Account Questions - Merrimack Valley CU

Can I deposit coins?

We absolutely will accept coin deposits! In fact, we have coin counting... [Read More]

Can I get a printout of my statement over the Internet?

Yes! You can print out statements through Online Banking if you subscribed... [Read More]

Can I mail a check for deposit into my account?

Yes. Please use our mailing address listed below: Merrimack Valley Credit... [Read More]

Can I open a savings or checking account online?

Yes! You can join the credit union without leaving the comfort of your home.... [Read More]

Do I need to receive paper statements or can I get my statements electronically?

You can get your statements electronically by signing up for eStatements. Sign... [Read More]

Do you offer Health Savings Accounts?

We do not offer Health Savings Account at this time. Looking to open... [Read More]

How can I sign up for direct deposit?

If your employer offers direct deposit, they will be responsible for establishing... [Read More]

How do I add or remove joint owners from my account?

To add a joint owner to your account, a new signature card will be required... [Read More]

How do I deposit checks online?

You can deposit checks anywhere from your smartphone! Download our... [Read More]

How do I transfer money into a different account without having to come into a branch?

To transfer money between your own accounts, follow these steps: Log... [Read More]

How long does it take to verify a deposit?

Deposit times vary depending on when and where you make them: Cash... [Read More]

How many accounts am I allowed to have?

There is no limit to the number of accounts you may have with the credit... [Read More]

If someone transfers money into my account, can they see my account balance?

No. The account holders and your financial institution are the only ones... [Read More]

What are overdraft fees?

An overdraft fee is assessed when you withdraw more money than you have... [Read More]

What are the current rates and fees?

Rates may change frequently but are always accessible online. Please select... [Read More]

What happens if I deposit a check and it bounces?

If you write a check and do not have enough money in your account by the... [Read More]

What interest rates do you pay on a Certificate?

Interest rates on Share Certificates vary and are based on the term of the... [Read More]

What is the current interest rate for a savings account?

You can always find our current rates on the Deposit Rates page! We... [Read More]

What is the difference between an insufficient funds fee and an uncollected funds fee?

An insufficient funds fee (sometimes referred to as a nonsufficient... [Read More]

What is the difference between balance and available balance?

Your account balance is the total amount of money that is currently in your... [Read More]

What should I do if I have a negative balance in my Checking Account?

To clear up a negative balance, you must make a deposit to your account.... [Read More]

What should I do if my credit or debit card is declined while I am out of town but I know that the funds are available?

There are many possible reasons why this is happening. During business hours,... [Read More]

What time does my direct deposit post on pay day?

Funds from electronic direct deposits to your account and cash deposits... [Read More]

What types of accounts can be viewed with Online Banking?

View and manage all of your accounts in one place with MVCU online banking.... [Read More]

Where is my account number?

Your account number can be located: On your statements If you receive... [Read More]

Who do I call if my card is restricted?

Please call 800.356.0067 to reach one of our member service representatives.... [Read More]

Why are my debit transactions being denied so often?

There are many possible reasons your card might be denied. For security... [Read More]

Why did I receive a call from the Fraud Prevention Center?

You may have received a call from our fraud prevention center due to suspicious... [Read More]

Why did my check bounce when I had money in my account?

There may be a hold on funds in the account that caused the funds to be... [Read More]

Why do you pull credit for a new account application?

Under the requirements of the Patriot Act, all banks must run an identity... [Read More]