To open an organizational account, please visit a branch.  You will need to provide the following:

• A letter, on USF letterhead, from the Center for Leadership and Civic Engagement stating that the organization is affiliated with USF.  The letter must list all officers needing to be placed on the organizational account as authorized signers.  
• A copy of the organization’s meeting minutes, identifying the persons authorized to be signers on the account.
• A letter from the IRS stating the Tax Identification Number or Employee Identification Number.

You may instruct your employer to split your payroll direct deposit between different accounts, if they allow.  You may also set up automatic recurring transfers within online banking, to coordinate with payroll, to transfer some of your deposit into other accounts with the credit union.

There is no fee when using a USF FCU owned ATM or any of the 30,000 Co-Op network ATMs across the US. You can find locations nearest you by searching through mobile banking or our website.

If you use an ATM outside of our fee-free ATM network, you will be assessed a surcharge. Please see our schedule of fees for the current charge.

Yes, we offer savings and checking for Sole Proprietor, General or Limited Partnership, Corporation and LLC business types.

We are sorry to hear that you are considering closing your account. Your written notice of closure may be provided in person at one of our branch locations, by mail, by email, or by fax, and should include a legible copy of an unexpired government issued ID. Account closure requests may also be securely submitted through online or mobile banking. Subaccounts may be closed at your request and at the discretion of the Credit Union without written notice.

You can add or remove a joint by either calling member services or visiting a branch. To add a joint member to your existing account in-branch, the joint must be present with photo ID. If adding the joint over the phone, we will need a copy of their driver’s license, a valid email address for both members and will need to speak to them to complete a membership application to add them to the account.

You may easily update your mailing address through online banking. Once logged in, select Settings in the top right corner (on the website) or select Settings on the mobile app by clicking on the toggle at the top left. When you are in Settings, choose Contact. You will be able to update your personal information online or on the mobile app.

You can find your account number by clicking on Accounts, choose the account (checking, savings, etc.), and go to 'Account Details' (or 'Details' on the mobile app). You can also find by referring back to the welcome letter included with your account opening documents. 

Please initiate direct deposit through your employer or originator of the direct deposit.

You will need to know the following: our routing number: 263183159 (located at the bottom of our website) and your account number.

To find the account number you will use for direct deposit, log into online banking, select the 'Accounts' widget, choose the account (checking, savings, etc.), and go to 'Account Details' (or 'Details' on the mobile app).

Funds from deposits made at an ATM not owned or operated by USF FCU will be made available on the fifth business day after the day of deposit. This hold applies to cash and check deposits made at an ATM. All checks for new members (accounts less than 30 days old) are subject to a 7 business day hold with no funds being immediately available. Please refer to the Special Rules for New Accounts section of the Universal Account Agreement that was provided when your membership was opened.

Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government. The credit union provides up to $250,000 more in private insured coverage through Excess Share Insurance Corporation (ESI) for a total up to $500,000. 

In addition to the traditional primary savings account; we offer secondary (special) savings, holiday savings, money market savings, IRA savings and share certificates. Find details about our savings options here.