Fedchoice Federal Credit Union - Altogether Better

 

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Checking

eServices

Credit/Debit Cards

Regulations

Fraud

Questions & Answers

General

What is FedChoice ABA Routing Number?

FedChoice ABA Routing Number is 254074785

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Do I need all the numbers in the A/C # (Account number) for Direct Deposit - Prefixes included?

 

Yes.  Your complete FedChoice account number is ten (10) digits even though your “base account number” can be as many as six (6) digits.  The first four (4) numbers correspond to the type of account where the funds are to be deposited/withdrawn (see below).  The next six (6) digits are your “base account number”.  If it is less than six digits, enter zeros in front of your base account number. 

 

Main Share Account                                                 1000 ___-___-___-___-___-___

Holiday Club Account                                              1050 ___-___-___-___-___-___

Premium Checking Account                                     1080 ___-___-___-___-___-___

Money Market Account                                             1090 ___-___-___-___-___-___

Free Checking Account                                            1150 ___-___-___-___-___-___

eChoice Account                                                      1160 ___-___-___-___-___-___

 

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What is an ABA Routing Number?

The routing number is used to identify which financial institution is associated with a particular account. It consists of a nine-digit number that often comes before your account number at the bottom of your checks.

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How do I download transactions to Quicken®?

 

To download your transaction history to Quicken, please follow the instructions below. Please note that the instructions below are for Quicken 2009 and may be different for other versions.

  1. Open the Quicken application on your desktop.
  2. Click on Online menu item and then One Step Update.
  3. Clear all options (uncheck all items) in the One Step Update dialog box and then click Update Now.
  4. If a software update is available, then you will be prompted to apply it now. This will also ensure that the financial institution listed in your Quicken application is up to date.
  5. When the update is complete, restart Quicken.
  6. Click on File menu item and then New.
  7. Select New Quicken Account from the dialog box and click OK.
  8. Select Checking or Savings and click Next. Don't worry! You will be able to add all FedChoice accounts in the next step.
  9. From the list that appears select FedChoice FCU and click Next.
  10. Select Yes, connect to FedChoice FCU through Quicken (recommended option) and click Next.
  11. Enter the same username and password that you use for your FedChoice Online Banking account and click Next.
  12. Confirm the rest of the options. When you are finished, your transaction history will be downloaded to your Quicken application.

To update or add new transactions from your FedChoice accounts, you can simply select One Step Update from now on.

For additional support, please visit http://quicken.intuit.com/support/

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What's the difference between internal transfers & external transfers?

Internal transfers are when you transfer money between FedChoice accounts.  External Account Transfers is when you transfer funds between FedChoice accounts and other financial institutions.

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Checking

How do I order checks?

 

If you are ordering checks for the first time (you have never ordered checks before for this account), please contact us using the following instructions and we will order the checks for you.

  1. You may call us or use the online channel. If you choose to use the online channel, please continue to step 2.
  2. Log into your eBanking account.
  3. Verfiy if your address is current by clicking on the My Info tab.
  4. Click on My Accounts tab and then click on the [Help & Support] link, and then the [Secure Mailbox] link. From your Secure Mailbox send us a message with the following information:
    • Basic style or a custom specific style. 
    • Personal Information to be included on the checks (address, phone number, etc).

If you are reordering checks, please follow the instructions below to reorder checks yourself.

  1. You will need FedChoice ABA Routing/Transit Number and your full 10 digit account number. Note that the full 10 digit account number is unique for different accounts such as checking, money market, etc. If you are unsure of what these are please visit the Related FAQ's below. If you are having trouble using this channel, you call always contact us and we will order the checks for you.
  2. Visit the check reorder link by clicking here, and then click on [Reorder Checks]. Then follow the instructions to complete your check reorder.

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How can I view cleared checks?

 

There are two ways to achieve this:

  1. This option is more suitable if you know the check number or the range of check numbers that you wish to inquire upon – From My Accounts page click on your checking account (or the account against which the check was written), then click on Account Options. Verify Check Clearing option on this page allows you to inquire on previously cleared checks.
  2. This options is more suitable if you just have a date range and don’t remember the check numbers – From My Accounts page click on your checking account (or the account against which the check was written), then click on Transaction History. Specify a date range, check Checks Cleared and click on Submit. All your cleared checks between the specified dates will be listed.

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eServices

How can I get access to eBanking?

If you are a first time user, go to fedchoice.org. Click on “Need Assistance Logging In?" within the fedchoice online login box. Then follow the onscreen instructions to set-up your username and password. This procedure is the same for first time users as well as when you forget your username or password.

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How do I select or change my username for eBanking?

From the home page of FedChoice (fedchoice.org), click on the “Need Assistance Logging In?" link in the fedchoice online login box. Then follow the onscreen instructions to change your username or password.

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Credit/Debit Cards

How do I view the number of VISA® Platinum rewards points and reward options that I have earned?

 

Please go to the Scorecard Rewards website to view the status of your rewards and points earned - Visit scorecardrewards.com.

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What are the hours of operation for the Scorecard Service Center?

The Service Center hours are 9:00 AM – 11:00 PM Eastern Standard Time, Monday thru Friday.

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Can I earn points when I transfer a balance onto my VISA® Platinum credit card?

No reward points are earned on balance transfers.

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If I have questions about my Scorecard bonus points, who should I call?

You may contact the Scorecard Service Center at 800.854.0790.

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Regulations

What is Regulation D?

 

Share Savings Transfer Limits

Like all U.S. financial institutions, FedChoice Federal Credit Union complies with Regulation D, the U.S. Government Securities and Exchange Commission's regulation limiting transfers and withdrawals from member’s share savings accounts.

Per Regulation D - Members are limited to six (6) transfers and withdrawals per calendar month from any share savings account (including Club Accounts and Money Market), to any other account or third party. After reaching the limit of six (6) transfers or withdrawals, subsequent transactions will be denied.

Please note that certain transaction types are limited to no more than three (3) of the six (6) transfers/withdrawals per month from your savings account. This includes checks written to a third party and applies to transactions executed with an ATM/Debit card as well as other types of electronic transactions.

This regulation applies only to certain types of share savings transactions.

Regulation D does not apply to withdrawals or transfers from checking accounts.

Affected Share Savings Transactions

Up to six (6) withdrawals or transfers permitted per calendar month - but no more than three (3) of the six (6) can be by check, debit card, or similar payment vehicle payable to a third party - when:

  • Made for transfer to the member’s other account(s) at the credit union or to a third party and initiated by preauthorized, automatic, or bill-payment arrangement (including ACH, EFT, and transfers to cover overdrafts)
  • Made to another account of the member at the credit union and initiated by telephone, fax, or personal computer (PC)
  • Transfers made through home banking
  • Made payable to a third party and initiated by online chat, telephone, fax, or PC
  • Initiated by fax

Unlimited withdrawals permitted when:

  • Made in person at the credit union
  • Made by a mailed letter request
  • Made by a check payable to the accountholder, mailed to the accountholder and initiated by telephone, fax, or PC
  • Made using an ATM

Unlimited transfers permitted when:

  • Made between the accounts of the same member AND made in person, by mail, or at an ATM
  • Made by the member to pay a loan the member has with the credit union

We suggest you do not set up ACH automatic debits with merchants or service providers by giving them your account number to come out of your savings account. Set ACH withdrawals to come out of your checking account, which is not subject to this regulation.

Plan ahead and make one large transfer instead of several small transfers. Each Regulation D transfer counts as one transaction, no matter what the amount. You may utilize an ATM to transfer funds between your accounts to avoid Regulation D.

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If I have reached my Regulation D limit and still need to transfer funds, how may I do that?

You can contact our Financial Advisory Center by calling 1.800.969.6151, send us a secure email, start a chat session or visit one of our Financial Service Centers.

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If an account used for Overdraft Protection has reached its Regulation D limit, will overdraft requests be honored?

No, if the Overdraft Protection account is a Savings Account. In that case, you will receive a notice by mail and incur an Insufficient Funds charge for every overdraft attempted beyond your monthly limit. However, if the Overdraft Protection account is a Line-of-Credit loan (which is not affected by Regulation D) the overdraft will complete normally.

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Fraud

Why did I receive an automated phone call informing me that my credit card/debit card/ATM card/account has been suspended when I don’t have an account with FedChoice?

You may have been the target of a vishing attack. If you do not have an account with FedChoice, you happened to be targeted by a scammer. We are sorry that you were contacted, and rest assured when we are notified about this happening, we take every step possible to stop the communications. FedChoice will never contact its members or non-members by phone or email to request personal or account information, such as credit card number(s), social security number(s), account number(s), etc. FedChoice does not contact non-members nor do we request this information over the phone or e-mail.

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Why did I receive an email informing me that my credit card/debit card/ATM card/account has been suspended when I don’t have an account with FedChoice?

You may have been the target of a phishing attack. If you do not have an account with FedChoice, you happened to be targeted by a scammer. We are sorry that you were contacted, and rest assured when we are notified about this happening, we take every step possible to stop the communications. FedChoice will never contact its members or non-members by phone or email to request personal or account information, such as credit card number(s), social security number(s), account number(s), etc. FedChoice does not contact non-members nor do we request this information over the phone or e-mail.

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Why did I receive a text message informing me that my credit card/debit card/ATM card/account has been suspended when I don’t have an account with FedChoice?

You may have been the target of a smishing attack. If you do not have an account with FedChoice, you happened to be targeted by a scammer. We are sorry that you were contacted, and rest assured when we are notified about this happening, we take every step possible to stop the communications. FedChoice will never contact its members or non-members by phone or email to request personal or account information, such as credit card number(s), social security number(s), account number(s), etc. FedChoice does not contact non-members nor do we request this information over the phone or e-mail.

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