Skip to Content Skip to Sitemap
FAQs

FAQs

Branch Locations

Where can I conduct business when I can’t get to a branch?

There are many ways for you to take care of your finances even when you are not close to a branch. You can use Online Banking, Telephone Banking, or visit one of our CO-OP Shared Branches or our large network of ATMs

Checks

Where can I deposit my checks?

You can make deposits at any branch location, CO-OP Shared Branch, or any CU24 (CU HERE) ATM. Simply enter your zip code or City/State in the search box to find the closest location to where you live or work, or find a convenient location wherever you may be traveling nationwide. When searching for a CU24 surcharge-free ATM, make sure you select the “CU HERE Program” option.

How can I order a check copy?

From the upper right corner of our website, log on to Online Banking with your Member Number or User Name and password. Select the Accounts icon at the top of the page (first from the left). Choose your Checking Account or Money Market Account. Scroll down the page to find the check you need. Click on the blue View Check Copy button next to the check number. This is a free service.

If your check is not available for online viewing, you can request that a check copy be mailed to you, by contacting us at 561.982.4700, 800.873.5100, or serviceplus@ibmsecu.org. Check copy fees may apply based on your Rewards Level.

Can I reorder checks online?

Yes. Select Check Ordering from the link on the Checking Accounts page. Check printing fees may apply.

What is the Credit Union’s policy on Postdated and Staledated Checks?

If you date a check later than the date that you write it (Postdated) and the check is presented for payment before its date, the Credit Union may return it unpaid or pay the check unless you have placed a Stop Payment on the check. Similarly the Credit Union may, but is under no obligation to, pay or return a check drawn on your account which is presented more than six months after its date (Staledated).

How do I do a stop payment online?

From the upper right corner of our website, log on to Online Banking with your Member Number or User Name and password. Select the More icon at the top of the page (sixth from the left). Click the Stop Payment button. Follow the prompting instructions.

Stop Payments processed through Online Banking will automatically terminate fourteen (14) calendar days from the date of entry unless written confirmation is received. Please review the Stop Payment Order Terms and Conditions on the Stop Payment Order Form, sign and complete the form, and return it to the Credit Union by mail or fax to initiate a written confirmation in effect for the standard six (6) month time frame. Certain fees may apply based on your Rewards Level, please refer to a current Fee Schedule

Deposit Accounts & Account Yields

Where can I find updated Rates on Certificates and Money Market Accounts?

From the home page, place cursor on Resources to get the drop down menu. Move your cursor down to select Rates and then select Share Account Rates.

Can I open an account online?

Yes. From the upper right corner of our website, log on to Online Banking with your User Name and password. Select the All Services tab at the top of the page (second from the left). Click the Open New Account icon and follow the prompting instructions. 

Joining IBMSECU

Am I eligible to join?

To be eligible for Membership, you must work for or be retired from a Member Company, live in an approved county, worship or attend school in an approved county, or be an immediate family member of/live in the same household as an existing Member.

How do I join?

Only $5 is needed to open a savings account and begin your lifetime Membership with IBMSECU. To join, use our secure Online Membership Application.

Loans & Interest Rates

Where can I find Mortgage Rates?

From the home page, place your cursor on Resources to get the drop down menu. Scroll down to select Rates, then click on First Mortgage Rates.

What is the current Prime Rate?

From the home page, place your cursor on Resources to get the drop down menu. Scroll down to select Rates, then click on Second Mortgage Rates. Scroll down to the bottom of the rate chart, the Prime Rate will be below the chart.

How can I find out what my Loan payment will be?

Select Calculators from the Resources menu. Select the appropriate calculator from the list. Enter the details of your loan and click the Calculate button.

How do I apply for a loan online?

Click here to apply online for a Vehicle Loan, Visa® Credit Card, or Special Loan. To apply for a First or Second Mortgage, click here.

Or from the upper right corner of our website, log on to Online Banking with your User Name and password. Select the More tab at the top of the page (second from the right). Click the link for the type of loan you are applying for and follow the prompting instructions.

Is the Credit Union a participating mortgage servicer for the Hardest Hit Fund?

Yes, we are a participating mortgage servicer for the State of Florida. To find out more, visit http://flhardesthithelp.org/. We are also participating in the Georgia HomeSafe program; to find out more visit www.homesafegeorgia.com.

Statements

Can I view a previous month’s statement via Online Banking?

Yes. From the upper right corner of our website, log on to Online Banking with your User Name and password and select the All Services tab at the top of the page (second from the left) and select the Statements option. Choose the statement period you want to view. The statement you selected will appear and can be printed. This is a free service.

Can I have my statement sent to me via email?

Yes. By signing up for our free eMessenger service you can request to have your statement, along with other key account details, sent directly to your email box. Learn how to sign up for eMessenger

General

What is my Routing Number (ABA Number)?

Your Routing Number (also known as ABA Number) is 267077627.

How do I create a budget?

Create a realistic, livable and accurate budget by using myBalance, a self-guided web-based budgeting tool: https://ibmsecu.balancepro.org/programs/my-balance-budget. You’ll find tools for tracking expenses, tips for taking control of your personal finances, direction on reducing debt and education specific to your areas of challenge. You’ll receive a personalized analysis of your current financial situation, and you’ll get an opportunity to receive a free (confidential) counseling session to create a plan of action.

Events

Calendar Icon

Gift Collection for our Annual Children's Christmas Parties on December 7, 8, and 15

Learn More

Scroll to Top