You can
find out your account balance and a history of all of your
transactions by phone with Shelly or
on the web with Online Home Banking.
If you've never used these services before, please call a Member
Service Representative for your access code (504-728-4583 or 866-367-6928).
When looking at your account information, you will notice a Balance
and an Available Balance. On your Share Account your Available
Balance will always be $5 less than your Balance because you need
$5 to keep the account open. If you notice a difference on your
other accounts between your Balance and your Available Balance,
you may have a transaction pending, or a hold on funds. Here are
lists of everything that Shelly
and Home Banking can do for
you.
To add
a name to an existing account the person being added to the
account must complete a Membership
application, regardless if he/she is already a Member. To remove someone from an account,
the account must be closed entirely and new separate accounts must be created. This also applies if
the Primary account holder is deceased. If a deceased Member is Joint on an account, that Member
may be removed without closing the account entirely.
Are you getting an auto loan?
Here is a list of the documents you will need:
- Dealer purchase
- Copy of driver's license
- Proof of insurance
- Purchase agreement/Buyers order
- Refinance
- Copy of driver's license
- Proof of insurance
- Bank Payoff info (Bank name, Acct#, Mailing address, Ph#, 10 day payoff)
- Copy of registration
- Odometer Statement
- Power of Attorney
- Act of donation (if applicable)
- Private purchase
- Copy of driver's license
- Proof of insurance
- Notarized Bill of Sale
- Released Title or Bank Payoff info
- Copy of registration
- Odometer Statement
- Power of Attorney
- Act of donation (if applicable)
- Members are responsible for Tax, Title and License fees
Documents can be faxed to 504-728-0573 or delivered to 701 Poydras
St., Suite P100, New Orleans, LA 70139.
Your Platinum
Visa comes with unparalleled security and Member protection.
Remember that for Visa to do its best at alerting you of potential
security threats, it is your responsibility to keep your contact
information up to date. Click
here for more information on Visa's Security Program. Don't
have your Platinum Visa yet? Apply
now!
You can
make payments and deposits at Credit Union Service Centers
located throughout the country. Visit www.creditunion.net
to find a Service Center near you. You can withdraw funds from
Service Centers, but there is a limit of $500 per day. If you
would like to mail your payments and deposits, be aware that the
mail in New Orleans has been very slow in the wake of last year's
hurricanes. Send in your payments as early as possible to PO
Box 60193, New Orleans, LA, 70160-0193. Payments will be marked
as received the day they arrive at the Credit Union, not the day
the check was written.
We are
obligated to place holds on certain checks based on the type
of check and the status of the Member's account. The first $100
of any check will be available on the next business day. Our holds
policy is below.
|
Amount
of Check
|
Local
Check
|
Non-Local
Check
|
| $5,000 or less |
2 business days |
5 business days |
| Greater than $5,000 |
2 business days for 1st $5,000 |
5 business days for 1st $5,000 |
| |
5 additional business days funds over $5,000 |
6 additional business days funds over $5,000 |
| Extended Holds |
7 business days |
11 business days |
Extended Holds |
| Re-Deposited Checks |
Accounts with excessive overdrafts |
| Negative Accounts |
Suspicious Checks |
| New Accounts (1st 30 Days) |
3rd Party Checks |
|
Next
Business Day Availability**
|
|
Cashier Checks
|
Certified Checks |
|
Federal Checks
|
Federal Home Loan
Bank Checks
|
|
Federal Reserve
Bank Checks
|
Local Government
Checks
|
|
"On Us"
Checks
|
Post Office Money
Orders
|
|
State Checks
|
Teller Checks
|
|
Traveler's Checks
|
U.S. Treasury
Checks
|
|
Wire & ACH
Transfers
|
|
*Business
days exclude day of deposit, weekends, and Federal Holidays.
**Applies when check is deposited into an account held by the
payee. Otherwise, regular holds apply.
For more information
on our Funds Availabilty Policy,
click here. For more information on Regulation CC, click
here to visit www.FederalReserve.gov.
You are
limited to 6 withdrawals per month from your Share Account
according to Regulation
D of the United States Securities and Exchange Commission.
If you are trying to make a transfer from your share account and
Shelly or Online Home Banking will not let you, review your history.
You may have exceeded your withdrawal limit. To avoid this, consider
depositing funds that you are likely to withdraw into your checking
account. You can always transfer the funds to your share account
later. Be aware that if you write a check (physical or electronic
payment) and you do not have the funds available in your checking
account, the check will be returned NSF if you have exceeded your
Reg
D limits. You will be charged the $28 NSF fee plus any fees
that the merchant might assess.
For example, if Jane writes a $200 check, has $0 in her checking
account, and $1000 in her share account, but has made 6 withdrawals from
her share account already this month, the Credit Union will not use
the funds from her Share Account to cover her check. The check will be
returned NSF.
If your
Shell NOFCU credit or debit card is lost or stolen be sure
to call 1-800-682-6075 immediately. The number on the back of your Shell NOFCU Visa may not be current.
Make payments
and transfers for free with Shelly
or Online Home Banking. There is a $5
fee for transfer and payment requests made to a Member Service
Representative over the phone or via LiveChat. Transfer funds
for free with Shelly or Online
Home Banking. You can transfer funds to a different Member
number with Shelly after completing
the Cross Member
Transfer Authorization Form. You can also make payments at
a Credit Union Service Center. Click
here to find a Service Center near you.
You can
find your routing and account numbers printed at the bottom
of your check. The Credit Union's routing number is 265076125.
This will not change. In the image below, the
number in red is the routing number and the
number in blue is the checking account number for that
Member. 
If you forget your
Member number, you can calculate it by dropping the last 2 digits
from your checking account number and adding a 0 to the end. So
in the example above, Jane Doe's Member number would be 000123450
(Tip: If you are giving your Member number to a Member Service
Representative, you can leave off the zeros at the beginning of
the number). You will need to give the full 9 digit checking account
number for electronic payments and direct deposits.
Before you travel,
give us a call (866-FOR-MY-CU). As part of its security procedures, Visa may block your credit or debit card if they notice unusual transactions.
Let us know if you are going to be making purchases in a different state or country and update your contact information so that
Visa will be able to contact you in the event of a suspicious transaction.
Keeping
your address and phone numbers updated is very important.
To make sure that your statements, payment notices, and other
credit union mail does not fall into the wrong hands, let us know
whenever you have a change of address, even if it is only temporary.
Also, keep in mind that if Visa suspects fraudulent activity on
your card, they will try to contact you with the phone numbers
that we have on file. If Visa cannot get in contact with you,
your card may be blocked. For your safety, changes of address
need to be made in writing. To submit a change of address, visit
the Secure Forms section of Online
Home Banking and complete the Change of Address form. You
can also fax your changes to 504-728-0573.
