What are your branch hours?
Go to www.greatriverfcu.org/asp/location.asp for our hours and locations.
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What is your routing number?
291975672
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Do you have a notary public?
Notary Publics are a free service we provide our members.
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Why can't I do more than six automatic transfers a month?
In compliance with federal regulations, our system will only allow six automatic transfers a month, which includes Call24, Online Banking, and automatic transfers from savings to checking. However, you may visit a teller as many times as you like to transfer funds.
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What is the difference between my balance and my available balance?
All of our members maintain a share in the credit union of $5. This stays in your savings throughout the life of your account. The balance represents the total amount in your account. The available balance is the actual amount that you may withdraw from your account. The available balance may be less if funds are being held due to check holds or outstanding debit card transactions.
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How do I change my address at the credit union?
You can make the change either in person, by mail (include your signature) or by phone (password verification required). Remember to also include any new phone numbers and any other accounts you are a joint owner on.
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How do I sign up for Online Banking?
All you need is your Member Account Number and Call24 PIN to log onto Online Banking. Members with a password for calling the Credit Union can receive the Call24 PIN by calling Member Service at any branch. If you do not have a phone password, please stop into any branch with your ID to obtain a Call24 PIN.
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What if I am locked out of Online Banking?
Please call Member Services or stop into any branch to have your online banking reset.
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What should I do if my ATM card or check card is lost or stolen?
If you card is lost or stolen notify us immediately during banking hours. After hours, call 1-800-472-3272 to report lost or stolen cards
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What’s a Credit Union?
A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
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Who owns a credit union?
Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn't operate in that manner. Rather, each credit union member owns one "share" of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
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How did credit unions start?
The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.
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What is the purpose of a credit union?
The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.
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Are savings deposits insured?
Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
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Who can join a credit union?
A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group.
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