If you have a specific question about any of your accounts, you can send a secure message through our online banking portal, give us a call, or chat with us online.
Please contact the Credit Union at 800-247-4364 or stop by your local branch to initiate a dispute on your debit or credit card. We will advise you on the best way to proceed with the dispute. Please contact us promptly, otherwise you may incur increased liability for the transactions.
If you discover your card has been lost or stolen, call the Member Contact Center immediately at 360-695-3441 or 800-247-4364. If you are traveling outside the United States, please call 727-572-7723 to block your card immediately. You may stop at a local branch to receive a new card the same day, or call us during business hours to order a new card by mail.
If you inform us in advance of your travel plans, it will minimize the chance that card services will be disrupted. Call 800-247-4364 or stop at one of our branches to share your travel dates, destinations, and contact information while you are away.
There are limits imposed by Federal Regulation D on the number of transfers you can make from your Savings or Money Market Account. (These are remote or automated transfers without your physical presence at a branch.) The types of transfers subject to these limitations include:
Six transfers are allowed per savings account per calendar month, either to another iQ account or to a third party.*
We are temporarily suspending Regulation D transfer limitations (there is no cap on transfers from your savings account at this time).
All deposits are different. Some deposits take longer to clear, depending on the type of deposit and the time the deposit is made. For deposits made at a branch or by mail, any delay is counted in business days from the day of deposit. For example, if a deposit is made after hours, the deposit won’t be considered until the next business day.
If you make a deposit at an iQ Credit Union ATM:
(Note that some exceptions apply. Please see the Membership & Account Agreement for complete details.)
If you make a Mobile Deposit:
A new check order may be placed by:
A re-order may be placed by:
On balances of $0 - $25,000.00, dividends are earned at the full percentage ( currently 6.00% annual percentage yield (APY)) if monthly requirements are met.
On balances exceeding $25,000.00, dividends are earned at APY if monthly requirements are met.
Dividends are earned at APY if monthly requirements are not met.
The qualifying period is the last day of the previous month through the current month's next to last day.
You can change your name in person by visiting any of our branches or by calling 360-695-3441. You will be asked to provide legal proof of your name change (i.e., marriage license, court document or government-issued ID), as well as sign for the name change request.
Drive-up is intended for those quick, easy transactions! Here are some of the things we can assist you with:
We would be happy to assist you with the following items in branch:
Due to the complexity of some requests, you may be asked to come inside the branch to complete your transaction.
Please visit the Co-op Shared Branching website to search locations:
Be sure to phone the location you wish to visit ahead of time to ensure they can assist you with your transactions.
You can update your account address in person by visiting any of our branches, or by telephone at 360-695-3441.
Yes, we can perform notary services for members and non-members, free of charge. You must have valid, government issued ID.
Yes, we can perform signature guarantee services for members only. There is no charge for this service.
Starting Aug. 1, 2023, nonsufficient fees will operate differently; if your account lacks sufficient funds to cover a transaction and you have not opted out of Courtesy and Card OD with no available source of overdraft protection, we will not pay the item and we won’t charge you a nonsufficient funds (NSF) fee. Previously, if transactions exceeding your balance were not paid, you would incur an NSF fee.
You also won’t be charged a returned item fee if someone else writes you a check and it is returned unpaid.
As a member-focused credit union, we continually review our policies to ensure they are fair and beneficial. The changes reflect our commitment to transparency and helping our members avoid unexpected costs. Technology is changing, which reduces some of our manual processes. Now we’re passing these savings on to our members.
Just log into your account online or on our mobile app and navigate to your account statement. This will show any fees you've been charged. The fee schedule is available online and mailed with disclosures. If you need help to understand these fees, just give us a call!
NSF stands for "nonsufficient funds." This is a fee some financial institutions charge when a transaction you make exceeds the available balance and they do not pay the transaction. Notices are also sent when fees are charged. iQ Credit Union does not charge this fee.
This fee comes into play when you use our overdraft services. An overdraft fee is a charge a financial institution imposes when a customer's account has insufficient funds to cover a transaction, but the transaction is still paid.
Good question! Both these fees relate to not having enough funds in your account. The NSF fee happens when a transaction cannot be paid due to a lack of funds, and the overdraft fee occurs when we pay a transaction for you that exceeds your available balance.
The major difference between the two is what happens to the transaction. With an overdraft, your transaction is paid even though your account balance is too low, while with an NSF, the transaction is not paid.If you are unsure of your current overdraft selections, you will need to contact iQ Credit Union to determine what coverage is best for you.
The best way is to keep a close eye on your account balance. Make sure there's enough in your account to cover your transactions. Budgeting well and regularly checking your balance can help avoid surprises. Setting up regular balance alerts in the Digital Branch to keep an eye on your balance is a great way to avoid overdraft fees as well. You can also set up a transfer from a savings account, credit card, or loan to cover your accounts.
Our Member Perks are our way of saying thank you for being part of iQ Credit Union. As part of this program, enrolled members can take advantage of one courtesy overdraft fee reversal per year, adding an extra layer of financial protection.
We totally get it—finance can be a complicated business! You can always reach out to our helpful member service representatives. They'll be happy to answer any additional questions you might have.