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FAQs

Are savings deposits insured?
Yes. All savings accounts are insured up to at least $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
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What is a credit union and who owns it?
A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled by a Board of Directors elected by the membership. Each credit union member owns one "share" of the organization which entitles them to one vote on important issues, such as the election of member representatives to serve on the Board of Directors. The Board establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow money at reasonable rates at an institution which exists to benefit them, not to solely make a profit.
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What is the purpose of a credit union?
The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are not-for-profit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.

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Who can join Fort Bragg Federal Credit Union?
Our field of membership is open to active duty military, retired military, AUSA members, persons who regularly work on Fort Bragg and persons who live, work, worship or attend school in the greater Cumberland County area (some restrictions apply.) Dependents and immediate family members are also eligible for membership.
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What is your ABA number or routing number?
253175737
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Is it true that the U.S. Treasury Department is phasing out paper check payments and requiring federal benefit recipients to get their money electronically?
Yes, it is true. You must switch to electronic payments by March 1, 2013. Please contact our office and we will be glad to assist you with the switch or you can visit GoDirect.org.
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How do I use my debit card?
Your debit card is actually two cards in one. It works as an ATM card and can be used at any ATM or POS (point of sale) by using your personal identification number (PIN). It also works like a Visa card and can be used anywhere Visa debit cards are accepted. It is processed exactly like a Visa transaction except the money comes directly out of your checking account. The difference: For a VISA transaction, you will have to sign for authorization. For a POS transaction, you will be asked to enter your PIN.
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How do I report a lost VISA debit or VISA credit card that was issued by Fort Bragg Federal Credit Union?
During our business hours, call us at 910-864-2232 or 1-800-793-2328 to report a lost VISA debit or VISA credit card. After business hours, for Visa Credit Cards call 1-800-472-3272. For Visa Debit Cards or ATM cards, please call 1-800-472-3272. You may also contact any VISA merchant to report the card lost or stolen.
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How do I activate my new Fort Bragg Federal Credit Union VISA debit card or VISA credit card?
To activate your Visa debit card, you must call 1-866-333-9337 from your home phone if you are in the U.S. within 2 months of receiving your card. If it has been longer than 2 months since you received your VISA debit or VISA credit card, contact FBFCU during business hours to find out how to activate your card.
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Am I liable for any fraudulent charges to my VISA debit card or VISA credit card if it is lost or stolen?
If your VISA card is lost or stolen report it immediately, during business hours to 910-864-2232, after business hours, for Visa Credit Cards call 800-472-3272, for ATM or Visa Debit Cards, call 800-472-3272 or report it to any VISA merchant. Report any unauthorized VISA transactions to us in writing within 60 days after we sent you the first bill on which the error or problem appeared. Zero liability limit will apply provided you are not grossly negligent or fraudulent in handling your VISA card.
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Can I use my VISA debit card (check card) overseas?
Yes. Your FBFCU VISA check card can be used anywhere VISA check cards are accepted. Be sure that you convert your VISA transactions from foreign currency to U.S. dollars before making the entry into your checkbook. However, due to an increasing amount of fraud and identity theft in several locations, FBFCU, along with several other financial institutions, does not authorize any transactions that take place in the following countries: St. Lucia, South Africa, Angola, Colombia, Taiwan (Province of China), Georgia, Bangladesh, Jordan, Bermuda, Turkey, New Zealand, France, Ghana, India, Nicaragua, Cyprus, Hong Kong, China, Nigeria, Romania, Malaysia, Russian Federation, Cameroon and Portugal. In addition, no e-commerce (internet) transactions are permitted in Switzerland, Bangladesh, Spain, Qatar, Mauritius, Australia, Mexico, Ukraine, Azerbaijan, Latvia, Russian Federation, Albania, Antigua and Barbuda, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic,Denmark, Dominican Republic, Egypt, Estonia, Georgia, Guyana, Honduras, Iceland, Indonesia, Israel, Kazakhstan, Kyrgyzstan, Lebanon, Lithuania, Luxembourg, Macedonia, Malawi, Malta, Mauritania, Republic of Moldova, Netherlands,Peru, Rwanda, St. Kitts, Nepal, Nevis, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Tajikistan, Thailand, Turkmenistan and Uzbekistan. This list may be updated from time to time. Please refer to it prior to traveling. Thank you.
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Which ATMs can I use without paying a surcharge?
You will not incur any fees if you use an ATM machine that is owned and operated by Fort Bragg Federal Credit Union. FBFCU currently has over 30 Iron Mike ATM locations on Fort Bragg and in Fayetteville for your convenience. *New* - Free access to State Employees' Credit Union ATM's (Cash Points) throughout North Carolina. Use your Fort Bragg FCU ATM or Debit Card without incurring a surcharge at any CashPoints ATM.
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How do I get a new PIN for my ATM card?
Go to the "Online Services" link on our website then "Applications & Forms". Click "Iron Mike ATM & Tel-Info." Print application, fill it out (make sure you mark the ATM card box on the top of the application), and fax to 910-487-8204 or mail it to PO Box 70240, Fort Bragg, NC 28307. Once we receive the application, a new ATM card will be mailed to the current address that FBFCU has listed on file. You may also visit any branch.
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Can I download my checking and savings account information to a money management program?
Yes. Through PC Finance, our online banking system, you can download account information to your pc for importing into Quicken or MS Money.

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How can I contact Fort Bragg Federal Credit Union?
You may contact our Call Center via telephone at 910-864-2232 or 1-800-793-2328 or by fax at 910-487-8204 during business hours. You may also contact us by clicking "Contact Us" on our website to send a secure email.
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What is Overdraft Privilege (ODP)?
Overdraft Privilege is a discretionary non-contractual service provided to our members. It is designed to help guard members against having their checks returned by the Credit Union. Members must opt-in for this service. There are fees associated with this service.
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What are the fees associated with ODP?
Members are charged the normal overdraft fee of $28 in addition to the amount of the non-sufficient funds (NSF) item. If the NSF item plus the overdraft fee is over the $600 limit, the item will be returned and the NSF fee will still be charged.
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Is applying for a loan through your website safe?
Yes. The Internet Account Access system utilizes the latest encryption and authentication technology to further protect your privacy. Also, we use SSL 3.0 security protocol that is the most up-to-date protocol for Explorer 6.0 and Explorer 7.0.
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What is Verified by VISA and how can I sign up?
Verified by VISA is the latest security feature presented by Visa USA to protect against unauthorized online purchasing. To sign up, just click on the Verified by VISA logo located on our Credit Card page under Loans.
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How do I use Verified by VISA?
Each time you make an online purchase with your VISA card at participating merchants' websites, you will be asked to enter your personal password to verify usage of your VISA card.
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How do I enroll for the Bill Payment service?
You can immediately link to our Bill Payment Service after you log in to PC Finance (home banking).
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How do I reset my PC finance password if I no longer remember it?
Go to the PC Finance log in page. Click on "Forgot password". Then enter your account number. Next, answer the questions to confirm your identity. Now enter a new password and reenter the password then confirm. Now you are ready to log in.
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Is PC Finance secure?
Yes. The privacy between you and our server is secure using Secure Sockets Layer (SSL) Encryption. Your browser uses random numbers called keys that are only known by the server and your browser. Once keys are established, your browser will use numbers to scramble, or encrypt, the messages you send. To make sure your browser is in secure mode, look for the secured lock symbol that is located at the bottom of your browser window.
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How do I change my address?
Go to the PC Finance log in page. Enter your account number and password. Now click on the "Change Address" button. Your address will be updated within 24 hours.
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How do I close my account(s)?
Please send FBFCU a letter with your request and signature by mail, fax, or email. You will need to include the account number(s) of the account(s) that you wish to close. A signature is required to close an account. If you would like to send your request by email, click on the "Contact Us" link on our website, then click the "Secure Feedback Form" button and then provide the necessary information for account closure. However, a signature must be included in the email.
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Why should I get my car loan at a credit union?
Nationally, credit unions are among the most competitive vehicle lenders. We are not-for-profit, so we can focus more on member service by offering lower rates on loans.
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What is the Purchase Rewards program?
This rewards program lets you earn rewards by using your FBFCU's debit card to purchase merchandise and services. The program is available to all debit Cardholders ("Cardholders"). Through this program, you'll receive targeted offers to receive rewards on purchases based on how you shop. As a Cardholder, there is no limit to the rewards you can earn. So, the more you use your FBFCU's debit card, the more offers you can receive and the more rewards you can earn!
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Where do I go to see Purchase Rewards offers?
You can find offers on the PC Finance home page after successfully logging in beneath transactions in the transaction history or in the "rewards" section in the upper right part of the page. Offers can also be found on the account history page or the rewards summary page. New offers will be labeled as "New Offers" until you click to activate them. Once clicked, the reward is "loaded onto" the associated debit card. All offers can be viewed by visiting the rewards summary page.
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How do I redeem Purchase Rewards offers?
Each offer is based on how you currently shop, so the offers that you receive are relevant! To redeem the offer, simply click on it to see the details; this automatically loads the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward. Each offer has different details regarding when and where to shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read the details to determine how to redeem each offer and start earning rewards.
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When do I receive the Purchase Rewards for the offers I redeem?
Your rewards will typically be deposited to your account the month after you redeem the offer. Since we do not share your personal information with retailers, we cannot credit your account immediately at the time of purchase. For example, any rewards you redeem in the month of September typically will be credited to your account at the end of October. If you would like to see the offers you have redeemed or the total value of the offers you have redeemed, please visit the rewards summary page.
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How long do I have to take advantage of a Purchase Rewards offer?
Each offer has an offer period that was set by the merchant. You must redeem offers before the expiration date. The expiration date can be found in the offer details section of the offer by clicking on the offer.
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Why do I not have any Purchase Rewards offers?
Offers are based on how you currently shop to ensure the offers you receive are relevant. If you seldom use your debit card, you may not receive any offers until you begin using your card more. The more you use your FBFCUs debit card, the more chances you will have to receive relevant offers!

You may not be receiving any offers because you accidentally opted out of the program. If you cannot access the rewards summary page or don't see the "rewards" section in the upper right part of the new home page, you are not enrolled in the rewards program. Please call us to be opted back in.

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Is Purchase Rewards free?
Yes, this program is free! There is no cost associated with this program, making it easy for Cardholders to earn rewards. This new rewards program is just another benefit of using your financial institution's debit card.
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