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Other Products & Services

AudioEdge (account access by phone)

AudioEdge is a FREE credit union service that allows you to conveniently complete a variety of transactions from any touch-tone phone. You´ll love the freedom to conduct your financial business anytime from anywhere!

  • Account Access: 24 Hours a Day - 7 Days a Week : (989) 892-6088 or (800) 610-2764 & Press 3
  • Easy: at no additional charge, you can have unlimited access to your accounts 24 hours a day, 7 days a week through any touch-tone phone.
  • Confidential: AudioEdge operates with a personal identification number (PIN).
  • Menu options include
    • Balance Inquiries
    • History Inquiries
    • Transfer
    • Checking Information
    • Loan Information
    • Line-of-credit Advances
    • And More!

To sign up contact our Member Contact Center at (989) 892-6088 or (800) 610-2764 and press 5, or stop in to either branch location.

Direct Deposit

FinancialEdge CCU is pleased to offer its membership Direct Deposit. Direct Deposit eliminates the hassles of cashing your payroll check on pay day and is safer than having a check in hand that can be lost or stolen. SAVE TIME! Sign-up for Direct Deposit today.   You will need:

  • The FinancialEdge CCU Routing and Transit (ABA) Number — 272476844
  • Your FinancialEdge CCU primary account # (Example 123456)
  • Indicate through your payroll provider (form) where you want your electronic deposit placed (i.e. savings or checking)
  • DO NOT add account suffixes to the base account number

To sign-up for Direct Deposit, please contact your employer to see if they offer this service.   Direct Deposits are received electronically on non-holiday weekdays.

Distribution Option:
After your Direct Deposit has taken effect, you will become eligible for an optional FREE distribution service. This service distributes the Directly Deposited funds into other share accounts or as loan payments, as directed by you. No longer will you need to worry about transferring funds to other accounts or make loan payments on pay day. Let FinancialEdge Community Credit Union do the work for you!

For more information, you may reach our Member Contact Center at 989-892-6088 or 800-610-2764 and press 5 for more details.

Go Direct

FinancialEdge backs direct deposit of Social Security payments with Go Direct

FinancialEdge Community Credit Union is pleased to announce our partnership with Go Direct, a national campaign sponsored by the U.S. Department of the Treasury and the Federal Reserve Banks, to encourage people who get Social Security and other federal benefit payments by check to switch to direct deposit.

Direct deposit is simply the best way to receive Social Security and Supplemental Security Income (SSI) payments. Direct deposit eliminates the risk of lost or stolen checks, reduces fraud, helps protect against identity theft and gives people more control over their money. Plus, direct deposit provides people with immediate access to their money from virtually everywhere.

Direct deposit also saves taxpayers millions of dollars. If every current federal benefit check recipient switched to direct deposit, it would save taxpayers about $120 million a year. Almost all the money saved remains in the Social Security Trust Fund – a benefit to all Americans for years to come.

Need help? Stop by our Member Contact Center at either branch location or call 989-892-6088 or 800-610-2764 and press 5 for more details.

VISA Gift Cards

FinancialEdge CCU is pleased to offer members VISA Gift cards* - The perfect gift for any occasion! They're great for weddings, anniversaries, birthdays, graduation or use them for travel in lieu of travelers' checks.

Present your VISA Gift card to any merchant displaying the VISA® logo, sign a receipt, and the purchase amount is deducted from the gift card balance. No PIN needed.

  • Can be used in stores, restaurants, online and more - anywhere you see the VISA logo.
  • You choose the amount; between $10 and $1,000.
  • Available at both FinancialEdge locations in a variety of styles
  • Just $2.95 each

Looking for bulk orders of 25 or more cards at once? We offer discount pricing. Call 989-892-6088 for details.

To obtain a VISA Gift card or for more details, please visit the credit union or call our Member Contact Center at (989) 892-6088 or (800) 610-2764 and press 5.

* This card is issued by MetaBank pursuant to a license from Visa U.S.A. Inc.

Money Orders

Money Orders are available by stopping into the lobby of either FinancialEdge Community Credit Union branch location. Money Orders are cash equivalent and can be used when a personal check is not sufficient. Such instances may be real estate closings, automobile purchases, apartment deposits, mail order, etc.

The maximum amount is $1,000 per order and a small fee may apply. (Refer to our Fee Schedule for a current list of fees.)

Night Drop

FinancialEdge Community Credit Union will process transactions received by mail or night box dropoff on the next business morning. FinancialEdge Community Credit Union can not be liable for lost or stolen transactions. Please allow 5 - 10 business days for a transaction to reach FinancialEdge Community Credit Union by mail.

You may mail your transaction to:

FinancialEdge Community Credit Union
PO Box 446
Bay City, MI 48707

Notary

FinancialEdge Community Credit Union is pleased to offer several notaries on staff and at each of our branch locations. To better assist you in this FREE service, please have the following information available upon your arrival:

1. A valid Driver’s License or picture ID, which MUST contain your signature.
2. The documents to be notarized.

Please note: DO NOT sign the documents before you arrive.

You may reach our Member Contact Center at 989-892-6088 or 800-610-2764 and press 5 for more details.

Wire Transfers

Incoming Wires:
To wire funds to FinancialEdge Community Credit Union, you will need the following information:
Alloya Corporate Credit Union
Southfield, MI 48086-5092
ABA: 272478075

For credit to:
FECCU
Account Number 272476844

For further credit to:
(Member’s Name), their account number with the suffix of -01 for savings and -70 for checking

Outgoing Wires:
To wire funds from FinancialEdge Community Credit Union, members are responsible for obtaining wire transfer instructions from the receiving financial institution. You may then call our Member Contact Center at 989-892-6088 or 800-610-2764 or stop by either branch location.

A signed fax with transfer instructions will be required for requests by phone.

There is a small fee to place each order, please refer to our Fee Schedule for more details.

Member Discount Life / AD&D Insurance from TruStage

TruStage Life Insurance
Designed for credit union members, to help your portect the achievements and aspirations of those who matter most in your life.

What is life insurance?
Life insurance is an important part of a financial safety net you can provide your loved ones in the event of your passing. Life insurance helps provide peace of mind, knowing that your beneficiaries will receive money, when they need it most.

How does it work?
Life insurance pays your beneficiaries money, which can be used for any purpose.

Important times to consider life insurance:

  • Marriage
  • Birth of a child
  • Buying a home or refinancing
  • Planning for college expenses
  • Divorce
  • Changing jobs
     

TruStage AD&D Insurance
$1,000 of insurance coverage is available at absolutely no cost to you. Exclusively for credit union members.

Visit TruStageADD.com or call 1-855-612-7910 to activate this coverage.
This can be a valuable and affordable supplement to life insurance and pays a cash benefit in the event of a covered insury or death due to an accident.

click for more information on how to save

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