Frequently Asked Questions
Unanticipated expenses or mathematical errors can leave your checking account short in cash. In addition, having a check returned due to insufficient funds is tremendously embarrassing. We have created Overdraft Privilege Pay specifically for Fremont Federal Credit Union checking account members whose accounts are in good standing. There is absolutely no charge for this service unless you use it.
Read about the ways Overdraft Privilege Pay can keep you in good standing with your Fremont Federal Credit Union accounts.
Yes, Visa credit and debit cards can both be used internationally, wherever Visa cards are accepted. For example, you may use your card(s) anywhere there is a NYCE, PLUS or Visa logo. Visa and MasterCard assess a non-determined international fee for transactions processed through their network. In addition, the ATM owner may assess a fee. Fremont Federal Credit Union does not impose any additional fees. If you are traveling in the near future, please call the Branch at (419) 334-4434 and submit your Travel Plans so we can notate it in the system.
Note: While "chip cards" are being issued in Europe, European merchants can still accept U.S.-issued cards (with magnetic stripes on the back). If a European merchant says they cannot accept your card, simply ask them to try your card to get an authorization.
Fremont Federal Credit Union updated their Debit cards to the EMV Chip debit cards in early summer 2016. Current FFCU debit cardholders received a replacement debit card in July 2016. If you don’t have a Fremont Federal Credit Union debit card, stop by a FFCU branch to apply for a new EMV Chip card today!
For cash in a hurry, use any of our many convenient automatic teller machine locations. You have access to your checking and savings accounts with your Fremont Federal Credit Union VISA® Check Card or ATM card. For a nominal fee, you can also use your card at any CIRRUS, JEANIE or MONEY STATION/PULSE® network ATM around the world.
And now, we have joined forces with Alliance One. Use your card at any Alliance One ATM and the surcharge fee will be waived. A transaction fee may still be assessed depending on the network used.
All check deposited in branch are available right away for your convenience.
The credit union may put a 7 day hold on a check at our discretion. You will be made aware of the hold prior to the deposit.
All checks deposited via ATM or remotely, through our app, are subject to holds.
To dispute a credit or debit card transaction, first contact the merchant and attempt to resolve the dispute directly with them. Please make sure to document your attempts. If the merchant is unable to resolve the dispute to your satisfaction, contact Fremont Federal Credit Union to begin the dispute process through Visa®.
Since Visa requires disputes to be made in writing, please complete and return the Cardholder Dispute Form or visit any branch for a copy. Include your documentation detailing your attempts to resolve the dispute.
In accordance with federal regulations, upon receipt of your credit card dispute, the transaction amount will be placed in a dispute status. Dispute status will withhold the amount from the payment due and from being assessed interest while the dispute is being processed.
In accordance with federal regulations, we have 10 days to investigate debit card disputes or fraud claims to determine if provisional credit is warranted. However, in many cases, you will receive provisional credit to your account within 7-10 business days.
Please note: If you have fraudulent transactions on your account due to a lost, stolen or compromised card, do not contact the merchant. Instead, complete the Cardholder Claim of Fraud, making sure to include the police report case number if required. In some cases, the form will need to be notarized. We have notary services available at all of our branch locations.
Once the Cardholder Claim of Fraud has been received, the fraudulent balance will be transferred from the new account back to the blocked account
Fremont Federal Credit Union does not accept deposits at our ATM machines but if you make a deposits at a foreign ATM, that financial institution may hold your deposit for 3-5 business days. Make sure you check the ATM for more details.
Fremont Federal Credit Union offers convenient and flexible checking accounts that are catered to your specific needs and are low or no cost to you! All of our checking accounts have these standard features:
- Minimum opening deposit of $50
- Free unlimited use of Online Banking with free check copies and Mobile Banking
- Free 24/7 LIVE Member Service Call Center
- Free unlimited Bill Pay - no more stamps, no more checks to write, no more hassle
- Unlimited check writing
- Free Fremont Federal Credit Union Visa Debit Card, which can be used in place of a check to make purchases anywhere Visa is accepted. This can also be used to withdraw from ATMs
- Overdraft Privilege Pay - a discretionary service that FFCU may provide for non-sufficient funds occurrences. Members must opt in for this service
- Rate discount of ¼% on direct installment loans with auto-debit from a Fremont Federal Credit Union checking account
- Free notary service
View our Checking Accounts. View our Fee Schedule.
You may withdraw or make purchases up to your $1,000 daily limit or the available account balance (whichever is lower) in any one day unless otherwise authorized.
The terms "debit card" and "check card" mean the same thing. A debit card withdraws money from your checking account as a check does; therefore, it debits your account. It can also withdraw money from your savings account, if you have it set up that way when you ask for a card. It can be used to make purchases at any retail establishment that displays the VISA logo.
Fremont Federal Credit Union's routing number is 241278785.
Having access to your credit union accounts anywhere at any time is important. Fremont Federal Credit Union provides these convenient services to our members free of charge. You can enjoy using these services from the privacy and comfort of your home or office.
In addition, your privacy, security and safety are of the utmost importance to us. We are always monitoring our systems to ensure your account information is kept confidential. Please be aware that we will never contact you via email to ask for personal account information.
If your checks are stolen please call or visit a branch immediately. A Member Services Officer will get the needed information to flag your checks within their range of check of numbers.
ATM/Debit Chip Cards
- For a Lost/Stolen Number – 1-800-543-5073
- Pin Change Number – 866-297-3411
- Card Activation Number – 800-543-5073
These numbers are available 24/7.
Why?
Financial companies choose with who they share your personal information with. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The personal information we collect and share depends on the product or service we have with us.
This information can include:
- Social Security number and income
- Account balances and transaction history
- Payment history and credit score
How?
All financial companies must share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member's personal information, the reason University Credit Union chooses to share, and whether you can limit this sharing.
| Reasons we can share your personal information | Does University Credit Union Share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. | Yes | No |
| For our marketing purposes — to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | Yes |
| For our affiliates' everyday business purposes — information about your transactions and experiences. | No | We don't share |
| For our affiliates' everyday business purposes — information about your creditworthiness. | No | We don't share |
| For our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
This is most likely due to the fact that at one time an attempt to click the link and register was made but ended up closing out before completing the first-time registration.
Here are the steps they need to take to resolve this:
- In a web browser, verify that you are receiving a “server error” when clicking the Manage Card link.
- Clear the browser’s cache. Not sure how to do this, search the internet based on the browser they are using. For example search: “how to clear cache in Google Chrome”.
- Make sure the pop-up blocker is off. Not sure how to do this, search the internet based on the browser they are using. For example search: “how to clear cache in Firefox”.
- Close the browser. Don’t miss this step!!
- Reopen the browser and attempt to click the Manager Card link again.
- Once it opens proceed to complete the registration process.
- If using a mobile device you can now attempt the link from there as well.
If it still does not work… - Manually add the following site to the “allowed to send pop-ups list” for pop-ups - fremontfcu.com/main/cards. This is in the area mentioned in Step #3.
Your mobile app is outdated. Uninstall and reinstall the app and it should fix the issue.
We apologize for the inconvenience but during this transition period, the digital wallets will be down. We will keep you updated when this will be available for download.
Our new online credit card site, DX Online, will be available by 4/15/22. You will click the DX Online link right from your FFCU online banking and enroll.
To dispute a credit or debit card transaction, first contact the merchant and attempt to resolve the dispute directly with them. Please make sure to document your attempts. If the merchant is unable to resolve the dispute to your satisfaction, contact Fremont Federal Credit Union to begin the dispute process through Visa®.
Since Visa requires disputes to be made in writing, please complete and return the Cardholder Dispute Form or visit any branch for a copy. Include your documentation detailing your attempts to resolve the dispute.
In accordance with federal regulations, upon receipt of your credit card dispute, the transaction amount will be placed in a dispute status. Dispute status will withhold the amount from the payment due and from being assessed interest while the dispute is being processed.
In accordance with federal regulations, we have 10 days to investigate debit card disputes or fraud claims to determine if provisional credit is warranted. However, in many cases, you will receive provisional credit to your account within 7-10 business days.
Please note: If you have fraudulent transactions on your account due to a lost, stolen or compromised card, do not contact the merchant. Instead, complete the Cardholder Claim of Fraud, making sure to include the police report case number if required. In some cases, the form will need to be notarized. We have notary services available at all of our branch locations.
Once the Cardholder Claim of Fraud has been received, the fraudulent balance will be transferred from the new account back to the blocked account
Fremont Federal Credit Union's routing number is 241278785.
Yes, Visa credit and debit cards can both be used internationally, wherever Visa cards are accepted. For example, you may use your card(s) anywhere there is a NYCE, PLUS or Visa logo. Visa and MasterCard assess a non-determined international fee for transactions processed through their network. In addition, the ATM owner may assess a fee. Fremont Federal Credit Union does not impose any additional fees. If you are traveling in the near future, please call the Branch at (419) 334-4434 and submit your Travel Plans so we can notate it in the system.
Note: While "chip cards" are being issued in Europe, European merchants can still accept U.S.-issued cards (with magnetic stripes on the back). If a European merchant says they cannot accept your card, simply ask them to try your card to get an authorization.
Fremont Federal Credit Union updated their Debit cards to the EMV Chip debit cards in early summer 2016. Current FFCU debit cardholders received a replacement debit card in July 2016. If you don’t have a Fremont Federal Credit Union debit card, stop by a FFCU branch to apply for a new EMV Chip card today!
ATM/Debit Chip Cards
- For a Lost/Stolen Number – 1-800-543-5073
- Pin Change Number – 866-297-3411
- Card Activation Number – 800-543-5073
These numbers are available 24/7.
Fremont Federal Credit Union offers convenient and flexible checking accounts that are catered to your specific needs and are low or no cost to you! All of our checking accounts have these standard features:
- Minimum opening deposit of $50
- Free unlimited use of Online Banking with free check copies and Mobile Banking
- Free 24/7 LIVE Member Service Call Center
- Free unlimited Bill Pay - no more stamps, no more checks to write, no more hassle
- Unlimited check writing
- Free Fremont Federal Credit Union Visa Debit Card, which can be used in place of a check to make purchases anywhere Visa is accepted. This can also be used to withdraw from ATMs
- Overdraft Privilege Pay - a discretionary service that FFCU may provide for non-sufficient funds occurrences. Members must opt in for this service
- Rate discount of ¼% on direct installment loans with auto-debit from a Fremont Federal Credit Union checking account
- Free notary service
View our Checking Accounts. View our Fee Schedule.
- About Fremont Federal Credit Union
- Account Questions
- ATM Questions
- Certificates of Deposit Questions
- Checking Questions
- Debit Card Questions
- Financial Literacy Questions
- General Product and Service Questions
- Home Banking Questions
- Loan and Credit Questions
- Member Privacy Policy
- Miscellaneous Questions
- Online & Mobile Banking Upgrade
- Privacy Policy FAQs
- Roth IRA Questions
- Security Questions
- Upgrade
- Visa Credit Card FAQs