FAQ

Find quick answers about your membership, accounts, cards, Zelle, wires, and loans.





1. Membership & Services

To become a member, you'll first need to meet CRCU's membership eligibility requirements. You can qualify by living, working, worshipping or attending school in an eligible area, or through an eligible employer or immediate family member. To open an account, you'll also need a valid government-issued ID, your Social Security Number or Taxpayer Identification Number, and proof of residency if needed.
All that's required is a $10 opening deposit. $5 goes into your Regular Savings account and $5 goes into your CoRe Ownership Savings account. These funds stay in your accounts for as long as you're a member and are returned to you if you close your account.
Yes. You can open a separate membership to keep your funds separate.

Not at this time.

Yes, at our branches. Please contact us for availability and any requirements.





2. Account Management

Log in to your account, select the account you need and open the Account Details tab.
The account suffix is the Share ID number for a specific Checking, Savings or Loan account.
You can call us or visit any branch to update your address. You can also do it online: log in to your account at CRCU.org in your browser, open the Menu and select "Secured Forms" to submit an Address Change Request.

We'll need the following information for your beneficiary:

  • Full name
  • Date of birth
  • Social Security Number
  • Phone number
  • Physical address

Once you have this information, visit any branch or give us a call.

Both of you will need to be present and provide a valid government-issued ID. We can add a joint owner over the phone or at any branch.
A joint owner can only be removed at their own request. This can be done over the phone or at any branch.

You can get your direct deposit information any of these ways:

  • Download and print our Direct Deposit Form from the Forms & Documents page under Resources on our website, then give it to your employer.
  • Visit any branch, and a representative can give you a Direct Deposit Letter.
  • Call us, and a representative can provide a Direct Deposit Letter over the phone.
Visit any branch to request temporary checks. You can mark one "VOID" to use for direct deposit or account verification.


3. Debit Cards & Bill Pay

Visit any branch to have a card printed the same day, or call our Call Center to have a replacement card mailed to you.
The daily Point of Sale (POS) limit is $2,000 and the daily ATM withdrawal limit is $1,000.
Visit any branch or call our Call Center. A representative will help you through the dispute process.
If you see fraud on your debit card or account, visit any branch or call our Call Center. Our team will help you with next steps.
No. Bill Pay is free.
It depends on how each biller accepts payments through Bill Pay. Some take electronic payments, and others are sent a check.
This can happen when we receive an alert or notification about the payment. Visit any branch or call our Call Center, and a representative will review it and help with next steps.
If the biller hasn't received the check within 7 to 10 business days, visit any branch or call our Call Center. A representative can help you submit a Stop Payment request for the lost check.


4. Zelle®

Zelle isn't available on minor accounts or business accounts.
Please contact us and we'll get Zelle turned on for your account.
Make sure the sender is using the exact phone number or email address enrolled in your Zelle profile. You can see which one is enrolled in your Zelle settings in the Mobile App.
A phone number or email can only be enrolled in one Zelle profile at a time. If it's already enrolled at another financial institution, you'll need to remove it there first. If it's enrolled on another CRCU account, contact us and we can help.
This can happen if your name goes over Zelle's character limit or includes a special character, such as a hyphen. Contact us and we'll review how your name is listed on your account.
Zelle uses the primary account holder's name, and it has a character limit. If your full first and last name is long, part of it may be cut off.
No. Zelle only shows the primary account holder's name.
Some payments are sent next day or in 3 business days because of extra verification or transaction limits. We can't change the delivery time.
No. You can update your contact information and add, edit or delete recipients yourself in your Zelle settings when you log in to Online Banking.
No. Zelle limits are fixed and can't be changed.

5. Wire Transfers & Loans

If the information is accurate and we receive your request before our 3:00 p.m. processing deadline, the funds will arrive the same day.
  • Beneficiary's full name
  • Beneficiary's address
  • Beneficiary's bank account number
  • Receiving bank's routing number
  • Receiving bank's address
  • Beneficiary's full name
  • Beneficiary's address
  • Beneficiary's bank account number
  • Receiving bank's routing number
  • Receiving bank's BIC/SWIFT code
  • Receiving bank's address
  • US correspondent bank name
  • US correspondent bank routing number
  • US correspondent bank country code
  • Your full ACH account number
  • CRCU's routing number
  • Your full ACH account number
  • CRCU's routing number
No. CRCU does not use a SWIFT/BIC code. Incoming international wires only need your full ACH account number and our routing number.

You have two options:

  • Internal transfer: Move funds from your CRCU account through Online Banking or the Mobile App, as long as you have enough funds available.
  • External payment: Pay through the Swivel Pay payment portal on our website using a debit card or another bank's account and routing number.
Yes, on eligible loans. Eligibility depends on the loan type and status.