FAQs

Yes! Financial Center members have access to nearly 5,000 shared branches and thousands of surcharge-free ATMs nationwide. A shared branch lets you visit participating credit unions across the country to complete many of the same everyday transactions you would at a Financial Center location. 

Whether you're traveling or simply away from home, you can make deposits, withdrawals, transfers, and loan payments at participating shared branches. Use our ATM and Branch Locator to find the nearest location.

Becoming a member is easy! You may be eligible if you:

• Live or work in one of the Indiana counties we serve
• Work for one of our Select Employer Groups
• Have an immediate family member who is eligible or already a Financial Center member

Membership starts by opening a Starter Savings Account, giving you access to all of our products and services. You can become a member online or at any Financial Center location. Not sure if you're eligible? Contact us!

Protecting your accounts and personal information is one of our highest priorities. We use fraud monitoring, security tools, and account verification measures to help detect suspicious activity and protect your information. We also use multi-factor authentication to help confirm your identity before sensitive account information is shared.

We'll never ask you to provide sensitive information like your password or secure access codes through unsolicited calls, emails, or text messages. If something doesn't seem right, contact us at the phone number listed on our website directly before responding.

Shareholders own banks. Financial Center, a credit union, is owned by our members.

That means we measure our success by yours. Instead of focusing on shareholder profits, we invest in competitive rates, personalized financial coaching, and products that help you build a healthier financial life.

From your first savings account to your next big milestone, you'll have a team that's here to provide direction, answer your questions, and help you make confident financial decisions.

The fastest way to order checks is to go to Digital Banking, select the option to order checks. The teams at any of our locations can also support you, or you can contact us and we'll get them ordered.

Need to place a stop payment on a check? Just stop by one of our local branches or contact us. We will need to verify identity before a stop payment can be issued.

Digital Banking makes it easy to manage your debit card with just a few clicks or taps. You can:

• Lock or unlock your card
• Report a lost or stolen card
• Monitor recent transactions

If your card is lost, stolen, or you notice unauthorized transactions, contact us immediately so we can help protect your account and issue a replacement card if needed.

Once registered in Digital Banking, you can access the Card Management area to:

• Add it to your digital wallet for quicker payments
• Monitor your transactions
• Lock or unlock your card around the clock
• Apply travel notices when you'll be out of town

To activate your new card, call the number on the back of the card or follow the instructions included in the envelope when the card arrives.

If your card is lost, stolen, or damaged, contact us so we can help ensure uninterrupted access to your account.

Opening an account for your child is a great way to start building healthy financial habits early. A parent or legal guardian must open the account with the child and provide the required identification and documentation, including:

• A valid government-issued photo ID
• Your Social Security number or Tax Identification Number
• A $5 minimum deposit to open your child's Starter Savings Account

As your child grows, you'll continue to have access and oversight based on the account type, allowing them to build confidence managing money while you help guide them along the way.

New members can open a Checking Account online or by visiting a Financial Center branch once you establish membership with a Starter Savings Account.

If you're already a member, you can open or switch checking accounts by visiting a location or contacting us to explore your options!

Not sure which account best fits your life? Our financial coaches are always happy to help!

Setting up direct deposit is easy. You'll need your Financial Center routing number (274073876) and your account number, which you can find in Digital Banking. Then:

• Complete your employer's or payer's direct deposit form, or use our direct deposit form
• Provide your Financial Center routing number and account number
• Choose whether you'd like your deposit sent to your Checking or Savings Account

Once your direct deposit is set up, your funds will be deposited into your account automatically. If you're eligible, qualifying direct deposits may even arrive early with our Early Access member benefit.

Our overdraft protection solutions are designed to help when your checking account doesn't have enough available funds to cover a transaction. Depending on the overdraft protection option you choose, funds may be transferred from an eligible linked account or line of credit to help cover the transaction.

Financial Center's routing number is 274073876.

Use this number to identify Financial Center as your credit union when making ACH or wire transfers, or setting up direct deposit.

Your eligible deposits are federally insured by the National Credit Union Administration (NCUA) up to standard insurance limits. Financial Center also provides Excess Share Insurance, giving members up to $500,000 in total eligible deposit coverage for added peace of mind.

Financial Center offers accounts designed to help young savers build healthy financial habits from an early age. Whether they're learning to save, manage spending, or use a debit card responsibly, our Teen Checking Account is the perfect place to start.

Enrolling in Digital Banking only takes a few minutes. Get started on our enrollment page or download the Financial Center mobile app from the Apple App Store or Google Play Store.

Once you've created your username and password, you'll be able to manage your money whenever and wherever it's convenient for you. With our online and mobile banking tools, you can:

• Check balances and transaction history
• Transfer money between accounts
• Deposit checks with Mobile Deposit
• Pay bills and friends
• Turn your cards on and off if they're ever missing
• Set up account alerts and enroll in eStatements

You can make payments from another financial institution by linking your external account in Digital Banking or by using our Make a Payment portal to securely make a payment from any external Checking or Savings Account.

Depending on the payment method, you may be able to schedule one-time or recurring payments for added convenience.

Digital Banking makes it easy to stay connected to your accounts anytime, whether you're using online banking or the mobile app. You can:

• View your statements and enroll in eStatements
• Set up account and security alerts
• Update your contact information
• Monitor balances and recent transactions
• Manage your everyday banking preferences in one place

Everything you need to manage your accounts is available whenever it's convenient for you.

Digital Banking gives you several convenient ways to move money and make payments – all from one secure place. You can quickly:

• Pay everyday or recurring bills with Bill Pay
• Send money to friends and family with Pay a Friend
• Make loan payments
• Transfer funds between your Financial Center accounts or linked accounts at another financial institution

Choose the option that works best for you, whether you're paying a bill, splitting dinner with friends, or moving cash between accounts.

Financial Center offers both incoming and outgoing wire transfers.

To send or receive a wire, you'll need information such as the receiving financial institution, routing number, account number, and recipient details. Additional information may be required for international wires.

Contact us before initiating a wire so we can provide the specific instructions and requirements for your transfer.

If you're having trouble signing in, select Forgot Username or Forgot Password from the Digital Banking login page and follow the prompts to recover your account.

If you're still unable to access Digital Banking, contact us, and we'll help verify your identity and get you back into your account as quickly as possible. 

Moving money in Digital Banking only takes a few clicks or taps.

• Sign in to Digital Banking through online banking or the mobile app
• Select Transfers
• Choose the account you're transferring money from and the account you're transferring money to
• Enter the amount and confirm your transfer

Need help? No problem! You can also transfer funds by visiting a Financial Center location or contacting us for support.

Scammers often create a sense of urgency to trick you into sharing personal or financial information. You can help protect yourself by:

• Never sharing your passwords or verification codes, and updating your passwords regularly
• Being cautious of unexpected emails, text messages, or phone calls
• Verifying requests before sending money or providing personal information
• Monitoring your accounts regularly in Digital Banking.

Awareness is one of your best defenses against fraud. Explore our library of fraud prevention resources to learn about the latest scams, warning signs, and tips to help keep your accounts and personal information safe. If something feels suspicious, trust your instincts and contact us before taking action.

If you notice suspicious activity on your account or receive a suspicious email, text, or phone call claiming to be from Financial Center, contact us immediately.

If your debit or credit card may be compromised, lock your card in Digital Banking, if available, then report it to us as soon as possible. The sooner you let us know, the sooner we can help protect your accounts, investigate the activity, and coach you through the next steps.

Applying for an Auto or Recreational Vehicle Loan is simple. You can apply online or visit a Financial Center location. 

Most applications receive a decision within 1–2 business days. To help us process your application, you'll typically need information about the vehicle you're purchasing, your employment and income, and proof of insurance before your loan is finalized.

Once we receive your application, a Loan Specialist will review your application, answer your questions, and let you know if any additional information is needed to get you on the road soon.

We recommend it. Getting pre-approved before you shop for a vehicle helps you understand how much you can afford, estimate your monthly payment, and shop with confidence. It can also strengthen your negotiating power, whether you're buying from a dealership or a private seller.

Getting started is simple. You can apply online or visit a Financial Center location. 

If you apply online, one of our Loan Specialists will review your application, answer your questions, and let you know if any additional information is needed. Your preapproval is valid for 30 days, giving you time to compare vehicles and find the right one before finalizing your loan.

Managing your Auto or Recreational Vehicle Loan is easy with several convenient payment options. You can:

• Set up recurring payments in Digital Banking
• Make a one-time payment or transfer funds in Digital Banking
• Visit a Financial Center location or shared branch
• Mail a check with your account number to: Financial Center, PO Box 26501, Indianapolis, IN 46226

Need help beyond making a payment? Whether you're interested in paying off your loan early, refinancing, requesting a payoff amount, or have questions about your title, contact us for support.

A Personal Loan provides a one-time, lump sum of funds that you repay through fixed monthly payments over a set term.

Personal Loans can be used for almost anything, including debt consolidation, home improvements, medical expenses, or major purchases. With no collateral required and no application or origination fees, they're a flexible way to borrow when you need it most.

You can manage your Personal Loan through Digital Banking making payments and monitoring your balance.

Once approved, your funds can be added to your Financial Center account or delivered via a check. We offer several convenient payment options. You can:

• Set up recurring payments in Digital Banking
• Make a one-time payment or transfer funds in Digital Banking
• Visit a Financial Center location or shared branch
• Mail a check with your account number to: Financial Center, PO Box 26501, Indianapolis, IN 46226

Need help beyond making a payment? Whether you're interested in paying off your loan early, requesting a payoff amount, or just have questions, contact us for support.