Frequently Asked Questions

To assist you in learning more about the Credit Union, we have compiled a short list of the most frequently asked questions and answers:

Q:  What are your hours of operation?

A complete listing of our hours and branch locations is available online.

Q:  Do I have to maintain a minimum balance in savings?

The minimum balance required for membership is $5.00.  However, to avoid a monthly service fee you must maintain an average daily balance of $300 or acquire a credit union loan or a Credit Union VISA credit card with an active balance.  You will also earn dividends on your savings account with an average daily balance of $100 or more.  This fee does not apply to members under 16 or over 55 years of age, accounts opened less than 90 days or loans paid off less then 90 days.  For questions, please contact our Member Services Department.

Q:  Where may I use my ATM card?

Your credit union ATM and/or MasterMoney Debit Card is accepted at any outlet which displays the Star/Honor, Presto, CU24, or Cirrus logos.  And remember, at Presto ATM's, you can make up to 4 withdrawals per month with no fee!  Find out additional information and/or view the Online ATM Locator to find an ATM near you.

Q:  What is the difference between the Kwik Kash ATM Card and the MasterMoney Debit Card?

The MasterMoney Debit Card can be used as both an ATM card for cash withdrawals as well as for purchases at merchants displaying the MasterCard logo.  Unlike the ATM withdrawal, your debit card transaction at a merchant may not appear on your account for up to 72 hours.  Therefore, the credit union requires a credit check before issuing the debit card.  Additional information is available online about both of these products.

Q:  Why should I use the Teller 24 Audio Response system instead of calling and speaking with a "live person"?

Although we do enjoy speaking with our members, Teller 24 is usually quicker and more convenient.  With a toll free number and 24-hour availability, you can check balances, request withdrawals, transfer funds between accounts, receive check clearing information and more.  Please refer to our Teller 24 page online for more information about this service.  If you choose to speak with a member service representative to request a check withdrawal, there is a $2.00 per check fee.

Looking for the answer to a different question?  Send us an email and we will respond to your question promptly.
 

Service 1st Credit Union, 8916 Sabal Industrial Blvd., Tampa, FL 33619
Toll Free (800) 237-5567 / Tampa Main Office (813) 621-9631 / Fax (813) 664-0525
Teller 24 (813) 612-9222 / Toll Free (800) 738-2765

 

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