General

How do I report my card lost or stolen?

To report a card lost or stolen, please call our toll free number 800.347.9222. You will be prompted to select “report my card lost or stolen” from the menu options.


Tip: Check travel company and airline deals

Frequently surf prominent airline and hotel booking websites and sign up for their email alerts. You’ll be surprised at the deals you can find, especially for off-season and all-inclusive trips.


Will I be receiving a 1098 form in the mail if I get e-statements?

No, you should be getting an email notification letting you know when it is available to view from the e-documents tab of your on-line banking.


Does Solarity offer student loans?

No, however, we offer a variety of products to help parents of and future students save for college. Additionally, we offer various loan products to help current/former students consolidate outstanding debt.


How do you figure out two-plus years’ business and living expenses?

For your living expenses, take a brutal inventory of your spending over the past three months—or if you don’t have the paper trail to follow, keep track of your spending for the next three months. Note every single dollar and be sure to add in annual expenses that may not have occurred last quarter. Now add 10-15 percent to account for any emergencies that may arise while you’re starting your business. Finally, multiply the total by 2.5. Why 2.5? You want to give your business time to establish itself for two years and also give yourself a six-month cushion to find work should everything come crashing down.

To determine your projected business expenses, you must perform a detailed cash-flow analysis that assigns dollar amounts to every cost that goes into setting up and maintaining your new company—and then extend it out for two years. The last thing you want is to invest all your time, money, and effort to get a business off the ground only to close your doors a few months later.


Does Solarity offer notary services?

Yes, we offer complimentary notary services for our members at all of our locations.


What is Solarity Credit Union’s routing number?

Our routing number is 325183738.


What about additional coverage—what should I research?

If your business is expanding, there are several types of insurance you may need to look into:

  • Business interruption insurance: Property and liability only take you so far after disaster strikes. Business interruption insurance can help you rebuild by replacing lost income and covering expenses you incur getting back into the market quickly. Business interruption insurance is usually included within a typical business owner’s policy.
  • Employment practice liability insurance: Coverage for defense costs and damages related to various employment-related claims, including allegations of wrongful termination, discrimination, workplace harassment, and retaliation deriving from the employer-employee relationship. This coverage is for companies with enough employees to be subject to state or federal civil rights laws.
  • Home-based business insurance: Homeowners insurance policies generally don’t cover home-based business losses. Sure you may be able to add riders to your homeowners policy to cover normal business risks, but most homeowners’ policies only go so far in covering your home-office, and you may need to investigate additional policies to cover other risks.

How can I get copies of my statements?

Past statements (12 months) are available to members electronically through Online Banking for free. If you are not enrolled in Online Banking, need a statement older than 12 months or need the credit union to print the statements for you, our staff would be happy to assist you with your request. However, there is a $1/page fee.


How’s your credit?

Whether you’re applying for a business or personal loan, one of the first things a lender looks into is your credit history. Looking to increase your business credit score? Check out five tips from score.org.


Does Solarity Credit Union provide currency exchange services?

No, however, currency exchange services are available at most retail banks (e.g., Wells Fargo, U.S. Bank, etc.).


Does Solarity partner with any other credit unions or participate in shared branching?

Solarity Credit Union does not participate in shared branching. However, we do belong to the network of Money Pass ATMs. This partnership allows our members to withdraw cash from any Money Pass ATM without additional surcharges being assessed. To find MoneyPass ATM near you click here.


Why shouldn’t I borrow money for a vacation?

It’s not that you don’t deserve a break—you do. Let’s just work to save for that all-inclusive trip to Cancun rather than get a loan or charge up credit cards. Trust us: The stress incurred by the debt will far outweigh what you felt before taking the vacation.


What is some typical collateral?

Collateral can be personal or business assets that can be sold in case the cash generated by the business is not sufficient to repay the loan. The value of the collateral is not based on market value but rather discounted to account for the value drop should the assets need to be quickly liquidated.
Typical collateral includes:

  • House
  • Car
  • Truck and heavy equipment
  • Office equipment
  • Furniture
  • Inventory
  • Jewelry
  • Stocks and bonds
  • Mutual funds
  • IRA
  • CD

Are there any fees for using my credit card outside the country?

Solarity does not charge you any fees for using your credit card internationally. However, VISA does charge 1% of the amount transacted on international purchases.


Personal Banking

How do I report my card lost or stolen?

To report a card lost or stolen, please call our toll free number 800.347.9222. You will be prompted to select “report my card lost or stolen” from the menu options.


How do I order checks?

To order new checks please contact us at 800.347.9222, or use our live chat feature. This is to ensure the personal information printed is up-to-date and accurate.


I want to close an account I share with someone. Do both signers have to be present to close the account?

No, either signer has authority to close the account.


Tip: Create a budget and slash expenses

If you just can’t wait to get away, create an exacting budget and stick to it. Then start eliminating monthly costs that add up quickly. Cut the cable. Cancel the memberships. Eat out less, plan out meals, and never go to the grocery store hungry—all standard stuff.


Can I use a taxpayer identification number (TIN) to open an account?

Yes, if you do not have a Social Security number we can open accounts using a TIN.


I tried to use my debit card at a store but it was declined. I have enough money in the account, why didn’t it work?

Debit cards have a $1,510.00 point of sale transaction per day limit. If you’ve made more than $1510.00 in purchases using your PIN, you will need to select credit to make additional purchases that day.


Tip: Give “Pantry Week” a try

For one week a month, stay out of the grocery stores and only eat what you have in your house. Take it a step further and pretend with the kids that you’re on a desert island and then challenge family members to create the most tasty or weird recipes. It can really make a big dent in saving up for that Disneyland trip, and don’t worry, most families have more staples in their cupboards than they realize.


My debit/credit card expires at the end of this month. When will I receive a new card?

Debit and credit cards are good through the last day of the month the cards expire on. For example, if your card’s expiration date is 01/20, the card will work through January 31, 2020. Generally, you should receive your new card on the third week of the month in which the current card expires. If you haven’t received it by then, please stop by one of our locations or call us at 509.248.1720 or toll-free at 800.347.9222 so we can help locate your card.


How can I remove someone off my account?

You both would need to come into any location and sign new account cards to remove someone from your account. Otherwise, you can close out your current account and reopen a new one in just your name.


Why is my debit card number different than my joint account holder’s debit card?

Each account holder is issued a unique debit card number. In the event one card is lost or stolen, we place a hold on only that card and the other account holder would be able to continue using their card.


I deposited a check through your mobile deposit. What should I do with the check?

Please keep the check in your possession for 60 days after the date of deposit. At that point, you can shred the check.


How much cash can I withdraw per day?

Members are able to withdraw $500 in cash each day from an ATM, and can withdraw up to $3,000 in cash per day from one of our locations. Larger cash withdrawals are subject to manager approval and currency availability.


What is this Regulation D message that won’t let me transfer funds from my savings?

That is a federal regulation; it only allows six electronic transfers out of a savings account per month. If you need to make additional transfers, visit us at one of our locations and sign for the transfer or go to an ATM and transfer with your PIN.


How can I get copies of my statements?

Past statements (12 months) are available to members electronically through Online Banking for free. If you are not enrolled in Online Banking, need a statement older than 12 months or need the credit union to print the statements for you, our staff would be happy to assist you with your request. However, there is a $1/page fee.


If I make a mobile deposit, how much money is immediately available?

You have up to $2,500.00 available immediately.


What do I need to do to add someone to my account?

The best way to add someone to an existing account is to come into any location with the new party as well as any other signers on the account to sign new Account Change card and make copies of the new party’s identification. If it is not possible to visit one of our locations, account change cards must be signed in the presence of a notary public and copies of each member’s identification will need to be submitted along with the account change cards and completed notary forms.


How can I open an account?

You can open an account online, at any of our locations or over phone.


Tip: Open a dedicated savings account

Don’t let your “trip money” mingle with your regular account funds. First, determine how much you can afford to stash away each month, and try not to be too stingy. Try to save either a fixed amount or a percentage of each paycheck.
To take it a step further, if your employer offers direct deposit, simply tell payroll to send a certain amount to your savings account every paycheck, with the rest sent to checking as usual.

In addition, if you have two accounts with Solarity you can set up automatic recurring transfers between accounts. For example, try tucking $25 into your savings from your primary checking every two weeks—it adds up fast!


Why can’t I access my eDocuments in Online Banking?

It sounds like you may need to disable any popup blockers. If you need assistance changing your settings, please contact us at 509.248.1720 or toll-free at 800.347.9222.


How much do I need to save for a trip?

Be sure to account for more than hotel and airfare when calculating the budget for your next excursion. Meals, tours, transportation, tips, gifts—the list of unexpected purchases goes on and on. Make sure your budget plans on you spending money throughout the trip.


How much is my account insured for?

Deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF). As a Solarity member, you do not pay directly for your protection. An individual account is insured up to $250,000 and a joint account is insured up to $250,000 per joint account owner.


Tip: Open a separate dedicated savings account

Now that you’ve figured out how much money you should set aside to start a business, it’s time to actually start saving. To make things easier, automate a savings plan. Try to save either a fixed amount or a percentage of each paycheck into a certificate, savings, or money market account.


Tip: Save without losing your mind

Saving money is tough—and if it doesn’t sting a little bit, you’re probably not doing it right. That said, you deserve to enjoy your life while you’re saving for your startup.

Try to cut out the spending habits you spot, one by one, but remember to still treat yourself once in awhile.


Tip: Create a budget and slash expenses

It’s an oldie but a goodie. Create an exacting budget and stick to it. Then start eliminating monthly costs that add up. Cut the cable. Cancel the memberships. Eat out less and plan meals and grocery shopping trips—all standard items.


Business Banking

How do I report my card lost or stolen?

To report a card lost or stolen, please call our toll free number 800.347.9222. You will be prompted to select “report my card lost or stolen” from the menu options.


Do I have to rest my line of credit, and for how long?

There is an annual rest period where the line of credit needs to paid down to a zero balance for 30 days. Exceptions can be made under certain circumstances approved by business loan management.


Do you offer loans for start ups?

We do not offer start up loans at this time, but we do offer loans on other collateral one can use to help fund the startup of a new business. The one exception to this might be if the start-up loan request was strongly guaranteed and secured by collateral of unquestioned value.


How long does it take to set up a commercial loan?

The process can take from as little as two weeks to 45 days or more, for more complex credits. A great deal depends upon how quickly you deliver your financial disclosure package to the credit union, and how rapidly we receive third party reports, such as appraisals or environmental reports. But rest assured we strive to get you the financing your business needs as rapidly as possible.


Can I add/remove someone from a business loan?

In order to add or remove an individual from a business loan the credit union would have to agree to refinance or modify the loan in the name of the new qualifying guarantor/borrower.


How long does it take to open a business account?

Once all the required documentation and signatures are gathered, a business account can be opened in less than 2 business days, and often the same day.


Can anyone make a deposit or complete a transaction on my business account?

Only authorized signers are able to complete transactions. However, anyone can make a deposit into the account and we will never divulge any information (e.g., account balance or recent transactions).


Can I have multiple DBAs under one account?

According to the state of Washington, multiple DBAs can be associated with a single account if the DBA(s) are registered to the legal business or the account owner’s name—and they share the same EIN or SSN.


Can I add/remove someone from a business savings account?

Yes. This can be done through a Change Form at any time by the owners of the account, as long as proper documentation is provided.


How much do I need to save to start a business?

Short answer: It’s considered wise to save at least two years’ business expenses plus two and a half years’ living expenses. Of course, this depends on many variables (type of start-up, replacing primary source of income, partners, etc.), but it is a helpful guideline to get a sense of a final dollar amount.


What insurance does every business need?

There are several types of insurance that every business needs:

  • Worker’s compensation: Insurance for injuries on the job that covers medical expenses, lost income, and rehabilitation. While it’s not required, be sure to cover your employees and yourself, something many owners neglect.
  • Property: Insurance that protects buildings and their contents; however, companies without much invested in inventory or premises can pass on this one.
  • General liability coverage: Insurance that covers any injury or damage your company may have caused to other people, their reputation, or their property.
  • Business owner’s policy (BOP): A BOP packages all required coverage a business owner needs (e.g., property, liability, vehicle, crime). A BOP can be customized to fit your company’s needs and typically save owners money. The bundled services often costs less than the total cost of all the individual coverage would.

What types of financing are available?

When you’re looking for a business loan, the first place to start is to assess your company’s debt-to-equity ratio (i.e., the amount of money you’ve borrowed to the amount of money you have invested). As you might assume, the more money you have invested in your business the easier it is to obtain financing.

There are two types of financing: equity financing and debt financing.

Equity financing (or equity capital) is the money raised by a business through investors who, in exchange for their contributions, receive a share of ownership in the company (shares of stock outright or the right to convert other financial instruments into stock). Naturally, this allows business to obtain funds without incurring debt or monthly payments.

Debt financing, as you may have deduced, means borrowing money that must be repaid over a specific period. Debt financing can be either short term, with full repayment due within a year, or long term, with repayment due over a period greater than one year. The lender does not gain an ownership interest in the business, and debt obligations are typically limited to repaying the loan with interest.


Tip: Stuff you need for a Small Business Loan Application

Here’s a great list of all the documentation you need to gather and bring in when you apply for a small business loan.


What is some typical collateral?

Collateral can be personal or business assets that can be sold in case the cash generated by the business is not sufficient to repay the loan. The value of the collateral is not based on market value but rather discounted to account for the value drop should the assets need to be quickly liquidated.
Typical collateral includes:

  • House
  • Car
  • Truck and heavy equipment
  • Office equipment
  • Furniture
  • Inventory
  • Jewelry
  • Stocks and bonds
  • Mutual funds
  • IRA
  • CD

What types of financing are available?

When you’re looking for a business loan, the first place to start is to assess your company’s debt-to-equity ratio (i.e., the amount of money you’ve borrowed to the amount of money you have invested). As you might assume, the more money you have invested in your business the easier it is to obtain financing.

There are two types of financing: equity financing and debt financing.

Equity financing (or equity capital) is the money raised by a business through investors who, in exchange for their contributions, receive a share of ownership in the company (shares of stock outright or the right to convert other financial instruments into stock). Naturally, this allows business to obtain funds without incurring debt or monthly payments.

Debt financing, as you may have deduced, means borrowing money that must be repaid over a specific period. Debt financing can be either short term, with full repayment due within a year, or long term, with repayment due over a period greater than one year. The lender does not gain an ownership interest in the business, and debt obligations are typically limited to repaying the loan with interest.


Home Loans

How do I make a payment on my loan?

To better serve the needs of our members, we offer multiple payment methods.

  • • You can transfer funds directly from your Solarity account to your loan through online banking
  • • If your funds are coming from a separate financial institution you have the option to set up automatic payments via ACH by filling out a Pre Authorized Transfer form (PAT). If you did not receive a PAT form, please call our office at 800.347.9222 to request one.
  • • If you have a smartphone or tablet, you can use our Remote Deposit Capture feature to take a picture of your check and have it deposited in your Solarity account in real time, or you can mail a check or money order to P.O. Box 2922 Yakima,WA 98907. Please be sure to include a payment coupon or your loan number.
  • • Additionally, we can take a payment over the phone using a Visa, Mastercard or Discover credit or debit card by 800.347.9222. There is a processing fee or $10 in order to do so.

How do I remove my private mortgage insurance on my mortgage?

To drop PMI, the loan-to-value ratio must be 80 percent or less. You’re welcome to order your own appraisal if you believe the value differs from what we have listed. If so, provide Solarity with the appraisal documents and we’ll be happy to review and determine whether the PMI can be removed.


What if the property value goes up during the life of the loan/line of credit, can my loan/line of credit amount automatically increase?

No, it does not automatically increase. However we would be happy to look at the value of refinancing the loan to be able to utilize the increased equity.


Do you do commercial loans on rentals that are manufactured homes or mobile homes?

Yes on manufactured homes built after 1974 that are affixed to a permanent foundation.


What if the property is unfinished or needs work?

We are able to do loans according to an as is value or as completed value. A holdback of funds would be placed on the amount of work to be completed if the loan amount was for the value as completed.


What’s “Ability to Repay”

One measurement lenders use to qualify business loans is the Ability to Repay. Lenders typically want to see two sources of repayment—cash flow from the business along with a secondary source, such as collateral.


What credit bureau do you use for loan applications?

We use Equifax credit bureau information.


Can I make payments on my loan over the phone?

You can make payments over the phone, however, there is a $10.00 processing fee.


Can you change the date on my loan?

Unfortunately, we can’t change the due date. However, we do offer a 15-day grace period after the due date before any late fees are charged or adverse reporting.


I recently was approved for a loan with you but now I received an Adverse Action Notice. Why?

According to the Equal Credit Opportunity Act (“ECOA”), Solarity Credit Union (as a lender) is required to notify any applicant for a Loan of action taken on the Application (denial or approval) within 30 days of receiving a completed Application. An “adverse action” includes refusing to grant a Loan in substantially the amount or on substantially the terms requested in the Application unless the Lender makes a counteroffer and the Applicant uses or expressly accepts the Loan offered. Whenever a Lender takes an adverse action, it must provide, in writing, a notice of adverse action and a statement of the specific reasons for the adverse action (e.g., insufficient credit score, creditor’s internal standards or policies, etc.) or direction to the consumer to request the statement of specific reasons.


I am getting ready to pay off my mortgage loan. How do I request a final payoff?

Mortgage payoff requests must be submitted in writing to our loan servicing department. Email requests to: loanservicingdepartment@solaritycu.org. The requests should include your name, loan number and the requested payoff date.


Where do I send my proof of insurance for my loan?

We work with State National Insurance Company to process all of our insurance products. For questions on your insurance, you can contact State National Insurance at toll-free 866.576.7893. If you need to fax your proof of insurance, you can do so at 877.266.8690.


How can I remove my private mortgage insurance (PMI) on my mortgage?

In order to drop PMI on a mortgage, the loan to value ratio must be at 80 percent or less. You’re welcome to order your own appraisal if you believe the value differs from what we have listed. Provide us with the appraisal documents for review and we will be happy to help you determine if the PMI can be removed.


Do you offer skip a payment?

We do not offer a skip a payment but we do offer a loan extension. The loan extension adds the payment to the end of your loan. There is a $25 fee for the loan extension and it has to be approved by our underwriters.


Is there a penalty to pay my loan off earlier?

No, we do not penalize on early payoffs.


How long does it take to hear back on a web loan application?

Usually, you’ll receive an answer upon submitting an application. However, if the application needs to be reviewed by underwriting, it will be reviewed during business hours. If the application is received during nonbusiness hours and needs to be reviewed by underwriting, it will be processed the following business day.


How do I change the amount on my automatic payment?

To change the amount of your automatic payment, we will need an updated pre-authorized transfer (PAT) form, indicating the change needed.


How long is my pre-approval good for?

We can save your pre-approval on vehicle loans for 30 days before we would have to re-pull credit. If the car, RV or ATV is still being built, the terms can be locked for 90 days.


Will I be receiving a tax form for interest paid on my loan?

All mortgages with $600 or more paid in interest will receive a 1098. For any other loans including vehicle, bikes, or RV—interest paid information will be in your December statement. Please remember, if you are enrolled in eStatements your tax information will be delivered electronically via e-documents.


Vehicle Loans

How do I make a payment on my loan?

To better serve the needs of our members, we offer multiple payment methods.

  • • You can transfer funds directly from your Solarity account to your loan through online banking
  • • If your funds are coming from a separate financial institution you have the option to set up automatic payments via ACH by filling out a Pre Authorized Transfer form (PAT). If you did not receive a PAT form, please call our office at 800.347.9222 to request one.
  • • If you have a smartphone or tablet, you can use our Remote Deposit Capture feature to take a picture of your check and have it deposited in your Solarity account in real time, or you can mail a check or money order to P.O. Box 2922 Yakima,WA 98907. Please be sure to include a payment coupon or your loan number.
  • • Additionally, we can take a payment over the phone using a Visa, Mastercard or Discover credit or debit card by 800.347.9222. There is a processing fee or $10 in order to do so.

Why am I being charged $31 after paying off my loan?

The fee is likely the cost associated with removing Solarity as lienholder on a loan. Please stop by your local branch or call us at 509.248.1720 or toll-free at 800.347.9222 to confirm the fee.


How long will it be until I get the title to my vehicle?

Within 10 days of payoff, we will process the $31 title fee and send the release of interest documents to the state. Once that is completed, the state will send you your clean title in roughly 6 to 8 weeks.


My car payment is due today. Is it alright if I come in tomorrow and pay it?

Of course! We provide a 15-day grace period on auto loans before a late fee is charged to your loan.


What credit bureau do you use for loan applications?

We use Equifax credit bureau information.


Do I have to submit a new application if I change my mind on what vehicle I would like to purchase?

Not at all. Just give us a call if you find something different we’ll be happy to update the information on the application and resubmit for a new decision.


Do you do loans on vehicles that have a salvage title?

Yes. We can finance up to 60 percent of the clean retail value. To find out more about the value of your vehicle, you can visit NADA or Kelly Blue Book online or speak to any of our Financial Guides by calling 509.248.1720 or toll-free 800.347.9222.


I totaled my car. I have the GAP insurance policy through Solarity. What do I need to do?

We’re sorry to hear that! Please visit any location or call 509.248.1720 or toll-free 800.347.9222 to work with a Financial Guide to file a claim on your behalf.


What is the age cut-off for financing an RV or boat?

The boat or RV cannot be more than 20 years old.


Can I make payments on my loan over the phone?

You can make payments over the phone, however, there is a $10.00 processing fee.


Can you change the date on my loan?

Unfortunately, we can’t change the due date. However, we do offer a 15-day grace period after the due date before any late fees are charged or adverse reporting.


I recently was approved for a loan with you but now I received an Adverse Action Notice. Why?

According to the Equal Credit Opportunity Act (“ECOA”), Solarity Credit Union (as a lender) is required to notify any applicant for a Loan of action taken on the Application (denial or approval) within 30 days of receiving a completed Application. An “adverse action” includes refusing to grant a Loan in substantially the amount or on substantially the terms requested in the Application unless the Lender makes a counteroffer and the Applicant uses or expressly accepts the Loan offered. Whenever a Lender takes an adverse action, it must provide, in writing, a notice of adverse action and a statement of the specific reasons for the adverse action (e.g., insufficient credit score, creditor’s internal standards or policies, etc.) or direction to the consumer to request the statement of specific reasons.


Where do I send my proof of insurance for my loan?

We work with State National Insurance Company to process all of our insurance products. For questions on your insurance, you can contact State National Insurance at toll-free 866.576.7893. If you need to fax your proof of insurance, you can do so at 877.266.8690.


Is there a penalty to pay my loan off earlier?

No, we do not penalize on early payoffs.


How long does it take to hear back on a web loan application?

Usually, you’ll receive an answer upon submitting an application. However, if the application needs to be reviewed by underwriting, it will be reviewed during business hours. If the application is received during nonbusiness hours and needs to be reviewed by underwriting, it will be processed the following business day.


Can I get GAP protection on a vehicle with a salvaged or rebuilt title?

Unfortunately, we do not offer insurance products for vehicles with a rebuilt/salvage title.


How long is my pre-approval good for?

We can save your pre-approval on vehicle loans for 30 days before we would have to re-pull credit. If the car, RV or ATV is still being built, the terms can be locked for 90 days.


Will I be receiving a tax form for interest paid on my loan?

All mortgages with $600 or more paid in interest will receive a 1098. For any other loans including vehicle, bikes, or RV—interest paid information will be in your December statement. Please remember, if you are enrolled in eStatements your tax information will be delivered electronically via e-documents.


Credit Cards

How do I report my card lost or stolen?

To report a card lost or stolen, please call our toll free number 800.347.9222. You will be prompted to select “report my card lost or stolen” from the menu options.


Tip: Create a budget and slash expenses

If you just can’t wait to get away, create an exacting budget and stick to it. Then start eliminating monthly costs that add up quickly. Cut the cable. Cancel the memberships. Eat out less, plan out meals, and never go to the grocery store hungry—all standard stuff.


I’m planning on traveling outside of the country. Are there any fees for using my credit card overseas?

Solarity does not charge you any fees for using your debit/credit card outside of the US. However, Visa will charge 1 percent of the international amount transacted.


My debit/credit card expires at the end of this month. When will I receive a new card?

Debit and credit cards are good through the last day of the month the cards expire on. For example, if your card’s expiration date is 01/20, the card will work through January 31, 2020. Generally, you should receive your new card on the third week of the month in which the current card expires. If you haven’t received it by then, please stop by one of our locations or call us at 509.248.1720 or toll-free at 800.347.9222 so we can help locate your card.


What credit bureau do you use for loan applications?

We use Equifax credit bureau information.


When is my Visa credit card payment due? Is there a grace period?

All Visa credit card payments are due by the 25th of every month. There is no grace period on the Visa credit cards.


What are the fees for cash advances?

We don’t charge any fees for cash advances from credit cards and the interest rate doesn’t fluctuate.


How do I increase the limit on my Visa credit card?

You can apply for a new Visa today, on the phone, online or in any one of our locations.


Fraud and Scams

I think my computer has recently been hacked. What should I do to protect myself from fraud?

Please let us know so that we may place a hold on your online account to prevent any unauthorized access. We recommend you seek professional help to protect your computer.


How long do I have to dispute fraud on my account?

You may dispute fraud transactions on your account within the last 60 days. Anything further out than 60 days you will need to contact the merchant directly to resolve the issue.