Checking

United Methodist First Choice FCU as well as Holston Methodist FCU members now part of Interfaith FCU can continue to use their checks At This Time. However, we strongly encourage you to order new Interfaith FCU checks through your regional branch.

Member accounts are federally insured up to $250,000 by the National Credit Union Administration.

Simpli Checking

Simpli Checking is Interfaith Federal Credit Union’s no-fee checking account. This account will have a $0 monthly fee as long as you receive e-statements. This account does not earn dividends. It comes with mobile banking access and remote deposit. Bill Pay is free when used monthly. If you would prefer Simpli Checking, please call your member services at (800) 245-0433.

Secure Checking*

Secure Checking provides a host of benefits designed to help protect your family and help your money do more. It offers ID Protect® – Identity Theft Monitoring and Resolution Service¹, which includes credit file monitoring, the ability to request a 3-in-1 credit report every 90 days, and fully managed resolution services. Also available are health discounts, cell phone protection, shopping benefits and more. The single low fee of $5.99 per month gives identity protection services to the primary and joint owners on the account. Members who maintain a $500 balance will earn dividends. View current rates. This account comes with mobile banking access and remote deposit. Bill Pay is free when used monthly. Interfaith Federal Credit Union believes this account will provide superior value to our members. To learn more view the Secure Checking Benefits Brochure or call member services at (800) 245-0433. IFCU members must be enrolled in Secure Checking to register and activate benefits.

*Registration/activation required¹IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders.  The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners).  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s).  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).  Service is not available to a “signer” on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.
Insurance Products are not insured by NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.

Benefits of Bill Pay

  • FREE when used at least once every calendar month. Enrollment is optional.

  • Convenient - anywhere, anytime from your internet-connected computer, smartphone or tablet

  • Saves Time - pay all bills with a single log-in from a central location

  • Organization - see all your recently processed and pending payments at a glance

  • Simplified Money Management - reoccurring payment option available

  • Security - reduces risk of identity theft

  • Going Green - reduces paper waste

Debit cards, also known as check cards, look like credit cards or ATM (automated teller machine) cards, but operate like cash or a personal check. Debit cards are different from credit cards. While a credit card is a way to “pay later”, a debit card is a way to “pay now.” When you use a debit card, your money is quickly deducted from your checking or savings account.

You can use your card anywhere merchants display your card’s brand name or logo. It’s a great alternative to carrying a checkbook or cash.

What is the difference between a debit card and a credit card?

Debit means “subtract.” When you use a debit card, you are subtracting your money from your own bank account. Debit cards allow you to spend only what is in your bank account. It is a quick transaction between the merchant and your personal bank account.

Credit is money made available to you by a bank or other financial institution, like a loan. The amount the issuer allows you to use is determined by your credit history, income, debts, and ability to pay. For more information on credit cards, visit our Visa Credit page.

Seven tips for responsible use of debit cards

  • If your card is lost or stolen, report the loss immediately to your financial institution.
  • If you suspect your card is being fraudulently used, report it immediately to your financial institution.
  • Hold on to your receipts from your debit card transactions. A thief may get your name and debit card number from a receipt and order goods by mail or over the telephone. Your card does not have to be missing in order for it to be misused.
  • If you have a PIN number, memorize it. Do not keep your PIN number with your card. Also, don’t choose a PIN number that a smart thief could figure out, such as your phone number or birthday.
  • Never give your PIN number to anyone. Keep your PIN private.
  • Always know how much money you have available in your account. Don’t forget that your debit card may allow you to access money that you have set aside to cover a check that has not cleared your bank yet. Additionally, pre-authorization holds, determined by the merchant, can impact the funds available in your account.
  • Keep your receipts in one place — for easy retrieval and better oversight of your bank account.

Source: National Consumer League