Frequent Questions
If you can’t find the answer you are looking for on this page,
please call us at (602) 254-5291 or email us at inform@bannerfcu.org.
How Do I Report A Card Lost or Stolen?
Please report your card stolen or lost as follows:
VISA Credit Card please call 1-800-558-3424.
VISA Debit Card or ATM Card please call 1-800-617-3775.
These phone lines are supported 24/7 and should be called as soon as you are aware your card is no longer in your possession.
How Do I Pick or Change My Pin Number?
Calling from your home phone number, you are now able to personalize your PIN upon activation of a new card OR change your existing PIN by calling 1-800-567-3451. There is a $3.00 fee if you are changing your PIN.
What information do I need for a wire transfer?
In order to RECEIVE a wire transfer to your Banner Federal account: Send wire to: Catalyst, ABA 3119-9051-1 Credit to: Banner Federal Credit Union, ABA 3221-7288-1 Final Credit to: (Your name and account number at Banner Federal)
In order to SEND a wire from your Banner Federal account: This transaction must be done in person. Please proceed to your nearest Banner Federal location. We require: The name of the receiving financial institution, the ABA number or SWIFT, the address of the receiving institution, the name on the account the funds are going to, the account number, the address on that account, and any special instructions.
Other FAQ
I don’t recognize a transaction on my account
If you have never done business with a merchant who has processed a transaction on your account and it has been less than 60 calendar days you may file a dispute directly with us. To start this process please visit your closest branch office or you can email our card services department to get started.
If you have done business with this merchant before, please contact their billing department first for resolution. We may ask for verification that this step has been completed before filing a dispute on your account.
How can I deposits checks from my smartphone?
If you are a checking account holder with Banner FCU, you may use the Banner mobile app to deposit checks payable to you or another person named on your account up to $5,000.00 per day. Checks deposited before 3:00 pm during our business hours will be credited to your account before 8:00 pm. If you miss the 3:00 pm cut off time, your check(s) will be credit the following business day before 8:00 pm. Check holds do apply and funds may not be available for use. Be sure to check your available balance before using funds. All checks must be endorsed properly in order to receive credit, “For mobile deposit at Banner FCU” and signed by the payee.
How do I change the payment due date on my loan?
To change your payment due date on your loan, please email our loan department with your name and request and one of our loan representatives will get back to you shortly.
What is the ABA/routing transit number?
Banner Federal Credit Union’s ABA/Routing Transit number is 3221-7288-1.
Can I make deposits or loan payments over the phone?
If you have an account at Banner Federal Credit Union, we can make deposits to accounts or transfers to loans from existing accounts with us. We are now accepting debit cards or checks by phone or by web to make loan payments for your convenience. A $10.00 charge applies by phone, and a $5.50 charge applies by web. In order to make deposits to your account from another financial institution, you can log into Virtual Branch and do so using the Account to Account transfer feature. A $1.00 charge applies per incoming transfer, and a $2.00 charge applies per outgoing transfer. If you visit one of our offices, we can use your credit or debit card for a cash advance to make payments or deposits with proper identification for free*.
* Cash advance fees may apply. Please check with your credit card company for details.
What is the AD&D Insurance that is being debited from my account?
The AD&D Insurance is an optional Accidental Death and Dismemberment Insurance you have requested through one of our preferred insurance vendors. To find out more about your policy or to make changes to this deduction, please call (800) 252-2148.
How do I set up Direct Deposit or Payroll Deduction?
In order to start or change the amount your employer sends the credit union, you must contact your payroll or human resources department and provide them your routing number and credit union account number. If you are a Banner Health employee, you can do this online on your MyHR website.
The credit union can only change the way your payroll is disbursed once it comes into your account, and you may do so by contacting any one of our offices by phone or in person.
Can I apply for a Payday Stretcher Loan on your website or by phone?
No appointment is required for this type of loan and you may do this type of loan at any of our branches. You may also start the process online by downloading the forms from our website.
If I call the office, can they look up my PIN number for my ATM/ Visa Debit card?
For security purposes, none of Banner Federal’s employees have access to PIN numbers. You can call 1-800-567-3451 to select a new PIN for Debit Cards only. A $3.00 fee applies for all PIN changes.
How do I view my accounts online?
To view your accounts online, from our homepage, click “Sign up for Virtual Branch,” and follow the prompts or download our mobile banking app Banner Federal Credit Union.
How do I get cash or make a payment when the credit union is closed?
Banner Federal is a participant in the Shared Branching Network, which allows you to request a withdrawal or make a payment at any of the participating Shared Branching credit unions throughout the country. Many Shared Branching facilities are open later in the evening or on Saturdays. To find a Shared Branching participating credit union follow this link.
Can I do Shared Branch transactions over the phone?
You can do credit union to credit union transfers within the Shared Branch network by calling 1-866-MYCUNOW (866-692-8669).
You can also text your current zip code to 91989 for the closest shared branch facilities and ATM’s.
standard messaging rates may apply, see your carrier for details.
Why doesn’t my ATM/Visa Debit card work?
There are several different reasons why your card may not be working. Some of the most common reasons are inadequate available funds in your account, past due loan accounts, using your card while traveling out of your home state or country, or accounts below the required minimum balance. If you are having trouble with your ATM/ Visa Debit card, please contact our Card Services Department at (602) 254-5291 option 0, then 2 during our normal business hours.
How much can I get out of the ATM machine?
ATM machines vary in the amount they will dispense, but you can get up to $1,000.00 per day. Friday, Saturday and Sunday are considered one business day.
How do I update my contact information, address, etc?
Using this Change of Address form you can change your personal account information by fax, mail, in person, or you can log onto Virtual Branch and click the “gear” icon in the upper right hand corner, then select “Personal Information”.
How do I place a stop payment on payment?
You can do this by calling the credit union and ask to place a temporary stop payment over the phone, but you will also have to go into the branch within 14 days to sign for a permanent stop payment order. A $35.00 per item charge applies to all stop payment requests.
- For paper checks- the item must not have paid yet.
- For electronic transfers/ACH- we need 3 business days to stop the payment before the payment is due to come out & it must have paid from your account previously.
- For debit cards-must be a reoccurring transaction and not pending.
I forgot my security code for Virtual Branch, how do I retrieve it?
You can call any credit union office and they can assist you, or you may choose “Forgot Security Code?” on the home page. It can take up to 30 minutes to receive your password reset my email. If you have trouble receiving it, check your junk/spam folder on your email. It will be sent to the email address we have on file.
Why is my Available Balance less than my Account Balance?
Your Account Balance states the amount in your account. Your Available Balance shows what is available to you due to transactions that maybe pending but not posted, check holds, or other holds placed on your account. You can click the “pending transactions” options from the Account Access tab in Virtual Branch to see these pending debit card transactions.
What are the cash/charge limits on my Visa Debit Card?
For any transactions you use your PIN number for, you have a $3,000.00 limit per day, per card. For any transactions you use your signature for, you have a $3,000.00 limit per day, per account on our Regular Checking Accounts. For Teen Checking Accounts, the ATM and signature limits are both $1,000.00 per day. Friday, Saturday and Sunday are considered one day.
How do I activate my Visa Debit Card?
On each card, there is an activation sticker with a toll-free number. That number is 1-800-567-3451. You must call from your home or cell phone number we have on file. Follow the prompts on the recording. If you have trouble activating your card please contact our Card Services Department at (602) 254-5291 press 0 then press 2 during our normal business hours.
How do I cancel my account?
If you would like to close your account you may go to your local branch and request to close it, or you will need to print and fill out the close account form and fax it to 602-256-0089.
