Frequently Asked Questions
Unanticipated expenses or mathematical errors can leave your checking account short in cash. In addition, having a check returned due to insufficient funds is tremendously embarrassing. We have created Overdraft Privilege Pay specifically for Fremont Federal Credit Union checking account members whose accounts are in good standing. There is absolutely no charge for this service unless you use it.
Read about the ways Overdraft Privilege Pay can keep you in good standing with your Fremont Federal Credit Union accounts.
Yes, Visa credit and debit cards can both be used internationally, wherever Visa cards are accepted. For example, you may use your card(s) anywhere there is a NYCE, PLUS or Visa logo. Visa and MasterCard assess a non-determined international fee for transactions processed through their network. In addition, the ATM owner may assess a fee. Fremont Federal Credit Union does not impose any additional fees. If you are traveling in the near future, please call the Branch at (419) 334-4434 and submit your Travel Plans so we can notate it in the system.
Note: While "chip cards" are being issued in Europe, European merchants can still accept U.S.-issued cards (with magnetic stripes on the back). If a European merchant says they cannot accept your card, simply ask them to try your card to get an authorization.
Fremont Federal Credit Union updated their Debit cards to the EMV Chip debit cards in early summer 2016. Current FFCU debit cardholders received a replacement debit card in July 2016. If you don’t have a Fremont Federal Credit Union debit card, stop by a FFCU branch to apply for a new EMV Chip card today!
For cash in a hurry, use any of our many convenient automatic teller machine locations. You have access to your checking and savings accounts with your Fremont Federal Credit Union VISA® Check Card or ATM card. For a nominal fee, you can also use your card at any CIRRUS, JEANIE or MONEY STATION/PULSE® network ATM around the world.
And now, we have joined forces with Alliance One. Use your card at any Alliance One ATM and the surcharge fee will be waived. A transaction fee may still be assessed depending on the network used.
All check deposited in branch are available right away for your convenience.
The credit union may put a 7 day hold on a check at our discretion. You will be made aware of the hold prior to the deposit.
All checks deposited via ATM or remotely, through our app, are subject to holds.
To dispute a credit or debit card transaction, first contact the merchant and attempt to resolve the dispute directly with them. Please make sure to document your attempts. If the merchant is unable to resolve the dispute to your satisfaction, contact Fremont Federal Credit Union to begin the dispute process through Visa®.
Since Visa requires disputes to be made in writing, please complete and return the Cardholder Dispute Form or visit any branch for a copy. Include your documentation detailing your attempts to resolve the dispute.
In accordance with federal regulations, upon receipt of your credit card dispute, the transaction amount will be placed in a dispute status. Dispute status will withhold the amount from the payment due and from being assessed interest while the dispute is being processed.
In accordance with federal regulations, we have 10 days to investigate debit card disputes or fraud claims to determine if provisional credit is warranted. However, in many cases, you will receive provisional credit to your account within 7-10 business days.
Please note: If you have fraudulent transactions on your account due to a lost, stolen or compromised card, do not contact the merchant. Instead, complete the Cardholder Claim of Fraud, making sure to include the police report case number if required. In some cases, the form will need to be notarized. We have notary services available at all of our branch locations.
Once the Cardholder Claim of Fraud has been received, the fraudulent balance will be transferred from the new account back to the blocked account
Fremont Federal Credit Union does not accept deposits at our ATM machines but if you make a deposits at a foreign ATM, that financial institution may hold your deposit for 3-5 business days. Make sure you check the ATM for more details.
Fremont Federal Credit Union offers convenient and flexible checking accounts that are catered to your specific needs and are low or no cost to you! All of our checking accounts have these standard features:
- Minimum opening deposit of $50
- Free unlimited use of Online Banking with free check copies and Mobile Banking
- Free 24/7 LIVE Member Service Call Center
- Free unlimited Bill Pay - no more stamps, no more checks to write, no more hassle
- Unlimited check writing
- Free Fremont Federal Credit Union Visa Debit Card, which can be used in place of a check to make purchases anywhere Visa is accepted. This can also be used to withdraw from ATMs
- Overdraft Privilege Pay - a discretionary service that FFCU may provide for non-sufficient funds occurrences. Members must opt in for this service
- Rate discount of ¼% on direct installment loans with auto-debit from a Fremont Federal Credit Union checking account
- Free notary service
View our Checking Accounts. View our Fee Schedule.
You may withdraw or make purchases up to your $1,000 daily limit or the available account balance (whichever is lower) in any one day unless otherwise authorized.
The terms "debit card" and "check card" mean the same thing. A debit card withdraws money from your checking account as a check does; therefore, it debits your account. It can also withdraw money from your savings account, if you have it set up that way when you ask for a card. It can be used to make purchases at any retail establishment that displays the VISA logo.
Fremont Federal Credit Union's routing number is 241278785.
Having access to your credit union accounts anywhere at any time is important. Fremont Federal Credit Union provides these convenient services to our members free of charge. You can enjoy using these services from the privacy and comfort of your home or office.
In addition, your privacy, security and safety are of the utmost importance to us. We are always monitoring our systems to ensure your account information is kept confidential. Please be aware that we will never contact you via email to ask for personal account information.
If your checks are stolen please call or visit a branch immediately. A Member Services Officer will get the needed information to flag your checks within their range of check of numbers.
ATM/Debit Chip Cards
- For a Lost/Stolen Number – 1-800-543-5073
- Pin Change Number – 866-297-3411
- Card Activation Number – 800-543-5073
These numbers are available 24/7.
Before you can transfer funds to another FFCU member, you must first set up the person as your "Contact." With the new online banking system, a "Contact" is another FFCU member.
- Select "My Finance" at the top of the menu on the desktop or from the Mobile App's bottom rail.
- Choose "Contacts" and then click "Send Invite." Enter the email or cell phone number to invite the individual to your transaction list. That person will then have to approve the invitation and enter their Share ID. The Share ID is the 4-digit number that comes after the “S” or “L” of the account you want the money to go to. The image in this post is an example of where the Share ID is located.
- Click here for more information on the Person Centric Share ID
Once the Contact approves their invitation, here’s how to transfer money to them:
- Select “Transfer Money” from the top of the menu panel on the desktop or the “plus sign” on mobile.
- Choose the account where you’d like to take the money from.
- Select the Contact you wish to send the funds to and click “continue.”
- Choose the amount, the date to transfer the funds, and the frequency. Then click “continue.”
- Review your transactions and select “continue” again to complete the process.
- Select "My Finance" at the top of the menu on the desktop or from the Mobile App's bottom rail.
- Choose "Contacts" and then click "Send Invite." Enter the email or cell phone number to invite the individual to your transaction list. That person will then have to approve the invitation and enter their account number and financial institution’s routing number.
3. Enter Recipients Name
4. Enter Recipients Email or Mobile Phone Number
5. Click Invite
Once the Contact approves their invitation, here’s how to transfer money to them:
- Select “Transfer Money” from the top of the menu panel on the desktop or the “plus sign” on mobile.
- Choose the account where you’d like to take the money from.
- Select the Contact you wish to send the funds to and click “continue.”
- Choose the amount, the date to transfer the funds, and the frequency. Then click “continue.”
- Review your transactions and select “continue” again to complete the process.
With our new online and mobile banking platform, you can make the following types of transfers:
- Internal: Move money within your Fremont Federal Credit Union Accounts
- External: Move money to and from your accounts at another financial institution
- Contact: Send money to a friend (Person to Person) using an email or text message
To transfer money in online banking, look for the Transfer Money Menu button along the top of your dashboard. To set up External Accounts and Contacts, click My Finance and select My Recipients, Contact, Send Invite, Name of Person you are sending the money to, Enter their Email or mobile phone information, Click Send Invite. Once the invite is sent, the recipient will need to accept the invite to receive payment.
To transfer money in mobile banking, select the red button with the plus sign and click Transfer Money. To set up External Accounts and Contacts, click My Finance at the bottom of the App and select My Recipients, Contact, Send Invite, Name of Person you are sending the money to, Enter their Email or mobile phone information, Click Send Invite. Once the invite is sent, the recipient will need to accept the invite to receive payment.
Yes. Your Mobile Banking username and Online Banking username are the same.
To dispute a credit or debit card transaction, first contact the merchant and attempt to resolve the dispute directly with them. Please make sure to document your attempts. If the merchant is unable to resolve the dispute to your satisfaction, contact Fremont Federal Credit Union to begin the dispute process through Visa®.
Since Visa requires disputes to be made in writing, please complete and return the Cardholder Dispute Form or visit any branch for a copy. Include your documentation detailing your attempts to resolve the dispute.
In accordance with federal regulations, upon receipt of your credit card dispute, the transaction amount will be placed in a dispute status. Dispute status will withhold the amount from the payment due and from being assessed interest while the dispute is being processed.
In accordance with federal regulations, we have 10 days to investigate debit card disputes or fraud claims to determine if provisional credit is warranted. However, in many cases, you will receive provisional credit to your account within 7-10 business days.
Please note: If you have fraudulent transactions on your account due to a lost, stolen or compromised card, do not contact the merchant. Instead, complete the Cardholder Claim of Fraud, making sure to include the police report case number if required. In some cases, the form will need to be notarized. We have notary services available at all of our branch locations.
Once the Cardholder Claim of Fraud has been received, the fraudulent balance will be transferred from the new account back to the blocked account
ATM/Debit Chip Cards
- For a Lost/Stolen Number – 1-800-543-5073
- Pin Change Number – 866-297-3411
- Card Activation Number – 800-543-5073
These numbers are available 24/7.
Fremont Federal Credit Union offers convenient and flexible checking accounts that are catered to your specific needs and are low or no cost to you! All of our checking accounts have these standard features:
- Minimum opening deposit of $50
- Free unlimited use of Online Banking with free check copies and Mobile Banking
- Free 24/7 LIVE Member Service Call Center
- Free unlimited Bill Pay - no more stamps, no more checks to write, no more hassle
- Unlimited check writing
- Free Fremont Federal Credit Union Visa Debit Card, which can be used in place of a check to make purchases anywhere Visa is accepted. This can also be used to withdraw from ATMs
- Overdraft Privilege Pay - a discretionary service that FFCU may provide for non-sufficient funds occurrences. Members must opt in for this service
- Rate discount of ¼% on direct installment loans with auto-debit from a Fremont Federal Credit Union checking account
- Free notary service
View our Checking Accounts. View our Fee Schedule.
You may withdraw or make purchases up to your $1,000 daily limit or the available account balance (whichever is lower) in any one day unless otherwise authorized.
Fremont Federal Credit Union's routing number is 241278785.
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