| Q |
How
do I become a member? |
| A |
You can
become a member if you are in field of membership. You will
need to complete an account card and make a $25.00 deposit
to open a savings account. Your $25.00 deposit is your membership
share in the credit union. It makes you a member/owner of
the credit union and allows you to use the services of the
credit union. In the future if you decide to close your account,
the $25.00 is returned to you as long as you have no outstanding
account balances or fees due to the credit union. |
| Q |
How
many locations do you have? |
| A |
We have
7 office locations. Our
main office is located in Fort Dodge. Our branch office are
located in Algona, Belmond, Estherville, Lake Mills, Spirit
Lake, Storm Lake, and at the Hy-Vee store in Fort Dodge. |
| Q |
Is
my savings at the credit union insured? |
| A |
Your
savings is insured to at least $100,000 by the National Credit
Union Administration (NCUA), an agency of the Federal Government. |
| Q |
What
is Citizens' routing and transit number? |
| A |
273974947 |
| Q |
How
often do your rates change? |
| A |
We regularly
review both savings and loan rates. They are changed periodically
as necessary. |
| Q |
How
do I apply for a loan? |
| A |
You may
apply for a loan in person or by telephone at any of our office
locations. In addition, you may apply online either on our
website or through online
banking. |
| Q |
What
do I do if I lose my checkbook? |
| A |
Please
contact any of our office locations as soon as possible. You
will need a list of The number of checks left in the book
so a "Stop Payment" can be placed. There is a fee
for this service. |
| Q |
How
do I get a copy of one of my checks? |
| A |
Please
contact any of our office locations. You will need to know
the check number, the amount of the check, and when it cleared
your account. There is a fee
for this service. |
| Q |
How
do I put a stop payment on one of my checks? |
| A |
Please
contact any of our office locations. You will need to know
the check number, the amount of the check, and the name of
the payee on the check. There is a fee
for this service. |
| Q |
How
do I know how much I can spend with my Citizens VISA Check
Card? |
| A |
The amount
you can spend is the balance of your checking account less
any outstanding transactions. Deposits made to your checking
account at ATMs are updated at 10 AM, 2 PM, 4 PM and once
during the evening. |
| Q |
What
do I do if I lose my Citizens' VISA or MasterCard credit card
or my Citizens VISA Check Card? |
| A |
If
your Citizens' VISA or MasterCard credit card is lost or
stolen, please call Card Services at 800-234-5354 to report
your card lost or stolen.
If your
Citizens' VISA Check Card is lost or stolen, you will need
to make 2 telephone calls. First, please call Card
Services 800-234-5354 to report your card lost or stolen.
Card Services is available 24/7 to help you.
Second,
you will also need to call our New Accounts Department (515-955-5524)
to let them know that you reported your card lost or stolen
to Card Services. Our New Accounts Department is available
Monday - Friday; 9 AM to 5 PM.
|
| Q |
What
do I do if I forget my PIN#? |
| A |
CyberBranch-24,
PAT, VISA Check Card
If you forget your PIN# for (1) CyberBranch-24, online banking,
(2) PAT (Personal Telephone teller), or (3)VISA Check Card,
please contact us at (515) 955-5524.
Citizens
VISA or MasterCard Credit Cards
If you forget your PIN# for your Citizens' VISA or MasterCard
credit card, please call Card Services at 800-234-5354.
|
