Electronic Services

As the old saying goes, time is money and in today’s environment, we are all very short of time. Our electronic services will save you both time and money, so enjoy the conveniences and have immediate access to deposited funds.

Direct Deposits or Withdrawals (ACH or EFT)

Having direct deposit and automatic loan payment transfer qualifies you for loan rate discounts, an easy way to save money. So if you have any recurring source of income, get started on converting it to direct deposit today. Talk with your employer’s payroll office. If it involves Social Security, call them directly at 1-800-772-1213. If you need additional help or have questions you can call us at any of our three locations. 989-893-2831 or 989-624-9344, 989-684-4200.

When initiating an electronic transaction please provide the following information to facilitate the correct posting of your payment or deposit.

  • CU Plus Routing Number: 272476912
  • Your member number and check digit that was provided on your membership card. Contact us for assistance if you do not have this information at 989-893-2831 or 989-624-9344.
  • Your account number suffix, for example 000 for savings or 010 for checking

Then indicate to the vendor whether it is savings or checking.

Payroll Deduction

There are still employers who will deduct specific dollar amounts of your paycheck so that only a portion would be automatically deposited. This is done either through electronic means or by a check from your employer that includes all employee’s payroll deduction in one report. Either way you have immediate access to those funds through your ATM/Debit card, through checks or through cash withdrawals. So visit your payroll department today to see which options are available to you.

Automatic Transfers

If you have any recurring direct deposit, we are able to set up automatic transfers to your accounts or family accounts, or even make loan payments upon receipt of the funds. We can also transfer from funds already on deposit on the 15th and the last day of the month. This will give you peace of mind knowing your loan payments will be made on time, and you are making continuous contributions to your savings account or club account.

Payments by Phone

If you are making a check payment to anyone over the phone, make sure you know who you are talking to. If they called you, ask the caller questions that only the real business would know before giving them your financial institution account information. You have the options of using the information on the bottom of your check for a check payment, using your debit card to authorize the withdrawal from your account or your VISA credit card as well.

Wire Transfers

When you want to have money wired INTO your account at Credit Union Plus, you will need the following information:

Wire to: Alloya CorporateFederal Credit Union of Warrenville, IL ABA#2724-7807-5
Further credit to: Credit Union Plus Account # 2724-7691-2
Final credit to: Your name and your savings or checking account number

When you want to have money wired OUT OF your account at Credit Union Plus, you will need to visit a any office of the credit union with the following information:

Wire to: Name and address of Receiving Financial Institution and their ABA#
Further credit to: If applicable, name and account number
Final credit to: Recipients name, and savings or checking account number

ATM/Debit Card Access

Credit Union Plus DOES NOT text members to activate cards or send you messages to call a number to release a card from a frozen status. These are scams!! Please contact the Credit Union at (989)893-2831 for any assistance you may need with your card(s).

Our Mastercard ATM/Debit Card can by used for Point of Sale Transactions and will automatically withdraw from your checking account unless you only have a savings account. At the point of purchase, you can select “Credit Card” transaction and sign for the transaction, saving the credit union money for transaction processing. When you select “Debit Card” you will be required to enter your PIN number and can also request cash back in the same transaction, thereby eliminating having to go to a branch or an ATM machine and possibly paying a fee.

Our Mastercard ATM/Debit Card can also be used at ATM machines where ever the Plus, NYCE, Alliance One, or Accell Exchange logo’s are present, from either your savings or your checking account. For surcharge or fee free cash withdrawals we have partnered with the Alliance One Network. The ATM locations can be found by going to www.atmallianceone.org and keying in the local zipcode. You will get a list with addresses in addition to a map for easy reference. This is a great benefit when you are vacationing.

You can locate additional ATM machines at the following websites by inputting your zip code. The varying fees that would be disclosed at the time of the transaction:

www.accelexchange.com/atmLocator.aspx input your zip code for a list of locations
www.nyce.net/ATM/locator/index.htm input your zip code to minimize results
(PLUS) visa.via.infonow.net/usa_atm input your zip code for a list of locations
www.mastercard.com/cardholderservices/atm input your zip code for a list of locations

Daily limits are set at $500 cash withdrawals at ATM machines and up to $1000 per day combined cash and transaction processing aggregated per member account, i.e. member number.

To report a lost or stolen MasterCard Debit Card call 1-800-554-8969. Then call our office at 989-893-2831 or 989-624-9344 to order a replacement card.