FAQs

Frequently Asked Questions

DIGITAL BANKING

How do I sign into Digital Banking?
Visit useagle.org or open the US Eagle Mobile App and enter your username and password. If you’re using a new device, you may be asked to verify your identity.

How do I access my Mobile App?
Download the US Eagle Mobile App from Google Play or the App Store. Once installed, sign in using your Digital Banking credentials.

How do I deposit checks in Digital Banking?
You can deposit checks using mobile deposit in the app by taking a photo of the front and back of your check and following the prompts. Some deposits may be subject to review or hold times.

What do I do if I get locked out of Digital Banking?
If you are locked out, use the recovery options on the login screen or contact Member Services for assistance restoring access.

What do I do if I forgot my Digital Banking password?
Use the “Forgot Password” option on the login page to reset your password securely.

Will there be holds on checks I deposit using Remote Deposit Capture?
Yes, some deposits made through mobile deposit may be subject to holds for review. The length of the hold depends on factors like deposit amount, account history, and risk.

How can I reset my Digital Banking password or username?
Use the “Forgot Username” or “Forgot Password” options on the login screen. You’ll need to verify your identity.

How do I enroll in Digital Banking?
You can enroll online by providing personal and account information to create your login credentials.

LOANS - GENERAL

How do I apply for a loan?
You can apply online, visit a branch, or call Member Services. Have basic financial and identification information ready.

Can I skip one of my loan payments?
Some loans may qualify for a skip-payment option. Eligibility and fees depend on the loan.

What are the current auto loan rates?
Rates vary based on credit profile, loan term, and vehicle type. Check the website or contact Member Services for current rates.

Can I make my loan payment online?
Yes, payments can be made through Digital Banking.

How long does a loan approval take?
Many applications receive a decision the same day, depending on the information provided.

What is my loan payoff amount?
You can view your payoff amount in Digital Banking or request it by contacting Member Services.

Can my loan be paid off by a third party?
Yes, but the loan remains associated with the original borrower until fully satisfied.

How do I check the status of a loan application?
Contact Member Services or the lending team to check your application status.

Do you offer payday loans?
No, payday loans are not offered.

How can I qualify for a loan?
Eligibility depends on credit history, income, and overall financial profile.

AUTO LOANS

Can I apply for an auto loan if I have not found the car I want yet?
Yes, you can get pre-approved before choosing a vehicle. This helps define your budget and streamline the purchase.

Do I have to buy from an auto dealer?
No, you can finance vehicles purchased from dealers or private sellers.

What insurance requirements do you have for auto loans?
Full coverage insurance is required, and US Eagle must be listed as the lienholder.

How long will it take to receive a vehicle title when I pay off my auto loan?
Titles are processed after payoff is complete. Timing depends on payment type and processing requirements.

How do I apply to refinance my auto loan?
Apply online or contact Member Services to review refinance options.

Is there a grace period on my auto loan?
Most loans include a grace period before late fees apply. Refer to your loan agreement for details.

CARDS

What do I do if I lost my ATM, debit, or credit card?
Report it immediately through Digital Banking or by contacting Member Services to prevent unauthorized activity.

How do I order a new debit card?
You can request a replacement through Member Services or visit a branch.

How can I make my credit card payment?
Payments can be made through Digital Banking, by phone, or in person.

How do I dispute a credit or debit card charge?
You can submit a dispute through Digital Banking or contact Member Services.

How do I change my debit card PIN?
Contact Member Services or visit a branch to update your PIN.

My card is being denied at the merchant. What should I do?
Check your available balance and contact Member Services if the issue continues.

Who do I call if my card is restricted?
Contact Member Services for assistance.

What should I do if the ATM does not dispense cash but my account was charged?
Report the issue to Member Services for investigation.

ACCOUNTS & CHECKING

Can I open a checking or savings account online?
Yes, you can open accounts online by completing an application and providing required information.

Is there a minimum balance required for a checking account?
Requirements vary by account type.

I have a negative balance in my checking account. What should I do?
Deposit funds to bring your account current or contact Member Services.

What is my account number?
You can find it in Digital Banking, on statements, or by contacting Member Services.

How can I get a copy of a check?
Check copies are available in Digital Banking or through Member Services.

PAYMENTS & TRANSFERS

How do I send or receive wire transfers?
Provide recipient account details, bank information, and required verification.

How do I sign up for direct deposit?
Give your employer your routing number and account number.

How do I transfer money into a different account?
Use Digital Banking to transfer funds between accounts or to linked external accounts.

ATM & ACCESS

Can I make ATM deposits?
Yes, at select ATMs. Processing times may vary.

What is the maximum amount I can withdraw from an ATM in one day?
Daily limits vary by account. Contact Member Services for details.

Are there any service fees for ATM withdrawals?
No fees at network ATMs. Fees may apply at others.

SERVICES

Do you offer notary services?
Yes, notary services are available at branches for members.

How do I change my name, address, or contact information?
You can update your information through Digital Banking, by mail, or at a branch.

Where can I access my electronic statements?
eStatements are available in Digital Banking.

What is an eStatement?
An electronic version of your account statement.

Do you offer foreign currency exchange services?
No, this service is not available.

What is CU by Phone?
An automated phone system that allows account access and basic transactions.

FEES & RATES

What are the overdraft fees?
Refer to the current fee schedule for details.

What is the fee for cashier’s checks?
Fees are listed in the fee schedule.

What is the fee for sending domestic or international wires?
Fees vary based on the type of transfer.

BRANCHES & ACCESS

What are your branch locations?
Use the online locator to find branch locations.

What are your hours?
Hours vary by location.

What is your routing/ABA number?
307083652

What is your contact information?
Call 505-342-8888 or 888-342-8766.

GENERAL

Can anyone join the credit union?
Yes, if eligibility requirements are met.

How many accounts can I have?
You can have multiple accounts under your membership.

If someone transfers money into my account, can they see my balance?
No, they cannot view your balance.

What is the difference between balance and available balance?
Balance is total funds; available balance reflects pending activity.

Is my money insured?
Yes, deposits are insured up to applicable limits.

SECURITY & FRAUD

What should I do if I suspect fraud on my account?
Contact Member Services immediately.

Why did I receive a call from Fraud Prevention?
To verify activity and protect your account.