Membership Services
Membership Services Descriptions
Application Forms
Use the links below to access the membership and deposit account application section of the website. The online fill-in format of the application allows you to enter your membership and account information via computer, then print out the form(s) for signatures. Please sign, and deliver the completed application to the credit union along with the account deposit and any necessary membership deposit.
ATM Access
Members, and non-members, may conduct ATM/debit card transactions using the ATM (Automatic Teller Machine) located at the branch. The credit union provides convenient ATM access at no charge to members. When using an ATM at any other location, members of the credit union are subject to the fees and conditions of the establishment or financial institution providing the ATM. Non-members will be charged a $1.50 fee when using the ATM located at the credit union branch.
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 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 convenient and secure online service allows a member to make bill payments, including household and credit union loan payments, on a one-time or recurring basis. Using the credit union’s online banking service, CU… At Your Service!, the member retains full control over which bills to pay, and when they’ll be paid. Payments are made through automatic withdrawal from the member’s credit union savings or checking account.
Users of this service should allow 7-10 days for electronic bill payments to clear the account. There is no per item charge, just a flat fee of $4.95/month. This bill payment feature can be cancelled at any time with a 30-day notice.
Check Re-Orders
This service allows members to re-order checks directly from the check printing company without having to place the order through a credit union representative. Click on the logo to access the company’s website, or visit http://reorder.libertysite.com. Note: the Liberty website is a separate site governed by another firm's privacy policy.
Credit Card Payment Information
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Payment By Mail. The typical monthly billing statement will include a tear-away payment stub containing your account and balance information, and all the information you need to properly submit your payment by mail. Use the envelope that comes with your billing statement to simply return the stub, along with a check in the amount of your payment, to the address listed on the payment stub.
- eZ Card Online. This convenient online service is available using your computer and a specially designed secure website. With the eZ Card website, you can make credit card payments and get up-to-date information on your VISA account activity 24 hours a day, 7 days a week. You may access the eZ Card website directly at https://www.ezcardinfo.com. 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.
- Pay-By-Phone. The pay-by-phone method allows VISA credit cardholders to make a payment to their credit card balance over the telephone. When calling this service, you will be greeted by a live operator who will assist you with your payment. Cardholders attempting to avoid late charges find this to be a convenient alternative payment option. The cost for this service is $5 for each pay-by-phone payment posting to a cardholder’s account. This service will only allow funds to be drawn from a personal or company checking account, and there is a limit of one payment per processing day.
Of course, members requiring help with any of the above methods are welcome to call or visit our branch office.
Credit Reports
It is a good idea to check your credit report to be certain about the status of your credit record. Some creditors may report to only one of the major credit reporting bureaus, while other creditors may report to all three bureaus. In order to get an accurate picture of your credit, you may consider order your credit report from all three bureaus—Equifax, Experian, and TransUnion.
Equifax 1-800-685-1111
Experian 1-888-397-3742
TransUnion 1-800-888-4213
A federal law known as the Fair Credit Reporting Act (FCRA) allows you to obtain a free credit report every year. The U.S. Federal Trade Commission (FTC) has information on the law, and how to obtain a free credit report. Additionally, if you have been denied credit, you have the right to receive a free copy of your credit report, and each of the three credit reporting agencies will provide you with a free copy if you have been declined within 60 days. Use the contact information below to get more information and order your free credit report. The U.S. Federal Trade Commission functions as the nation's consumer protection agency.
Contact Information:
Online: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm
Mail: Annual Credit Report Request Service, P O Box 105281, Atlanta GA 30348-5281
Call: 1-877-322-8228
Debit Card
Make purchases at retail locations that accept MasterCard, and access your funds and account information at ATMs nationwide. In addition to cash withdrawals and account inquiries, members can make deposits at our branch ATM location.
Lost or Stolen Cards
Call 1-800-754-4128 to report problems with your debit/ATM card. When calling this toll-free number you will be reaching the Card Services Center provided by the Co-Op network, our debit card partner.
Daily Withdrawal Limits (provided the funds are available in the account)
- $1,500 per day at merchant or retail locations when signing for purchases
- $510 total in cash withdrawals or purchases per day at ATMs or other PIN-based terminals.
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Transaction Limits
- 10 ATM (or other PIN) transactions per day, and 10 signature transactions per day.
Card Networks- Use our debit and ATM-only cards where you see Cirrus, CO-OP, and Star logos. Additionally, the debit card can be used where you see the MasterCard logo.
Limited Overdraft Coverage- Our debit card offers you the same limited overdraft coverage as qualified checking accounts. Click on the highlighted section of this sentence to locate the link to the credit union's overdraft coverage policy.
NOTE: "ATM-only" cards are also available for members who want the convenience of an ATM card without the purchase transaction benefit of a debit card. The ATM-only card provides access to a maximum of $510 in cash withdrawals per day at ATMs (provided the funds are available in the account), and 10 ATM transactions per day.
Direct Deposit
Direct deposit can eliminate delays associated with payroll checks and teller lines by having payroll earnings directly deposited into a credit union account on payday. Talk with your employer about setting up this convenient payroll deposit service. Enrollment is required.
Financial Education
Wilson Community Credit Union, together with Self-Help, is partnering with the Balance Financial Fitness Program to provide free financial counseling and education services to our members.
Take advantage of the many services offered by Balance. We recommend and approve of the services provided by Balance to help our members achieve greater financial fitness. Note: the Balance website is a separate site governed by another firm's privacy policy.
Go Direct - Social Security Direct Deposit
If you are a senior citizen, or a person living with a disability, and you receive Social Security, Supplemental Security Income (SSI), or any other federal benefit check, then Go Direct is for you.
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.
Loan Calculators
Use the loan calculators provided by our financial counseling partners at Balance to figure out how much you can afford to pay for a home or personal loan.
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 Line of Credit or Transfer
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. Overdraft lines of credit are issued in an amount greater than the NSF amount to be covered by rounding up to the nearest $50. 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 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. Access to your account is password protected for your security.
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