CCU Secure Messaging

ACCOUNT 7

• Does Community Credit Union offer more savings products than a basic savings account?
• How can I transfer between multiple joint account numbers?
• How do I change my address?
• What is a joint account?
• What is an individual account?

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BUSINESS 7

• Does Community Credit Union offer business checking accounts?
• Does Community Credit Union offer business savings accounts?
• How do I set up a business account at Community Credit Union?
• What are the phone numbers to get information about applying for a Brevard County Occupational License?
• What documents are required to open a business account?

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DEPOSITS 6

• How long are my deposits held if I have a new account?
• Can I make a deposit at an ATM that is NOT a Community Credit Union ATM?
• How do I know how long the checks I deposited are going to be held?
• How much is available when I make a check deposit at a Community Credit Union ATM?
• How much is available when I make a check deposit at a different institution's ATM?

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HEALTH SAVINGS ACCOUNT 1

• What is a Health Savings Account (HSA)?

MEMBERSHIP 3

• How do I open a membership with Community Credit Union?
• If I leave Brevard County, can I still be a member?
• Who is eligible for membership at Community Credit Union?

STATEMENTS 3

• How do I sign up for eStatements?
• Is there a fee for paper statements?
• What is the cost for a copy of an account statement?

CHECKING 9

• Can I get a checking account if I have a charged off loan with the Credit Union?
• Does the Free Checking account earn dividends?
• If a check that I wrote cleared for a different amount than what I wrote it for, what do I need to do?
• What are the current dividend rates on checking accounts?
• What do I need to bring to open a checking account?

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DIRECT DEPOSIT 5

• Can I divide my pay among different accounts if I use direct deposit?
• How do I sign up for direct deposit?
• How will I know the amount that was withheld from my paycheck if I use direct deposit?
• What are the advantages of direct deposit?
• What types of funds can be deposited electronically?

INDIVIDUAL RETIREMENT ACCOUNTS (IRAS) 1

• Does Community Credit Union have IRAs (Individual Retirement Accounts)?

SAVINGS 5

• Do you have special savings programs for children?
• How much money is required to open a membership (share) savings account?
• I am trying to transfer money from my savings account online and I am receiving an error message. Why can't I transfer funds?
• What is a Membership Share account?
• What types of savings accounts does Community Credit Union offer?

TRANSFERS 6

• How can I transfer between multiple joint account numbers?
• How will I know when my recurring transfer has been completed from eBranch Online Banking?
• I have attempted to complete a transfer from my savings account to my checking account through eBranch Online Banking. Why will the system not complete my request?
• If another member transfers money to my account, or if I transfer money to another member's account, can they see my balance?
• May I set up recurring transfers to or from my account?

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CREDIT UNION 7

• How do credit unions differ from banks?
• How is a credit union governed?
• What does it mean to be a member/owner?
• What is a credit union?
• When did credit unions start?

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PHONE NUMBERS 5

• Does Community Credit Union have a number for loan inquiries?
• Does Community Credit Union have a toll-free number?
• What is Community Credit Union's main fax number?
• What is Community Credit Union's main phone number?
• What is the phone number for Telli, our automated phone banking system?

ROUTING NUMBER 1

• What is the routing number for Community Credit Union?

eBRANCH ONLINE BANKING 5

• How do I sign up for eStatements?
• Can I set up balance alerts?
• How do I change my address online?
• What is Direct Connect for Quicken® and QuickBooks®?
• How much history may I download from my account?

BILL PAY 13

• How do I pay someone new through bill pay?
• Who can be paid using the bill pay service?
• When can I start using the bill payment services?
• How are bill pay transactions reflected on my checking account?
• Can I cancel a bill pay payment?

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LOAN PAYMENTS FROM EXTERNAL ACCOUNT 6

• How can I pay my loan from an account I have at another financial institution?
• Can I create recurring payments for my loan with CCU?
• Can I pay my CCU loan using a credit/debit card?
• How long does it take for the payment to post to my account?
• Is there a fee for paying my loan online?

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CCU MOBILE APP 12

• What is the CCU mobile app?
• How does the CCU mobile app work?
• Is a password needed for the CCU mobile app?
• Is it safe to use the CCU mobile app?
• My session timed out pretty quickly, can I change the timeout value for the mobile app?

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MOBILE DEPOSIT 2

• What is mobile deposit?
• How do I register for mobile deposit services?

POPMONEY 16

• What is Popmoney?
• How does Popmoney work?
• When can I use Popmoney?
• Can I cancel a payment?
• Can I send money internationally?

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TEXT BALANCE 22

• Can I get the balances of all my accounts?
• Can I get a text when my primary account balance falls below a certain amount?
• What commands or keywords can be used with mobile text banking?
• Are the commands or keywords case sensitive?
• Can I change the primary account selection at a later time?

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DEBIT CARD 11

• I received my Visa debit card, but how do I get a PIN number?
• How do I handle a debit card dispute?
• How do I order a replacement VISA debit card during normal business hours?
• How do I report a lost/stolen VISA debit card?
• How many times can I use my debit card at an ATM before I am charged a fee?

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INSURANCE 15

• Does CCU offer credit life and credit disability insurance on any type of consumer loan?
• Does NCUSIF share insurance protect the interest of creditors?
• Does NCUSIF share insurance protection apply only if a credit union is liquidated?
• How does NCUSIF pay members their shares when an insured credit union is liquidated?
• How does NCUSIF share insurance protect credit union members against loss?

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GIFT CARDS 3

• Do you offer gift cards for purchase in the branch?
• Is there a dollar limit for purchasing gift cards?
• What are the fees associated with purchasing a gift card?

SAFE DEPOSIT BOX 3

• What size safe deposit boxes are available and what are the fees associated with renting th?
• What branch locations are safe deposit boxes available?
• When will I be charged for my annual safe deposit fee?

CASHIERS CHECKS 1

• What is a cashier's check?

CHECKS 6

• How can I get a copy of a canceled check?
• How long is a foreign check held?
• How much does it cost for a check/draft stop payment?
• What is a post-dated check?
• What is the cost for a check copy?

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FOREIGN CURRENCY 1

• Is foreign currency available through Community Credit Union?

MEMBER SOLUTIONS 1

• My checking account is going to be closed. Can it be prevented?

OVERDRAFT PRIVILEGE 3

• What is overdraft privilege?
• If a member is under the age of 18, can they apply for overdraft privilege?
• Why was I charged a fee if I have overdraft privilege on my account?

SAVINGS BONDS 18

• Do I need to have information displaying on the paper bond corrected? What if there is a misspelling, incorrect address, or incorrect social security number?
• How do I redeem my savings bonds?
• I noticed savings bonds are being sold through auction sites such as eBay, but I thought ownership was non-transferable. How does this work?
• I'd like to buy a savings bond as a gift. What if I don't know the owner's social security number?
• What are Patriot Bonds?

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CHECK ORDER REQUEST 4

• How do I order checks if I don't use eBranch Online Banking?
• How do I order checks online?
• What is the charge for checks?
• Why didn't I get my checks when my address is correct on the system?

COIN COUNTER 2

• Does Community Credit Union have a coin counter?
• What is the fee for using the coin counter?

GIFT CARDS 1

• Do you offer gift cards?

OVERDRAFT TRANSFER 2

• What is overdraft transfer?
• Is there a fee for using the overdraft transfer service?

CREDIT REPORT 11

• What is a credit report?
• What is a credit bureau?
• What is a credit rating?
• What is a credit report fee?
• How do I fix a mistake on my credit report?

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LOANS 13

• What type of loans does Community Credit Union offer?
• How do I apply for a loan?
• Can anyone get a loan from Community Credit Union?
• Can I have my loan payment deducted from my paycheck?
• Does Community Credit Union offer investment loans?

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BUSINESS LOANS 1

• Do you offer business loans?

CERTIFICATE OR SHARE SECURED 1

• What is a share secured loan?

CONSOLIDATION 1

• Does Community Credit Union offer consolidation loans?

CREDIT CARD 28

• What credit cards do you offer?
• After making my Visa credit card payment, how soon is the credit applied to my account?
• Are there cash advance checks that come with the Visa credit card?
• Can I apply for a credit card online?
• Can I get my credit card interest rate lowered and do you match other credit card issuer's interest rates?

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HOME EQUITY 5

• What is a home equity loan?
• If I already have a Home Equity Line of Credit (HELOC), how do I increase the amount available for me to use?
• What is a open end home equity credit agreement?
• What is an open end loan draw period for a home equity loan?
• What is the difference between a home equity loan and a home equity line of credit?

MORTGAGES 15

• How can I apply for a first mortgage loan?
• Does Community Credit Union offer "no down payment" loans?
• Does Community Credit Union offer property loans?
• Does Community Credit Union offer Veteran's Administration (VA) home loans?
• How do I know much house I can afford?

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PERSONAL LOANS AND LINES OF CREDIT 2

• What is a personal loan?
• What is an unsecured loan?

TERMINOLOGY 67

• What is a judgment lien?
• What are access limitations?
• What are debt-to-income ratios?
• What are payment and interest rate caps?
• What are third party charges?

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VEHICLE 10

• Can I lease a vehicle through Community Credit Union?
• Do you offer classic car loans?
• How do I determine the value of a used car?
• How many months can I borrow on an auto loan?
• How much can I borrow on an auto loan?

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COMPUTER SPECIFICATIONS 1

• How do I allow cookies on my browser?

FORGOTTEN PASSWORD FEATURE 2

• What is the Forgotten Password Feature (FPF)?
• Can I use the forgotten password feature, if I have locked myself out of eBranch Online Banking?

MULTIFACTOR AUTHENTICATION 7

• What is Multi-Factor Authentication (MFA)?
• Why is Multi-Factor Authentication (MFA) required for my online banking account?
• How does Multi-Factor Authentication (MFA) affect mobile app banking?
• How will Multi-Factor Authentication (MFA) affect my online banking experience?
• Does Multi-Factor Authentication (MFA) allow access to my accounts from another computer?

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ONE-TIME PASSCODE (OTP) 6

• How do I change my One-Time Passcode (OTP) settings?
• How long will a One-Time Passcode (OTP) remain valid?
• How many phone numbers and email addressess can I setup for the One-Time Passcode (OTP) options?
• What if I do not receive a One-Time Passcode (OTP) via text, voice call or email?
• What if I do not receive a text message with the One-Time Passcode (OTP)?

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