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Convenience Services



Credit Union Service Centers Shared Branching
For many years, the big banks held one significant advantage over credit unions: Locations, locations, locations!
 
That advantage is a thing of the past, thanks to Credit Union Service Centers!

Coosa Pines FCU is a member of the Credit Union Service Center Network (CUSC) which gives credit union members over 4,300 convenient locations in the United States at which to make transactions on their Coosa Pines FCU accounts.

For a listing of locations coast to coast, along with hours and turn-by-turn directions, visit the web site www.creditunion.net.  These locations may be branches of other participating credit unions or Service Center branch offices. 

Download Service Center locations & directions to your personal navigation (GPS) device!
 
Download the CUSC Service Center Transactions
The following transactions may be completed at a CUSC location:
  • Deposits (by cash or check)
  • Withdrawals (by cash or check)
  • Transfers 
  • Loan payments
  • Balance inquiries
  • Purchase of official checks, money orders, travelers checks, and theme park tickets where available
  • Free Notary Service where available

The following transactions may not be completed at a CUSC location:

  • Open a Coosa Pines FCU account
  • Close a Coosa Pines FCU account
  • Obtain a transaction history on a Coosa Pines FCU account
  • Cash third-party checks – For example: a non-member can not present a check drawn on a Coosa Pines FCU account to a Service Center location for cashing.  The check must be cashed at a Coosa Pines FCU branch location.
CUSC Identification Policy
Find the Service Centers closest to you with the When visiting a Service Center, CPFCU members must present a valid, non-expired ID and their CPFCU member number. 
Acceptable IDs include:
  • State-issued Driver's License
  • State-issued Non-Driver's License or ID
  • Military ID
  • Passport

The following will NOT be accepted for identification:

  • Expired Temporary Driver's License
  • Expired Driver's License
  • Company/ Employer Picture ID
  • School ID
When visiting a CUSC Location
  • You will be asked to complete a Service Center deposit/withdrawal slip,
  • Provide your Coosa Pines FCU member number,
  • Provide a valid (non-expired) state-issued drivers license or state-issued non-drivers license identification card,
  • Verify and sign a completed receipt, 
  • And place a right thumbprint on a check over $50.00 to be deposited or cashed.
Get Service Center locations & hours with the CUSC Check Policy
Coosa Pines FCU has allowed that funds from certain checks deposited at a Credit Union Service Center will be made immediately available for withdrawal.  However, there are instances in which a hold may be placed on funds deposited by check at a Service Center.  In some cases, funds may not be available for withdrawal until the fifth business day after the day of deposit, depending on the type of check that is deposited.  However, the first $100 of the deposit will always be available on the first business day after the day of the transaction.

Funds from the following types of checks will likely be placed on hold:
  • Local Checks – If the account balance does not exceed the amount of the check
  • Non-local Checks
  • Unfamiliar Business or Payroll Checks
  • Insurance Drafts
  • Counter or Starter Checks
  • Cashier Checks or Official Checks
  • Money Orders
NOTE: Longer check holds may apply when you visit a Service Center.  If you will need the funds from a deposit right away, or have any questions regarding your account, you should contact any Coosa Pines FCU branch to speak with a Member Service Representative regarding your transaction.  Please remember that employees at Service Center locations are not able to release a Coosa Pines FCU deposit hold or to answer questions regarding your account that are not specifically related to your transaction or current balance(s).  Transactions performed at Service Center locations are subject to the fees, rules, policies, and procedures of the Credit Union Service Centers Network.

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New Horizons Club
Special Discounted or Free Services for Members 50 and Over
 
The New Horizons Club was developed for a special group of Coosa Pines FCU members age 50 and over who either maintain a Share balance of $2,000 or have direct deposit of payroll, Social Security, or retirement benefits into their credit union account. 
 
As a member of the New Horizons Club, you’ll enjoy:
  • FREE Interest Bearing Share Draft checking Account
  • FREE Checks (One Box Per Year)
  • FREE Photocopies of Checks
  • FREE Money Orders
  • FREE Official Checks
  • FREE Notary Services
  • FREE Xerox Copies and Fax Service
  • 10% Discount off Safe Deposit Box rental
There is no fee to join the New Horizons Club.  When you visit the credit union for one of the included services, simply mention to the employee serving you that you are a New Horizons Club member to be sure that you receive the appropriate discount.

NOTE: Contact a Member Service Representative for more information.

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Paper or e-Statements

Paper Statements are mailed either monthly or quarterly to all members unless the member has requested e-Statements. 

  Members who have a Share account only and no electronic transactions (such as Direct Deposit, ATM transactions, electronic drafts also known as ACH, or Automatic Transfers) will receive a statement by mail on a quarterly basis. 
 
•  Members who have a Share Draft Checking account or have electronic transactions on the Share account will receive a statement by mail on a monthly basis.

View e-Statements

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Check Copies

Original checks drawn on a Coosa Pines FCU Share Draft checking account are not returned to the member, however copies of checks cleared may be obtained several Fee Scheduleways:

  Copies of checks cleared may be retrieved and printed by the member through the free
    Virtual Branch service at no charge. 

•  Copies of checks cleared or returned may be obtained from the credit union for a nominal fee

•  New Horizons Club members are eligible to receive check copies at no charge.

NOTE: Contact a Member Service Representative for more information.

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Check Reorder Online
Click Here to Reorder Checks Online
Coosa Pines FCU orders personal and business account checks exclusively through Harland Clarke. 
 
We proudly offer the popular and easy to use “carbonless” copy checks for our personal accounts.  These carbonless copies provide easy record keeping for balancing your Share Draft Checking account statement.  
 
•  Harland Clarke offers a wide variety of check designs and accessory products, from basic to designer.

•  Members can re-order checks online, but are encouraged to make their initial check order through a Member Service Representative (MSR).

•  During the initial order, the MSR will explain check ordering options, features, prices, and which designs are specially discounted for the credit union.

•  If the member then chooses to reorder online, Harland Clarke will have retained all necessary information from the initial order. 

New Horizons Club members receive one free box of checks per year, and should contact a Member Service Representative for details and restrictions.

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Wire Transfers
Coosa Pines FCU offers Wire Transfers as a convenience to members.
 
•  Wire Transfers allow the transfer of funds from a credit union account to an account at a different financial institution.
 
•  These transfers are sometimes made to pay a bill, send emergency money to friends or relatives, or even to make purchases when sending a check or money order is not a viable option.
 
  The fee for Wire Transfers within the United States is $10.00.  For Wire Transfers outside the United States the fee is $35.00.
 
•  Prior to making the first Wire Transfer on a credit union account, either the primary account owner or joint account owner must sign a Funds Transfer Agreement.
  
Outgoing Wire Transfer Instructions
For funds transferred out of a Coosa Pines FCU account by wire transfer, a signed Funds Transfer Agreement must be on file and the following information must be provided to CPFCU:
  • Receiving Financial Institution Name and Complete Address (Include City, State and Zip)
  • Routing/ ABA Number (Institution Will Provide)
  • Receiving Person(s) Name and Account Number
  • Instruction as to the Account from Which the Wire Transfer Fee May be Deducted
  • If the Transfer Amounts to $10,000 or More, Identification Will Be Required of the Sender
Incoming Wire Transfer Instructions
For funds transferred into a Coosa Pines FCU account, a signed Funds Transfer Agreement must be on file and the proper transfer instructions must be given to the sending institution. 
 
NOTE: Contact a Member Service Representative for incoming transfer instructions or assistance.

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Automatic Transfers
Automatic Transfers allow members to schedule regular transfers to and from accounts.
 
The Automatic Transfer is free of charge, easy to set up and can be cancelled or temporarily delayed at any time. 
 
It may be used for:
•  Transfers from a parent’s account to a child’s Share Savings account
•  Transfers from a Share Savings or Share Draft Checking account to a Loan Payment
•  Transfers to an IRA account for retirement savings
•  Transfers to or from just about any credit union accounts!
 
NOTE: Contact a Member Service Representative for more information.  Transfers may also be set up through Virtual Branch.

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Overdraft Protection Options
Have you ever miscalculated your checking account balance, forgotten to write down a transaction, or that a draft was scheduled to clear your account?
 
We’ve all been there at least once, and experienced the embarrassment and panic that go along with these common mistakes.  Coosa Pines FCU offers several different options for protecting yourself from the embarrassment of returned checks or drafts, and the panic over high fees from collectors that frequently range from $35 to $60. 
Go to the Anytime Adviser Checking Account Coach for Help! 
Whether you choose one or all four of these options, you are in control:

Overdraft Protection (from Share Savings)
Overdraft Protection from the Share Savings account is automatically added to your account when you open a Share Draft Checking account with Coosa Pines FCU. 
 
Should your checking account have insufficient funds to clear an item, the funds will be automatically transferred from your available funds in savings in $25 increments for a $3 transfer fee.  Thus, $28 must be available for transfer above the $5 Share balance.
 
NOTE: Federal Regulation D restricts the number of electronic transactions on a share savings account to six (6) per month. 
 

Overdraft Transfers (Cross-Account Transfers)
As an additional protective measure, you may contact a Member Service Representative to have any account on which you are either the primary or a joint owner set up for Cross Account Transfers, which will allow automatic overdraft protection transfers from up to five separate account numbers. 
 
This is especially beneficial on separate accounts owned by spouses, or for transfers between parent and child accounts.  Should the checking account have insufficient funds to clear an item, the funds will be automatically transferred from available funds in the alternate account in $25.00 increments for a $3.00 transfer fee.  Thus, $28 must be available for transfer.

NOTE: Federal Regulation D restricts the number of electronic transactions on a share savings account to six (6) per month. 
Contact a Member Service Representative for more information.
 
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Overdraft Privilege (Courtesy Pay)*
Overdraft Privilege or Courtesy Pay is a service available and automatically given to members with personal checking accounts that have been established at least 30 days and are in good standing.  Eligible members will be given a $300 Courtesy Pay limit (including any overdraft fees) and receive a letter in the mail explaining the details of the program.

Overdraft Privilege is not a line of credit, but will allow members to overdraw the Share Draft Checking account up to $300 (including fees) through the normal clearing process for checks and other transactions made using a checking account number, or automatic bill payments*.  Members may also access funds available through Overdraft Privilege at the teller line or the ATM.*  The fee charged for paying the items through Overdraft Privilege is the same as the fee for items returned unpaid. 
 
Members do not have to sign up for Overdraft Privilege, but must contact a Member Service Representative in order to opt out of the service.

*Beginning July 1, 2010 for new accounts and August 15, 2010 for existing members, all members must authorize the credit union in writing to pay overdrafts on ATM and everyday debit card transactions.
 
Accounts will be charged the standard Overdraft fee of $28 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $28 for items returned.  An overdrawn balance must be repaid within 30 days.  We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours, if you default on any loan or other obligation to Coosa Pines Federal Credit Union or if your account is subject to any legal or administrative order or levy.
 
 
Overdraft Protection Line of Credit
Another great option offered by Coosa Pines FCU is the Overdraft Protection Line of Credit.  This loan is available for qualifying members who have personal Share Draft Checking accounts.  The Overdraft Protection Line of Credit affords members peace of mind in knowing that they are covered in case of accidental overdraft or an emergency between paydays.
 
The Overdraft Protection Loan is a $500 line of credit linked to your checking account that's there when you need it.•  Credit line of $500 linked to the checking account.
 
•  Can be used simply as protection from overdrawing the checking account, or as an emergency fund that can be accessed any time it is needed.
 
•  A smart and affordable alternative to high-interest “payday” or "cash-advance" loans.
 
•  Advances are transferred automatically as needed in increments of $100.
 
•  Available funds may also be accessed through the free Express Line service, Virtual Branch Internet banking, Mobile Money service, or with a Debit and ATM card.*
 
•  There are no per item insufficient funds fees.
 
•  Members pay a low 14.95% APR** on the outstanding balance.
 
•  Minimum payments are just $25 per month, but the loan may be paid in full at any time with no pre-payment penalties.
 
•  The application process is fast and easy!
 
*Members must authorize the credit union in writing to pay overdrafts on ATM and everyday debit card transactions.  **APR=Annual Percentage Rate.  Certain restrictions apply.  Contact a Loan Officer for complete details.
 

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Money Orders and Official Checks
Money Orders and Official Checks are sold at each of our five convenient locations for a low $2.00 fee, and are free to New Horizons Club members.

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Free Notary Service
Free Notary service is provided to all credit union members at each of our five convenient locations. 
 
NOTE: For questions regarding Notary service, contact a Member Service Representative.  NOTE: Medallion Signature Guarantee is only available at our Childersburg location.  Please call ahead and speak with a Member Service Representative to schedule.

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Direct Deposit or ACH Deposits and Withdrawals
Coosa Pines FCU does not charge a fee for Direct Deposits or ACH (Automated Clearing House or electronic) deposits and withdrawals.* 
 
*As with other insufficient funds transactions, overdraft fees may apply if the withdrawals exceed available account balance.  Note: Federal Regulation D restricts the number of electronic transactions on a share savings account to six (6) per month.  For more information on Regulation D transactions, contact a Member Service Representative.

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Night Deposit
Secure Night Deposit Box 
Envelopes for deposits or loan payments are available at each Night Deposit box.
  • Childersburg Drive-Up – Night Deposit is located on the side of the building nearest the parking lot exit with ATM.
  • Sylacauga Drive Up – Night Deposit is located on the side of the building in the first Drive-Thru lane with ATM.
  • Chelsea Drive Up – Night Deposit is located on the back of the building at the end of the first Drive-Thru lane.
  • Pell City Drive Up – Night Deposit is located on the back of the building at the end of the first Drive-Thru lane.

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Accounts will be charged the standard Overdraft fee of $28 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $28 for items returned.  An overdrawn balance must be repaid within 30 days.  We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours, if you default on any loan or other obligation to Coosa Pines Federal Credit Union or if your account is subject to any legal or administrative order or levy.

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