Account Status

• How long can I let my account go without making a deposit or transaction?
  • Accounts are flagged as inactive when the account has no member activity for one year.
• I've received a message that my account is inactive. What does that mean?
  • Accounts are flagged as inactive when the account has no member activity for one year. Inactive accounts with a balance less than $1000 are subject to a service charge at the end of each month.

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ACH/Payroll/Direct Deposit

• How do I handle an unauthorized ACH withdrawal?
  • Contact the credit union for help at (407) 303-1527. You will need to fill out the appropriate form. The original must be received at a service center or by mail at 601 E Rollins Street Orlando, FL 32803.
• Why hasn't my deposit been posted yet?
  • Contact the credit union for help at (407) 303-1527. In most cases the credit union has not yet received the funds from the depositor.
• Can I set up an auto pay for a loan?
  • Yes. You may request this at any branch location.
• What is the ABA (routing number) for Florida Hospital Credit Union?
  • The routing and transit number (or ABA) is 263181287. This number can be used for all electronic transactions including direct deposit and automatic withdrawals.
• What is Regulation D?
  • Regulation D (Reg-D) is defined as a transaction that is done without a member present at a branch or ATM location. This regulation limits you to six Reg-D transactions per month from each share savings account.
• My Direct Deposit falls on a holiday. Will I get my deposit?
  • Days on which are not considered a “business day”, (i.e. Saturday, Sunday, Federal Holiday), any electronic deposits sent will not be received or posted to your account. Typically, the employer processing your electronic deposit will provide an “effective date” that your deposit will be received and posted. Please contact your employer to determine the effective date used.
• When do direct deposits post to my account? When do Automatic Clearing House (ACH) withdrawals post to my account?
  • It is a common myth that direct deposits “hit your account at midnight”. Actually, direct deposits are posted to your account by 9 am the morning the funds are expected, except in situations beyond our control. ACH withdrawals can post at any time throughout the day so it is important to have the funds available in your account before authorizing an ACH payment.
• When do I use my 10-digit account number and when do I use my 5-digit account number?
  • Your 10-digit account number (90000+your 5-digit account number assigned by the credit union) must be used for check items, including electronic checks. Your 5-digit account number is generally used for any activity within the credit union and direct deposits to your savings. We utilize the shorter number to make it easier to remember. If you have a long-established account with less than a 5-digit account number you will need to add an extra zero after the “90000” in order to use your 10-digit account number.

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ATM

• Is there a maximum amount that may be withdrawn from an ATM in one transaction or within a certain time period?
  • The maximum amount you may withdraw from an ATM using a Florida Hospital Credit Union Visa Debit Card is $400 within a 24-hour period.
• What should I do if my Visa Debit Card was lost or stolen?
  • To report a lost or stolen Visa Debit Card please call 800-472-3272.
• Can I make deposits at ATM CU 24 locations?
  • Members can make ATM deposits at Florida CU24 machines that accept deposit envelopes. You can locate an ATM at http://www.cu24.com/index2.html.
• Which ATM's can I withdraw from with no fee?
  • Members can withdrawal from any Florida Hospital Credit Union ATM machine without a fee. Members also receive free transactions at CU24/CUHere machines.
• What is the maximum amount that can be deposited via an ATM machine?
  • There is no max set for Florida Hospital Credit Union; however the ATM machine may have its own limit.
• Are ATM deposits subject to holds?
  • Yes, all deposits made via the ATM are subject to holds.

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Auto Loans

• What rate/term will I receive on a new/used auto loan?
  • Rates on new or used auto loans are determined by your credit worthiness. The rate will be quoted within a certain range based on beacon score.
• What does Simple Interest mean?
  • The method of computing interest on a principle sum where the interest rate is applied only to the original amount. When a loan payment is made on a loan, the interest due since the last payment will be paid first. The difference will go directly towards principle. On a Simple Interest loan there are no pre-payment penalties.
• How do I find information about my current automobile loan?
  • There are several resources for you to access your loan information. You may call the credit union at (407) 303-1527. You may call our Maxxar system twenty four hours a day, seven days a week or login to your account online.
• What is Payment Protection on an automobile loan?
  • There are two different types of payment protection available: Credit Life Insurance pays off the balance of the loan in the event of death. Credit Disability will make the payment on the loan after 30 days if you are unable to work due to sickness or accident. Click for more information for Credit Life/Disability.

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Auto Wholesale Direct

• How does Auto Wholesale Direct work?
  • AWD locates vehicles for credit union members. The member tells AWD what type of vehicle they are looking for and they locate the best car at a great price. Once AWD locates the vehicle, they arrange a time for you to preview it at their office in Winter Park. The member may test drive the vehicle and take it to a 3rd party mechanic. Sign the paperwork and drive-off happy. It's that simple.
• What type of cars does AWD sell?
  • AWD locates both new and pre-owned vehicles. All AWD vehicles come with a Vehicle History Report and are inspected for signs of an accident.

• How much can I save?
  • AWD usually saves the member from $1,500 to $3,000 or more on pre-owned vehicles. On new cars, their prices are the lowest in town and you don't have to waste a day negotiating with a salesman.
• Does AWD take trades?
  • Yes. They sell cars at a wholesale price and take trades on a wholesale price. They will not play the numbers games that typical dealers play.

• What warranties do AWD vehicles have?
  • All AWD vehicles have the remainder of the factory warranty. The credit union offers great deals on GAP and extended warranties for any vehicle.
• Do I need to be pre-approved?
  • AWD prefers that you be pre-approved before we begin to locate your vehicle. This will expedite the car buying process. You can click here to apply for your auto loan.

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Maxxar (Automated Telephone Access)

• How do I sign up?
  • You may sign up at any branch, or over the phone.
• What number do I call to access Maxxar?
  • 1-866-303-9596.
• What services does it offer?
  • It offers a variety of services including accessing your account via telephone in English or Spanish. You may obtain balances, make transfers, loan payments, and deposit/withdrawal activity on any of your sub-shares.
• How much does it cost to use?
  • Maxxar is a FREE 24-hour service.
• Does this count as a Reg-D transaction?
  • Any Maxxar transfer, other than from a checking account, counts as a Reg-D transaction.
• Can I access all of my accounts using Maxxar?
  • Yes. You will be able to access each suffix that is under the user id that was entered when logging in. If you have multiple accounts then you will need to login in separately to access those accounts.
• What does it mean when it asks for my suffix?
  • That is the code assigned to your sub-shares to identify the type of account that you are wanting to access.
• Am I able to transfer from one account to another account?
  • Yes, if your accounts have been set up for cross-account transfers.
• Is it safe to use the Maxxar system?
  • Access to your accounts requires use of a Personal Identification Number and is otherwise secure. Be sure never to make your PIN available to anyone.

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Visa Debit Cards

• Where can the Visa Debit Card be used?
  • You are able to use your card anywhere a VISA symbol is posted plus over 1 million ATM machines worldwide.
• Is it secure?
  • Yes, within a week after you have received your card, you will receive a four-digit PIN (Personal Identification Number) in the mail. As long as you never give out your PIN your card will be secure.
• How can it save you money?
  • You'll save money by reducing the amount of checks you have to purchase.
• Is there an annual fee?
  • There is no annual fee. Normal ATM fees may apply. There is a reordering fee and a replacement fee for a lost card.
• How can I check the availability of my funds after doing debit card transactions?
  • Not all transactions post immediately, so keep good records of all transactions. You can also access your accounts via online, Maxxar, Member Services at (407) 303-1527, or visit any branch location.
• How long are holds placed for DEBIT items?
  • Holds are placed for up to 72 hours (3 days.)
• Are holds ever released before DEBIT items post?
  • Yes, Florida Hospital Credit Union will only hold a DEBIT item up to 72 hours. If a merchant does not send the DEBIT item in within those 3 days Florida Hospital Credit Union must release the funds. Once received, Florida Hospital Credit Union pays the item regardless of the balance at the time the item is paid.
• Can I stop payment on a DEBIT card transaction?
  • No, stop payments can not be placed on DEBIT items.
• What should I do if my Visa Debit Card or ATM card was lost or stolen?
  • To report a lost or stolen Visa Debit Card please call 800-472-3272.
• What happens if I see something on my account that I did not authorize?
  • You will need to report your card in as comprised by calling 800-472-3272. Once you have reported your card please visit any branch location to fill out the proper paperwork.
• If I use my Debit Card to withdraw funds from an ATM machine, am I limited in how much I can withdraw cash?
  • The maximum amount you may withdraw from an ATM using a Florida Hospital Credit Union Visa Debit Card is $400 within a 24-hour period.
• Can this limit be increased?
  • You will need to visit any branch location to request a increase.
• Is there a daily spending limit on my debit card (when used as a Visa)?
  • Visa debit card authorizations will be limited to $1,000 in transaction authorizations per calendar day. This will affect signature-based transactions.
• My card is expiring. How do I get a new card?
  • A new card will automatically be sent to the current mailing address listed on your account. The card will be valid until the last day of the expiration month
• How long does it take to receive a new card?
  • Your new card should arrive in 7-10 business days.
• My card is not scanning. Can I order a new one?
  • Yes. You may visit any branch location to place your reorder. There is a reorder fee.
• How do I get my PIN number?
  • If you recently received a new card, the PIN will be received in the mail in a separate envelope a few days later. If you need a new pin, then you may request a pin mailer at any branch location. There is a pin replacement fee.

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Certificates of Deposit

• What are the current rates?
  • Click Here.
• What annual percentage yield will I receive?
  • If the certificate dividends are added to the balance of the CD each month, at the end of one year you will receive the higher APY. If the certificate is shorter than one year, you will earn a portion of the APY. The APY is automatically calculated.
• What are the terms and conditions?
  • Nothing contained in this agreement shall be construed so as to make the Certificate of Deposit a demand deposit, and we reserve the right to require at least 60 days written notice of an intention to withdraw any funds represented by this Certificate of Deposit. The notice time may be increased according to our bylaws or under applicable laws. You will receive a receipt for the funds deposited into the Certificate of Deposit Account along with a Certificate of Deposit. The receipt and certificate outline the terms and conditions of your Certificate of Deposit. The ownership of the Certificate of Deposit Account will be determined by the names shown on the receipt. In addition to other information, the receipt will state the maturity of the Certificate of Deposit and the APY. Each Certificate of Deposit shall be automatically renewed for successive periods, each equal to or less then the original term of the Certificate of Deposit, until it is presented for payment on any Maturity Date or until we give written notice of our election to call the Certificate of Deposit for payment on any Maturity Date by mailing notice of such intention to you at least ten days prior to such Maturity Date.

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Changing Account Information

• How do I update my address?
  • Your request can be made by visiting any branch location or can be submitted in writing to: 601 E. Rollins Street Orlando, FL 32803 ATTN: Member Services.
• How do I change my phone number on my account?
  • You can update your contact information by calling (407) 303-1527. It can also be changed by visiting any branch location.
• How do I change my name on my account?
  • The credit union will need to obtain copies of all the legal documentation for the name change. In addition, an updated membership application will need to be signed with a contact information form. Please call (407) 303-1527 or visit any branch location for assistance.
• Can I change my account address or phone number online?
  • Account information can not be changed online for security reasons. Address and phone numbers can be changed at any of our branch locations, or by calling (407) 303-1527.

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Check Holds

• Why was a hold placed on my deposit?
  • There are many reasons why a hold might be placed on a deposit. Holds are often placed on unusual checks, deposits for large amounts, and any deposit that could be a risk to the member and/or the credit union. Check holds are left to the discretion of the employee accepting the deposit and their supervisors.

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Credit Cards

• What is the grace period for purchases?
  • The grace period for purchases is 25 days.
• Is there a late fee charge?
  • If you are ten (10) or more days late in making a payment, a late charge of $25 will be added to your account.
• How does Florida Hospital Credit Union calculate the payment amount and set up due dates?
  • The minimum payment is 2% of your total new balance, or $20, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. The due date on our credit card is the 2^nd of each month.
• How do I increase my credit card limit?
  • To obtain a credit card limit increase, you will need to sign an increase form and provide your most recent pay-stub. Please visit any branch location.
• My credit card has been lost or stolen. Whom should I call?
  • 1-800-338-0566
• I just got my new card. What's the number for card activation?
  • 1-800-338-0566
• Do I still have to pay the minimum balance, even though I over paid last month?
  • Yes. Once the minimum monthly amount is taken the remainder goes to the principal (which reduces the balance). The minimum balance is still due the following month.
• Where do I mail payments to?
  • You may mail in your payments to P.O. Box 3080 Tallahassee, FL 32315-3080. Please be sure to make the check payable to Florida Hospital Credit Union.

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Credit Disputes

• How do I dispute something I found on my credit report?
  • You can dispute a report through a credit reporting agency or submit a signed letter in writing to the credit union stating what you are disputing. Below are the agency that you may dispute through:
    • Equifax
    • Transunion
    • Experian

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Decedent Procedures

• Do I have to have the Death Certificate?
  • Yes. In addition the copy must be certified.
• Do I have to close the account?
  • No, the account can remain open as long as a personal representative is working with the account.
• When can I remove the name off the account?
  • Anytime, although it is recommended to leave the name on the account for at least 1 year, for tax reporting purposes, and to negotiate any other checks that may come in.
• What do I do about the direct deposits coming in?
  • You will need to contact each company sending in a deposit to notify the originating companies.
• How does the Payable on Death representative get notified?
  • Florida Hospital Credit Union does not notify anyone in this instance. The credit union must wait for the Payable on Death representative to come forward.
• How much time has to elapse before we can make any changes to the account?
  • None. Once the credit union receives the Death Certificate, proof of beneficiaries and/or a Letter of Administration, changes can be made to the account.
• What documents are required to close the account?
  • Certified copy of Death Certificate and documentation from the party closing the account indicating they have the right to take such action.
• What do we do with checks received after the death? Can we still allow them to be deposited into the account?
  • Yes. This is why the credit union advises leaving the name on the account for 1 year after death.
• What if a loan is on the account? What is the process?
  • The credit union will need a certified copy of the Death Certificate with the cause of death showing. If no insurance is on the loan account, you may still send the death certificate to the Credit Union to file a statement of claim to the estate.
• My relative passed away without a will or an estate. Can I cash their IRS check for the sake of their children?
  • Please contact the IRS to request a reissue of the check for the benefit of the children. You may need to have (court) documentation that you are the temporary guardian of the children. If you call the local IRS Office, they should provide some assistance.

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Florida Hospital Credit Union Online

• How do I access Florida Hospital Credit Union Online?
  • If you are already set up for Florida Hospital Credit Union Online, simply enter your User ID(account number) and click on the "Log In" link. You will then be asked to enter your password. New users can complete our "Self-Enrollment" form. Members can also sign up for Florida Hospital Credit Union Online at any branch location or by phone.
• When is Florida Hospital Credit Union Online available?
  • Florida Hospital Credit Union Online is available 24-hours a day, 7-days a week. This service may be interrupted periodically when we perform system maintenance. If we anticipate a lengthy down time, we will post an alert notice on our home page to inform members of when the system will return to service.
• Can anyone else access my account information?
  • No. Your online account information is available only through access methods that have been rigorously tested for their secure access. The information is not public. Only you can access it using your User ID and Password. Unless you share your Password, no one else can access your account information online.
• What transactions are available via Florida Hospital Credit Union Online?
  • With Florida Hospital Credit Union Online, you will have access to all of your accounts at the Credit Union including loans. In addition, you will also be able to perform all of the following transactions:
    • Transfer to or from Checking or Savings
    • Transfer from Checking or Savings to Loan
    • Transfer to your Florida Hospital Credit Union Credit Card
    • Review account history or loan history
    • View images of cleared checks from your account history
• What are "cookies"?
  • Web sites use cookies to simulate a continuous connection to that site. This makes it more convenient for users by allowing them to visit pages within a site without having to reintroduce themselves with each mouse click. Contrary to popular fears and misconceptions, cookies were not created to spy on or otherwise invade the privacy of Internet users. Cookies contain only information that users volunteer, and they do not have the capability of infiltrating a user's hard drive and sneaking away with personal information. The simple function of a cookie is that of helping the user navigate a web site with as little obstruction as possible. Cookies are small data structures used by a web site (server) to deliver data to a web client (user); request that the client store the information; and in certain circumstances, return the information to the web site. Web sites can thus "remember" information about users to facilitate their preferences for a particular site and allow the use of user passwords. The web site may deliver one or more cookies to the client. The client stores cookie data in one or more flat files on its local hard drive.
• Is there a fee to use Florida Hospital Credit Union Online?
  • Florida Hospital Credit Union Online is a FREE service to all members of the Credit Union.
• How do I get a Password?
  • When you sign up online, at one of our branch locations or over the telephone, a temporary password will be assigned to you. You will be required to change the temporary password the first time you log in.
• How many transfers can I make?
  • You are permitted six (6) Reg D transfers per month from each of your various savings accounts. There is no limit to the number of transfers from your checking account.
• What if my computer crashes?
  • If your computer crashes or becomes inoperable, you will still be able to perform transactions either from another computer or via Maxxar at (866) 303-9596. You may also contact any branch location at (407) 303-1527.
• What is Multi-factor Authentications (MFA)?
  • Multi-factor authentication is the use of more than one factor or criterion for validating a consumer's identity and authenticating a consumer's access to electronic services.  As compared to a single-factor authentication approach, such as requiring only a password, multi-factor authentication involves more than one of the following types of factors:
    
    • Something the consumer knows (e.g. a password, PIN, or personal information)
       
    • Something the consumer has (e.g. a magnetic card, key, or token)
       
    • Something the consumer is (e.g. biometrics such as fingerprints or facial features)
       
    • Something the consumer does (e.g. physical activities such as a written signature or typing pattern)
       
    • Where the consumer is (e.g. the profile of a PC)
       
• How will it work?
  • You will complete a simple, one-time enrollment process the first time you log into the enhanced system.
  • You'll select a picture from an online library of images; the image will be displayed to you on future Online Access logins. The image is known only to you and the credit union.
  • You'll enter a word or phrase that will be displayed along with your image when you login. The text phrase is known only to you and the credit union.
  • You'll select three "Challenge Questions" and provide the answers to the questions.
  • Logging into Online Access
    After enrollment, when you log into Online Access you'll enter your User ID. Then, we'll show you the picture and text phrase you selected. If the image and phrase shown to you are correct, you'll continue with the login and enter your password. This is your assurance that you are logging into the legitimate FHCU home banking web site, since no one else knows your image and text phrase – only you and us.
• What is a Challenge Question?
  • Challenge questions will only be displayed if you log into Online Access from a different computer than you used when you enrolled. If we don't recognize the computer, we will double check that it is really you. This is another layer of security designed to protect your account from unauthorized access if your account information is stolen, and help us identify you when you are logging into Online Access from an unknown computer. You'll have the opportunity to “register” computers you regularly use to access your online account. Once you successfully answer the question, we'll show you your picture and phrase.
  • This enhanced security will not require you to have any additional hardware or software for your computer. All of the identification and validation takes place behind the scenes – creating a silent but secure login.
  • The protection of your financial information and the security of your online transactions are very important to us.
• How do I sign up for E-statements?
  • Go to Preference and click on statement selection. Change US mail to electronic and click continue. Confirm the change by clicking on yes.

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Florida Hospital Credit Union Online Log in Problems

• Don't have a Password?
  • New users can complete our "Self-Enrollment" form. Members can also sign up for Florida Hospital Credit Union Online at any branch location or by phone.
• I can't log into Florida Hospital Credit Union Online. What are my immediate alternatives?
  • In addition to Florida Hospital Credit Union Online, there are several ways to access your account.
    • Maxxar
    • Any branch location
    • ATM

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Interest & Dividend Calculation

• How are dividend rates determined?
  • Dividend rates on your Main Share account are set by our Board of Directors. Certificate of Deposits (CD) and Money Market rates may change at any point. All other share account rates may change monthly.
• What is the difference between APR, APY?
  • The government's Truth-In-Savings Regulations requires financial institutions to disclose information on rate, APR and APY on interest-bearing accounts: Rate provides a calculation of how much dividends will be earned if the principal amount does not increase (i.e. dividends are not added to the initial principal). Annual percentage yield (APY) is a rate that reflects the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period.
• How much interest did I earn last year?
  • The amount of interest you earned for the past year can be found on your December statement.
• Why didn't I receive Tax Form 1099?
  • If you earned less than $10 in interest for the year it is not reported to the IRS and therefore you will not receive Tax Form 1099.

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Loan Applications

• How can I apply for a loan?
  • Click Here.
• When an individual refinances their car, do you refinance the car at Kelley Blue Book price or do you take the current loan and add a lower interest rate?
  • Please visit one of our loan officers at any branch location. Many different factors are considered for refinances, including the member's credit information, and the value of vehicle in the N.A.D.A book.
• When you get married does your spouse's credit affect your credit?
  • After you are married, your spouse's credit will remain under his or her own name. If a married couple applies jointly for a loan, then both credit profiles are considered for that loan. Your credit file will not be affected by your spouse's credit, unless you apply for a loan under both names.

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Member Services

• How do I contact the Credit Union?
  • We provide our members with a convenient method of obtaining information and credit union services. There are four main methods of serving our members.
    • In person at any branch location.
    • By mail at 601 E. Rollins Street Orlando, FL 32803.
    • By phone 407-303-1527. Members can request transactions, services, information or have problems resolved.
    • Via email.
• Why do I wait so long on the telephone?
  • Currently there is no call-center for Florida Hospital Credit Union. This means that your phone call is being answered by someone on the teller line who are also assisting members in front of them.
• What hours are you open?
  • Click here.
• Where can I find more contact information?
  • Click here.
• I need to change my address on my account. What should I do?
  • You may visit any branch location or call us at 407-303-1527 to change your account address. For security reasons, we do not accept address change requests online.

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Membership Eligibility

• Can a family member who lives out of state join the credit union?
  • Yes. Immediate family members are eligible wherever they live.
• Do you need to see the social security card?
  • Yes, you will need to present your SS card or a current pay stub with the correct SSN.
• If I no longer work for the hospital will I still continue to be eligible to be a member?
  • So long as you do not close your accounts, you will be able to remain a member of Florida Hospital Credit Union. If you close all of your accounts, and wish to open a new one, then you will need to meet the eligibility requirements at that time.
• Where can I find more information about eligibility?
  • Click here.

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Money Orders

• What is the highest dollar amount you can sell a Money Order for?
  • $1000.00 - If you need a higher amount an official check will have to be issued.

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Official Checks

• How long is the check good for?
  • The check will be good for 90 days.
• Why is there a $3.00 charge to buy one?
  • The cost of processing and maintaining these types of checks is an expense which must be covered by the fee.
• Why does the check have to be written to someone? I would like to fill it out myself.
  • If you purchase an official check it must be made payable to someone, however, you may purchase a money order and fill it out yourself.
• If I don't use this check, how do I get my money back?
  • If you don't use the check, you may bring it back and redeposit it to your account.

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Opening Accounts

• How much does it cost to open an account?
  • There is no cost to open the account, however, there is a minimum deposit required to open a new account of $25.00 which will be deposited into your primary savings account and remain there until the account is closed.
• Once my account is open what is the ABA or routing number so that I can set up a direct deposit?
  • The routing and transit number (or ABA) is 263181287. This number can be used for all electronic transactions including direct deposit and automatic withdrawals.
• What is the difference between a credit union and a bank? Why should I join a credit union?
  • There are many similarities and differences between credit unions and banks. These qualities may not be readily apparent because both types of businesses are part of the financial industry, offer similar products, and are federally insured.
    
    One of the main differences is that credit unions are democratic cooperatives and are non-profit organizations. The Board of Directors for credit unions are comprised of volunteers. Banks are for-profit organizations. The Board of Directors for banks are generally comprised of the majority shareholders.
    
    The benefit for members of credit unions is that the more people that participate in a credit union, the more benefits the individual member can receive. This also means that each member must pay their fair share for services. Banks will charge fees to earn a profit. Credit Unions charge fees to cover the expenses of doing business. That's why, in many cases, there are lower and fewer fees, and better rates at credit unions. Florida Hospital Credit Union also does not hide fees or charge them unexpectedly. All of our fees are published and can be found on our website by: clicking here.
    
    Credit Unions are also all about "People Helping People." You'll find that good service values and a strong sense of ethics is the backbone of most credit unions. When Florida Hospital Credit Union offers or sells products to members, the goal isn't to make a profit, or take advantage of someone. Member Service Representatives at Florida Hospital Credit Union are trained to offer products and services that will benefit our members. They do this by listening to the member and focusing on providing the best possible solutions.
    
    If you are deciding between a joining a bank or Florida Hospital Credit Union, it is a good idea to compare the services and qualities of each financial institution that will best suit your needs. An excellent source to do so is to use our website, http://www.fhcu.cc/.

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Personal Loans

• How does someone qualify for a personal loan?
  • Qualifications for personal loans are based on a member's ability to repay, their length on job, as well as past and current credit.
• What is the minimum and maximum amount of a personal loan that can be taken?
  • $500 minimum and $20,000 maximum.
• What is a qualifying debt ratio for personal loans?
  • Depending on credit the max can be 55%.
• What is the range of interest rates on personal loans?
  • 9%-18%

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Rates

• Where can I find saving rates?
  • Click here.
• Where can I find loan rates?
  • Click here.

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Share Accounts

• Why do I have to open a savings account if I only want to open a checking account?
  • A Credit Union is a financial cooperative organized by people who share a common bond. Members pool their assets to assist others in their cooperative. At Florida Hospital Credit Union our Board of Directors published rules in our by-laws that every member must have a savings (share) account with at least five shares ($25.00) making you a member of FHCU for life. This $25 deposit gives you the opportunity to have other services with FHCU including Checking accounts, loans, and credit cards.
• What fees are going to be charged to me?
  • Fees are dependent upon the services which are used. Many of our products and services are free to members. Please click here to view our fee schedule.
• Why do you call it "share account" when I asked to open a savings account?
  • Share is a Credit Union term. It is a given amount of money a person deposits with a Credit Union to become a member, which confers ownership rights, has a stated par value and pays dividends. Years ago the banking industry prevented Credit Unions from using the terms savings and checking. Credit Unions used the terms "share" for savings and "share draft" for checking. A share account is the basic savings plan of the Credit Union.
• If I don't have enough money in checking to clear a check does the credit union transfer the money from my $25.00 in savings?
  • No. Any funds above the required $25.00 in savings are available for overdraft protection for items attempting to clear your checking account however the minimum $25.00 will remain on hold.

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Stop Payments

• How do I place a stop payment?
  • You may place a stop payment at any branch location or by calling Member Services at 407-303-1527.
• How do I place a stop payment on an electronic item (i.e. ACH)?
  • You will need to visit any branch location to fill out the necessary paperwork.

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Transfer Limits/Regulation D

• What is Regulation D?
  • Regulation D (Reg-D) is defined as a transaction that is done without a member present at a branch or ATM location. This regulation limits you to six Reg-D transactions per month from each share savings account.

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Wire Transfers

• How do I send a wire from Florida Hospital Credit Union?
  • Contact the financial institution receiving the wire transfer. Request complete wiring instructions for that financial institution. (If the financial institution is outside the United States, make sure to inform them that this will be an “International Wire” and ask if there will be a secondary bank involved.)

Visit a Florida Hospital Credit Union branch in person. We do not accept wire transfers by phone. Click here for a list of branch locations. Request to send a wire transfer. Provide the other financial institution's wire instructions, your account, and the amount to send to a Member Services Representative (MSR). The MSR will verify the transaction and instructions and then debit your account for the amount of the wire and the fee. The wire is sent to the Federal Reserve, who then credits the receiving financial institution.

• How long does it take a wire transfer to reach its destination?

• The amount of time varies on many factors. Wires may take up to 24 hours for domestic (within the U.S.A.) transactions. The receiving institution may not post wires after a particular time. International wires may take days or weeks to reach their destination.
• How much do we charge for wire transfers?
  • Click here.
• When can wire transfers be sent or received?
  • Wire transfers are sent out between 9 a.m. and 12 p.m. Monday through Fridays. Incoming wires are received until the end of the business day. Wires may be delayed till the following business day depending on when it was received. Wires cannot be received or sent on any Federal Holidays because the Federal Reserve is closed.
• When will I receive an incoming wire transfer?
  • Depending on the time of receipt Florida Hospital Credit Union posts wire transfers the same day of receiving them. Wires may be delayed till the following business day if received to late in the afternoon. Funds are immediately available on wire transfer deposits.
• What information do I need to provide to send a wire transfer?
  • Wire instructions will vary for each receiving financial institution. Wire instructions are often complicated and may require information for more than one financial institution. International wire transfers must always include information for the U.S. financial institution that corresponds with the international financial institution.
• What is the Florida Hospital Credit Union ABA / routing number?
  • The routing and transit number (or ABA) is 263181287. This number can be used for all electronic transactions including direct deposit and automatic withdrawals.
• How do I send a wire to Florida Hospital Credit Union?
  • In order for your account to be credited correctly and in a timely manner please use the following instructions for a successful wire transaction.
    
    
    • Southeast Corporate Federal Credit Union
      P.O. Box 3008
      Tallahassee, FL 32315-3008
      ABA or Transit & Routing # 263-189-069
      FOR: Florida Hospital Credit Union
      Account Number 263-181-287
      Further Credit to: Account holder name and account number
       

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