Home for the Holidays – Accessing your account remotely

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Advances in technology have made it almost effortless to stay connected with friends, family, and current events. The same can be said for your finances. Just because you are going home for the holidays doesn’t mean you won’t be able to manage your finances. Many credit unions offer remote services so their members can stay connected to their accounts despite the distance. Let’s talk about them!

Mobile apps

Depending on your credit union, it is likely they have a mobile banking app where you can check your account balances, make payments, transfer funds, communicate with the credit union, and more. The services available are determined by your credit union, so be sure to check out what they offer. Apps are a great way to stay up-to-date on your account activity anywhere you go.

Electronic deposits

If there’s a mobile app, there’s a good chance you can make electronic deposits to your account by simply taking a picture. Snap pictures of the front and back sides of a check made payable to you, and the funds are deposited into your account immediately. This is a great way to deposit those holiday checks to your account without having to visit a branch or ATM. Even for members living in the same town, electronic deposits add convenience to their lives.

Shared branching and CO-OP Network

Beyond technology, most credit unions belong to a network where members can access their accounts from other credit union branches and ATMs. One example is the CO-OP Network, which includes almost 30,000 ATMs and more than 5,000 shared branches across the United States, where you can access your account surcharge-free if your credit union belongs to the network. While some services are limited, you can perform most of your day-to-day transactions at these locations. To find which Credit Unions participate in the CO-OP Network, check out co-opcreditunions.org.

It’s a digital age, and your credit union knows that. Many institutions have other remote services as well: call centers, electronic messages, and chat features. With these, you can perform most transactions and even submit online loan applications. Going home for break or even moving away doesn’t mean you have to lose the great service you’ve experienced. Talk with a representative from your credit union and see how they can help you access your account no matter where you are.