ATM Cards
ATM cards allow you access to your accounts via Automated Teller Machines (ATMs) all over the world! You can withdraw cash, transfer funds, and check your account balances by using your ATM card and your Personal Identification Number (PIN). The withdrawal limit for an ATM card is $500 over a three day period, or $250 if the ATM system is offline for any reason. Fees for overdrafting your account due to misuse of your ATM card are $20 per transaction. For surcharge-free ATMs, go to
http://www.co-opfs.org or call toll free (888) 287-9415.
Audi: 24-Hour Teller
Audi Telephone Teller is the credit union's free, unlimited telephone access service that gives you current information on all of your credit union accounts 24 hours a day, 7 days a week!
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Check account balances.
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Confirm last deposit amount and date.
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Find out what checks have cleared.
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Confirm ATM and POS withdrawals.
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Transfer funds among your accounts.
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Obtain loan information.
No matter where you are, if you have a touch-tone phone, you
have access to your account information. To reach Audio 24-Hour
teller, dial (906) 475-0172.
Debit Cards
Our Debit Card program is through MasterCard. A debit card works like an ATM card, but with the added benefit of allowing you to make purchases at stores where MasterCard is accepted. You must have a share draft (checking) account in order to obtain a Debit Card. When used to make purchases, the purchase amount is automatically withdrawn from your checking account. If there is not enough money in your checking account to cover the purchase, it will be declined. If, however, there is an overdraft due to an ATM or merchant terminal being offline, there will be a $20.00 fee. There is a withdrawal limit on Debit cards of $1,000.00 for purchases/withdrawals over a three day period; $500 if the ATM/Debit card system is offline for any reason. For surcharge-free ATM’s, go to
http://www.co-opfs.org or call toll free (888) 287-9415.
Home Banking
Enroll for free 24/7 account access online. Here are some of the activities you can manage when it’s convenient for you:
- Check account balances and transaction history
- Perform account transfers
- Reorder checks
- View copies of checks
- Make credit union VISA credit card payments
- Make credit union mortgage payments
- Schedule automatic transfers between accounts or for loan payments
- Access a variety of financial calculators
- Submit loan applications
- Download account history to Microsoft® Money
Follow these simple steps to ensure trouble-free access:
E-Statements
NetBranch users can receive their monthly and quarterly statements via NetBranch for access anytime. Here’s how to enroll:
- Make sure you are enrolled in and logged onto NetBranch
- Enroll in E-Statements by clicking the E-statements information on the left side of the page
- You will automatically receive your statements through NetBranch at the beginning of each month (you will not receive statements through the mail after enrolling in E-statements)
- You can un-enroll by contacting a Member Service Representative
at any time
Shared Branches
Members credit unions of the
Co-Op network work together to benefit our members. You
can go to any of these Co-Op credit unions and do transactions
as if you were at one of our branches! Go to
http://www.cuservicecenter.com/ to find one of the over
3,100 shared branches near you!
VISA Cards
Our Visa Card program is currently offered by InfiBank. By allowing InfiBank to handle the Credit Union Visa Program, we are able to offer you lower rates. InfiBank also allows us to give you an online solution to managing your credit card transactions and payments. Access your Visa card online.
Wire Transfers
SIRCFCU can wire funds from your account to another financial institution on all regular business days, as long as we receive the request before 4 p.m. Prior to your request, you will need to obtain the Routing and Transit number, address and phone number of the financial institution, as well as the account number, type of account (savings or checking) and account-holder’s name on the account at the receiving financial institution. Not all financial institutions accept wire transfers, so be sure to check with the receiving financial institution before submitting your request.
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