Deposit Accounts

ATM Access

Members have nationwide access to ATMs that display the Co-Op, Cirrus, MasterCard, and Star network logos. Members may use the ATMs at our branches (where applicable) free of charge.

Cashpoints ATMs of the North Carolina State Employees' Credit Union are also available to our members throughout North Carolina.

When using an ATM at any other location, members of the credit union are subject to the fees and conditions of the business or financial institution providing the ATM.

ATM Locator using your cell phone. Members with cell phones can text MYCOOP (692667) to find a surcharge free CO-OP ATM, anywhere in the United States. In the message field, simply type in an address, including the city and state, in the vicinity of your desired location. You may also type in the intersection of two streets including the city and state. A return text message will be received with a list of the nearest ATMs in that area. To see an expanded list of locations, simply reply to the message with "More." This locator service is available at no additional charge to members. However, your standard text rates will apply.

ATM Locator using a computer. Use the following website address to locate a CO-OP network ATM anywhere in the United States: http://www.co-opfs.org/public/locators/atmlocator/index.cfm

Automatic Transfer

Automatic Transfer allows a credit union member to transfer credit union funds, automatically, on a regularly scheduled basis. For example, a member may instruct the credit union to deduct credit union loan payments directly out of a selected credit union account. The loan payment will be made according to the transfer schedule, provided funds are available in the selected account. Automatic Transfer also enables money to be moved electronically among most member accounts held at the credit union. Automatic Transfer also may provide a convenient way to fund a CD or Holiday Club account. Note: Individual Retirement Accounts and some other credit union accounts have transfer limitations or restrictions. Contact a credit union representative for more information on how to set up this service.

Bill Pay

This free and easy-to-use service will allow you to pay your bills (including household and credit union loan payments), set up a convenient list of your frequent payees, transfer funds to another party, view 18 months of bill payment history, receive important email or text notifications regarding your payment activity, and so much more. You retain complete control and maximum payment flexibility over which bills to pay and when they’ll be paid. You can even request a 1 or 2 day rush delivery of a payment. Use our online banking service, known as CU… At Your Service! to access our Bill Pay service. Payments are made through automatic withdrawal from your designated credit union account(s).

Check Re-Orders

This service allows you to re-order checks directly from the check printing company without having to place the order through a credit union representative. Click on the link or the logo to access the company’s website, or visit https://reorder.harland.net. Note: the Harland Clarke website is a separate site governed by another firm's privacy policy.  

Direct Deposit

Direct deposit can eliminate delays associated with payroll checks and teller lines by having payroll earnings directly deposited into your credit union account on payday. Talk with your employer about setting up this convenient and secure payroll deposit service. Enrollment is required.

With Go Direct, your benefit payment is deposited directly into your account. Enroll online at www.GoDirect.org, or call toll-free at 1-800-333-1795. Go Direct is sponsored by the U.S. Department of the Treasury and the Federal Reserve Banks.

Online Banking-- CU… At Your Service! 

CU… At Your Service! is a secure, self-service, electronic banking system that allows a credit union member to make loan payments, pay bills, review account balances, determine which checks have cleared an account, and transfer funds from one account to another at any time of the day or night, using a computer. Our online banking service is free of charge to our members. Account access is password protected for member security. Members must register with the credit union for initial access to CU… At Your Service!.

Overdraft Transfer or Line of Credit

With overdraft transfer or an overdraft line of credit, the credit union will access supplemental funds on behalf of the member, to make up for the unavailability of primary funds in the member’s checking account. This overdraft coverage is only available with a basic, premium, or business checking account.

The credit union will access an overdraft line of credit and/or overdraft transfer to cover insufficient funds in a member’s checking account resulting from a posted transaction between the member and a merchant or other third party. Members may not obtain cash from overdraft via teller transaction.

All overdraft lines of credit are subject to the loan approval guidelines of the credit union. The maximum amount of overdraft line of credit coverage is $500. 

Overdraft transfer will link a member’s checking account to the member’s credit union savings account. The credit union will access available supplemental funds from the member’s savings account to make up for the unavailability of primary funds in the member’s checking account. The credit union will charge a small fee for each overdraft transfer.

See separate fee card for details on transaction and maintenance fees.

Payroll Deduction
Arrange with your employer to have certain payments withdrawn directly from your credit union savings or checking account at the time that your payroll earnings are deposited into the credit union account. With payroll deduction, a member can make loan payments on time without having to transfer funds, write a check, or visit the branch. Talk with the human resources department at your place of employment to arrange for payroll deduction.

Telephone Account Access - CU On Call  

Using a touch-tone telephone, members can access recent account information, perform transfers and withdrawals, and get up-to-date rate information by calling calling toll-free at 1-866-708-0694. All that is needed is a member account number and a four-digit password. CU On Call is available 24-hours a day, 7 days a week.  Access to account information is password protected for member security. Members must register with the credit union for initial access to CU On Call.

VISA Account Access - eZ Card

Members can get up-to-date information on credit union VISA account activity through this online service. The eZ Card service is a convenient way to monitor your VISA account and make payments on your VISA account. Use the links in this section for easy access to the eZ Card web page. Access to your account is password protected for your security. The eZ Card website is a separate site governed by another firm's privacy policy.