FAQ
Q. Are Securityplus FCU deposit accounts NCUA insured?
A. Yes! The National Credit Union Share Insurance Fund (NCUSIF), a division of the National Credit Union Association, insures all Security
plus FCU savings and investments accounts. Accounts are insured to an aggregate of $100,000. IRA's are insured separately to an additional aggregate of $250,000.
Q. How do I set up Direct Deposit of my payroll check?
A. If your employer participates in a direct deposit
program, simply contact the Security
plus FCU Call Center at 410-965-8908
(1-866-4SECPLUS, outside the Baltimore area) or visit a Member Service Representative
at any branch. Security
plus FCU will provide the routing and transit
number which your Human Resources or Payroll department will need to process
the direct deposit. Your direct deposit will usually begin within thirty
days.
Q. How do I set up Direct Deposit of my Social Security check?
A. First, contact the Security
plus FCU Call
Center at 410-965-8908 (1-866-4SECPLUS, outside the Baltimore area) or visit
a Member Service Representative at any branch to obtain the routing and
transit number. Next, contact the Social Security Administration at 1-800-SSA-1213
and provide them the following information: your SSN, the name on your check,
your account number at Security
plus FCU, and Security
plus
FCU's Routing and Transit number. The SSA will mail you a notice before
your Direct Deposit begins.
Q. Can I get information about my account by phone?
A. Yes! ResponseLine is a no-cost automated response service that offers safe and accurate management of your Credit Union accounts. ResponseLine is available 24 hours a day, 365 days a year. To reach ResponseLine, call 410-965-8908, or 1-866-4SECPLUS (outside the area) and select option # 1.
For personal assistance, our Call Center staff can help you with account
inquiries, transactions, and even loan applications. The Call Center is
open from 7:30 am until 5:00 pm, Monday through Friday, and from 9:00 am
until 1:00 pm on Saturday (deposit calls only). The Call Center number is
410-965-8908, or 1-866-4SECPLUS.
Q. What products can I apply for online?
A. Currently, you may apply for most loans online.
Check the Products &
Services page for updated information.
Q. Can businesses have accounts at Securityplus
FCU?
A. At this time, Security
plus FCU does not
offer online accounts for businesses. We update our Products and Services
section as new accounts are offered so check back with us. If we don't have
exactly what you're looking for now, we may add it very soon! To see what
we currently offer,
check
out our Products & Services page.
Q. Does Securityplus FCU offer IRAs
online?
A. Currently, Security
plus FCU does not
offer IRAs online; however, you can easily request an IRA application via
the Security
plus FCU Call Center or through an e-mail. We are continually
updating the Products and Services section of this site so check back with
us soon! To see what we currently offer,
visit
our Products & Services page.
Q. Is interest paid on Securityplus FCU checking accounts?
A. Absolutely! You will earn dividends on your checking
account if you maintain a balance of $500 or more. All that is required
to open a Security
plus FCU checking account is a minimum deposit
of $50. If you want a checking account that pays a market rate of interest,
simply contact the Security
plus FCU Call Center at 410-965-8908
(1-866-4SECPLUS, outside the Baltimore area) or
visit
a Member Service Representative at any branch location.
Q. Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?
A. As long as you meet the qualifications for membership
described in our membership guidelines, which include a valid U.S. tax identification
number (Social Security Number), you may be eligible for membership in Security
plus
FCU. If you have questions, contact us. We'd like to hear from you.
Q. Can I do all of my banking with Securityplus
FCU?
A. Yes! Thanks to the convenience of Direct Deposit,
ATMs, 6 local branches, an NCO location, and e-Banking; everyday-banking
activities can be performed with Security
plus FCU.
Contact
us with questions about your financial needs.
Q. Can I look at all of my transactions at any time?
A. Yes! With e-Banking, you have access to your account
information 24 hours a day, 7 days a week!
Q. How frequently is my Securityplus FCU account information updated?
A. Security
plus FCU updates all customer
information at the time of transaction. Whether you access our e-Banking
site or visit our member service department, your account information is
updated immediately to reflect all account activity. NOTE: ATM transactions
may not appear on your account for two business days.
Q. Are wire transfers possible to and from my Securityplus FCU checking account?
A. Yes! Funds can be transferred to and from Security
plus FCU accounts by wire transfer or via ACH (Automated Clearing House) debits
or credits. Contact our Call Center at 410-965-8908 (1-866-4SECPLUS, outside
the Baltimore area) or
visit
a Member Service Representative at any branch for details.
Q. How do I make a deposit to my account from a remote location?
A. You can do most of your banking by using direct
deposit, Security
plus FCU ATMs or ACH (Automated Clearing House)
transactions. Security
plus FCU also offers a bank-by-mail service,
which allows you to mail non-recurring deposits.
Contact
us for details on a method that's best for you.
Q. What is the Securityplus FCU VISA® Check Card?
A. The Security
plus FCU VISA Check Card is a card that allows members to:
- Access their funds through ATMs and Point-of-Sale (POS) terminals
- Make purchases anywhere VISA® is accepted - it works like an electronic check.
- Make cash advances at any financial institution that accepts VISA
Q. What is the difference between the Securityplus FCU ATM card and the Securityplus FCU VISA Check Card?
A. The Security
plus FCU ATM card can be used at any STAR,
VISA®, PLUS, AMEX, Cirrus, Discover and Quest ATM for funds access or
at any STAR Point-Of-Sale terminal for purchases. The Security
plus FCU ATM card
can be used at any ATM or POS terminal, which displays the STAR, PLUS, VISA
or American Express logos. Cash withdrawals and POS purchases are up to
a limit of $510 per day.
The Security
plus FCU VISA Check Card can be used for funds access at any ATM displaying the STAR, PLUS, VISA, AMEX, Cirrus, Discover or Quest logo and for purchases at any merchant displaying the VISA logo. Purchases are for what's available in the member's checking account up to a maximum of $2,500 per day (includes overdraft protection options) or a 3-business day aggregate of what's available in the member's checking account, up to a maximum of $4,000. In addition, the Security
plus FCU VISA Check card can be used to perform all the transactions at Security
plus FCU ATMs that the current Security
plus FCU ATM Card can handle (withdrawals, deposits, inquiries, transfers, loan payments, etc.). At non-Security
plus FCU ATMs, the Security
plus FCU VISA Check Card can only be used for cash withdrawals and inquiries.
Q. Can I select my own PIN # for my Securityplus FCU VISA Check Card?
A. Currently, the STAR System, which processes the Check Card transactions, does not allow members to select their own PIN #. If this capability does present itself in the future, we will implement this change immediately.
