F.A.Q.

We collected a list of frequently asked questions that we often receive at SOCU, if you do not see your question here send us a direct message.

Where can I find information on RDC (Remote Deposit Capture)?
Check out our RDC FAQ page for information about Remote Capture.

What are your branch hours for the lobby and drive thru?
View all branch hours and more on our locations page.

How do I reset my Online Account?
You can reset your password through the Easy Reset Page.

How do I sign up for an Online Account?
You can sign up online right now!

Why am I seeing old account information when I login?
Unfortunately, your browser may have cached old information. To delete your cache, follow the instructions for your browser type.

Where is my tax refund?
We will post the direct deposit according to the effective date of transaction. Most deposit issues can be resolved by contacting the deposit issuer. If you still suspect an issue please contact our operations department at 815-673-1589 Ext 100.

What is Streator Onized Credit Unions routing number?
Our routing number is 271989688. For deposits into checking accounts please supply the depositor your complete account number.

I have a bonus/extra direct deposit this month. What will happen?
If you have filled in a Payroll Deduction paper, please ask for Data Processing to reverse multiple share transfers caused by your extra direct deposit.

Where can I find a list of Service Fees?
Our Schedule of Service Fees are updated regularly here.

Where do I find the repossessed vehicles to bid on?
We maintain a list of SOCU owned vehicles online. You can bid directly on our website.

Where do I find a list of your preferred dealers?
We maintain a list of preferred dealers on our website. You can go directly to them and request to be financed through SOCU, or stop in first and get approved then go to them.

What is a simple interest loan?
This means that interest accrues on a daily basis on the amount of the loan (current outstanding principal balance) from the date the interest charges begin until you repay the loan.

Where can I download your smart phone apps?
We have both an Android phone application and iPhone application. They can be downloaded from the app stores.

What is the daily spending limit on a VISA Debit Card?
The limit is $3,000 daily, if you need this amount adjusted please call our plastics department at 815-673-5577 Ext. 102.

Is there an annual debit card/credit card fee?
No annual fees.

What is an APR?
APR- Annual Percentage Rate- is the interest rate you will pay on balances annually.

What is EMV?
Stands for Europay, MasterCard, and Visa -- is a global standard for cards equipped with computer chips and the technology used to authenticate chip card transactions.

Is there a debit/credit card replacement fee?
Yes, $10.00

What is the fee for late payment on a SOCU Visa Credit Card?
$29.00

What do I do if my credit or debit card is lost or stolen?
Call 815-673-5577 or 1-800-523-4175

When are SOCU Visa Credit Card Payments due?
18th of Every month

How can I make a SOCU Visa Credit Card payment?
Any SOCU Branch Location, Online Banking, EZCardinfo or payment address on statement.

Can I access my Visa information online?
Yes, at EZCardinfo.com

Are there balance transfer fees?
No transfer fees.

Are there any rewards offered with a SOCU Visa Credit Card?
Platinum Perks Visa has ScoreCard Reward Points

When should I receive my SOCU Visa Credit Card?
Typically, it takes 10-14 business days to receive a new or reissued credit card.

How can I increase my Visa credit limit?
Apply online, call our Plastics Department, or stop into any SOCU Branch.

How do you achieve good credit?
Always pay your bills on time, every time. Pay late or go over your limit, and you’ll not only pay a fee, but it can appear on your credit report.

Why does my debit card get blocked in Wisconsin at Walmart and Walgreens?
In Wisconsin you need to use your PIN number only at Walmart and Walgreens. Non pin transactions will not process.

What do I do if I am traveling with my Visa Credit Card or Visa Debit Card?
Contact our Plastics Department at 815-673-5577 Ext. 102 to let them know you will be traveling. They will notate the account and watch for alerts that may block the card.

Can I change my pin number on my credit card like I can on my debit card?
Unfortunately this cannot be reset in the same regard. The pin number must be resent to you in the mail.

How do I write out a check?
All employees are here to help, so ask any employee you see. Otherwise watch this short video to learn how to write out a check.

Where can I find wiring instructions?
Wiring instructions can be found on our forms and documents page. If you need help with a wire please call our accounting department at 815-673-5577 Ext. 100

I submitted my bill pay and the payee is saying they didn’t receive it. Who do I contact?
SOCU’s Bill Pay Support's phone number is 877-547-1714

By what time does SOCU have to post direct deposits?
As long as deposits are received in a normal time frame, SOCU has to post direct deposits by latest branch opening (currently 9 a.m.). The next direct deposit file will be received following business day.

How can I change the name, address, or phone number on my account?
To change your address or phone number, you can do so conveniently through online banking. After logging in, click the "Profile" tab, and select "Change Address" on the left. You can also stop into any branch to sign a change of address form, or have the form mailed to you.

If you have legally changed your name, stop in to one of our locations with your updated ID and proof of the name change (court issued document or marriage license).

How can I use my Scorecard Points?
Get a reduced rate of .50% on a loan, get an increased rate of .50% on a certificate of deposit, attend one of our bus trips with a waived fee by using scorecard points, get merchandise such as a camera, charcoal grill, or kitchen items using your score card rewards, use the points for travel such as a flight, car rental or hotel stay or donate to charity.

How much is needed to open a checking account?
It doesn't cost anything to open a checking, as long as you have one share in savings ($5).

How can I be negative when I do not have courtesy overdraft protection?
Some merchants only authorize a smaller portion of a total sale. The authorization can clear but if there are not enough funds for the full amount the member can go negative.