PRE-AUTHORIZED PAYMENTS/ACH
We can accept pre-authorized payment orders initiated by creditors such as insurance companies, mortgage lenders and other financial institutions. Simply contact your creditor and ask if they originate pre-authorized payments. Also ask if they transmit via ACH (electronically) or by paper draft. Call us and we'll give you the information you need to complete their pre-authorization agreement.
AUTOMATED DEBITS
Automated Debits are an optional service for Credit Union members who prefer their accounts to be automatically debited for recurring payments such as insurance premiums, mortgage payments, dues and contributions. These debits are charged to the member's Credit Union share draft account. The member benefits by eliminating writing and mailing the monthly bill. The automated debit is initiated by the company, business or organization, which will be receiving the payment. The debiting company will require you to send a signed authorization form and a voided check. The company will provide the Credit Union a copy of the signed authorization. Be aware of who the debiting agency is, such as mortgage company, local utility company, life insurance company and so on. These are companies that you would more than likely use for a longer period of time. Please be cautious when giving your account number to users of the drafting method, this type of payment should not be used when making purchases and should never be selected for telemarketing sales.
DIRECT DEPOSIT
Payday is finally here, but you're scheduled to be in meetings all day. Who will deposit your paycheck? Use Direct Deposit to deposit payroll, Social Security, and retirement checks automatically and on time- every time! You'll never worry about standing in line on payday again. From your deposit, you may also authorize the Credit Union to transfer loan payments on any of your Credit Union loans, or transfer into any account you choose. You may also set up pre-authorized drafts from your checking account for recurring insurance or mortgage payments.
*Direct Deposit is not available through all employers.
24 HOUR e*TELLER
Bell FCU e*Teller is the online account access service that you have been waiting for.
- Account Balances: Obtain current balances on all shares and loans, excluding Bell FCU Visa Credit Card balances.
- Account Transfers: Transfer from share to share, share to loan, loan to share or loan to loan.
- Account Withdrawal: Have a withdrawal check mailed to your address of record.
- Loan Payment: Make loan payments to or from any account.
- Loan Advance: Advance your ready reserve loan and transfer to any share or other loan account.
- Account History: View share and/or loan account history for the last two years.
- Tax Information: View IRA contributions/withdrawals and dividend/interest information.
KIOSK
Drop off a deposit or get some quick cash at our kiosk located in the Sioux Falls Qwest Building entrance.
PAYROLL DEDUCTION
At Bell FCU we make it easy for you to save through payroll deduction. You decide how much you want deducted from your paycheck and we'll take care of the rest. Loan payments may be made through payroll deduction, too, which means that your loan payment will always be on time. Bell FCU encourages systematic savings. Direct Deposit and Payroll Deduction offer a painless and worry-free way to financial security.
*Payroll Deduction is not available through all employers.
ADVANTAGE ATM CARD
Our members enjoy 24-hour access to their accounts with our VISA ADVANTAGE ATM Card. You can make deposits (within South Dakota) and withdrawals worldwide through a network of ATM machines. Our ATM service allows you to conduct your financial transactions on your schedule and at your convenience.
VISA ADVANTAGE ATM & CHECK CARDS
For point of sale, or ATM use, access your checking/and or savings account with one card. Convenient and easy to use, this card gives you the flexibility that a paper check doesn't. And now, thanks to Visa's new Zero Liability Policy*, using your Visa Check Card is not only the most convenient way to shop, it's also the safest way to shop. Your liability for unauthorized transactions is $0 - you lose nothing. You're fully protected from unauthorized use of your card or account information. Visa Check Cards are accepted at up to 16 million locations worldwide. That means greater convenience with no risk. *U.S.-issued cards only. Visa's Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa.
24-HOUR TOUCH TONE TELLER
Your Sioux Falls Bell Federal Credit Union is as close as your telephone. Access your account 24-hours a day, 365 days a year. You need a PIN (personal identification number), and the rest is easy! Out of town members dial 1-800-370-9555 ext. 19 Local members dial 338-3600.
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