Q: Why did the credit union decide to change its name?
Q: How did you choose the name Enbright?
Q: Will my account numbers change?
Q: What about my checks and debit and credit cards?
Q: Do I need to change anything with my Direct Deposit?
Q: Do I need to download a new mobile app?
Q: Will my log in information and passwords change?
Q: What are the standard overdraft practices that come with my account?
A: We authorize and pay overdrafts for the following types of transactions 60 days after account opening:
- Checks and other transactions made using your checking account number
- Automatic bill payments ACH transactions
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
- ATM transactions
- One-time debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be DECLINED.
Q: What fees will I be charged if Enbright Credit Union pays my overdraft?
Under our standard overdraft practices:
We will charge you a $33 fee each time we pay an overdraft. Fees may change.
There is no limit on the total fees we can charge you for overdrawing your account.
Q: What if I want Enbright Credit Union to authorize and pay overdrafts on my ATM and one-time debit card transactions?
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Q: Can I skip a loan payment?
We know that the end of the year can make more demands on your finances, between holidays, taxes, travel, etc. Our Skip A Payment program allows you to skip one loan payment yearly after 12 months of payments have been made. If the loan is paid twice a month, those two payments may be skipped during the month you choose. Only one skipped payment (month) is allowed per year. Skipping a payment may extend the term of the loan and is not available if you have had a loan extension in the last 12 months.
Mortgages, credit cards, SBA Loans and credit lines are excluded from this offer. To apply for a skipped payment, CLICK HERE for the application form. Please complete the form and submit it at least five days before your payment is due.
Please submit a separate form for each loan.