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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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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 to 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 1-800-453-4270. 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 1-800-543-5073 from your home phone if you are in the U.S. within 2 months of receiving your card. If you are outside of the U.S., you can call collect 813-570-4888 from your home phone within 2 months of receiving your new 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 800-453-4270, 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: Turkey, New Zealand, Thailand, France, Australia, Nicaragua, Cyprus, Hong Kong, China, Nigeria, Romania, Malaysia and Mexico.
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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 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 $25 in addition to the amount of the non-sufficient funds (NSF) item. If the NSF item plus the overdraft fee is over the $400 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 the VISA page of our website.
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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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