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Membership
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Accounts
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- Is it possible to transfer funds from my FNCU checking account to another account outside of FNCU? If so, how long does the transfer take?
- How do I send money to a checking account using a debit card from a different credit union?
- How do I withdraw money from my account? I do not have a debit card or checks.
- How do I get my Christmas Club Savings Account money?
- I don't live near a branch. How can I do my banking with you?
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- How do I check my balance?
- How do I know when my deposit will be available?
- What should I do if I have a negative balance in my checking account?
- What is the difference between account balance and available balance?
- How do I get my Christmas Club Savings Account money?
- I don't live near a branch. How can I do my banking with you?
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- Where do I go to find my account information?
- How do I change my address?
- How do I update my email, phone number, or other information?
- What are the requirements for your checking accounts?
- I switched from one FNCU checking account to another. Will my current Debit Card or ATM card number change?
- Why was my transaction declined?
- How do I add a power of attorney to my account?
- Do I need to provide a death certificate when someone in my family passes away, who has an account with you?
- Can I re-open a closed membership?
- How can I inquire about a family member or loved one who is deceased?
- What is my suffix number?
- Where can I find the fee schedule?
- How do I add/change a beneficiary?
- Is a member number and account number the same thing?
- How do I get my Christmas Club Savings Account money?
- I don't live near a branch. How can I do my banking with you?
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Online/Mobile Banking
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- How do I set up a payee in Bill Pay?
- When will my Bill Pay funds be taken out of my account?
- How do I know if my Bill Pay payment was processed?
- Can I set up bills to be paid automatically?
- Can I use Bill Pay to pay an FNCU loan or credit card?
- Can I cancel or edit a Bill Pay payment?
- How do I pay my bills online?
- Can I use Bill Pay with the mobile banking app?
- Do you offer Bill Pay?
- How do I start using Bill Pay?
- How do I add a payee in Bill Pay?
- How do I set up automatic/recurring online bill payments?
- How much does it cost to use Bill Pay?
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- How do I change my password?
- I forgot my password. How do I reset it?
- How do I change my confidence word when I log in?
- How do I add or change my account nicknames?
- How do I log into Online/Mobile Banking?
- How do I enroll in Online/Mobile Banking?
- How do I check my transaction history?
- How do I change my username?
- Can I log into the mobile app using Touch ID/Fingerprint or facial recognition?
- Can I view check images on my phone?
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- How many checks can I deposit using remote check deposit?
- When will funds from remote check deposit be available?
- What happens if I mistakenly deposit the same check twice?
- Are there limits to how much I can deposit?
- What should I do with checks after they have been deposited?
- If I discover I’ve entered an incorrect amount for a deposited check, should I redeposit it?
- What if a check deposited in remote check deposit is fraudulent?
- How do I endorse a check for mobile deposit?
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- Can I transfer funds between FNCU and an account at another financial institution?
- How long will it take for an external transfer to be received?
- How do I transfer money to another person?
- How do I transfer money to another FNCU member?
- How do I set up a recurring transfer?
- I don't live near a branch. How can I do my banking with you?
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ATM and Debit Cards
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- What is the difference between a debit card and a credit card?
- How do I activate my Debit Card?
- Do you offer digital wallet options?
- Can I get a replacement card same-day?
- My debit card won’t work. What number do I call if it is a weekend?
- Is there a daily purchase limit on my FNCU Debit Card?
- How do I change/set my PIN?
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Loans
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- How do I pay off my loan?
- How can I setup automatic payments for my loan?
- How do I pay my mortgage?
- What is escrow?
- What is Make a Payment?
- What is GAP coverage?
- How do I make a loan payment?
- How do I request a loan payoff letter?
- What is my loan payoff amount?
- I finished paying off my loan, now what happens?
- What happens if I am late on my loan payment?
- I want a stop payment on a payment. How do I do that?
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- What is DocuSign?
- What is escrow?
- Do I have to come into a branch to apply for a loan?
- What is GAP coverage?
- Do you offer vehicle warranties?
- How can I access funds or request an advance from my HELOC?
- Is there a limit to how much I can draw from my HELOC?
- How long does it take to process a HELOC advance via check or online?
- How can I qualify for a loan?
- How do I check the status of my loan application?
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Helpful Information
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- What documents do I need to open a youth account?
- What documents do I need to apply for a credit card?
- What documents do I need to apply for a home equity loan?
- What documents do I need to apply for a home loan?
- What documents do I need to apply for an auto loan?
- What documents do I need to open a checking account?
- What documents do I need to become a member?
- What documents do I need to open a savings account?
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Locations
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- Where are you located?
- What are your hours?
- What is Shared Branching?
- Where are your Shared Branching locations?
- What is the mailing address?
- I don't live near a branch. How can I do my banking with you?
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Resources
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Credit Cards
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- What is the difference between a debit card and a credit card?
- Are you able to help with credit card consolidation with poor credit?
- How do I apply for a credit card?
- How do I set up a credit card alert?
- Can I use my credit card when traveling?
- How does my credit score affect my loan or credit card rate?
- How do I request a credit limit increase on my credit card?
- Where can I learn more about my credit card benefits?
- Do you offer a credit card rewards program?
- How do I close my credit card?
- How do I establish credit?
- Do you offer credit card balance transfers?
- How do I activate my credit card?
- How do I change my name on my credit card?
- How do I view my Credit Card history/pending transactions?
- What happens if my credit card expires?
- My credit card PIN is not working. What should I do?
- What types of credit cards do you offer?
- Is there a pre-set spending limit for the FNCU credit card?
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← All Topics
What is the difference between account balance and available balance?
Your account balance is the total amount of money that is currently in your account, including all funds engaged in holds and pending transactions.
Your available balance is the total amount of money in your account that is accessible for purchases and withdrawals. This number does not include held or pending funds. Your Savings account will show that $5 is unavailable because it is held as your share amount for being a credit union part-owner.
Please note: available balance does not account for checks that have not been cashed or deposits which have yet to post.
Overdraft fees are determined using your available balance.
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