Skip to main content
graphic Colorful squares with a question mark on each square scattered

Bank-by-Phone FAQ

You have questions? We've got answers!

Bank-by-Phone FAQ

The answers to the following questions are displayed underneath each question. Click on the questions to open/close the answers.

Why is the amount in my account different than what I have available?

When calling Bank-by-Phone be sure to listen for the "available balance". Your available balance is your balance less any funds that are "on hold" due to deposits, debit card transactions or loan security.

Please use the Funds Availability Policy as your reference to check holds and when the funds become available.

VISA® Debit Card ATM transactions (those requiring a PIN to be entered) usually post right away.

VISA® Debit Card purchase transactions may also place a hold against available funds for several days, until the purchase posts. Any time you change your mind after a purchase has been authorized, the hold may remain on the account for 5 business days. Be sure to keep the receipts showing the reversal. (If your account is running close and you need those funds released, you will need to provide the Credit Union with copies of both receipts.)

Help! My member account has been frozen!

For security purposes, all automated services to your account will become frozen if you (or anyone else) attempt to access Bank-by-Phone using an incorrect PIN. Should your account become frozen, your access to Online Banking, Mobile Banking and Bank-by-Phone will be locked out. Please call the Member Contact Center to correct this problem.

Where can I get a copy of the Bank-by-Phone Menus and Account ID numbers?

Menu options as well as the ability to print out a version to keep with you at all times can be found on our site.

How do I make a payment on my Credit Union loan with Bank-by-Phone?

  • To make a loan payment on Bank-by-Phone use the "Transactions Menu" and transfer to the credit card loan.
  • VISA® Credit Cards are Loans.