1.
How do I apply for a loan?
First time
borrowers need to complete an "Open-End Credit Plan Agreement"
and a Loan Application. Both can be obtained through your on-site
representative, or call the credit union and we will be happy
to mail one to you. Subsequent loan requests require an update
form that can be faxed, or in some instances we can take the
information over the phone.
2.
How long do I have to be a member before I can apply for a loan?
You may apply
for a loan as soon as you become a member. There are no membership
time requirements for loan qualifying.
3.
How do I add/remove a joint member to/from my account?
To add a
member you will need to complete a new signature card, which
you and the joint member sign where indicated. To remove a joint
member, all joint members of the account need to agree to the
removal, or the account can be closed and remaining joint members
may open a new account.
4.
How do I change my payroll deduction?
Payroll deduction
is an agreement between you and your employer. Payroll deduction
change forms are available from your employer and should be
filed with them. When changing deductions, remember to indicated
the total amount you want deducted from your check and forwarded
to the credit union.
5. Direct
Deposit Questions
1.
Why should I use Direct Deposit?
- Safe
– Your paycheck is protected against loss or theft.
- Worry-free
– Now you can be assured that your check is deposited,
even when you're away from home.
- Saves
time – You no longer have to make special trips to
the credit union or stand in long lines on payday.
- Convenient
– No more waiting for the mailman. Your deposits will
be made for you automatically, allowing you to set your
own timetable for getting cash.
2.
How do I apply?
- Our
Member Service Representatives have all the necessary forms.
If you wish, they will be happy to fill them in for you.
All you have to do is tell them how you want your money
distributed and sign your name. Members United Credit Union
will take care of everything else.
3.
How will I be able to keep track of my money?
- Your
check stub from your paycheck is your permanent record.
Or with Audio Response
system you can check your balance at any time.
4.
Is there a charge for this service?
- This
service is free to all participating Members United Credit Union members.
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