 General Account Information FAQsWhat is the routing number at the credit union? The routing number (ABA) at Extra Credit Union is 272477432.
If I deposit money in the ATM, when is it available to me? ATM Deposits are held for a minimum 2 business day hold. This includes check and cash deposits.
How do I change my address on my account? To update your address on your Extra Credit Union account, complete the Account Change Card. This form can be obtained at any of our locations.
What are the account fees associated with my checking account and minimum balance requirement? There is no minimum balance requirement. View our fee schedule for associated account fees.
Who is eligible to join Extra Credit Union? Membership Eligibility As long as you meet any one of the eligibility qualifications below, you can join the Extra Credit Union family!
How do I change my name on my account? To make a legal name change, we must receive a completed Account Change Card and be provided with a valid driver’s or marriage license. What is the difference between a credit union and a bank? Credit unions are not-for-profit financial institutions that conduct business for the mutual benefit and general welfare of their member-owners. Banks are for-profit financial institutions who conduct business to maximize the price of its stock and profit for stockholders.
How do I wire funds from another financial institution to my Extra Credit Union account? To wire funds to Extra Credit Union from another financial institution, you will need to provide the other financial institution with the following information: Address: Extra Credit Union, 6611 Chicago Rd., Warren, MI 48092. Routing Number: 272477432
How do I add a joint party to an existing account? To add a person as a joint party on your account, please send a completed application by mail to:
Extra Credit Union ATTN: Financial Services 6611 Chicago Road Warren, MI 48092
Be sure to include your current account number, all completed joint party information (including a copy of the joint parties ID and Social Security Card), and signatures from all current account owners as well as the new joint party's signature.
Are there available ATM's that do not have a surcharge? Yes. Extra Credit Union’s ATM's are part of the CO-OP network. There are over 28,000 free ATM's available to you throughout the US, Canada and Puerto Rico on the CO-OP network.
What are the Money Market account fees and minimum balance requirement? The minimum balance to open the account is $2,000. View our fee schedule for associated fees.
Can I open a checking account without having a Regular Savings account? No. Every member must open a Regular savings account before adding any other type of account. The deposit of $5 represents a member’s share in the credit union and is nonrefundable.
How can I check my balances? Access your account information:
Does Extra Credit Union have safe deposit boxes available? Yes, we do. Safe deposit boxes are available at our main office and accessible during lobby hours. Click here for pricing and size information.
Can I open a checking account even though I am not 18 years old? Yes. Some restrictions apply.
Is there a fee to open an account with Extra Credit Union? All members are required to open a Regular Savings account. There is an initial $5 membership deposit that must be kept in the Regular Savings account at all times.
I have lost my checkbook. What should I do? Lost or stolen checks should be reported as soon as possible at an Extra Credit Union branch or by telephone at (586) 276-3000 or (877) 638-7628.
Why don't the account balances on my records (check book register) match the balances on your computer? Your records will show immediate deductions/additions to your account. Online Banking will not reflect any transactions that have not yet cleared your account, such as checks written but not yet cleared or pending debit transactions. Your records might not include dividends earned or service fees deducted.
How do I close my account with Extra Credit Union? You may request to close your account in person at any Extra Credit Union branch location or by written request. Please be sure to include your signature with your written request for verification.
Mail your request to: Extra Credit Union 6611 Chicago Road Warren, MI 48092
Revised 07/09 |
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