FAQs

About United Bay Community Credit Union

• How can I apply for membership at United Bay Community Credit Union
• What is the email address for the credit union?
• What is the fax number for the credit union?
• Where is United Bay Community Credit Union located and what are your hours?
• Who can join United Bay Community Credit Union

Account Questions

• How do I change my address on my account?
• How do I add or remove joint owners from my account?
• How do I sign up for direct deposit?

ATM Questions

• Do I get charged an ATM fee by United Bay Community Credit Union?
• How long is the hold on deposits into an ATM?
• Is there a charge to get an ATM card?

Certificates of Deposit Questions

• What interest rate do you pay on a Term Savings Certificate?
• What is a Term Savings Certificate?

Checking Questions

• What should I do if my checks were lost or stolen?
• Does the credit union put a hold on checks?
• Can I get overdraft protection?
• What are the charges for a checking account?

Debit Card Questions

• What is a debit card? What is a check card?
• Can I use my MasterCard® Debit outside the United States?
• How much am I charged for using my MasterCard® Debit to make a purchase?
• What are the daily limits for a MasterCard® Debit ?
• Is there a charge for a new MasterCard® Debit?
• Who do I contact if my debit/credit card is lost or stolen?

Financial Literacy Questions

• What financial records do I need to save-and for how long?
• How can I establish good credit?
• Is it a good idea to cosign a loan?
• Should I borrow money from my 401(k) for emergency cash?
• Should I buy or lease a car?

General Product and Service Questions

• What is the routing number of the credit union?
• What online/electronic services do you offer?
• Does the credit union offer free bill payment?
• Do you offer mobile banking?
• What type of savings accounts do you offer?
• How can I reorder checks?

Home Banking Questions

• What is my initial home banking password?
• What should I do if my home banking login fails?
• How do I log in to online banking?
• How do I sign up for home banking?

Loan and Credit Questions

• Can the credit union give me a copy of my credit report?
• How can I get a copy of my credit report?
• How can I apply for a loan?
• Do you offer mortgages?
• Does the credit union offer student loans?
• By what methods can I pay on my loan at United Bay Community Credit Union
• What is a signature loan?
• Does the credit union offer business loans?
• How often should I get a copy of my credit report?
• Do you have to be a member to apply for a loan?
• How do I get pre-approved for a loan?
• What type of loans do you offer?

Miscellaneous Questions

• For which utility bills do you accept payment?
• How can I change my address?
• Can I buy or cash in savings bonds at your office?
• Do you exchange foreign currency?
• Do you offer notary services?
• Do you have safety deposit boxes?
• Is my money that I have on deposit at United Bay Community Credit Union insured?
• Does the credit union have any open positions for employment?
• Can my payroll be deposited directly into different accounts?
• How do credit unions differ from banks?
• If a member is under the age of 18, can they apply for a loan, Visa credit and/or Debit Card, or overdraft protection?
• Does the credit union offer wire transfers?
• Does the credit union offer travelers checks and money orders?
• I need to place a stop payment on a check. How can I do that?
• Do you offer business accounts?

Roth IRA Questions

• Can I have both a traditional and a Roth IRA?
• What is a Roth IRA?
• Will I earn interest on my money if I put it into a Roth IRA?
• Who can contribute to a Roth IRA?
• Will my Roth IRA affect the amount that I can contribute to my employer-sponsored retirement plan?
• I am recently unemployed, can I rollover my 401(k) to an IRA?
• How much can I contribute to my Roth IRA?

Security Questions

• What should I do if I think I've been a victim of identity theft?
• What is “phishing”?
• What is "vishing"
• What should I do if my wallet is lost or stolen?