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Account Services

Popular Account-Related Services

Ordering Checks

 Out of checks? No need to contact a branch. You can order your own replacement checks for your Self-Help CU accounts (if your check vendor is Harland-Clarke). Be aware that check vendors will charge you for replacement checks.
Credit Report Reviews

In most cases your credit score is a major factor in your ability to get a loan and how much it costs. An overlooked or incorrect item on your credit report can negatively affect your credit score and your ability to get an affordable loan. We're available to meet with you to review your credit report before getting a loan from us or anyone else. Contact one of our loan officers when you are ready for a review.

To get your credit report, contact one of the three credit reporting bureaus listed below. If you have been denied credit, you have the right to receive a free copy of your credit report, and each of the three credit reporting agencies will provide you with a free copy if you have been declined within 60 days. Additionally, U.S. Federal law allows you to obtain a free credit report each year. Use the contact information below to learn more, and to order your annual credit report.

Equifax: 800-685-1111

Experian: 888-397-3742

TransUnion: 800-888-4213
U.S. Federal Trade Commission:

Annual Credit Report Request Service

PO Box 105281, Atlanta GA 30348-5281

Call: 877-322-8228
Options for Covering Overdrafts (Insufficient Funds)

Transfer from Savings

 Upon request, we can link your primary checking account to your designated Self-Help CU source account--usually a savings account. Funds from the source account are paid out when there are insufficient funds in your checking account. The entire balance of the source account is accessible for overdraft transfer payments, if needed.

Overdraft Line of Credit

 Overdraft line of credit is a loan from Self-Help CU designed to cover insufficient funds in your Self-Help CU checking account. The overdraft line of credit will cover unpaid balances up to an approved amount. To be approved for an overdraft line of credit you must qualify under Self-Help CU's loan approval guidelines.

Fees, Disclosures and Services

Schedule of Fees

View the current schedule of fees (and how to avoid them) for Self-Help CU deposit accounts, electronic services, cards and in-branch services. Contact a branch for information about loan fees and charges.

Membership & Account Disclosures

View the terms and conditions of Self-Help CU membership*, deposit accounts and electronic services including:

  • Membership Eligibility
  • Account Agreement
  • Truth-in-Savings Disclosure
  • Funds Availability Policy
  • Electronic Fund Transfer Agreement

Also available for viewing is the Self-Help CU privacy policy notice. You will receive the latest rate information when you open a deposit account.

If you have questions about any of the following services, contact the Self-Help CU Call Center at (800) 966-7353 for answers.
  • Automatic draft (ACH)
  • Automatic transfer
  • Cards (find information on the Credit Card Services page)
  • Direct deposit
  • Loan payments
  • Online banking (find information on the Online Banking page)
  • Statements

*For members in South Carolina: Please refer to the Self-Help Federal Credit Union Account Agreement and Other Disclosures.

Don't Miss Important Financial Information - Stay up to Date!

Please remember to update your contact information whenever you get a new address or phone number. A wrong home address or expired email address may mean you miss important account information. Also, if there's an email address or any other information we didn't receive when you first joined us, please take a moment to give us a call or update your account information online.

When you're enrolled in online banking, it's especially important to to make sure we have your current physical address, phone number and email address. It's easy and convenient to update your contact information through our online banking site. If you have questions, please give us a call and we'll walk you through it.

account services