What If ... answers to some of our most frequently asked questions
What if my Visa Debit Card is lost or stolen?
Contact Visa immediately at 1-800-449-7728.
What if my Visa Debit Card doesn't work when I use my PIN?
That could mean that a network outside of the credit union system is not online. Try using your Visa Debit Card as a "credit" and use the signature pad.
What if my Visa Credit Card is lost or stolen?
Contact Visa immediately at 1-800-449-7728.
What if I want to call UltraVoice directly to access my account information?
Feel free!! UltraVoice is available around the clock by calling 804-262-8502.
What if I'm looking for a no-fee ATMs?
Use our convenient and easy LocatorSearch tool to find your closest no-fee ATM.
What if I'm traveling, and I'm not close to a Henrico FCU office?
Henrico Federal Credit Union is part of the Credit Union Service Center (CUSC) network. There are CUSCs all over the US. You can do a quick search on the CUSC site to find the CUSC closest to you at www.cuservicecenter.com.
What is Henrico FCU’s Routing Number?
What if I'm working on a Mac? How can I use home banking and bill pay?
Members using Mac computers will see the best results by using Google Chrome (rather than Safari) as their browser for home banking and bill pay. You can download Google Chrome here.
What if I have other questions about online bill pay?
You can call 866-820-8031 for assistance with bill pay.
What if someone asks for personal information (like my password or Social Security Number) through email?
Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. Play it safe - do not send your personal information such as account numbers, social security numbers, passwords etc. via email or texting.
What if someone sends me an email with instructions to log in using the link provided?
Never log in from a link that is embedded in an email message. Criminals can use fake email addresses and make fake web pages that mimic the page you would expect. To avoid falling into that trap, type in the URL address directly and then log in.
What if I want to be really smart about using legitimate electronic services at Henrico FCU and anywhere else. What steps should I take?
1. Don't reveal personal information via email. Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. Play it safe - do not send your personal information such as account numbers, social security numbers, passwords etc. via email or texting.
2. Don't download that file! Opening files attached to emails can be dangerous as they can allow harmful malware or viruses to be downloaded onto your computer. Make sure you have a recognized antivirus program (i.e. Symantec/Norton, McAfee, etc.) on your computer that is up-to-date. Most importantly, don’t open attachments from people you don’t know.
3. Logoff from sites when you are done. When you are ready to leave a site you have logged in to, logoff rather than just closing the page.
4. Monitor account activity. Monitor your account activity regularly either online or by reviewing your monthly statements and report any unauthorized transactions right away.
What if I'm interested in a scholarship?
Henrico FCU offers three scholarships to members who are continuing their education. Find out more about these scholarships here.
In honor of one of our most beloved board members, Fran Chaffin. One $1500 scholarship is available to a graduating senior, and a second scholarship is available to a returning student. The Fran Chaffin Memorial Scholarship Application usually becomes available in January of each year.
The Richmond Chapter of Credit Union also offers a scholarship each year. That application usually becomes available between January and March.
What if I want to know the difference between a credit union and a bank?
The services offered are similar, but the philosophies are very different. All credit unions are not-for-profit cooperatives. The owners of a credit union are the members. The owners of a bank are the stockholders.
What if my E-Statement does not match the statement on @ Your Service Home Banking?
All members must be provided with a periodic statement. Years ago everyone received their periodic statements in the mail. Thanks to technology, you can receive that same periodic statement electronically; that's how E-Statements were created. A periodic statement only shows activity for a set period of time (like a month or a quarter).
You can also check for your most updated activity ANYTIME by using @ Your Service Home Banking. The statement from @ Your Service Home Banking will show you the most recent information from your account.
What if I have a check stolen from my mailbox?
Stolen mail falls under the jurisdiction of the US Postal Service. Contact your postal inspector and Henrico FCU as soon as possible.
What if I receive a notice that I've won money?
Be extremely cautious. This notification is almost always fraudulent. You should report any suspicious activity to Henrico FCU.
What if I want to learn more about my deposits being insured by the National Credit Union Administration?
A handy electronic share insurance calculator is available online to help members determine how to structure accounts to include joint accounts, payable upon death accounts, and others to receive greater coverage than the $250,000.
By operation of federal law, beginning January 1, 2013, funds deposited in a non-interest bearing transaction account will no longer receive unlimited coverage by the National Credit Union Administration (NCUA).
All accounts at Henrico FCU and Bellwood Credit Union, including all noninterest-bearing transaction accounts, will be insured by the NCUA up to the standard maximum share insurance amount of $250,000 for each deposit insurance ownership category. Individual Retirement Accounts (IRAs) continue to be insured separately.
Administered by the NCUA, the National Credit Union Share Insurance Fund (NCUSIF) is backed by the full faith and credit of the U.S. Government. For more information about the NCUA or the NCUSIF, visit www.ncua.gov.