2. How do I report a lost or stolen Visa Credit Card?
Members may either call the Credit Union or Visa @ 1-800-237-6211

3. How do I report a lost or stolen Advantage Debit Card?
Members may either call the Credit Union or Advantage @ 1-800-236-2442

4. What is a credit union?
A credit union is a not-for-profit financial cooperative owned by its members. 

5. What makes credit unions different?
Credit Unions offer many of the same products and services that other types of financial institutions do.  However, most types of financial institutions answer to stockholders who are seeking a profit, a profit that accountholders pay in the form of fees and charges.  Because a credit union has no stockholders, value is returned to its members in the form of lower rates on loans, higher dividends on savings and invested into additional products to meet the changing needs of its membership.

Over time, credit unions have helped their members through economic depression, recession, and inflation.  Today, there are over 72 million credit union members in the U.S. and approximately 108 million members worldwide.

6. Are my accounts insured?
At Bell Federal Credit Union your savings are federally insured up to at least $250,000 by NCUA. 

7. What are your office hours?
Lobby hours:
Monday—Thursday: 9:00 a.m.—4:30 p.m.
Friday: 9:00 a.m. — 5:30 p.m.

Drive-thru hours:
Monday—Wednesday: 7:30 a.m. —5:30 p.m.
Thursday — Friday: 7:30 a.m. — 6:30 p.m.

8. How do I change my address?
Members must submit an address change in writing to the Credit Union. Contact the Credit Union for the correct form to sign.

9. What is Bell FCU e*teller?
Bell FCU e*teller is the online account access service that you have been waiting for.

10. What are the features and benefits of e*teller?

• 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/share draft and/or loan account history for the last two years or download to a Quicken file.
• Tax Information
  • View IRA contributions/withdrawals and dividend/interest information.

11. Do I have to purchase special software from Bell FCU to use e*teller?
No. e*teller has been designed to work with Internet browsers, such as Microsoft Internet Explorer version 4 or higher or Netscape Navigator 4 or above.

12. Is there a fee to use e*teller?
No, This service is free to our members.

13. Can anyone else see my account information?
Bell FCU e*teller access requires a correct account number and password. Unless you share your password with someone else, no one other than you will be able to access your account information through e*teller.

14. What if I forget my password?
To prevent intruders, you are only allowed to improperly enter your password a few times before your e*teller account is locked. For security reasons, your account will not reset after a certain amount of time. You will need to call, or come into our main office and provide us with required information for us to reset your password.

15. My password doesn't work anymore, what happened?
The most common problem is that you may have your CAPS LOCK key on, which will make the password you entered incorrect even though you enter the correct keys. e*teller passwords are case sensitive and a password of sioux21 is not the same as SIOUX21 or SioUX21. You may have entered too many incorrect passwords and need to have your account reset. Please contact the Credit Union for information on resetting your account. Another possibility is you may have bookmarked the Account Login Page rather than the actual homepage. For security reasons, you will never be able to Login if you have bookmarked the Login page.

16. If I forget to exit, will I be logged off e*teller automatically?
Yes, after 10 minutes.

17. How current is the information I obtain through e*teller?
The information available to you through e*teller is the exact information stored in our computer system at the time you Login. Any transactions you initiate through e*teller will be posted immediately on the Credit Union's computer system.

18. I tried, but I can't access e*teller. Why?
The system may be unavailable for routine maintenance. Our entire computer system goes through a verify update at 10:00 p.m. Monday - Friday and also on the last day of the month. This process is usually completed by 10:30 p.m. If you can't access e*teller after repeated attempts at different times of the day, report the problem to the Credit Union. The Credit Union does NOT provide Internet (ISP) or software (browser) support.

If you have questions not addressed here, please call us at 605-338-2533.

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