FAQ

Call (800) 543-5073. Your Personal Identification Number (PIN), which is mailed separately from your card, is required to activate your card.

Call (800) 543-5073. Contact us for more information or assistance—we're here to help!

Call (866) 297-3411. Your current PIN is required to make a change. 

Reach out to our Contact Center at (800) 879.9697 to request a PIN reset or request your current PIN be sent to you.

New members opening a share account with a Mastercard® debit card may receive a card and PIN within a matter of minutes. Cards that are mailed from our processor can take between 5 to 10 business days. After receiving your new card, your PIN will arrive by mail approximately 2 to 3 days later.

If you’ve lost your card(s) or suspect theft, please notify Service 1 FCU immediately at (800) 879.9697 during regular business hours. After business hours and weekend inquiries, please dial (866) 333.4740.

To deactivate your card(s) for an extra layer of protection, sign into your account, select the appropriate card, then tap "Card Controls." Cards can be temporarily deactivated while you contact Service 1 FCU and your account is under review. 

You can order checks online at ordermychecks.com or at any Service 1 FCU location.

Your checking account with debit/ATM card is always FREE. Choose from free rewards checking by Kasasa® or free basic checking.

There's no charge to transfer a closed-end loan (such as an auto loan)! Costs to transfer a mortgage loan will vary; contact your nearest Service 1 FCU branch for details.

Yes! If you're on the move, we'll help you pack, with competitive home financing rates and the personalized service you've come to expect at Service 1 FCU. Make your move today when you contact your nearest Service 1 FCU branch or a mortgage loan officer directly:

MICHIGAN

Michael Vanderwall
NMLS ID# 134002
Phone: 616-299-8919
Fax: 616-464-2547
Michael.Vanderwall@AmeriCU.com

MISSOURI

Cale Ritter
NMLS ID# 431649
Phone: 918-541-8450
Fax: 417-250-2243
critter@americu.com

ALABAMA

Jessica Sawyer-Busch
NMLS ID# 392868
Loan Originator
Phone: 248-247-1894
Fax: 248-509-5933
jbusch@americu.com

Offered through a partnership with AmeriCU Mortgage Company

We review all loan applications and take many factors for each unique situation into consideration. Find out how we can help you!

Low rates and high rewards? Score! Apply for our ScoreCard Rewards® credit card with a low, fixed rate of 9.9% APR, no annual fee, no balance transfer fees, a true 25-day grace period and REWARDS like point-of-sale discounts, free merchandise, gift cards, travel discounts, online play, and more! Earn points with every purchase...plus BONUS POINTS when you activate special offers, helping you get the rewards you want faster!

Members can perform basic and select advanced transaction FREE at Service 1 FCU ATMs/ITMs. Transactions are valid at ATMs/ITMs owned by Service 1 FCU as well as those in the Co-Op Network. Other ATMs/ITMs outside of this network may assess a fee.

Check out the many benefits of our new ITMs (interactive teller machines), offering enhanced ATM features in select branch drive-thru lanes, when you click here.

Yes, we offer FREE Online Bill Pay—just log into It'sMe247 Online Banking to get started! Once you're enrolled, setting up reminders and recurring payments is simple, so you'll never make a late payment again. Use the Service 1 FCU mobile app to pay on-the-go, too! 

Quickly and easily make your payment from your computer, tablet or smartphone—there are many convenient options—and get back to enjoying life! Transfer from your Service 1 FCU account in It'sMe247 Online Banking (desktop, mobile web or mobile app), set up a payment from another financial institution, or pay using a card or bank routing number. Online loan or credit card payments can be made with a credit card or non-Service 1 FCU account and are assessed a convenience fee.

Visit our Loan Payments page for free and low-cost loan payment options!

New members and first-time It'sMe247 Online Banking users can enroll in online banking using a desktop computer or via the mobile app. Click on the blue "Login" button in the upper right corner of the website, then select "First Time User" in the pop-up box. Follow the prompts to enter your information; the process is similar in the mobile app, which is available in the App Store for iOS and the Google Play store for Android.

You're on your way to enjoying all of the conveniences of banking online, including transferring funds, setting up account alerts, FREE online bill pay and more!

Reach out to our Contact Center at (800) 879.9697 to reset your PIN securely. It's our pleasure to assist you!

Some automatic deposits may be available EARLY when you choose the "Post Now" feature in It'sMe247 Online Banking!* Types of deposits include direct-deposit paychecks, tax refund checks, and more.

Your funds will be accessible on demand, before they're scheduled to be deposited into your account, so you can bridge the financial gap and avoid an overdrawn account or NSF fees, late payments, service shutoffs and more. Get details when you log in using your computer, smartphone or tablet—or call a Member Service Representative at (800) 879.9697.

*Early pay feature assessed a convenience fee (must be available in your Service 1 FCU account)

Change your address online with just a few taps or clicks in It’sMe247 Online Banking, or by visiting any Service 1 FCU location. 

Your funds are safe and secure, backed by the complete confidence of the National Credit Union Administration (NCUA), an independent United States government agency dedicated to protecting credit unions and our members.

All deposits are federally insured by the NCUA up to $250,000. Download the NCUA brochure explaining federal deposit insurance or learn more at Visit www.NCUA.gov.

Non-members can make deposits into your account but not withdrawals. For security reasons, those not listed on your account are not permitted to access account balance information. 

No—take your account with you and keep enjoying your many member benefits wherever you call home! Access your money via It’sMe247 Online Banking, with our mobile app, and at our Shared Branch locations. Visit the Shared Branching website to find one near you.

Credit unions are not-for-profit financial cooperatives owned by members and governed by a board of directors elected by, and from among, those members. Usually there is a common bond among the members, such as belonging to the same organization or living in the same geographical area. Credit unions accept deposits from their members and use them to make short-term loans. Deposits are regarded as purchases of shares, and earnings of the credit union are paid out to members in the form of lower interest rates on loans, higher savings rates and dividends.

Banks are community, regional or national for-profit business corporations owned by private investors and governed by a board of directors chosen by the stockholders.

At Service 1 Federal Credit Union you're a member, not merely a customer. Everyone who belongs to Service 1 FCU is an owner and is known as a member.

Ownership has many benefits, including, but not limited to:

• online banking with free bill pay and A2A transfers
• on-the-go banking with convenient mobile app featuring mobile check deposit
• competitive financing rates on auto, home and personal loans
• mortgage and home equity loans
• savings dividends, retirement accounts, and money management services
• competitive share certificate (CD) rates
• checking rewards (high-interest dividends or cash back, with refunded ATM fees when monthly qualifications are met with a FREE Kasasa checking account)
• low-rate credit cards with rewards
• youth savings and checking accounts with debit card privileges (teens), special share certificate rates, and birthday month surprises
• annual youth scholarship program
• shared branching with free nationwide ATM network
• complimentary financial guidance with certified financial counselors
• identity theft monitoring with Kasasa Protect
• ...and so much more, not to mention top-notch, personalized member service!

Service 1 Federal Credit Union is a federally chartered credit union that is insured and regulated by the federal government. All credit unions have membership eligibility requirements. Once you join, membership at Service 1 Federal Credit Union can last a lifetime. Make the switch today!

Service 1 Federal Credit Union’s field of membership consists of nearly 600 companies and community organizations in Michigan, Missouri, and Alabama. We work closely with these organizations to ensure that employees receive the best financial experience possible. Any employee of a company that's affiliated with Service 1 Federal Credit Union is eligible to become a member simply by depositing $5.00 into a Share Account. Residents of Stone and Barry Counties in Missouri— as well as those in a select geographic area between Shell Knob, MO and Neosho, MO—are also eligible.

Immediate family such as a spouse, child, sibling, parent, grandparent, or grandchild of a member are also eligible for membership. For more information on individual or corporate membership eligibility contact Service 1 Federal Credit Union at (800) 879.9697. 

Direct Deposit can be set up with your payroll provider. Provide the Service 1 FCU routing number (272483264) and your Service 1 FCU account number to start receiving your payroll deposits electronically! 

You can set up ACH Transfers through It’sMe247 Online Banking or with a Member Service Representative at any Service 1 FCU location.

Yes, this can be done through free Online Bill Pay or our A2A transfer service. Ask your Member Service Representative to help you get started today!

Yes, you can use our A2A service to transfer funds to your Service 1 FCU account. Call, click or stop in today for complete details and to get set up.

Federal regulations require completion of a wire transfer form for all money wires. Visit your nearest Service 1 FCU branch during regular business hours to initiate your wire transfer. Current outgoing domestic wire transfers are assessed a $25.00 transaction fee.

Service 1 FCU branches observe most federal U.S. holidays. Learn more when you view our holiday closings. Be sure to follow us on social media (@service1fcu) for up-to-the-minute information about modified branch hours and/or service adjustments.

Get 24/7/365 access to your accounts in It'sMe247 Online Banking AND branch ATM/ITM lanes—now with advanced technology at select locations!* Learn more about ITMs with video teller service on our ITMs page.

*Services vary by location

An appointment is not required to connect with a loan officer. However, we do encourage you to schedule time to ensure you are served in a timely manner with individualized attention—we know your time is valuable. Call our Contact Center at (800) 879.9697 to get started today!

Hours of operation vary by branch and can be found on our Locations & Hours page. We look forward to your visit in a branch lobby or via drive-thru lanes!

Get 24/7/365 access to your accounts in It'sMe247 Online Banking AND branch ATM/ITM lanes—now with advanced technology at select locations!* Learn more about ITMs with video teller service on our ITMs page.

*Services vary by location

Our easy-to-navigate website is updated regularly to ensure your security and to share special rates, promotions, events and new services. We’ve added convenient financial calculators, ADA accessibility, link to Spanish-language conversion site, and areas where you can request more information, include new webchat. Ask us anything!

Check out the many benefits of our new ITMs (interactive teller machines), offering enhanced ATM features in select branch drive-thru lanes, when you click here.

Coming soon: online account opening

If you deposit funds into your account at a Service 1 FCU location, yes, the money is available in your account immediately. If you're depositing a check, the funds may be placed on a temporary hold for verification and security purposes. For questions about availability of funds, please reach out to our Contact Center at (800) 879.9697.

Our Lakes Mall Branch in Muskegon (MI) offers the convenience of turning loose change into cash via a coin counter! Service 1 Federal Credit Union members are assessed a nominal 5% fee (of total deposit) when using the coin machine—significantly less than other retail coin changing services.

Service 1 FCU offers scheduled “Coin Machine Giveback” events: special promotional periods that waive fees for members. Check your email and the teller services page on this site periodically for information about giveback events, plus, like our Facebook page for advance notice of events—and more!

Non-members are invited to use the coin machine for a 10% fee (of total deposit).

Yes! We offer notary service. Please check your local branch for availability.

Most services are offered as no-cost benefits to membership in the Service 1 FCU family. Select services do incur a fee to cover the cost of providing the service; access the schedule here. If you have any questions about a service or associated fee, please contact a Member Service Representative at (800) 879.9697 and we'll be glad to help!

Our routing number is 272483264

Check out these helpful videos for more information about conveniently managing your online account:

Mobile App Walkthrough

Online Banking Walkthrough

Mobile Check Deposit

Mobile App Face Authentication Setup

Mobile App PIN (personal identification number) Setup