EnerGComm Frequently Asked Questions
 
EnerGComm FAQ's
    
  • Question 1: Who owns the Credit Union?
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  • Question 2: Can the EnerGComm Instant Cash Card be used in other locations?
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  • Question 3: Can I retain my membership even if I leave or retire from a member company?
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  • Question 4: How can I access my account online?
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  • Question 5: Does a student and/or senior get charged the monthly $2.50 fee for a share draft (checking) account?
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  • Question 6: If I have questions about my CUNA insurance, do I call the credit union?
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  • Question 7: When there is a free pay period, are payroll deductions taken out?
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  • Question 8: What dollar amount of my funds is insured by the Feds?
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  • Question 9: When can I collect the shares from my Christmas Club account?
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  • Question 10: How can I avoid overdraft charges?
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EnerGComm FAQ's
    
   Frequently Asked Questions
    
   FAQ
    
   Question 1:  Who owns the Credit Union?
   The Credit Union is owned by its members and has an elected board of directors. It is not owned by any utility or communications company.
    
   Question 2:  Can the EnerGComm Instant Cash Card be used in other locations?
   The Instant Cash Card can be used anywhere that you see the CIRRUS or Instant Cash logo. In other words, at thousands of locations throughout the USA and abroad.
    
   Question 3:  Can I retain my membership even if I leave or retire from a member company?
   Yes, Once A Member, Always A Member. In other words, regardless of any other change in your life you can always be a member and receive the benefits associated membership.
    
   Question 4:  How can I access my account online?
   If you click on the CU@Home sign up icon on our website, there is a form that you can print out. Fill out that form and send it to our office. In return we will send you a PIN number and the directions to access your account. We also have these enrollment forms in our office.
    
   Question 5:  Does a student and/or senior get charged the monthly $2.50 fee for a share draft (checking) account?
   NO. The monthly fee for a share draft account is waived for students and seniors (62) with proper identification.
    
   Question 6:  If I have questions about my CUNA insurance, do I call the credit union?
   NO. The premium that is taken out of your account quarterly is directly deducted from CUNA, not the credit union. If you have any questions about your insurance call CUNA at 1-800-779-5433.
    
   Question 7:  When there is a free pay period, are payroll deductions taken out?
   NO. When you have a free pay period, there are no deductions taken from it. Therefore, if you have a loan, the daily interest will still accrue until your following regular pay period.
    
   Question 8:  What dollar amount of my funds is insured by the Feds?
   Account numbers in your name are insured up to $100,000.00. This means if you have a share (savings) share draft (checking) and special share (savings) that are under the same account number, all of them combined are insured up to $100,000.00. Anything over that amount would not be insured. (IRA’s are separately insured up to $250,000.00)
    
   Question 9:  When can I collect the shares from my Christmas Club account?
   Annually on the morning of October 31st (or the last working day of October), the funds and dividend earned transfer into your regular share account.
    
   Question 10:  How can I avoid overdraft charges?
   All of the drafts are run at 7:00 a.m. each day. You can use our 24-hour Telephone Teller (1-800-879-8349) to transfer funds; you can transfer online from our website (www.energcomm.org) through CU@Home our online financial service, or use our night deposit drop at the credit union. All deposits and transfers must be made before 7:00 a.m. to avoid overdraft charges.
    
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