distributed and sign your name.
Human Services ECU will take care of everything else.
3.
How will I be able to keep track of my money?
Your check stub from your paycheck is your permanent record.
With Virtual Branch or with CU24 Audio Response, our 24 hour telephone response system
you can check your balance at any time.
4.
Is there a charge for audio and ONLINE (Virtual Branch) services?
NO! This service is FREE to all participating Human Services ECU members. Bill Pay is also available and may incur a nominal charge. Click here for details. |
