Frequently Asked Questions
Quickly and easily find answers to the most common questions we get asked.
If you are paying with funds from your credit union savings or checking account, simply make a transfer to your credit card within digital banking.
If you want to pay your Visa from an external account at another financial institution, there are several options available:
- Link your external account in digital banking to allow transfers between your bank/credit union share accounts. After you have verified your external account using either the instant verification method or by confirming the amount of the two trial deposits sent to your external account (this may take 2-3 business days), you will be ready to transfer money. Please note: External account transfers to a Visa take about 3-4 business days to process.
- Use the bill pay or funds transfer service offered by your other financial institution to send your payment.
- Make a payment in-person at any of our branches or a shared branch location.
- If you would like to set up recurring monthly payments from an external bank account, we can do this for you. Please send a Service Request – located under the Services & Settings tab – for Credit Card AutoPay Enrollment.
- Mail your payment to: USF Credit Union PO Box 740002 Atlanta, GA 30374-0002
No. Membership at USF Credit Union is open to the public. Anyone can join and lock in these limited-time CD rates in under 5 minutes. When you visit our membership page, just choose: “None of the Above – I’d like to qualify by joining the ACC.”
Your rate is fixed for the full term you select (7, 13, 19, or 25 months). Upon maturity, your CD Special will automatically renew into a standard, non-jumbo share certificate at the corresponding term (6, 12, 18, or 24 months) at the prevailing rate, unless you make changes during your grace period.
Yes. Your funds are federally insured by the National Credit Union Administration (NCUA). Through our excess coverage programs, protection extends up to $15 million, giving you complete peace of mind while your money grows.
You can open your account online in under 5 minutes if funding with $5,000 or less. However, if you are transferring more than $5,000 from another financial institution, you must complete the setup in person at any USF Credit Union branch.
Our mailing address is: PO BOX 47989, Tampa, FL 33646-0117
Our main, Fletcher Branch is located at 7037 E. Fletcher Ave. Temple Terrace, FL 33617.
Our Member Service Contact Center is open from 8am – 6pm M-F and 9am – 1pm on Saturdays. Branch hours vary by location. View branch locations and hours.
Yes, but you will need to contact us prior to traveling overseas. Our fraud monitoring technology may decline attempted transactions that are outside of your normal activity, like international purchases, unless we are aware and have made notes to your account regarding your travel destination and dates.
Please reach out to our member service representatives as soon as possible. The representative will go over your recent transactions and assist you further.
If we determine that your card has been compromised, we will block your current debit card, issue a new one, and email/fax you the fraud paperwork to complete. Once you complete and submit the fraud forms, our card services department will provide you with provisional credit within 10 business days.
Additional fraud tips:
- Be careful using your debit card at gas pumps, vending machines and in isolated locations since there is a greater likelihood of “skimmers” that steal your card information. Also, use caution when entering in your card information online, especially within unfamiliar websites.
- Set up balance change/transaction alerts through digital banking. This will allow you to act more quickly and prevent further losses.
Our checking accounts have no monthly maintenance fees, debit card usage fees, or below balance fees. There may be fees for optional services associated with your account, such as charges for ordering checks, requesting a stop payment, or overdrawing your account. Please review our Fee Schedule for more details.
Please note: There is a $5 monthly savings fee that applies if you are 25 or older, have no loan(s), and an aggregate average daily balance of less than $300 in all your share accounts.
We have standard overdraft practices (Convenience Pay) that come with your account. We also offer overdraft protection plans, such as a link to a savings account or a checking line of credit (LOC), which may be less expensive than our standard overdraft practices (Convenience Pay). To learn more, view the Discretionary Convenience Pay Disclosure.
- About USF Credit Union
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