Frequently Asked Questions

Please visit our website to apply. If you are already a member, you may apply within digital banking. As another option, you may apply in person at one of our branches with a loan officer. To avoid lobby wait times, our online application is a helpful tool and you may always reach out to us with any questions or concerns.

Please select the Manage Cards widget in digital banking and click on your Visa card. If your card has not been registered yet, please complete the registration first.

Within the Manage Cards widget, you should have a Balance Transfer option. Click the gear icon next to it to display all the Balance Transfer fields and complete the required fields (ex. card issuer name, account/card number, an address for the card issuer, and the balance transfer amount). Accept the disclosure box and click the Submit button. The payment should be received by your other financial institution within 3-12 business days.

Please select the Manage Cards widget in digital banking and click on your Visa card. If your card has not been registered yet, please complete the registration first.

Within the Manage Cards widget, you should see your Visa Rewards point near the top of the screen. Please visit the CU Rewards website: www.curewards.com to redeem your points. If you have any trouble logging in to your account, please call 800.637.7728.

Please contact us by phone. You may also stop by one of our branch locations to complete the authorized user request form or have it emailed/faxed to you.

Please note: Authorized users can make purchases and obtain a card, but they are not subject to credit reporting and may be removed at any time by the primary owner on the account.

If you are paying with funds from your credit union savings or checking account, simply make a transfer to your credit card within digital banking.

If you want to pay your Visa from an external account at another financial institution, there are several options available:

• Link your external account in digital banking to allow transfers between your bank/credit union share accounts. After you have verified your external account by confirming the amount of the two trial deposits sent to your external account (this takes 2-3 business days to deposit), you will be ready to transfer money. Please note: External account transfers to a Visa take 3-4 business days to process. For instructions on linking an external account, please watch our tutorial video.
• Use the bill pay or funds transfer service offered by your other financial institution to send your payment.
• Make a payment in-person at any of our branches or a shared branch location.
• If you would like to set up recurring monthly payments from an external bank account, we can do this for you. You can choose to either pay the minimum payment, total balance or a fixed dollar amount monthly. To request this, please send a secure message through online or mobile banking.
• Mail your payment to: USF Federal Credit Union PO Box 71050 Charlotte, NC 28272-1050

Please contact our member service representatives by phone. You may also submit a secure message through digital banking, stop by one of our branch locations to complete the automatic payment form, or have the form emailed or faxed to you.

Please call 1.800.654.7728 to report fraud or dispute a transaction a credit card transaction(s).

To report your credit card lost or stolen, please call 1.800.449.7728. A VISA representative may refer you back to the credit union if your address has not been updated or if you would like to have the card rushed. Otherwise, they will reissue you a replacement card with a new number and it should arrive within 7-10 business days. Please update any scheduled drafts from your credit card once the new card arrives.

Yes, this can be completed through the Statement widget in digital banking. Under the Overview tab, there is a Subscriptions Settings box that allows you to change your preferences.

Your credit card statements are located within the Statements widget in digital banking. You should have a separate, Credit Card tab.