Frequently Asked Questions

Yes, your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government. The credit union provides up to $250,000 more in private insured coverage through Excess Share Insurance Corporation (ESI) for a total up to $500,000.

You can also structure your accounts for more coverage and we recommend visiting the following pages for more information: https://www.mycreditunion.gov/insurance-estimator and https://www.excessshare.com/how-does-excess-insurance-coverage-work/.

Yes, we offer savings and checking for Sole Proprietor, General or Limited Partnership, Corporation, and LLC business types.

In addition to the traditional primary savings account, we offer secondary (special) savings, holiday savings, money market savings, IRA savings and share certificates.

To open an organizational account, please visit a branch with all the signers present during the account opening. You will need to provide the following documentation:

• A letter, on USF letterhead, from the Center for Leadership and Civic Engagement stating that the organization is affiliated with USF.  The letter must list all officers needing to be placed on the organizational account as authorized signers.  
• A copy of the organization’s meeting minutes, identifying the persons authorized to be signers on the account.
• A letter from the IRS stating the Tax Identification Number or Employee Identification Number.

You can add or remove a joint owner by either calling member services or visiting a branch. To add a joint owner to your existing account in a branch, they must be present with a photo ID. If you are adding the joint owner over the phone, we will need a copy of their driver’s license, a valid email address for both of you, and we will need to speak to them to complete a membership application to add them to the account.

Your account numbers and member number should be listed on the welcome letter that you received with your account opening documents. You can also find your account details within digital banking under the Accounts option, select the account, and then click on the Account Details tab. If you need help, please contact us.

You may easily update your address, phone number(s), and email address through digital banking. Once you have logged in, select the Settings option, and then click the Contact tab. If you have any difficulty, you may also call us or stop in one of our branches and we can update your contact information.

Please initiate direct deposit through your employer or the originator of the direct deposit. You will need our routing number (263183159) and your full account number. To find the account number you will use for direct deposit, log into digital banking, select the Accounts option, choose the account (checking, savings, etc.) that you direct deposits will be going into, and go to Account Details.

Additionally, you may instruct your employer to split your payroll direct deposit between different accounts if they allow. You may also set up automatic recurring transfers within digital banking to coordinate with your payroll.

There is no fee when using a USF CU ATM or any of the 30,000 CO-OP Network ATMs across the US.

If you use an ATM outside of our fee-free ATM network, you will be assessed a surcharge. Please see our Fee Schedule for the current charge.

You may close your membership with our credit union in person at one of our branches and by mail, email, or fax. We request a signed, written notice of the closure and a legible copy of an unexpired, government issued ID. Account closure requests may also be submitted as a secure message through digital banking.