FAQs

To assist you, we have compiled a short list of the most frequently asked questions and answers. We trust that these questions and answers will respond to your concerns.

Q. What are your hours of operation?
A. Our different branches have different hours. See our locations page for current information.

Q. What is the monthly fee for savings and checking?
A. Savings accounts have NO MONTHLY FEE. Checking accounts also have NO MONTHLY FEE with Direct Deposit to your account. There are no per check fees and dividends are paid on both types of account. See our fee schedule for more information.

Q. Do you have to maintain a minimum balance?
A. A $5.00 minimum balance is required to keep your account active, and avoid a monthly service fee. See our fee schedule for more information.

Q. Do you place a hold on payroll checks?
A. No - the funds are available in your account immediately. This means you save time as you don't need to cash your check before coming to Credit Union. With direct deposit, you can save even more time by avoiding the need to come to the Credit Union.

Q. Can I have my payroll check deposited directly into my Credit Union account?
A. Yes! Simply contact the Credit Union and/or your payroll department.

Q. I work for a company that works with the Florida Department of Transportation, but they didn't tell me about the Credit Union. Can I still join the Credit Union?
A. Yes - all contractors and vendors involved with the Florida Department of Transportation and the families of current members are eligible to join. Also, if you live or work in Martin County Florida you are eligible to join. Please see our Field of Membership for who can become a member of Florida Transportation Credit Union.

Q. Will I have to close my account at the Credit Union if I leave my job or relocate?
A. Absolutely not. "Once a member, always a member" - for life!

Q. Can my family members join the Credit Union?
A. Yes - immediate family members are eligible for membership. Contact a credit union representative for further details.

Q. How do I check my VISA balance or report a lost or stolen Visa?
A. You can call customer service toll-free at 800-282-7681 to check your balance 24 hours a day. You can also speak to someone about your account during normal business hours. If you have lost your Visa or had it stolen, call toll-free 800-282-7681.

Q. How can I check on my Credit Union account after hours?
A. You can log on to Internet Banking at www.fltcu.org or call Call 24, our automated account access by phone, by calling your local credit union office and selecting option 1 for Call 24.

Q. Where may I use my ATM card?
A. Anywhere you see the logos displayed on the back of your card. These ATM network logos and several ATM locators are available online.

Q. How long do I have to be a member before I can apply for a loan?
A. There is no waiting period. As a matter of fact, you can become a member, apply for a loan and have an answer within 24 hours. Fill out our online loan application to get started.

Q. Can I join the Credit Union and apply for a loan online?
A. Yes! You can join the Credit Union, apply for a loan, and even order checks online.

Looking for the answer to a different question? Send us an email and we will respond to you quickly.

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