Credit Union Service Centers network posts policies
A shared-credit union network of more than 600 locations in 28 states, Credit Union Service Centers is a no-fee benefit provided to Alabama Credit Union members; many CUSC locations offer convenient extended hours until 7 p.m. on weekdays, and until 5 p.m. on Saturday. ATMs are available at most locations, and some assess no surcharge fee.

Some CUSC policies, however, may differ from those in place at Alabama Credit Union’s own offices. When visiting a CUSC location, please:

» Complete a deposit/withdrawal slip before approaching teller windows;
» Provide a valid, unexpired state-issued driver license or non-driver license;
» Verify and sign a completed receipt;
» Place right thumbprint on a check over $50.00 to be deposited or cashed.

The following transactions can be performed at a CUSC location:

» Cash or check deposits to savings or checking accounts;
» Cash or check withdrawals from savings or checking accounts;
» Cashing of recognized payroll checks;
» Copies of statements (last 10 transactions)
» Transfers
» Loan payments
» Purchase of official checks, money orders, travelers checks and theme park tickets
» Free notary service
» 24-hour ATM service (withdrawals, transfers and balance inquiries only).

The following services cannot be provided at a CUSC location:

» Accounts cannot be opened or closed.
» Non-members cannot cash checks drawn on participating credit union members’ accounts.

Check policies at CUSC locations:
Alabama Credit Union will be contacted on the following types of checks, and may instruct CUSC to hold available funds. If Alabama Credit Union is closed, an off-line transaction will be completed until the credit union is notified on the next business day. Funds availability policies will apply to:

» Local checks (if your account does not have the funds available for the amount of the check)
» Non-local checks
» Unfamiliar business or payroll checks
» Insurance drafts;
» Counter checks
» Cashier checks/official checks
» Money orders

Off-line policies:
An off-line transaction will be completed if Alabama Credit Union’s data processing system is unavailable. The following transactions may be performed during an off-line mode:

» Deposits — unlimited (check hold policies apply)
» Withdrawals — may be limited
» Loan payments — unlimited. CUSC locations outside of Alabama may accept only deposits in an off-line mode.

To find the Credit Union Service Centers location nearest you, visit www.creditunion.net — and if you have questions, please give us a call or send us an e-mail.









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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Your savings are additionally insured to $250,000 by Excess Share Insurance. To estimate your National Credit Union Share Insurance Fund coverage, use this insurance estimator or download NCUA's Your Insured Funds brochure. Alabama Credit Union does business in accordance with the Equal Credit Opportunity Act and the Federal Fair Housing Law. We are an Equal Housing Lender. Rates expressed as Annual Percentage Rate or Annual Percentage Yield; all rates and terms subject to change without notice. For complete account disclosures, ask for a copy of our Membership & Account Agreement, Reg CC (Funds Availability) and Reg E (Electronic Transfers) disclosures, Fee Schedule and Member Business Account™ Fee Schedule. Membership eligibility required. Alabama Credit Union is not responsible for content of Web sites which may be accessible via links from this site but are not operated by Alabama Credit Union, and does not represent either the third party or the member if the two enter into a transaction; privacy and security policies may differ from those practiced by Alabama Credit Union.

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