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Frequently Asked Questions

Frequently Asked Questions

If you have questions, Fox Communities Credit Union has the answers!

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Deposit Accounts

Yes, Fox has a convenient option for you to open an account online – complete the online application process. You’ll also need a current form of identification and a method to fund your new account.

*Please note some of Fox’s accounts may not be available for online account opening at this time.

Your $5 Membership Share account makes you a Fox member-owner, which means you get to enjoy all the benefits Fox has to offer.

There is no limit to the number of accounts you can have at Fox.

Please come see us at one of our Fox locations to complete the necessary documents to add or remove a joint account owner from an account. Members can also close the account and then reopen a new account, which can be easier and more convenient in some situations.

Stop by one of our Fox locations or give us a call to complete the necessary documents to add or remove a beneficiary from an account. You can also learn more about adding a beneficiary in our blog post on the subject.

And if you can’t remember who is currently listed as beneficiary on your account(s)? Stop by one of our Fox locations or give us a call.

Fox members can transfer funds to their own account at another financial using an A2A transfer within the Bill Pay feature of the Fox app. However, Fox’s Digital Banking system and mobile app do not support transferring to someone else’s account at another financial, at this time. Members may use Popmoney to transfer funds electronically to someone else’s account at another financial, though. You can access Popmoney through the Bill Pay feature in your Fox app.

Most employers typically have a direct deposit form for you to complete in order to deposit your paycheck into your personal account. Check with your HR department, or get in touch with us if you need help.

You will need the following information:

  • Routing #: 275977256
  • 12-digit Account Number – You can find your full 12-digit account number in Digital Banking or simply by contacting us and requesting it.
  • Log in online to your My Social Security account
  • Select the Benefits & Payment Details link on the right side of the screen
  • Select Update Direct Deposit button
  • Enter your bank account information and select Next
  • Review and verify bank account information and select Submit

There are several reasons why a check may have a hold placed. The length of the hold on the check will depend on the type of check you deposit. If you have questions about how long your check will be held, or to inquire about a specific check, please contact a Fox team member or visit one of our many Fox locations.

Are you signed up for paperless statements? If so, that’s why. If not, contact our friendly Fox team and we’ll get it figured out. Monthly statements are typically mailed by the second business day of the month. Mortgage statements are mailed in the middle of the month.

We’re sorry you found an unexpected fee on your account. We pride ourselves in being transparent, so please see our current fee schedule for information regarding our service fees.

Yes, as long as the landlord is a Fox member. You’ll need to set this transfer up using Fox Digital Banking, the Fox app, or by coming to see a member of our friendly Fox team at one of our many Fox locations. If the landlord is not a Fox member, you will have to use Bill Pay in your Fox app to send the payments.

There are several steps that will need to be completed upon the death of a loved one. Please contact one of our friendly Fox team members to assist you with this process or check out our blog post on the subject.

Here are some documents you may need to provide:

  • Death Certificate
  • Letter of testamentary naming the executor (if applicable)

Proof of identification for representative handling estate (if applicable)

Yes, the National Credit Union Administration (NCUA) insures deposits up to $250,0000. The amount of coverage depends on the ownership and types of accounts you have with Fox. To learn more, please visit Share Insurance FAQs or Share Insurance Estimator.

Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on a share account based on the interest rate and the frequency of compounding for a year.

Annual Percentage Rate (APR) is the cost of credit on a annual basis you’ll pay when borrowing money, expressed as a percentage.

That depends on the term of your certificate and what the early withdrawal penalty may be. For more information about your certificate, give us a call or visit one of our Fox locations.

Digital Banking

There could be several reasons that are preventing you from logging into your account online. Please call one of our friendly Fox team members for assistance.

Before you enroll in Digital Banking, you will need the following information for enrollment: last name, full social security number, date of birth, and zip code. Next, you will need to access Digital Banking on our Fox website or by downloading the Fox Mobile Banking App.

If this is your first time accessing Digital Banking, click here to enroll. Next, you will be brought to the enrollment page, where you will need to input your last name, social security number, date of birth, and zip code – then select a username and click continue.

If you sign up on your computer or using the Internet browser of your mobile device, then you’re all set to use our Fox Digital Banking features. – though you will need to register each of your devices with a secure access code. We also have another great tool you should check out, and that’s our Fox mobile banking app for your mobile device.

Loans

Yes, simply log into your digital app or get in touch with our friendly Fox team

Digital App:

Log into Digital Banking> Select Loan Payments

  1. Select account where payment will come out of
  2. Select Loan account
  3. Select payment type
  4. Select the amount you wish to pay
  5. Select payment date
  6. Review loan details and check “Make this Recurring”
  7. Click submit

There are several options to make your payment. You can use Fox’s mobile banking app, sign into Fox’s secure Digital Banking, mail your payment, or stop in at one of our Fox locations.

Digital Banking Instructions

  1. Log into Digital Banking.
  2. Locate the “Credit Card Payments” or “Loan Payments” tab
  1. Select account where payment will come out of
  2. Select credit card account or loan account
  3. Select payment type
  4. Select amount you wish to pay (if you wish to set up recurring payments, reference steps 10-13)
  5. Select payment date
  6. Review credit card or loan payment details
  7. Select submit
  1. To set up recurring payments, check “Make this Recurring”
  2. Select payment frequency
  3. Select start and end dates, or repeat forever
  4. Select submit

Fox Mobile Banking Instructions

  1. Log into the Fox Mobile App
  2. Select “Make a Payment”
  1. Select account where payment will come out of
  2. Select credit card account or loan account
  3. Select payment type
  4. Select amount you wish to pay (if you wish to set up recurring payments, reference steps 10-13)
  5. Select payment date
  6. Review credit card or loan payment details
  7. Select submit
  1. To set up recurring payment, check “Make this Recurring”
  2. Select payment frequency
  3. Select start and end dates, or repeat forever
  4. Select submit

Fox’s friendly mortgage officers are ready to help assist you! Or you can visit our Home Loan FAQ page for additional information.

First, contact us by phone or stop in at one of our Fox locations for guidance. The title can only change hands once the loan is paid off. We can provide you with a loan payoff statement. Once the outstanding loan balance has been paid, Fox will release the lien on the vehicle and you can transfer the title to the buyer. If you don’t sell your vehicle at a price that covers the balance of your loan payoff, you’ll have to pay the difference before the title may be transferred. Our auto loan specialists can help if you have further questions, just give them a call.

Mobile Banking

Yes! You can download the app in the App Store or in Google Play under Fox Communities Credit Union. Your login information will be the same as your Digital Banking account. If you aren’t set up with Digital Banking, you will need to enroll first.

Mobile Check Deposit is the ability to deposit your check into your Fox checking or savings accounts using your smartphone or tablet with the Fox Mobile App. If you don’t have our Fox mobile app, you can download it from Apple Store or Google Play store.

  1. Log into the Fox app from your smartphone or tablet
  2. Select “Deposit Check”
  3. Select “Deposit Account”
  4. Enter amount listed on check
  5. Endorse the back of check “For Mobile Deposit at FCCU” followed by your signature
  6. Snap a photo of front and back of check
  7. Select “Submit Deposit”

*Reminder: To use this service, you’ll need to be enrolled in Fox Communities Credit Union Digital Banking.

Yes, you will receive an email notification when your deposit is received and when it’s either approved or rejected.

Deposits received: Lets you know we have received your deposit, but the funds are not yet available for use, as the deposit is awaiting review/approval.

Deposit approved: Lets you know we have approved your deposit and it will be credited to your account during the next available deposit posting time.

Rejected deposit: Notifies you the deposit cannot be processed and the reason why. The funds will not be available in your account. You may view an image of the check under your Digital Banking activity details.

Deposits submitted after 3 p.m. CST, Monday-Friday, may not be deposited until the following business day. Any deposits submitted on a weekend or federal holiday will be processed on the following business day.

Generally, funds will be available for withdrawal by the second business day after the day of deposit. However, longer delays may apply. For additional information see Fox Communities Credit Union funds availability policy.

Yes, your Mobile Check Deposit may be rejected due to several reasons, including:           

  • You’re over the daily mobile check deposit limit
  • Blurry Image
  • Missing Signature on front of check
  • Improper endorsement on the back of the check
  • Unable to read MICR (magnetic ink character recognition) line
  • Third-party check

Debit Cards

Your new card will be mailed to you before your old card expires. If you don’t receive it, please contact our friendly Fox team. Your card is good through the last day of the expiring month.

If it is, our fraud monitor will typically text or call to ask if a card transaction is valid, requiring a yes or no response. If that hasn’t happened, it’s best to be safe and contact our friendly Fox team to make sure it’s not some kind of phishing attempt. No matter what, we’ll help you work through the situation and keep your identity and finances safe.

Typically, your debit card will arrive in the mail within 3-7 business days of opening your account, unless one was issued to you when you opened your account.

If you did not request a debit card when you opened your checking account and want one, please stop by any one of our Fox locations or call our friendly Fox team.

There could be several reasons your card is being declined, including:

  • There are insufficient funds to cover the transaction
  • The card is expired
  • The card hasn’t been activated
  • The daily transaction limit or dollar amount has been reached
  • Security/fraud issues

Please contact our friendly Fox team so we can help you understand the specific issue.

Card Controls, which allow you to set PIN and signature alerts, location-based alerts and controls, usage alerts and controls, and card on/off functions, can be downloaded through the app store compatible with your mobile device. Once downloaded, open the app and enroll. Card Controls can then be accessed through the Fox app.

  1. Log into Fox mobile app
  2. Select “Card Controls”
  3. Choose which controls or alerts you want to activate

You can change your PIN by calling 1-800-992-3808.

If you need to dispute a transaction, contact our Fox team or stop by a Fox location. If you need to dispute a transaction after hours, please call 1-833-388-3284.

General

Our routing number is 275977256. You may also find this number in the bottom left corner of your checks. You’ll also need your 12-digit account number if you want to deposit money into your Fox account, which you can find in Digital Banking or simply by contacting us and requesting it.

Yes! For your convenience all our Fox locations have a coin machine at no charge. So, gather up the spare change lying around and bring it on in.

Yes! Pre-paid debit cards are a perfect way for managing your money, shopping online securely, or even teaching your children about spending. We have three prepaid debit cards options available.

You can visit one of our Fox locations to update your information, log into Digital Banking to update your information under “Settings” > “Manage Contact Info” or call one of our friendly Fox team members.

Please visit the careers page on our website. This page is updated to reflect our current job openings along with instructions on how to apply for each position.

A calendar day refers to every day on the calendar including Saturdays and Sundays. A business day is a calendar day, usually Monday through Friday, where businesses are generally open to conduct business. Federal holidays are not considered business days.

Our Fox branch locations can be found right here on our site. Click on the hours link below the branch location you are interested in visiting to see that branch’s lobby hours and drive-up hours.

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Please note that when you exit our site, our Privacy and security policy is no longer in effect. Privacy and security policies may differ from those practiced by FCCU and you should review the alternate websites' policies. You may cancel moving to the third party website by clicking on "X" to stay on www.foxcu.org

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