Frequently Asked Questions
Quickly and easily find answers to the most common questions we get asked.
You can delete a payee within online banking and mobile banking. Please note: When you delete a payee, your history for that payee will still be available within the Pay Bills option – History tab.
To delete a payee in online banking, select the Pay Bills option and click on the payee that you would like to delete. Next, select the Manage tab and scroll down toward the bottom of the screen. You should have a Delete Payee icon.
To delete a payee in mobile banking, select the Pay Bills option from the app menu. On the following screen, click the Add and Manage Payees option, select the payee you would like to delete, and then hit the trash icon.
Additionally, you should have an option to deactivate the payee. This may be helpful if you do not want to entirely remove the payee, but you also do not want to see it listed as one of your active payees.
To view scheduled payments in online banking, select the Pay Bills option and then click the Scheduled tab. You should have a trash/delete icon and a pencil/edit icon next to the scheduled payment(s). The trash icon allows you to cancel the payment and the pencil icon allows you to update the amount of the payment.
To view scheduled payments in mobile banking, select the Pay Bills option and then click the Scheduled Payments option. Under the Scheduled section, you can click on the payee to edit the amount of the payment or select the Delete Payment button.
On a recurring/automatic payment series, you do not have the ability to edit the pay from account, frequency, starting date, ending date, etc. You can either contact us to make changes on your behalf, or you can delete the payment series and re-add it with the correct details.
Your credit card statements are located within the Statements feature in digital banking. You should have a separate, Credit Card tab.
To view your mortgage information, you must select the Mortgage option in digital banking. Once you click on the Mortgage option, you will be brought to our mortgage website where you can view your mortgage details and schedule payments.
To schedule a bill payment in online banking, select the Pay Bills option. From the Bill Pay Dashboard tab, click on the proper payee and follow the prompts under the Make a Payment tab.
To schedule a bill payment in mobile banking, select the Pay Bills option. Click on the Make a Payment option, select a payee, and follow the prompts.
Please note: Our bill pay cutoff time is 2 PM EST. If your payment is scheduled after 2 PM EST, it will go out the following business day. Also, if the payment is scheduled on a Friday, the payment will not be sent out until the following business day.
We offer standard overdraft practices (i.e., Convenience Pay) for eligible members. With Convenience Pay, we may authorize and cover insufficient funds transactions, instead of returning the item. Please note: There is a fee per covered transaction. Convenience Pay Plus will extend overdraft coverage to ATM and debit card transactions. You must opt-in for Convenience Pay Plus coverage. Learn more here.
You may elect other overdraft protection coverage, such as linking to a savings account or line of credit. In that case, we will attempt to cover NSF transactions by transferring from your linked account.
Our checking accounts have no monthly maintenance fees, debit card usage fees, or below balance fees. There may be fees for optional services associated with your account, such as charges for ordering checks, requesting a stop payment, or overdrawing your account. Please review our Fee Schedule for more details.
Please note: There is a $5 monthly savings fee that applies if you are 25 or older, have no loan(s), and an aggregate average daily balance of less than $300 in all your share accounts.
Yes, but you will need to contact us prior to traveling overseas. Our fraud monitoring technology may decline attempted transactions that are outside of your normal activity, like international purchases, unless we are aware and have made notes to your account regarding your travel destination and dates.
Please reach out to our member service representatives as soon as possible. The representative will go over your recent transactions and assist you further.
If we determine that your card has been compromised, we will block your current debit card, issue a new one, and email/fax you the fraud paperwork to complete. Once you complete and submit the fraud forms, our card services department will provide you with provisional credit within 10 business days.
Additional fraud tips:
- Be careful using your debit card at gas pumps, vending machines and in isolated locations since there is a greater likelihood of “skimmers” that steal your card information. Also, use caution when entering in your card information online, especially within unfamiliar websites.
- Set up balance change/transaction alerts through digital banking. This will allow you to act more quickly and prevent further losses.
Prior to contacting our credit union, you must reach out to the merchant to see if they are willing to assist you or provide a refund. If the merchant is unwilling to help or suggests that you dispute the charge with your financial institution, please contact us and we will be able to assist you further. If it is more convenient, you may also stop by any of our branch locations or dispute the transaction through digital banking.
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