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Frequently Asked Questions > General Account Inquiries

General Account Inquiries

What is a Prime Share?
What is the difference between my balance and my available balance?
How can I add or remove a joint from my account?
How do I change my address on my account?
How do I change my PIN on my ATM card?
Are my funds insured?
Why can't I make more than six transfers in one month?
How do I set up direct deposit?
How do I access my account at a shared branch?

ATMs

How do I make a deposit at an ATM?
How much cash can be withdrawn from an ATM on a daily basis?
Can I use an ATM when I travel abroad?

Hold Policy

What is your check hold policy?
Why is a hold placed on my account?
When is the hold released?
Will a check be able to clear my account while my funds are on hold?

Daily Limits

What is the daily limit for withdrawing money from an ATM?
What is the daily limit on uTransfers?
What is the daily limit using my ATM or VISA debit card and my PIN at a merchant?
What is the daily limit when using my VISA credit card to make a purchase and I'm not using my PIN?
What is the daily limit when using my VISA credit card to make a purchase?

General Account Inquiries

Q: What is a Prime Share?
A: A Prime Share is your membership account. It works just like a regular savings account and earns the same interest as other Unitus savings accounts. A $5 deposit opens your Prime Share, entitling you to all the benefits of membership--just as long as a $5 balance remains in your account.

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Q: What is the difference between my balance and my available balance?
A: The balance is the amount of money you have in your account not including pending items that have not cleared; the available balance is the actual amount you have in your account once pending items clear. It's also the full amount that you can withdraw from your account.

If you have a hold on your account, funds are not available for any kind of withdrawal (including VISA check card purchases and check clearing).

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Q: How can I add or remove a joint from my account?
A: To add or remove a joint from your account, you need to complete a Membership Application with updated information. You will also need to have each individual who will be on the account sign the application and each new individual must provide proof of ID. Then simply mail or fax the application back to us!

Unitus Community Credit Union
PO Box 1937
Portland, Oregon 97207-1937
Fax (503) 471-3345

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Q: How do I change my address on my account?
A: To change the address on your account, please fax your signed request to (503) 471-3345 to the attention of Member Services.

You can also send us your request via mail to Unitus Community Credit Union, PO Box 1937, Portland, Oregon 97207-1937.

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Q: How do I change my PIN (on my ATM card)?
A: You can change your PIN at any Unitus ATM or by calling our toll free automated line at (800) 452-0900. Please note that a reference number is needed to do this; your reference number can be found on the letter about your PIN.

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Q: Are my funds insured?
A: Deposited funds at Unitus are insured with the National Credit Union Administration (NCUA), a US Government Agency. Regular accounts are insured for up to $100,000; IRA accounts are insured separately for up to $250,000.

Please contact Member Services for information regarding multiple account holders.

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Q: Why can't I make more than six transfers in one month?
A: Per Federal Reserve Board Regulation D, a member may make no more than six remote transfers (telephone, online, or overdraft transfers qualify as remote transfers) per calendar month from a non-transaction or savings account.

However, a member can make limitless ATM, written, or in-person transfers and loan payments from a non-transaction account. The primary purpose of Regulation D is to protect the Monetary Reserves that must be maintained for the institution with the Federal Reserve System.

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Q: How do I set up Direct Deposit?
A: To set up Direct Deposit, please contact your payroll department with our Routing Number (323075699) and your Unitus account number.

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Q: How do I access my account at a shared branch?
A: You'll need the following three (3) things when you visit a Credit Union Service Center or shared branching location:

1. The name of your credit union
2. Your account number at your credit union
3. A current, unexpired U.S. government-issued picture ID with signature (state issued driver's license or identification card, U.S. passport, City/State/County/Federal identification card or badge or a U.S. Armed Forces identification card).

Have these items ready to present to the teller. This will save you time and will help us better serve you. All transactions require identification. Keep in mind, we only ask for identification because we care about protecting your identity and account information.

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ATMs

Q: How do I make a deposit at an ATM?
A: If you would like to make a deposit in an ATM, you will need to locate an ATM that accepts deposits from Unitus members.

For a complete listing of our network of cooperative ATMs, click here.

Once you have located an ATM that accepts deposits from Unitus, place your deposit in the envelope provided at the ATM and just follow screen instructions!

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Q: How much cash can be withdrawn from an ATM on a daily basis?
A: Up to $300 in cash can be withdrawn in a 24-hour period with your ATM card. Up to $500 in cash can be withdrawn in a 24-hour period with your VISA Debit or Credit card.

Please note that there is a $60 withdrawal limit in a 24-hour period for individuals under the age of 18.

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Q: Can I use an ATM when I travel abroad?
A: Yes, your card will work in the United States and abroad. You'll need to use an ATM that has one of the symbols displayed on the back of your ATM card. Please note that additional fees may apply, based on which financial institutions own the ATM you are using.

For a list of ATMs located abroad, click here.

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Hold Policy

Q: What is your check hold policy?
A: Check deposits are not available on the business day of their deposit. Availability of a check deposit depends on the amount of the check, what kind of check is being deposited, whether the check is from a local source or not and a members' relationship with Unitus.

Any check deposits exceeding $1,000 made at an ATM belonging to another institution will have a five-day business hold placed, including cash deposits.

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Q: Why is a hold placed on my account?
A: VISA check card transactions do not post immediately to your account. The funds from the transaction are on hold (unavailable) until the charge posts. A VISA check card charge either generates a receipt for you to sign or is a transaction done over the phone or online.

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Q: When is the hold released?
A: The funds from the transaction are on hold until the charge posts. Generally, these holds are released within three days.

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Q: Will a check be able to clear my account while my funds are on hold?
A: If you have a hold on funds in your account, these funds are not available for any kind of withdrawal, including VISA check card purchases and check clearing. If there are not enough available funds to cover a check, any available overdraft protection will be used. If not enough overdraft funds are available, the check will be returned.

In addition, Unitus members with accounts in good standing can enjoy Courtesy Pay, which covers a maximum overdraft amount of $100 (within the first 60 days an account has been opened) or $300 thereafter.

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Daily Limits

Q: What is the daily limit for withdrawing money from the ATM?
A: The daily limit depends on what kind of Unitus card you have. If you have a Unitus ATM card, you can withdraw up to $300 in one day (midnight to midnight).

If you have a VISA credit card or debit card, you may withdraw up to $500 in one day (midnight to midnight).

Please note that age restrictions may apply and the maximum daily amount is subject to the available funds.

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Q: What is the daily limit on uTransfers?
A: The maximum daily amount you can transfer between institutions is $5,000.

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Please note that age restrictions may apply and the maximum daily amount is subject to the available funds.

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Q: What is the daily limit when using my VISA debit card to make a purchase and I'm not using my PIN?
A: The maximum daily amount is $3,000 when not using your PIN on a Unitus VISA debit card purchase.

Please note that age restrictions may apply and the maximum daily amount is subject to the available funds.

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Q: What is the daily limit when using my VISA credit card to make a purchase?
A: The maximum daily amount is $10,000 when using your VISA credit card to make a purchase. The maximum daily amount is subject to available funds.

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